Electronic commerce - Topic 5: Electronic Payment and Wallet-VNPay

Nội dung text: Electronic commerce - Topic 5: Electronic Payment and Wallet-VNPay

1. ELECTRONIC COMMERCE Lê Tấn Lực_1712101 Trương Đình Lâu_1711912 Phạm Tuấn Khôi_1711822 Phạm Văn Đô_1711035
2. What is E-Payment?
3. Development path - Electronic payment system has been thriving in the past 10 years due to the explosion of online shopping, but the idea of ​​it has been around for a long time. - Looking back on the development of the electronic payment system, we can point out its 5 milestones
4. Development path 2. The beginning of e-payment systems - In 1994 Stanford Federal Credit Union was established – the first financial institution which offered online internet banking services to all of its members. - In the beginning, the main players on the e- payment market were Millicent (founded in 1995), ECash or CyberCoin (both in 1996). - Moreover, in 1994, Amazon is founded (one of the e-commerce pioneers) and Pizza Hut starts accepting online food ordering.
5. Development path 4. Time for game changers - The online and offline payments are interpenetrating and the distinction between these two becomes more and more blurred each year. - A growing number of online buyers is noticeable, so we’re sure enough that smart technologies will be becoming more popular than conventional banking.
6. E-Payment method - Currently, electronic payment services have many different forms, namely, the following 5 forms: ● E-wallet ● Card (Credit Card and Debit Card) ● Smartphone ● E-payment gateway ● Bitcoin
7. E-Payment method 2. Credit Card and Debit Card - These are the two typical and most popular forms of commercial payment in Vietnam today
8. E-Payment method 4. E-payment gateway - This is an intermediary software system connecting the seller, the buyer with the bank to support and perform collection and payment services for customers with credit accounts at the bank.
9. What is E-Wallets?
10. Classify 1. Classification based on where 2. Classification based on where the data is stored: the money is stored: ● A server-side electronic wallet ● The wallet has its own money in the ○ Security breaches can reveal wallet account thousands of user's personal ● The wallet is linked to a bank account information including credit card ● The wallet is linked with a payment numbers - to unrelated parties. card (ATM, domestic card, credit ● A client-side electronic wallet card, debit card). ○ Having to download software for every computer or phone to do transactions is one of the main disadvantages ○ Not flexible
11. 600 billion VND 200 billion VND
12. VNPAY - What is VNPAY? - VNPay Features - VNPAY-Services - VNPAY QR
13. VNPAY Features - Easy Integration - QR Code Payment integration - Flexible, friendly and multi-device compatible interface - Favorable fee policy - Optimal Operation - Value added services
14. VNPAY-Features ● QR Code Payment integration - VNPAY QR
15. VNPAY-Features ● Favorable fee policy ○ No initial integration expenses ○ No monthly maintenance fee ○ Attractive discount under sales ● Optimal Operation ○ Provides smart and easy-to-use tools to support the operation and build the operating system in the spirit of “Your business development is our success”.
16. VNPAY-Services Main Services: - Mobile Banking - Smart E-Wallet - VNPAY QR
17. VNPAYQR - No need to download the app on Play Store or App Store. - You only need mobile banking application that support QR code and VNPAY.
18. VNPAYQR HOW TO USE VNPAY-QR
19. VNPAYQR Benefit when use VNPAY ○ For buyers: ■ Safe, simple and fast payment. ■ Many payment points / channels across the country. ○ For salers: ■ Saving money for those devices such as: POS, ■ Increase your chances of reaching customers. ■ Expand sales channels. ○ For banks: ■ Reducing investment costs for ATMs, POS, ■ Increasing the ability to expand the network of customers using the service
20. VNPAYQR Difference between E-wallet and VNPAY-QR Field to compare E-wallet VNPAY-QR Definition via the e-wallet application via application (Mobile Banking) How to charge deposits money from your bank no need to charge account to your wallet Utility transfer money, purchase, pay transfer money, purchase, pay bills, bills, Transaction limit depending on the authenticity depending on the bank account of the wallet account Transaction fees depending on the wallet type charges for Mobile Banking service of the bank Target Users who regularly transact on who need an intermediary to pay several bank accounts for multiple bank accounts.
21. Reference ● [1] Electronic commerce - 9th edition, by Gary P Schneider ● [2] E-marketing - 7th edition, by Raymond Frost ● [3] Via website ● ● ●