1. Electronic Commerce

2. Several Choices Custom solution Customize an existing cart
Purchase/Licence a cart
License a cart via hosting service
Online “Mall” such as yahoo stores
Online Mall such as freemerchant.com
Insecure transactions (EEK!)
Products with 800 number or contact info

3. Where to get carts download.com Office stores, computer stores
Your hosting service
Books on E-commerce programming
Free script sites
Cart sites

4. Just some of many carts Miva Merchant http://www.miva.com
Shop site, Shopplus
Numerous others

5. Languages
ASP
Perl
PHP
Compiled Languages? Less Often.
ISAPI
C++

6. Players
Customer
Merchant
Merchant Bank
Creditor
Authorizer

7. Players - What they do
Merchant Affiliated with an Authorization Service and Merchant Bank
Merchant Bank The agent that accepts the credit card payments and deposits them to the Merchant’s account.
Creditor Visa, MC, Amex, etc.
Authorizer Approves/Disapproves the Transaction

8. Security
In addition to these players, Verisign or another trusted entity verifies the identity of the merchant.
This may get confusing if your customer does not have their own certificate but relies on their hosting service.

9. Players - Examples
Merchant Bank: numerous others
Authorization Service
Certification Authority

10. Authorization Service
Accepts or denies transaction
Keeps record of transaction
Has screens to verify payments and payment information
Stores the CC#
Interfaces with the client web site to collect the transaction information
May be configured to accept checks or micropayments

11. $$ The Whole Ball O’Wax Certification Auth. Merchant Hosting service
Authorization
Service $$
Merchant Bank
Credit Company