英语翻译1 INTRODUCTION1.1 ROLE OF THE BACKGROUND PAPERThis eight

英语翻译
1 INTRODUCTION
1.1 ROLE OF THE BACKGROUND PAPER
This eighth background paper is about the integration of electronic payment systems into
B2C Internet-commerce on the Internet.This topic was suggested and agreed on at the
first Steering Group Meeting of 21 November 2000 (Böhle et al.2000).Previous to the
present paper a study on the subject,based on desk research and interviews in The Neth-
erlands,had been prepared for ePSO (Lelieveldt 2001).ePSO also organised an expert
workshop on 19 November 2001 entitled "Integration of Internet payment systems into e-
commerce",part of which was dedicated to the validation of the aforementioned study.1
The topic was also addressed in several articles of the ePSO-Newsletter between Decem-
ber 2001 and March 2002.Acknowledging this input,we present a tentative outline of the
payment integration problem with a view to pointing out real world problems of mer-
chants and consumers and to identifying policy issues.
The following questions,worth further analysis and discussion,emerged:
Is the complete integration of all steps of an online transaction process an objective
worth pursuing?Why not also consider the benefits of disintegration,i.e.transaction
processes in which purchases on the Internet and the payment are dissociated?Exam-
ples are paying for an online purchase with an offline payment instrument,or adding
the GSM network as a security channel.
There are signs that payment service providers,like credit card organisations,can lev-
erage their "payment systems" and extend the scope of their business to take care of all
steps of the completion phase of B2C transactions.Is such a development probable and
would it be an appropriate way to build a security infrastructure for electronic transac-
tion processes?
Payment system integration into online e-commerce has started with the preparation of
traditional payment instruments for the Internet environment and the provision of some
special Internet payment schemes.The mere presence of these payment systems does
not imply their integration into B2C Internet-commerce.Will the next step also be
taken,i.e.the smooth integration of these online payment methods into B2C e-
commerce transactions?This could include for example the production of those data
that allow merchants to match order information and payment information,electronic
receipts of payments for customers,or tracing and tracking capabilities for merchants
and consumers.
The large number of relevant standards at different levels by a multitude of actors has led to a lack of transparency.How can a common view and common actions of e-
banking,e-payments and e-commerce standardisation in the field be achieved?
With respect to merchants,a variety of solutions is currently being used to integrate epayments into the online transaction process.

1简介
1.1作用的背景文件
这第八背景文件是关于电子支付系统的融入
互联网B2C的电子商务在互联网上.本课题建议,并同意在上
指导小组第一次会议2000年11月21日（博勒等.2000年）.在此之前的
本文对这一问题的研究,对案头研究和采访总部设在Neth -
erlands,已准备ePSO（Lelieveldt 2001年）.ePSO还组织了一次专家
二零零一年十一月十九日题为“整合网络支付系统车间到E -
商业“,其中一部分是献给上述study.1的验证
也讨论了该专题在ePSO通讯之间的Decem几篇文章,
误码率2001年和2002年3月.确认此输入,我们提出一个初步的轮廓
付款以便整合问题指出了Mer的现实问题,
圣歌和消费者,并确定政策问题.
下面的问题,值得进一步分析和讨论,出现了：
是一个在线交易过程的所有步骤,以客观完整的集成
值得追求?为何不考虑解体的好处,即交易
在互联网上支付购买是分离的?应试
普莱斯是在网上购买支付与离线支付工具,或增加
作为一个安全通道的GSM网络.
有迹象表明,支付服务提供商如信用卡组织,可以列弗,
erage他们的“支付系统”,并扩大其业务范围,以照顾所有
步骤B2C的交易完成的阶段.就是这样一个发展的可能和
会是一个合适的方式来建立一个安全的基础设施电子的事务,
付款到在线电子商务系统集成已开始与准备
传统的互联网支付工具和环境的某种规定
网上支付的特别计划.这些仅仅存在并支付系统
并不意味着其纳入B2C的互联网电子商务的整合.请问下一步也将
采取的,即进入B2C电子商务网上支付的这些方法的顺利集成,
电子商务交易?这可以包括例如对这些数据的生产
允许符合客商的订单信息和支付信息,电子
为客户付款收据,或跟踪和客商跟踪功能
和消费者.
有关的标准,在由大量不同层次的演员众多,导致缺乏透明度.如何才能共同看法和共同行动电子,
银行,电子支付和外地电子商务标准化的实现?
对于商人,各种各样的解决方案,目前正在用于集成到在线交易过程中epayments.