Web Based Technology

8/4/2019 Web Based Technology

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E-commerce with WWW / Internet

It describes the web based buying andselling through Internet or through a VANthat provides gateways to the Internet.

Web based electronic commerceincludes the following : -

1. Business to business

2. Business to consumer

3. Consumer to consumer


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Web-based E-commerce

Revenue opportunities for Web commerceincludes

1. Technical & consulting services

2. Merchandising products / information

3. Transport services

4. Directory services

5. Content creation

6. Subscriptions


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7. Access services

8. Advertising services

9. Hosting of Web sites

Web publishing is joining newspapers,

magazines, radio, television, direct mail &toll-free services as a marketing channelto reach new customers.


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With the Web infrastructure, business canbe reached to millions of customers on aworld wide basis.

Internet as a useful platform in distributinginformation & in maintaining close ties withcustomers.


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It merges marketing & transactionmechanisms to provide business withincreased abilities to influence purchasing

& facilitate e-commerce.

Web commerce combines the power oftelevision with the browsing capability of

catalogs.

Downloading speeds remain a problem .


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Improved communication amongemployees & between employees &customers.

Internet users

72% - for W W W applications

65% - for e-mail applications36% - non interactive discussions


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31% - download software

21% - participate in interactive

discussions19% - real- time audio or video

Activities related with Web basedcommerce includes :


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1. Market Development

- Assess the opportunities & maketheir own presence visible.

2. Business development

- Find targeted groups of potentialcustomers & partners.

3. Market Intelligence- Develop & validate Web commerce

strategies.


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4. Comarketing Leverage marketing

activities with others, the Commerce Net

5. Education Acquire up-to-date Internet

commerce knowledge for the company

Opportunities.

Characteristics of Internet market

- Millions of consumers, companies &value-added services


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- A global business community withconducive legal & regulatory environment& standard business practices

- Vertical market opportunities in financialservices, health care, manufacturing,retailing & other key vertical markets.

- A common technology platform forsecurity, payment , directories, EDI,collaboration & other essential services.


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On-line Web selling :

Four ways that Web commercecan be undertaken over the Internet.

1. Toll-free or other telephone numbers

Toll-free numbers allow callers toreach businesses or individuals without

being charged for the call. The charge forusing a toll-free number is paid by thecalled party instead of the calling party.


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2. Shopping clubs

Requires new customers to join theclub by submitting their credit card

information via fax & subsequentpurchases are billed to the credit card.

3. Off-line ordering & paying

Customers send cheques to thecompany for the goods they wish topurchase.


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4. On-line credit card entry

An increasing number of web-basedvendors now offer on-line order blanks for

shoppers to enter their credit card number butdo not encrypt the card number.

Virtual malls

- Combination of home PC and the Internetis making on-line services & shopping easier toimplement.


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List of virtual shopping malls are

Apollo advertising http://apollo.co.uk

MarketNet http://mkn.co.uk

MarketPlace.Comhttp://marketplace.com

Advertising advantages

Sponsor can measure how many people seethe information & can interact with them.
http://marketplace.com/http://marketplace.com/


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Home banking & financial services

- reduces fees for on-line banking

Catalog PublishingMany organizations have built

home page that incorporate electronic

catalogs listing products & services thatoffer.


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Interactive ordering

- Many companies allow interactive orderingof their goods by implementing secure credit

card payments over internetHackers can pick off logins & password in 3ways.

1. The Hacker physically taps the communicationline with a protocol analyser.


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2. The Hacker can reprogram the table ofnetwork router to route information to oneof his or her devices for further analysis.

3. The Hacker can actually break into serverby frustrating its host security mechanism& then can read privileged information.


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Customer Service & technical

support

FTP host site :- Gives customers easyaccess to a library of companys s/wprograms, documentation etc.

News groups :- Act as bulletin board systemwhere customers can chat aboutcompanys product.

E-mail To communicate problems or questions to

a companys customer support staff.


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Customer Service & technical

support

Publishing database of technicalinformation in a searchable format byusing tools such as Gopher on the web.

Business Information Research

companies use Internet to find otherbusiness information

Search Engines - used to find sites anddocumentation. Eg :Yahoo


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Direct Marketing

- Direct Marketers use Internet to

disseminate e-mail advertising for their

products and services.

- the only charge associated with Internet

mailing is the monthly fee charged by

access provider


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Direct Marketing

Direct marketers can utilize news groupsand discussion forum which represent theaudience most likely to purchase their

products.


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Approaches to safe electroniccommerce

Overview

Computer security has severalfundamental goals.

1. Privacy

Keep private documents private, usingencryption, passwords & access controlsystems.


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Fundamental goals

2. Integrity

Data & applications should be safefrom modification without the owners

consent.

3. Authentication

Ensure that the people using thecomputer are the authorized users of thatsystem.


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Fundamental goals

4. Availability

The end system (host) & datashould be available when needed by the

authorized user.Secure Transport Protocols.

1. SSL (Secure socket Layer)

developed by Netscapecommunications , is a security protocolthat provides privacy over the Internet.


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SSL uses a 3-part process

1. Information is encrypted to preventunauthorized disclosure.

2. The information is authenticated to make surethat the information is being sent & received bythe correct party.

3. SSL provides message integrity to prevent theinformation from being altered duringinterchanges between the source & sink.


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S-HTTP( Secure Hyper TextTransfer Protocol)

It is a secure extension of HTTPdeveloped by the Commerce Net

SEPP ( Secure Electronic PaymentProtocol)

Major business requirements addressedby SEPP.

1. To enable confidentiality of payment

information


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SEPP

2. To ensure integrity of all payment data

transmitted

3. To provide authentication that a cardholder is the owner of a card account.

4. To provide authentication that a merchant

can accept Master card payments with anacquiring member of financial institution.


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SEPP

SEPP is the electronic equivalent of papercharge slip, signature and submissionprocess.

SEPP takes input from the negotiationprocess ( payment amount, order

description, payment method etc.)


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SEPP

The payment happens via a three waycommunication among the card holder,merchant and acquirer.

SEPP only addresses the paymentprocess.

Privacy of non financial data is not

addressed in the SEPP protocol.


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SEPP

SEPP system is composed of a collection ofelements involved in E-commerce.

1. Card holder An authorized holder of a bankcard supported by an issuer & registered toperform E-commerce.

2. Merchant Merchant of goods, services or e-

products who accepts payment for themelectronically & may provide selling services orelectronic delivery of items for sale.


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SEPP

3. Acquirer Financial institution thatsupports merchants by providing servicefor processing credit card based

transactions.4. Certificate management system An

agent of one or more bank cardassociations that provides for the creation& distribution of electronic certificates formerchants, acquirers & cardholders.


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SEPP

5. Banknet

Represents existing network whichinterfaces acquirers, issuers & the

certification management system.Messages for SEPP compliant processing

of payment transactions.

1. Purchase Order Request2. Authorization Request


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SEPP

3. Authorization Response

4. Purchase Order Inquiry

5. Purchase Order InquiryMessages for on-line customer

1. Initiate

2. Invoice3. Purchase Order Response


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SEPP

Messages for off-line transactions

- Purchase Order Response(acknowledgement without authorization)

SEPP architecture

SEPP buying cardholder is representedby a cardholder workstation, can be basedon a world wide web browser.


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SEPP

Two designs of cardholder workstations.

1.Integrated e-commerce workstationsinclude W W W browsers to supportelectronic payments in an integratedfashion.

2. An independent browser to implement thepayment process


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SEPP

Functions added to W W W browsers to supportelectronic payments include encryption &decryption of payment data, certificate

management & authentication & support forelectronic payment protocols.

To obtain a certificate,

1. The buying cardholders s/w interfaces

with the certificate request server in

the certificate management system CMS)


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SEPP

2. The CMS generates certificates needed toidentify the buying cardholder.

3. The interface to the certificate request server is

based on HTTP interactions. The buying card holders second & primary

interface is with the merchant system.

This interface supports to initiate payment,perform inquiries, receive acknowledgement &status.


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SEPP

The merchant computer system is based on aWeb server that provides a convenient interfacewith the cardholder for the support of electronic

payments. The merchant interfaces with the merchant

registration authority in the acquirer bank.

The merchant needs to support SEPP protocols

for the capture & authorization of e-commercetransactions initiated by the buying cardholder.


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SEPP

The SEPP acquirer consists of traditionalacquirer with the addition of an acquirer gateway& a merchant registration authority.

It is a system that provides e-commerce servicesto the merchants.

The CMS consists of computer systemsproviding certificate authorities to support

reliable certificate granting service tocardholders, merchants & acquirers.


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SEPP

The CMS interfaces through Banknet toissuer banks to obtain authorization forthe generation of certificates for

cardholders.

Web Based Technology

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