EBusiness Technologies THE CONCEPT AND BUSINESS USAGE OF

E-Business Technologies THE CONCEPT AND BUSINESS USAGE OF PAYPAL Changzhe Yin 2010/12/17

Contents � Introduction � Concept � Process � Business Usage � Conclusion

INTRODUCTION

INTRODUCTION � Global Market �grow so fast �over 100, 000 people sign up �over 100 countries and 24 currencies

INTRODUCTION � Pay. Pal and e. Bay �Over 80% in U. S. �be tightly coupled

DEFINITION � payments and money transfers to be made through the Internet. � faster and safer � acts as a middleman � three leading online payment services: �the Pay. Pal global payment service �the Payflow Gateway �Bill Me Later

DEFINITION � Pay. Pal across the Globe � 24 currencies: U. S. Dollar, Australian Dollar, Canadian Dollar, Hong Kong Dollar, Singapore Dollar, Taiwan New Dollar, New Zealand Dollar, Euro, Swiss Franc, Czech Koruna, Swedish Krona, Danish Krone, Norwegian Krone, Hungarian Forint, Mexican Peso, Philippine Peso, Malaysian Ringgit, Chinese RMB, Israeli New Shekel, Pounds Sterling, Brazilian Real, Polish Zloty, Thai Baht and Japanese Yen

DEFINITION � localized websites in 20 markets: Argentina, Australia, Austria, Belgium, Brazil, Canada, China, France, Germany, Hong Kong, Italy, Japan, Mexico, the Netherlands, Poland, Singapore, Spain, Switzerland, the United Kingdom and the United States

DEFINITION � The Pay. Pal Account �the core of the Pay. Pal system ○ Send Money ○ Request Money ○ Auction Tools ○ Website Payments ○ Money Market ○ Virtual Debit Card ○ Account Insurance ○ E-mail Customer service

DEFINITION � The Pay. Pal Account � freely create � over 120 million Pay. Pal accounts in existence � more accounts than American Express and Discover combined

DEFINITION

DEFINITION � Account Types �Personal �Premier �Business �Sandbox

DEFINITION � Personal Account �The most common type �people who don’t sell a lot of things online �mainly for buying stuff or sending and receiving money between friends and family �it is free to do accept money �provide only your name, address, phone number, and email address. �limits: amount of money you can receive with a Personal account

DEFINITION � Premier Account �to sell things or otherwise accept money �other Pay. Pal account holders can pay you with a credit card �customer service department �Pay. Pal Shopping Cart �gain access to the Pay. Pal application programming interface (API)

DEFINITION � Business Account �all the features of the Premier accoun �the ability to operate under your business’s name �access Pay. Pal’s business reporting tools �Pay. Pal’s Website Payments Pro payment solution

DEFINITION � Sandbox Account �within Pay. Pal’s testing environment �testing purposes �fully functional Pay. Pal account �all the money is fake

PROCESS � Website Payments Standard

PROCESS � Security �"Gausebeck-Levchin" test �only a human can decipher it

PROCESS � Pay. Pal Security Key �Buyer Benefits ○ Makes online shopping even more secure ○ Provides additional account protection ○ Verifies your identity �Seller Benefits ○ Gives you greater control over your e. Bay sales ○ Protects your privacy ○ Ensures that only you receive payment for your items

PROCESS � Notifications You Receive About Payments �You receive email notification when: ○ A successful payment is made. ○ A payment is pending. ○ A payment is canceled.

PROCESS � Postpayment Processing �Auto Return

PROCESS � Payment Data Transfer (PDT)

PROCESS � Instant Payment Notification (IPN)

BUSINESS USAGE � transfer funds electronically � pay for online auctions � purchase goods and services � make donations � send cash to someone.

BUSINESS USAGE � Sending Money �send money to a friend �donate to a charity and �transfer money abroad

BUSINESS USAGE � Sending Money �launched Student Accounts

BUSINESS USAGE � Pay Online

BUSINESS USAGE � Get Paid � wide range of options available � basic payments �provide e-mail address � extensive services �accept credit card payments online

CONCLUSION � Advantage �Safe �Saving time �Sending Money abroad �Saving money � Disadvantage �Freeze your account and hold your money �Take a long time

THANKS!