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Electronic Commerce - A Penny for your thoughts

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My November 19th, 1997 presentation to the Annual Guide SHARE Europe conference.

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Electronic Commerce - A Penny for your thoughts

  1. 1. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited November 19th, 1997 GUIDE SHARE Europe - UK Region Annual Conference � 1997 IBM United Kingdom Limted Mark Cathcart, IT Consultant, Software Strategy, S/390 Division, Europe, Middle East & Africa mark_cathcart@uk.ibm.com http://www.s390.ibm.com/sections/corner e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ? � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 1
  2. 2. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Asymmetric CryptographyAsymmetric CryptographyAsymmetric CryptographyAsymmetric CryptographyAsymmetric CryptographyAsymmetric CryptographyAsymmetric CryptographyAsymmetric Cryptography decryptcipher text plain text plain text encrypt public key private key Asymmetric encryption:Asymmetric encryption: RSA: Rivest, Shamir, AdlemanRSA: Rivest, Shamir, Adleman two keys: one private, one publictwo keys: one private, one public key length: 512 to 2048 bitskey length: 512 to 2048 bits 100x slower than DES100x slower than DES � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 2
  3. 3. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Understanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private KeysUnderstanding Public and Private Keys TOP SECRET DO NOT DISTRIBUTE Open House All Visitors Welcome Private Keys:Private Keys: Generated by user's browserGenerated by user's browser Extremely long string of charactersExtremely long string of characters Known only to user and must be kept secretKnown only to user and must be kept secret Data encrypted with private key can only beData encrypted with private key can only be decrypted with public keydecrypted with public key Cannot be derived from public keyCannot be derived from public key Public Keys:Public Keys: Generated along with private keyGenerated along with private key Extremely long string of charactersExtremely long string of characters Made available to public or can be listed in directoriesMade available to public or can be listed in directories Data encrypted with public key can only beData encrypted with public key can only be decrypted with private keydecrypted with private key � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 3
  4. 4. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited AgendaAgendaAgendaAgendaAgendaAgendaAgendaAgenda InternetInternet Future, Today, TrendsFuture, Today, Trends ImplicationsImplications Legal, Social, Consumer LifestyleLegal, Social, Consumer Lifestyle e-Commercee-Commerce Why, What, WhoWhy, What, Who Market, Examples, ProcessMarket, Examples, Process How to get e-Commerce enabledHow to get e-Commerce enabled � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 4
  5. 5. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited The Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the future Will be a mass medium, like television or moviesWill be a mass medium, like television or movies In fact, it may be indistinguishable from televisionIn fact, it may be indistinguishable from television Delivered via cable or satelliteDelivered via cable or satellite Viewed on a big screen with high fidelity soundViewed on a big screen with high fidelity sound Mostly professionally-produced content for commercialMostly professionally-produced content for commercial purposespurposes Unlike television, people can produce their own contentUnlike television, people can produce their own content and make it easily available to a global audienceand make it easily available to a global audience � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 5
  6. 6. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited The Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the future Transactional privacy is assured via encryption andTransactional privacy is assured via encryption and digital signatures, even across international boundariesdigital signatures, even across international boundaries Micropayment systems allow content providers to sellMicropayment systems allow content providers to sell information for a very small fee per transaction, butinformation for a very small fee per transaction, but with a very large number of transactionswith a very large number of transactions � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 6
  7. 7. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited The Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the futureThe Internet of the future Business transactions are routinely accomplished overBusiness transactions are routinely accomplished over the Netthe Net Both business-to-business and consumerBoth business-to-business and consumer Multiple payment methods:Multiple payment methods: Credit CardCredit Card Direct DebitDirect Debit Digital CashDigital Cash Purchase OrderPurchase Order � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 7
  8. 8. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited The Internet todayThe Internet todayThe Internet todayThe Internet todayThe Internet todayThe Internet todayThe Internet todayThe Internet today Changed from a network of computers to a network ofChanged from a network of computers to a network of humanshumans Changed from academic curiosity toChanged from academic curiosity to a daily part of the lives of millionsa daily part of the lives of millions but not all of those millions actually use it, though!but not all of those millions actually use it, though! Coming soon, Internet2Coming soon, Internet2 � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 8
  9. 9. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Internet TrendsInternet TrendsInternet TrendsInternet TrendsInternet TrendsInternet TrendsInternet TrendsInternet Trends Domain Names up 43%Domain Names up 43% Largest Jump everLargest Jump ever Number of "Number of "Host ComputersHost Computers" up 21%" up 21% Increase of 3.39 millionIncrease of 3.39 million In last 6-months!In last 6-months! � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 9
  10. 10. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Internet Trends (2)Internet Trends (2)Internet Trends (2)Internet Trends (2)Internet Trends (2)Internet Trends (2)Internet Trends (2)Internet Trends (2) Where is it all going ?Where is it all going ? 1 .Com1 .Com - Commercial- Commercial 2 .edu2 .edu - Education- Education 3 .net3 .net - Networks- Networks 4 .jp4 .jp - Japan- Japan 5 .uk5 .uk - UK!- UK! Jan - July 1997Jan - July 1997 Network Wizards Inc. SurveyNetwork Wizards Inc. Survey http://www.nw.comhttp://www.nw.com � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 10
  11. 11. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited What is it being used for ?What is it being used for ?What is it being used for ?What is it being used for ?What is it being used for ?What is it being used for ?What is it being used for ?What is it being used for ? 88%88% - Surfing for Information- Surfing for Information 83%83% - Sending e-mail- Sending e-mail 80%80% - Informal research- Informal research 70%70% - Browsing company home pages- Browsing company home pages 50% up from last year50% up from last year 90% of those looking for product information90% of those looking for product information 1997 Survey by Market Facts for Advertising Age1997 Survey by Market Facts for Advertising Age � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 11
  12. 12. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited International BoundariesInternational BoundariesInternational BoundariesInternational BoundariesInternational BoundariesInternational BoundariesInternational BoundariesInternational Boundaries They don't exist on the InternetThey don't exist on the Internet Data on a machine in one country is accessible fromData on a machine in one country is accessible from any other countryany other country The user may not even know where the information isThe user may not even know where the information is storedstored Enforcing local standards is impossibleEnforcing local standards is impossible CryptographyCryptography "Unacceptable" content"Unacceptable" content � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 12
  13. 13. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Legal ImplicationsLegal ImplicationsLegal ImplicationsLegal ImplicationsLegal ImplicationsLegal ImplicationsLegal ImplicationsLegal Implications Supply of goodsSupply of goods BillingBilling Country Legal regulation (law)Country Legal regulation (law) TaxTax Data protectionData protection � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 13
  14. 14. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Copyright and PaymentsCopyright and PaymentsCopyright and PaymentsCopyright and PaymentsCopyright and PaymentsCopyright and PaymentsCopyright and PaymentsCopyright and Payments Approaches to the copyright problemApproaches to the copyright problem Digital WatermarkingDigital Watermarking CryptolopesCryptolopes Approaches to the payment problemApproaches to the payment problem Subscription-based servicesSubscription-based services Digital CashDigital Cash Micropayment systemsMicropayment systems � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 14
  15. 15. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Social / Community ImplicationsSocial / Community ImplicationsSocial / Community ImplicationsSocial / Community ImplicationsSocial / Community ImplicationsSocial / Community ImplicationsSocial / Community ImplicationsSocial / Community Implications Information haves/have notsInformation haves/have nots Education and Access to informationEducation and Access to information On the Web, no one can see you surf!On the Web, no one can see you surf! � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 15
  16. 16. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Consumer LifestyleConsumer LifestyleConsumer LifestyleConsumer LifestyleConsumer LifestyleConsumer LifestyleConsumer LifestyleConsumer Lifestyle Time Poverty drives demand for:Time Poverty drives demand for: 7/24 access7/24 access high levels of customer service and conveniencehigh levels of customer service and convenience Growing number of single parent and dual incomeGrowing number of single parent and dual income householdshouseholds Increasing consumer technology literacyIncreasing consumer technology literacy Access to technology widespreadAccess to technology widespread Shopping habits changing dramaticallyShopping habits changing dramatically 11/1997 Shell UK Survey11/1997 Shell UK Survey � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 16
  17. 17. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Why e-Commerce ?Why e-Commerce ?Why e-Commerce ?Why e-Commerce ?Why e-Commerce ?Why e-Commerce ?Why e-Commerce ?Why e-Commerce ? Power migrating to buyersPower migrating to buyers Information assetsInformation assets Increase revenueIncrease revenue Time to marketTime to market DifferentiationDifferentiation Reduce CostsReduce Costs � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 17
  18. 18. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited What is e-Commerce ?What is e-Commerce ?What is e-Commerce ?What is e-Commerce ?What is e-Commerce ?What is e-Commerce ?What is e-Commerce ?What is e-Commerce ? InquiryInquiry OrderOrder AuthorisationAuthorisation PaymentPayment FulfillmentFulfillment Any or all of the aboveAny or all of the above � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 18
  19. 19. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ?Who can use e-Commerce ? Business to businessBusiness to business $1.3 Billion in 1996$1.3 Billion in 1996 $176 Billion in 2001$176 Billion in 2001 IDC SurveyIDC Survey Internal orderingInternal ordering IntranetIntranet - 28% ROI- 28% ROI Publish onlyPublish only - 22% ROI- 22% ROI CollaborationCollaboration - 40% ROI- 40% ROI Real-time TxReal-time Tx - 68% ROI- 68% ROI Meta Group StudyMeta Group Study Consumer to businessConsumer to business � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 19
  20. 20. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ?Is there a market for e-Commerce ? UKUK Exceed �2.7Billion by Year 2000 (IDC)Exceed �2.7Billion by Year 2000 (IDC) Culture AlignmentCulture Alignment 11/1997 Shell UK Survey11/1997 Shell UK Survey Spurred by growth of InternetSpurred by growth of Internet 5,000 commerce sites online5,000 commerce sites online Year on Year growthYear on Year growth ""Whole planet online by 2003/2004Whole planet online by 2003/2004"" � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 20
  21. 21. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 21
  22. 22. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 22
  23. 23. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 23
  24. 24. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 24
  25. 25. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 25
  26. 26. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ?Are there examples of e-Commerce ? Book sellersBook sellers amazon.comamazon.com - Largest?- Largest? Bookserve.comBookserve.com - Supplier to amazom- Supplier to amazom - Subsiduary of Ingram Entertainment- Subsiduary of Ingram Entertainment http://www.bookshop.co.ukhttp://www.bookshop.co.uk TicketsTickets Airlines, Theatres, Opera HouseAirlines, Theatres, Opera House Shops on the netShops on the net http://www.shopsonthenet.co.ukhttp://www.shopsonthenet.co.uk � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 26
  27. 27. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ?What's the e-Commerce process ? Typical Credit Card ProcessTypical Credit Card Process Clearing Goods Payment BANK Acquirer BankIssuer Bank Consumer Merchant � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 27
  28. 28. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ? 1. Create a web site1. Create a web site - Product Info & Service- Product Info & Service 2. Access to service2. Access to service - Self Service ie. Loyalty programs- Self Service ie. Loyalty programs 3. Business Transactions3. Business Transactions Integrate with existing applications and dataIntegrate with existing applications and data Avoid Islands of dataAvoid Islands of data � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 28
  29. 29. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ?How to get e-Commerce enabled ? 1. Create a web site1. Create a web site - Product Info & Service- Product Info & Service 2. Access to service2. Access to service - Self Service ie. Loyalty programs- Self Service ie. Loyalty programs 3. Business Transactions3. Business Transactions Integrate with existing applications and dataIntegrate with existing applications and data Avoid Islands of dataAvoid Islands of data � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 29
  30. 30. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390Electronic Commerce with OS/390 Web browser Wallet Net.Commerce e-Till Merchant Payment gateway Acquirer CommercePOINT WalletCommercePOINT Wallet Helper application for the Web browserHelper application for the Web browser Net.CommerceNet.Commerce Electronic mall and store frontElectronic mall and store front CommercePOINT eTillCommercePOINT eTill Processes SET protocol elementsProcesses SET protocol elements CommercePOINT Payment GatewayCommercePOINT Payment Gateway Translates SET authorization requestsTranslates SET authorization requests IBM Registry for SETIBM Registry for SET Certificate managementCertificate management � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 30
  31. 31. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited CommercePOINT WalletCommercePOINT WalletCommercePOINT WalletCommercePOINT WalletCommercePOINT WalletCommercePOINT WalletCommercePOINT WalletCommercePOINT Wallet Helper application forHelper application for Web browsersWeb browsers Launched by wakeup messageLaunched by wakeup message sent by the Net.Commercesent by the Net.Commerce server (a page returned overserver (a page returned over HTTP that has a specific MIMEHTTP that has a specific MIME type)type) Allows a choice to be made fromAllows a choice to be made from multiple payment instrumentsmultiple payment instruments On buy, SET protocol flows areOn buy, SET protocol flows are initiated between consumer andinitiated between consumer and merchantmerchant � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 31
  32. 32. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited Net.CommerceNet.CommerceNet.CommerceNet.CommerceNet.CommerceNet.CommerceNet.CommerceNet.Commerce Merchant Goods Payment Net.Commerce eTill BANK Acquirer Bank Consumer Electronic mall and store front forElectronic mall and store front for business-to-consumer or business-to-businessbusiness-to-consumer or business-to-business Dynamic HTML to customise catalog web pages -Dynamic HTML to customise catalog web pages - for special offers, target customer groups...for special offers, target customer groups... Multipayment protocol function and SETMultipayment protocol function and SET Browser-based clients for Site management, StoreBrowser-based clients for Site management, Store management and Content managementmanagement and Content management Exploits DB2 for pricing and product informationExploits DB2 for pricing and product information Option to reuse existing catalog web sitesOption to reuse existing catalog web sites Integrates with existing systems:Integrates with existing systems: fulfillment,fulfillment, tax calculation,tax calculation, payment...payment... � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 32
  33. 33. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited CommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment GatewayCommercePOINT Payment Gateway Payment Gateway Translate SET protocol elements into financial institute-specific credit card authorization request Translate financial institute-specific credit card authorization responses into SET protocol elements Existing financial networks are used for interaction between acquirer and issuer financial institutions Pre-existing protocols SET over HTTP Issuer Bank BANK Acquirer Bank Merchant � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 33
  34. 34. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant)IBM Registry (SET Compliant) Generates, distributes, and manages Secure ElectronicGenerates, distributes, and manages Secure Electronic Transactions (SET) certificates via the WebTransactions (SET) certificates via the Web Merchant, cardholder, and payment gateway certificatesMerchant, cardholder, and payment gateway certificates Facilitates secure payments over the Internet using the SETFacilitates secure payments over the Internet using the SET protocolprotocol Provides a registration processProvides a registration process Can function as:Can function as: Cardholder Certificate AuthorityCardholder Certificate Authority Merchant CAMerchant CA Payment CAPayment CA Supports on-line requests using protocols defined by the SETSupports on-line requests using protocols defined by the SET specification for HTTP transmission with a customer-tailoredspecification for HTTP transmission with a customer-tailored interfaceinterface � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 34
  35. 35. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited A complementary channel to marketA complementary channel to market Customer loyalty earned through service andCustomer loyalty earned through service and accessibilityaccessibility Integration with existing business processesIntegration with existing business processes Ability to scale the solution with the businessAbility to scale the solution with the business opportunityopportunity Surety for financial transactions in an insecureSurety for financial transactions in an insecure environmentenvironment ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business?ARE YOU READY} for e-business? � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 35
  36. 36. Mark Cathcart, penny4.prz � 1997 IBM United Kingdom Limited November 19th, 1997 GUIDE SHARE Europe - UK Region Annual Conference � 1997 IBM United Kingdom Limted Mark Cathcart, IT Consultant, Software Strategy, S/390 Division, Europe, Middle East & Africa mark_cathcart@uk.ibm.com http://www.s390.ibm.com/sections/corner e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ?e-Commerce: A Penny for your thoughts ? � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 36
  37. 37. P & C y p b d m If you have the correct key you can overlay it and read the message within, which will be to your benefit! � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 37
  38. 38. an ou see how rivacy can e maintained by oing electronic essaging? ublic keys can be given out private keys retained by the user for complete security This is private key number 1. � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 38
  39. 39. This is private key number 2. ongratulations ou have won a rize y ecrypting this essage. lease bring your handout key to me to collect your prize afterwards. � 1997 Copyright IBM United Kingdom Limited penny4.PRZ Mark S. Cathcart Page 39

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