EBPP
Short for electronic bill presentment and payment, the process by which companies bill customers and receive payments electronically over the Internet.
There are two types of presentment models:
* direct model: a biller delivers the bill to customers via its own Web site, or via a third-party's site.
* consolidator model: bills from multiple billers are delivered to a single Web site, to be presented in aggregate to the consumer for viewing and payment.
digital wallet
(1) Encryption software that works like a physical wallet during electronic commerce transactions. A wallet can hold a user's payment information, a digital certificate to identify the user, and shipping information to speed transactions. The consumer benefits because his or her information is encrypted against piracy and because some wallets will automatically input shipping information at the merchant's site and will give the consumer the option of paying by digital cash or check. Merchants benefit by receiving protection against fraud.
Most wallets reside on the user's PC, but recent versions, called "thin" wallets, are placed on the credit card issuer's server. Netscape and Microsoft now support wallet technology on their browsers.
(2) Digital Wallet, a registered trademark of Minds@Work, is a self-powered portable hard drive used for storing digital camera images.
A shopping cart is a piece of software that acts as an online store's catalog and ordering process. Typically, a shopping cart is the interface between a company's Web site and its deeper infrastructure, allowing consumers to select merchandise; review what they have selected; make necessary modifications or additions; and purchase the merchandise.
Shopping carts can be sold as independent pieces of software so companies can integrate them into their own unique online solution, or they can be offered as a feature from a service that will create and host a company's e-commerce site. SSL
(pronounced as separate letters) Short for Secure Sockets Layer, a protocol developed by Netscape for transmitting private documents via the Internet. SSL uses a cryptographic system that uses two keys to encrypt data − a public key known to everyone and a private or secret key known only to the recipient of the message. Both Netscape Navigator and Internet Explorer support SSL, and many Web sites use the protocol to obtain confidential user information, such as credit card numbers.By convention, URLs that require an SSL connection start with https: instead of http:.
Another protocol for transmitting data securely over the World Wide Web is Secure HTTP (S-HTTP). Whereas SSL creates a secure connection between a client and a server, over which any amount of data can be sent securely, S-HTTP is designed to transmit individual messages securely. SSL and S-HTTP, therefore, can be seen as complementary rather than competing technologies. Both protocols have been approved by the Internet Engineering Task Force (IETF) as a standard.
Also see SSL: Your Key to E-commerce Security in Webopedia's "Did You Know...?" section. cookie
A message given to a Web browser by a Web server. The browser stores the message in a text file. The message is then sent back to the server each time the browser requests a page from the server.
Also see session cookie and persistent cookie.
The main purpose of cookies is to identify users and possibly prepare customized Web pages for them. When you enter a Web site using cookies, you may be asked to fill out a form providing such information as your name and interests. This information is packaged into a cookie and sent to your Web browser which stores it for later use. The next time you go to the same Web site, your browser will send the cookie to the Web server. The server can use this information to present you with custom Web pages. So, for example, instead of seeing just a generic welcome page you might see a welcome page with your name on it.
The name cookie derives from UNIX objects called magic cookies. These are tokens that are attached to a user or program and change depending on the areas entered by the user or program.
Also see Do Cookies Compromise Security? in the Did You Know . . . ? section of Webopedia. opt-in e-mail
A term that refers to promotional e-mails that have been requested by the individual receiving them. Unlike spam promotional e-mails that get sent out to large lists of recipients without regard to whether or not they want the information, opt-in e-mails are only sent to people who specifically request them.
Opt-in e-mails are targeted and often personalized and carry information about specific topics or promotions that users are interested in learning about. Typical opt-in e-mails contain newsletters, product information or special promotional offers. For example, if a user frequented a Web site that sold books and music online, that user could "opt in" to receive announcements when his favorite author or musician released new material. The promotional e-mail may even present the recipient with a special promotional offer to purchase the product at a discount available only to those on the opt-in list.
Spammers, however, have found a way to use the opt-in feature to their advantage. Spam e-mails often come with opt-in features in fine print or obscured somewhere in the body of the e-mail with text that reads something to the effect of "Failure to respond to this e-mail will automatically opt-in the recipient to future mailings." The strategy of responding to the spam and asking to be removed from future mailings also has critics as some claim that responding to a spam e-mail with a request to be removed from the mailing list signals that the e-mail address is a working address and the address can then be passed on to other spammers.
Also see Getting Rid of Spam in the Did You Know section of Webopedia. Netcheque
Developed at the Information Sciences Institute of the University of Southern California. Registered users may write checks to other registered users through e-mail or other network protocols. When the check is deposited, it authorizes the transfer of funds from the issuer's account to the receiver's account. All information is kept on a netcheque server, which is responsible for keeping accounts for customers, approving payments, and making the necessary changes in client accounts.
Security wise, Netcheque uses Kerberos for signature authentication, and it uses conventional cryptography, not public key cryptography. page impression
The exact number of times a specific Web site has been accessed or viewed by a user. A page impression acts as a counter for Web pages, informing site owners how many times their sites were visited. Page impressions are also referred to as hits. Transaction Authority Markup Language
Shortened as XAML. XAML is a vendor-neutral standard developed jointly by Bowstreet, Hewlett-Packard, IBM, Oracle and Sun that is used to coordinate and process online business transactions. Based on XML, XAML uses a set of XML message formats and interaction models that Web services can use to provide business-level transactions that span multiple parties across the Internet.
XAML distinguishes traditional online transaction processing (OLTP), such as making banking transactions online or purchasing a product from a consumer Web site, from business Web transaction processing (BWTP), which involves Web services from multiple organizations on the Internet and must coordinate the low-level operations of commit, cancel, retry, and compensate (undo or reverse) in order to ensure business-level transaction integrity.
The following example illustrates a business-level transaction involving a set of Web services that would utilize XAML: Consider a lumber company that needs to purchase a large quantity of a chemical it uses to treat its lumber before it is sold. In order for the buyer to purchase the chemical, the company requires additional value-added services provided by third parties, such as shipping with specific delivery terms, government compliance for safe transport, payment financing and casualty insurance. The purchase cannot take place until all these services are coordinated and the buyer is satisfied. XAML will allow the different parties involved to process the transactions over the Web. eBusiness Definition
eBusiness (electronic trouble) is, in its simplest form, the direct
of trouble on the Internet. It is a more generic locution than eCommerce since it refers to not only
buying and selling however as well servicing customers and collaborating with trouble partners.
IBM, in 1997, was one of the first to employ the locution when it launched a campaign built around the
locution. Today, many corporations are rethinking their businesses in terms of the Internet and its
capabilities. Companies are using the Web to acquire parts and supplies from other companies, to
collaborate on sales promotions, and to do joint research. Exploiting the convenience, availability,
and global reach of the Internet, many companies, both large and miniature have already discovered how
to employ the Internet successfully.
If it's age for your trouble to move online or to improve it's existing online infrastructure,
then I invite you to review my employment with ebusiness solutions to see how I can aid you.
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