The secure of online credit card transaction

Reference:http://www.pewinternet.org/pdfs/PIP_Online%20

Recently, my web development lecturer Mr. Andrew has taught a lesson which is about the tools and methods of cybercrime and the safeguard (the solution to solve the risk of cybercrime) which is very useful in my topic, and I get to learn more. I get to know actually online shopping is very dangerous in some way.

<その中でも、クレジットカード決済はその場でお支払いまで済まして、全購入手続きが完了できるというところが便利なところです。後で銀行に振込みに行く手間もありません。>

Reference:

Credit Card and Online Shopping, Decribe the credit card [Online], Retrieved 6th February 2009

URL: http://credit.echoes-act3.com/o/post_64.html

The paragraph above claims that among the payments like bank transfer and credit card payment the consumers will choose credit card payment on the spot. This is convienience to complete the purchase. Moreover, the consumers no need go to bank and transfer the money after they have booked the stuff.

Mostly people are paying by credit card while doing online shopping, which I found is very dangerous. CCV, as know as credit card validation, it available behind of the physical card, it was numbers that state behind the credit card. In reality, the store will normally, verified the card with a Point of Sale terminal to handle credit card transactions, like what you can see when you buy things by using credit card in a store or market. A receipt will be given by the cashier to keep it as a proof of the trade. But in online shopping, it seems natural that online commerce would be done with credit cards rather than other kind of payments. Just simply type our credit card number into the merchant's World Wide Web (www) page payment form and wait for our purchase to be shipped to us. The only thing that needs to pass between the merchant and the buyer is the credit card number. The problem is, it's not that simple and safe. In the open networking, the data show and flow without unencrypted, the mischief-maker may uses the number without the person permission to do some unknown trade and action. Unless there is a security based provision built in that can ease the people`s fear, a secure server is one that uses a protocol such as SSL or S-HTTP to transmit data between the server and browser, which a person have to beware of that before making any payment by using credit card.

Here is a video showing PayPal hacking...

There are a lot of videos like this in the internet. The hackers show how they hack other people accounts and password, teaching people how to hack PayPal money.

The best online shopping website

As the previous topic about background and history of online shopping that written by Pui Fun, based on the article online shopping was began since mid of 1990s, Charles Stack is the founder who implemented and executed this great idea of online shopping and slowly, the trade and sales through the internet practice widely and expanded through globally until, today online shopping market is one of the crucial marketing influences.

To create an online store or business, the way of organizing and maintaining the profile, marketing strategy the management and interactivity is very important. News must be updated from day to days to keep refreshing the reader and buyer about today trend and issue. There are a lot of online shopping website exists in today’s day, for example like, Ebay is one of the largest online shopping sites, it allows the consumer to get quality item in the price they set and still the price is negotiable. It runs successfully and it is a well known website for online shopping. In the other hand, there are still some online shopping website did fail in the industry, it causes by lack of experience, infuse the wrong marketing strategy and so on. There are even some competitions for the best online shopping site for example, each year the Web Marketing Association names the Best Shopping web site as part of the annual Web Award Competition. Best websites are selected by judges who review the entered websites using a few criteria, who are interested can get more info from www.webaward.org.

These are the winners of website who are selected to be the winner of the year. Year

2008 Cooking.com

2007 Rare Bird, Inc.

2006 ShopLocal

2005 Ion Global

2004 Fry, Inc.

2003 AGENCY.COM -on_shop-

References:(http://www.webaward.org/winners_detail.asp?yr=all&award_level=best&category=Shopping)

Interview of Gladys_The Online Seller

In the last articles, I got Stephanie to share her experienced as an online buyer and what she found interesting in online shopping. And today I get Gladys Chan, a college student who commit in her perfume business in Friendster to share her experience and how the little extra income comes from the business.

Sue Chean: I heard you created your own little perfume business in Friendster. What inspired you to start the online business?

Gladys : I see the potential in online shopping. It is a networking, you can even link to the people from oversea, and you can see how far it can go. It develops and expanded widely. As you known I’m a college student who interesting in marketing management. And I find out this is a best way for me to try management in my own little business, and gain some experience without large expenses.

Sue Chean: how do you manage you profile?

Gladys : well, I log in to the profile everyday to check if anyone drops me a message or comment in Friendster. And I update the profile once a while, and introducing the new perfume and sometimes I do promotion as well.

Sue Chean: what do you do to attract the customer?

Gladys : like I said, I do have some scheme sometimes, and join the fashion group to promote my profile. And of course, I use the most effective term, words of mouth to send my message around, haha my friends helped me a lot in that.

Sue Chean: for so long, do you have your own loyal customer?

Gladys : Ya, some customer will contact me again if they need any perfume, sometime they will even introduce some of their friends to my perfume profile as well. It is nice to have such customer.

Seems like online shopping do make Gladys earn some money, and she likes what she do. To attract and maintain your customer loyalty, you must always comes up with some little trick and strategy, customer do not visit your profile, if nothing can pull their attention. Hope this articles can do some help for the newbie in online shopping.

-On _Shop-