سیستم های پرداخت الکترونیکی: تجزیه و تحلیل و مقایسه انواع

Parties conducting electronic business have usually never seen each other face-to-face, nor do they exchange currency or hard copies of documents hand-to-hand. When payments are to be made over a telecommunications network such as the Internet, accuracy and security become critical. Other factors affecting the choice of alternative systems, such as their applicable environments, their potential for evolution, and their likely acceptance by merchants and consumers, must also be considered. This paper explores the advantages and limitations of several different electronic payment systems: online credit card payment, electronic cash, electronic checks, and small payments. Systematic and detailed comparisons of alternative systems are provided. This analysis is intended to be useful for companies planning to adopt or to improve an electronic payment system.