3.

1 Online Services
Momina
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The Internet Online Transactions Other Services (1)

Online Services Security Issues Other Services (2)

Card Gateway Internet and Web
Problems with Payment browser
online shopping Customers should
Purchasing Goods
be aware
Electronic payment Why is online
Hardware and
shopping popular
software required Protecting Customer
(1) and (2)
Details

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It is useful when we want to find out
information about different types of topics
Used by companies in order to provide
services to internet users.

What type of online

services are there?
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People have the opportunity of paying online
for services that are provided by particular
organisations.
People can shop online (E.g. Kelkoo)
Bank customers can use online banking.

What type of hardware and

software is required?
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Hardware Software
Personal Computer Internet Browser
Modem Word-processing (text-editing
software) may be useful for copying
confirmation of orders and sending
details for future reference.
Broadband type

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What is transaction?
It is a transfer of money.
Some services require online payment:
- Applying online for first provisional driving license
- Applying for tax disc online
- Booking a theory/practical test online
- Ordering learn-to-drive books online

Example: People at in the UK can pay their council tax, parking

fees or car tax online.

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~ This is a service provided by banks
~ Makes it possible for companies and businesses
to accept credit card payments online

~ It is essential for modern businesses and

companies, why?
~ Because business and commerce is increasingly
done globally, so a faster and easier way of
making payments is necessary.
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These are not transaction services. They include:
Finding the location of disabled parking pays
Checking a certificate of roadworthiness record
- This is to see if your car is worthy enough to be on the
road (For example: Can you take a car out if you have one
of the rear lights missing?)
Using an online calculator that can calculate carbon
dioxide emissions and vehicle excise duty (vehicle
tax, car tax and road tax)
Finding a personalised registration plate

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• Customers can arrange for packages to be picked up
and delivered to a destination of their choice (For a
fee)
• Filling in tax returns and making tax payments
• Reserving/renewing library books.

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 IMPORTANT: THERE IS A DIFFERENCE BETWEEN
INTERNET AND WORLDWIDE WEB.
What is the internet?
-’Network of computer networks connected by routers’
-It is much of the hardware involved; such as cabling,
connectors and the computers themselves.

What is the worldwide web?

-It is an aspect of the Internet.
-’it is a collection of hypertext documents in HTML format.’
-’information retrieval system requiring a web browser to
access it.
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What is an online shop?
- It is an e-commerce (electronic commerce)
application allowing business’s to
communicate with each other or to offer
customers services/goods directly.

Why is online shopping popular?

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 Items online are cheaper (warehouse and staff costs are lower)
 Order online and then going to pick up what you order is cheaper;
rather than going to the store and buying it.
 Customers have the ability to compare products and prices as they
please
 Customers are given the opportunity to shop at a time convenient
for them

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 Customers are able to shop at their favourite place; despite the
distance
 Groceries can be remembered by the store and you can have them
delivered to you at a time convenient for you.
 Time can be saved as the customer does not have to spend time by
going to each and every shop
 Customers have a greater variety of shops to choose from
 Customers have a greater variety of manufacturers.

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1. When you buy something from a foreign
country you must keep in mind that there
may be fluctuation in the exchange rate.
– If the rate increases the product may turn out to
be more expensive than it really is
– If the rate decrease the product my turn out to
be more of a bargain.
2. Depending on where the customer receiving
the goods lives; the country may impose a
tax on foreign goods; resulting in the
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1. Deciding on what online shop to use

2. Browsing product categories

3. Using the virtual shopping basket

4. Going to the checkout

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 o Using price comparison services
o This way you can find the cheapest price for a
particular product.

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 • Usually websites have an icon representing
one type of category
• By selecting it; you can browse through those
particular products.

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 • After deciding the product you want; you can
put it in your shopping basket; just as you
would do in reality
• The things that are put in the basket can be
a. Added to
b. Removed
c. Changed
• After they have decided what they are going
to take they move on to check out
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 1. A) If the customer has never used the site before; they will be requested
to register by creating a username and password.
• The customer needs to enter additional data such as:
– Billing address
– Shipping address
– Customer’s phone number
– E-mail address
1. B) Customers who have already been registered to the website can just
enter their username and password
2. The customer then needs to choose a method of payment (debit card or
credit card)
3. The customer then needs to choose how quickly they want the goods to
be delivered and the method of delivery (The longer you wait; the
cheaper the delivery costs)( The delivery charge is then added to the
price of the goods)
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 • A persons personal data and payment details
may be intercepted by a hacker.
• The hacker could then use these details to
defraud the customer and the shop. How?
– The hacker could log on to a shop’s computer
system and can order a large number of products
which can then be delivered to another address
rather than the credit owners’ -- > small part of
Identity Fraud

How can a persons data

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• Data can be encrypted – data is encoded so that if someone
was to intercept the data they will be unable to decipher it.
The data can only be decoded if the receiving network server has
the correct encryption key
Although banks have tried their best to eliminate the access of
hackers, the hackers have developed other ways of acquiring
information:
a. Phishing
b. Pharming
c. Attaching spyware in order to obtain customer data

What should customers be aware of?

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1. In many countries the card company must
refund the customer if their credit card or
debit card has been use frequently
2. They should always keep a copy of the
receipt
3. Their consumer rights also apply online
4. They should only use reputable sites.

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