Components Of Success Of Electronic Commerce
So, the user has a computer, there is a connection to the Internet and desire to make purchase without leaving the house. Certainly, also means of payment are necessary for this purpose. The first steps to creation of modern payment systems in our country are already made. Today the person gathering to make purchase through the Internet has some possibilities on a choice: payment after delivery of reception of purchase and an advance payment with use of plastic cards or an electronic cash.
To pay on a card is possible far not in all shops. At least half of Ukrainian Internet shops carry out delivery of the goods with payment at purchase reception including cash on delivery (with goods payment at reception in post office). The principal cause consists that Internet dealers don’t trust, on the one hand, in honesty of buyers and, on the other hand, in reliability of payment systems.
To swindle at payment carrying out on a plastic card through the Internet it is easier than at payment in usual shop. In the USA nearby 1 % of payments on plastic cards appear roguish. Half of these roguish payments is necessary on the Internet (it thus that the volume of payments through the Internet makes those less than 10 %).
Recently new systems of payments through the Internet with use of a so-called electronic cash are created. With the advent of the Internet and e-mail and also modern systems of cryptography there was possible a creation of an exact electronic equivalent of cash.
Electronic cash possesses the same qualities as their real monetary prototype:
They are split up – can be exchanged for denominations of smaller face value.
They are unique – each electronic denomination has the unique code.
They are protected – denominations have high degree of protection that practically does a fake of a denomination by procedure so labor-consuming that it becomes senseless at rather low face value since the coding of each denomination is unique thanks to system of enciphering with the closed separate keys.
They possess property of anonymity.
Therefore, work with small payments for bank is unprofitable. Obviously, the system most approaches for use in the big Internet shops trading in the real goods.
The other payment presented system in the market of payments is WebMoney (www.webmoney.ru). Such systems are convenient for buyers and, obviously, for offshore sellers. As well as for all, who isn’t so anxious by to be entered in frameworks of the legislation.
Founders of system give the chance to familiarize with its work in a demonstration mode having made virtual (and during advertizing actions – and real) purchases for “toy” money for the site. You can buy for “toy money” even test hourly Internet access and receive discounts for a number of the goods and services. For system full anonymity of accounts and payments is characteristic.
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