1. Katarína Koščová Tatiana Krišpinská Marek Demín Martin Valdner 26.11.2007 E-business and E-marketing Electronic payment systems

2. 2 Electronic money Money or scrip which is exchanged only electronically

3. 3 Advantages of electronic money No handling physical cash or cheques No waiting on lines Lower-hassle environment Immediate transfer

4. 4 Disadvantages of electronic money Fraud Failure of technology Possible tracking of individuals Loss of human interaction

5. 5 Consumer resistance Proof of payment Control Security and privacy No time or motivation to make a change

6. 6 Payment cards

7. 7 contain information that can be used for payment purpose 3 forms: credit, debit and charge credit card - purchases up to limit fixed by the card issuer Front side 1. Issuing bank logo 2. EMV chip 3. Hologram 4. Card number 5. Card brand logo 6. Expiry Date 7. Cardholder's name Reverse side 1. Magnetic Stripe 2. Signature Strip 3. Card Security Code typical credit card

8. 8 Payment cards debit card - money comes directly out of the holders checking account. - transfer of funds within 1 to 2 days The "debit" networks -> purchases are made in person and a personal identification number is supplied The "credit" networks -> cards are charged with only a signature, and/or picture ID Online and offline debit transactions - online debit (PIN debit) - offline debit (signature debit)

9. 9 Payment cards charge card - obtaining a very short term (30-45days) loan for a purchase - charges every month - no "min. payment" virtual credit cards designed for online purchases randomly generated card number tied to the buyers actual card number can be used only once known as single-use card number

10. 10 Payment cards a plastic card with an embedded chip 1. Contact card - gold plate - EPROM or EEPROM 2. Contactless (proximity) card - embedded antenna 2 types of smart card readers -> contact and proximity

11. 11 Slovak electronic payment systems TatraPay CardPay ČSOB Platobné tlačidlo UniPlatbaPB platba onlineOTPpay VÚB ePlatbySporoPay 315144105 19181712

12. PayPal.com

13. 13 Moneybookers.com

14. 14 PayPay.com

15. 15 Nochex.com

16. 16 2CHECKOUT.com

17. 17 CCBill.com

18. 18 EPOCH.com

19. 19 checkout.google.com

20. 20 StormPay.com

21. Katarína Koščová Tatiana Krišpinská Marek Demín Martin Valdner 26.11.2007 E-business and E-marketing Thank you for attention!