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Electronic Payment Systems Shortened
- 13. Electronic purses Wallet sized smart cards embedded with programmable microchips that stores sums of money for people to use Purse can be loaded with money at an ATM Once depleted the purse can be recharged with more money It can be used to pay the bills Small bills like photocopies, laundry , parking fees etc
- 16. Processing payments using encrypted credit cards Customer Merchant's server Send encrypted credit card number Send information Online credit card processors Customer’s bank Monthly purchase statement verify authorize OK Check for credit card authenticity and sufficient funds
- 19. Online payment process using a third party processor customer merchant Merchant’s server Client browser request Payment server Credit cards visa Charge cards American express Bank accounts Debit cards Private label cards Digicash On-line third party processors with links to multiple payment systems verification authorization