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For all of these reasons, a better way is needed to pay for goods and services in cyberspace. This better way is electronic payment systems. As in the traditional marketplace, so too in cyberspace, diversity of payment methods allows customers to choose how they wish to pay. The following instruments are acceptable means of electronic payment: electronic checks, electronic credit cards, purchasing cards, electronic cash, stored-value cards, smart cards, and person-to-person payments. In addition we discuss electronic bill presentment and/or payment, both online and from ATMs. Here we will look at each of these payment mechanisms. In 15 and in Online File W5.6 we consider how to make them secure. Electronic checks. Electronic checks (e-checks) are similar to regular checks. They are used mostly in B2B (see Reda, 2002). Here is how they work: First, the customer establishes a checking account with a bank. Next, the customer contacts a seller, buys a product or a service, and e-mails an encrypted electronic check to the seller. The seller deposits the check in a bank account, and funds are transferred from the buyer s account and into the seller s account. Like regular checks, e-checks carry a signature (in digital form) that can be veri ed (see echeck.net). Properly signed and endorsed e-checks are exchanged between nancial institutions through electronic clearinghouses (see Eccho, 2002, and eccho.org for details). For the process of how e-checks work as done by eCheck Secure (echecksecure.com), see Figure 5.5. Electronic credit cards. Electronic credit cards make it possible to charge online payments to one s credit card account. It is easy and simple for a buyer to e-mail his or her credit card number to the seller. The risk here is that if the

The con of using a vendor offering is that you have to pay to license the product. Justifying this upfront cost can require some work but is usually worth it in the long run. If nothing else, going through the process should clarify your requirements, which are themselves valuable for whichever framework option you decide upon. Something you should keep in mind when contemplating a vendor offering is that the product should be usable without requiring extensive use of the vendor s consultants. In other words, make sure that the product is actually a product, and not just a sales tool for the vendor s professional-services group.

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Replication has become very popular as a part of the highly available (HA) architecture. We nd that sometimes people confuse HA with data protection. HA is de ned as the ability of a system to perform its function continuously (without interruption) for a signi cantly longer period of time than the reliabilities of its individual components would suggest, whereas data protection implies the ability to have the data recoverable regardless of a failure or disaster. Some people are now including replication as a part of their overall data protection scheme. Replication gives the user the ability to maintain identical physical copies of a master set of data at two or more widely separated locations. Some of the reasons to use replication are:

In this topoloey a medium is shared by several devices (Flgure 2.1 1).Here we use the term bus or tree topology.A bus is in principle a degenerated tree.

as shown in Figure 5.3, then click. The curve defined in the node collapses to a straight line. (You may need to do the same to the other node of a path segment to get a completely straight segment.)

(p) SERVICE CREDIT. Of particular importance to customer employees with a number of years of service is the extent to which the vendor will give them credit for their years of service with the customer for eligibility, participation, vesting, and accrual purposes for certain benefits (e.g., vacation, savings plans, pension plans, severance). Sample Clause. Except with respect to those plans for which the Customer Employee shall immediately vest pursuant to this Article, the Customer Employee shall be eligible for Vendor s vacation and holiday program, disability plan and retiree health plan and other welfare plans based on the Customer Employee s service date with Customer. (q) TUITION AID.

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