商务英语：电子支付

上的信息，

接触式智能卡需要放入智能卡阅读器、

非接触式智能卡有一个线圈天

线和电脑内置芯片，使卡能传输信息，它比接触式智能卡 的信息交换速度要快。

比如非接触式智能卡便于交通费支付方面的交通服务。

安装

在你汽车里某个设备中的 非接触式智能卡能自动缴费。

智能卡会要求用户输入密

码，

从而具有比信用卡更安全的优点。

信息可设计为“只读”和“禁入” ，

也使

用像加密之类的安全措施。

为表 示对安全问题的关注，

卡面上设有图像来识别用

户。

One of the most important features that set an E-commerce Web

site apart from other kinds of Web sites is that an E-commerce site

receives payment information online. Traditionally

，

all payment

transactions involved some form of paper

，

whether a check

，

an invoice ,a

credit card, or cash. Nowadays, the very hot topic people often talk

about is how customers can get the on-line products or services

conveniently and instantly. We can pay all of our monthly salary with a

few clicks of the mouse, purchase products without leaving our desk, and

have our money directly deposited into our bank account.

电子商务网站有别于其他网站特征之一就是电子商务网站接受 在线支付。

传

统支付交易都以纸质形式出现，如支票、发票、信 用卡或现金。如今，人们谈论

的热点话题就是顾客如何能便捷地获得在线商品或服务。< /p>

只需点动鼠标，

我们即

可花整月的工资， 购买商品，将钱直接存人银行账户。

An electronic payment is a payment that is transmitted electronically

either over telephone lines, or between Web sites on the Internet. No

tangible currency such as a bank note or check hands. Any information

required to make the payment

，

such as a credit card number or personal

identification number (PIN ) , exists only in digital form. Payment is a very

important step in the E-commerce procedure

，

electronic payment is

developed for the demand of E-commerce applications. The process of

electronic payment is as follows

：

电子支付就是通过电话或者互联网站进行电子传输的付款方式。

并没 有有形

的货币流通。进行支付所有需要的信息如：信用卡号、个人身份号码，都以数字< /p>

形式

出现。电子商务交易中最为重要的 一步就是支付。支付形式随电子商务的

需求不断发展。电子支付流程如下：

A customer who decides to purchase an item from an on-line

business is transferred to a secure server where he or she enters a credit

card number. The information entered into the secure server is encrypted

using security technologies. The payment information moves to the

on- line transaction server, where the payment is authorized or declined,

depending on whether the credit card number is valid and the customer

has adequate money to cover the purchase. If the credit card information

is valid and funds are available and adequate, the information is

transmitted to the institution or organization that receives payment

owed to the merchant, and a deposit is made to the merchant’s bank

account. The customer is informed that the transaction has been

processed

，

and shipping of the goods has been initiated. If the goods are

shipped electronically, such as a downloadable computer game, then the

entire process could accomplish within one or two minutes from the time

the customer submits the payment to the time that the file appears on

the customer’s hard drive, depending on the size of the file and the

computers download speed.

在线购买商品的顾客在安全的服务 器上输入信用卡号，

该信息使用安全技术

被加密。

支付信息移至在线交易服务器，

信用卡是否有效以及是否有足够的金额

支付产品决定了是否可以进行支付。

如果条件符合，

< br>顾客将被告知交易已经开始，

商品

已经发货。如果商品是通过电子方式发货，如可下载的电脑游戏，那么从

顾客支付到 文件出现在顾客硬件上的整个过程在一两分钟内就可完成，

当然这还

取决于文件的大小和下载速度。

The major methods used to pay for products or services online

include credit card

，

digital cash, electronic wallet, smart card.

在线购买商品或服务的主要手段有 ：

信用卡、

数字现金、

电子钱包、

智能卡。

Ⅰ. Credit card

信用卡

It is very simple to fill out a credit card online and see if you are

eligible for an instant approval credit card. When you apply for an online

credit card you will need to supply information including your full name,

address, social security number, your annual income and your source of

income and other information that is needed to process the credit card

application. After you fill out the online credit card application form and

submit your information. It will be transmitted via a dedicated security

line for processing. If you are approved

，

you will receive your card in the

mail a few days later. Some companies will even send you an E-mail

regarding your instant approval credit card or you can visit their Web site

to check the status of your online credit card application.

在线申请一张即时批核信用卡是一件很容易的事情。

申请时你需要提 供你的

全名、住址、社会保险号码、你的年收人、你的收人来源及其他信息。在你填写< /p>

了在线信用卡申请表单并提交以后，

你的申请信息会通过专用的安 全通道进行传

输并被处理。

如果你的申请被批准的话，