An E-commerce Blog

TOPICS		X WHEN COMPLETED	DATE COMPLETED
What is Internet Banking?
	Word Match	x	10/September
	Banking Habits	x	10/September
	Have Your Say	x	10/September
Getting Started
	What’s on Offer	x	10/September
	Word Find	x	10/September
	True/False Quiz	x	10/September
	Online Banking Application Form	x	10/September
Security
	Words and Meanings	x	10/September
	Do’s & Don’ts	x	10/September
	Passwords	x	10/September
How to Bank Online
	Logon Demo	x	20/September
	Balances Demo	x	20/September
	Transfer Funds Demo	x	20/September
	Pay Bills Demo	x	20/September
	SimBank Low Income Transactions	x	20/September
	SimBank Average Income Transactions	x	20/September
	Maths for Banking Activities	x	20/September
Rights
	Do’s and Don’ts	x	20/September
	Who Does What	x	20/September
	How to complain	x	20/September
For and Against
	Opposites	x	22/September
	What Others Think	x	22/September
	Have your Say	x	10/September
Learners
	Internet Skills Quiz	x	22/September
	Internet Basics	x	22/September
	Learner Activity Checklist	x	22/September
	Evaluation Questions	x	22/September

 

 

 

What is Internet Banking – Have Your Say;

 

The way we deal with money has definitely been impacted upon by the new generation of technology. Changing the way we bank the technology has made a convenient option for us suiting our needs and wants. With the Luxury of your living room online purchasing of  bills, groceries and that cute little outfit you saw the other day seems to be the way of the future, just type in the code and all is done a simple finger tip workout. Let’s just hope that you don’t forget the code.

 

 

 

 A life style of luxury is what we all desire, but now it’s something real for which we can aspire. Technology has opened doors for us that earlier generations never even dreamed of. All of our shopping can now exclude lugging around a shopping mall with a screaming three year old and a trolley with a faulty wheel that you can’t bring into that interesting little corner shop you’ve been eyeing. With the time it takes to haul around the mall, made to manipulate your mind with twists turns and escalators galore you could have done the groceries paid the bills and not only found that cute outfit but even searched for it  and found it cheaper for yourself to buy. However, like if you can be rich then somebody has to be poor, there is a downside to the many ups.. Internet banking can be unsafe through things like spam, scamming and phishing schemes. The safety of whom or what you’re dealing with cannot stare at you straight in the eye and it can be difficult to find the trust worthy internet sites

 

 

 

In the last 20 years we have developed in computing technology drastically websites such as E-bay and Amazon have made their appearance creating the availability of online shopping, auctions trading and banking. Soon enough everything will be done over the internet and the internet will no-longer be just an online page, it will be a full scaled 3-d hologram site where we will be able to plug in, tune out and have our lives ruled by the internet. If they think this is big,  just wait until what’s to come.

 

 

Cheap, Convenient, Quick and reliable online banking has definitely re-invented the use of the internet. Online banking is a thing of the future; it is perfect for those who need another 24 hours in a day.

 

Internet banking does contain faults; these mainly centre on security, both financial and job security. Internet banking   has affects jobs in the banking industry for employees working with customers, with internet banking literally just a click away, the warm comforting smile of a banker is turning into a frown as their colleagues start to decrease in number and new job opportunities in their trade decrease whilst IT is on the rise, webmasters are about to become very popular as online banking grows as E-commerce. Despite the uprise, precautions must be taken as security is still at high risk. Internet transfers are not always safe and scams can leave people financially devastated but with a few simple cautious steps, online banking is a bright option.  

 

 Despite the known dangers, as I know of them and am cautious of dodgy websites, emails and spam the online banking industry is a benefit to the online world community.

 

­­­­­­­_­

1	Do you understand more now about online banking than when you started?
	Yes, a lot	Yes, a little	No
2	Was the information about online banking easy to understand?
	Very Easy	A bit difficult	Very difficult
3	Were the links to topics and activities easy to follow?
	Very Easy	A bit difficult	Very difficult
4	Did you find the activities fun to do?
	Yes	No	Not Sure
5	Did you learn any internet skills using this site?
	Yes	No	Not Sure
6	Did you have teacher support to use this site?
	Yes, a lot	Some	Not Much
7	Was the learner resource section helpful?
	Yes, a lot	Some	Not Much
8	Do you now understand more about the security used in online banking?
	Yes	No	Not sure
9	Did the Sim bank, demonstrations and banking activities give you confidence in using online banking?
	Yes, a lot	Yes, a little	No
10	Did you like being an online learner?
	Yes, a lot	Yes, a little	No
11	Would you recommend this site to others wanting to learn about online banking?
	Yes	No	Not Sure

 

When Transferring funds online problems that can occur usually involve fraud scheming and scams. The main error of this problem is that your personal details are used to purchase products Hackers can get hold of this information and use that to steal money for personal use.

Avoidance is very simple, double checking statements knowing what you bought and whoever other partner with a copy of that card has bought. Over billing may be hackers,especially on the internet. Use systems like B-PAY for bills and view your finances often using B-pays special viewer. Make sure you have proof of what you bought and always delete your browsing history in case access to your computer is available.

Safeguarding by keeping your details safe online: You have to remember not to give away details, use special accounts with different passwords so that even if hacked you will be safe from your normal personal details and passwords above instructions, not giving away your personal details on the phone and when buying items make sure the website is safe, secure and reliable. Finally always read through your statements properly.

 

 Ebay.

The world of Auctions have never been so ruthless and thrilling as what this site provides. Since september 1995 it has grown to become the amazing online battleground it presents to us today.

Ebay is ruthless and its customers- experts. The few seconds between the end of an auction are critical. those who win have the ability to place their bet within the last second of the auction without missing it all together. An ability that  has astounded me since I lost a Nintendo in the last two seconds of an auction. By fifty cents.

Ebay is not only a battle ground but it is safe and responsible socially accepted in society as not being one big scam- a great achieve ment on their part. It is the place to go to  buy and sell products of all kinds for  a low price.

Ebay is the home to many weird and wonderful items and the stories to those who go with it. things from famous singer James Blunt selling his sister as a “damsel in distress.” who needed a lift  but ended up marrying the man who was the highest bidder.

Then there goes to the rumour about the man with the paper clip, and how he earned is dream home by selling a paperclip on ebay, then buying a rubber then a pencil until he got up to cars and then finally his dream home.

Ebay is a many splendid things, including great buys, laughs and accessability. Ebay is one of the few sites with a reputation that is so highly upheld. All in all, a great online commercial site.   

 

 

 how you can protect yourself online from scams and fraud

 

• What type of card to use – We are told to never use a debit card but rather a credit card that you put aside for online buying therefore it is safer to use online.

 

• Email accounts- Like the card create a seperate email account especially used for online buying, and use a different password  therefore protecting yourself from spam and hackers as they cannot steal passwords and other details that you may contain on your regular email adress.

 

• Security -My Internet Browser is  Fire fox and sometimes internet explorer. Fire Fox Has the benefits of being a wide community and is often updated with the option of add-ons amongst other widgets.  Its ease to use tabbing instead of opening up a million windows is useful and the  browser has the ability to book mark web pages that you use often as well as being able to revisit history.  Firefox also uploads and downloads much faster then other programs allowing you to access files and media products faster.

The internet Explorer browser is also useful in its reliabliity with me.It is one of the original browsers and can include a wide range of tools and widgets for you to use. It is compatible with most programs and doesn’t have to much spamming problems.

The safari browser is a browser especially uses in Apple mac (C) computers. This particular browser is useful and protected from viruses because of it’s main supporter. However  I find the browser very slow and loading takes much longer time then other browsers. 

 

 

Adore Beauty is an online retailer that sells beauty products.

What payments methods are accepted?

 With Adore Beauty you can choose any of the following payment methods:

 

Credit cards:  The credit cards you mnay pay with include: Mastercard, VISA & American Express – you pay online via their secure server there is a “pay online” button on the site, or phone/fax the card details through to the company.

 

Direct deposit: you can send a direct deposit through your bank account to  their Bank account, with the details given on the site Payment to the company must be received within three working days of the order date or the order will be cancelled. To make a direct deposit from an Australian bank account you can use the third-party-transaction in your online banking.
 

Cheque/money order: Payment must be received to the company within   working days of the order date; otherwise the order will be cancelled. You make your payment to Adore Beauty and send it with your name, address and number and if payments don’t reach them they suggest the customers to use registered post. Cheques will take 7 days to clear before they can dispatch your order and cheques and money orders MUST be in Australian Currency.

 

 

PayPal : To pay by PayPal you just have to click on the “Paypal – Buy Now” button on the order confirmation page after completing and submitting your order. You could also go to the Paypal.com.au website and log in, or sign up and use the “Send Money” tab to send your payment ( in Australian dollars) to service@adorebeauty.com.au And use your order number as the payment reference.

 

 

Telegraphic transfer: (can be from an over sea’s account.) Payment must be received by the company within 3 working days of the order date, otherwise the order will be cancelled. To make a direct deposit using an Australian bank account, you can use the third-party-transfer in your online banking facility to send money to their account. Alternatively, visit a Westpac branch and fill out a deposit slip with the details below to make a deposit over the counter. You have to reference your payment with your order  no. so they can Identify it as your’s.To make a telegraphic transfer from an overseas account,  you have to contact your bank for instructions. International Telegraphic Transfers will incur an additional cost of AUD$6.00, as this is what the companies bank charges to let the company  receive them.

 

Information found at http://www.adorebeauty.com.au/adorebeauty/helpPayments.asp?help=1

1.       Use the net to find out about the developments in this company over the last 10 years.

 

A: one of the first Major Websites that bought and sold products over the internet was Amazon. In 1994 the site that is called “Amazon” was created by a man under the name of Jeff Bezos. Within the last ten years The Amazon site has been improving it range by incorporating products with a cheaper price and thus doing so, enlarging their market niche.

 Amazon has also worked to include certain products in time for the turn of the millennium.

 

In 1999 they added in products such as videogames, electronic devices, hardware and software and by 2002 they earned their first profit since they started, an unusual strategy that left Amazon afloat whilst many other e-companies crashed. Earning a profit of 5 million dollars, by the next year that had increased to 35.3 million and by 2006 it had increased its profit to a record breaking 10.7 Billion and now including the makings of an online shopping centre with a store for almost every subject: food, health, outdoors, clothes, jewellery, shoes etc.

 

 Amazon is one of the most well known E-commerce sites that you can find today working as a B2C. It will for a long time yet be enlarging its stock, name and profit as the next ten years of E-commerce develops.

 

2.       Describe the uses of a Kindle.

 

The Kindle is a Device which allows portable, easy reading wherever you are .The kindle is like paper and allows you to browse wirelessly and buy to read instantly. Without the use of synching, computers or cables it allows you to brows a wide range of literature and costs efficiently cheaper than the printed version, delivering itself from as soon as a minute for books to 12 hours for a paper. The Kindle is Battery Powered and light weight and also gives you free wireless access to Wikipedia online. The best of all is that it involves no service or commitment plans in order to buy literature.

 

3.       How could it revolutionise the book business?

The Book Kindle could revolutionise the books business as it would mean that you would have access to buying a new book 24/7 and would only have to go to the book store if you wanted a printed version. The Kindle would be easy and efficient for users and cheaper. Eventually this could cause the wipe out of the book-store business however that is still in quite a far distance. However, It will create  less copies being printed  after a year or two of the kindle being out on markets and so not only will it be efficient but also we will be helping save the planet.

 

4.       Outline why e-commerce is specially suited to the product.

 

An online transaction of business represents what E-Commerce is all about; it also represents the use of the kindle. The Kindle involves virtual transactions and use (reading) of a product, The Kindle will force bookstore to become a virtual reality thus creating a mass- production of E-commerce if the trend catches on.

5.

 

(a)    Ease of Navigation:  

Amazon is efficient with its ease of Navigation down one side of the site is the list of stores; with clear easy to read links, purchasing on-line has never been made easier.

(b)   Layout of the homepage:

The Amazon’s homepage layout uses colour amongst other things, like use of columns for clarity. The Homepage has your personal links at the top of the page addressing you to places such as ‘your Amazon.” As well as your cart and shopping list and “hello “page. Underneath this Bright blue heading are three columns with links that allow access to most of the site through the homepage alone.

  

(c)     Methods of Payment:

With Amazons payment you can pay for things with American express ,Diners Club, Discover, JCB, MasterCard, Euro card, Visa, Visa Check Cards, Amazon.com gift cards, Amazon store cards, Bill me Later®, Payment from bank accounts, web certificates, Checks, Money orders, travellers check, cashier’s checks. Amazon.com however do not accept “wiring”, PayPal, smart-cards and cannot apply manufacturers coupons, food stamps or any other payment that not method listed above

 

(d)   Ease of Product selection:

Amazon has a wide range of products available for selection. All of these products are clearly categorised and when purchasing it has a “if you liked this then you will like…”section that includes products that consumers who have made the same purchase as you have made.

 

(e)    Return Policy:

 The general rule with the return policy is that if the product is unharmed, unused and in retainable condition and returned within 30 days a full refund is given. Shipping costs are also included in the refund price if the return is due to an error with the product. All refunds are given within four weeks on Amazon receiving the product. If the item is opened or   given back after thirty days a partial refund is given.

 

(f)     Delivery Charges and options

 

With some acceptations, Airmail and Priority Express are the two main ways of delivery. .The Average cost for delivery is $1.49 per item and $2.09 per delivery for Airmail and 2.49 per Item and 18.99 per delivery these services exclude the following countries: North America, UK, Japan and Western Europe

 

 

 

 

 

 

 

 

 

 

 

 

Advantages

Disadvantages

Consumers benefits: ·          Reduced all round cost (delivery, product etc.) ·          24/7 shopping time ·          Universal Market ·          Saves time/efficient ·          Easier to compare prices of same product ·          Public opportunities: e.g. rural gain access to more, better information and products. Owner/Organizations  Benefits:: ·          Global chance of  financial gain e.g. African manufactured items ·          Owner saves on travel costs and fuel ·          Can update often e.g. New products. ·          Wider niche’s ·          Can communicate the five W’s  about your products ·          Can trade at all hours giving a wider range of consumers e.g. working families, single parents, overseas customers etc. ·          New markets ·          Less limits within market ·          “decrease costs in creating, processing, distributing, storing and retrieving information.” ·          Lower costs then running an actual store.

Technological: ·          Little-no standards of security, quality and reliability e.g. High chance of virus. ·          Internet access has easy failure and hence can be unsatisfactory with limits to access the wider market. ·          Because of the rapid increase of technological evolution there is difficulty in keeping up with the current data bases and applications needed for the website ·          if a business system’s scalability is not sufficient and upgradeable, it will result in degradation, slowdown, and eventually loss of customers. Non-Technological: ·          Security and Privacy of consumers could be at high risk. ·          Lack of trust ·          Habits  that you can’t view real merchandise online   are hard to change ·          Virtual stores can be complicated and confusing.   ·          Hackers ·          Different expectations e.g. colour schemes can determine if a site is to “tacky” ·          Virtual stores can be complicated and confusing.     ·          High cost or unique items have an uneager amount of consumers willing to buy online. ·          Some customers wants to browse but buy after they have  experienced the product e.g. furniture ·          It can be hard to make correct decisions and trialing or accessing the good before purchase is unattainable.

1. List the important factors that need to be considered when setting up an e-commerce site.

When setting up an e-commerce site important things to consider are:

What products and services are to be sold online? 

Are there any business partners to consider?

What price to charge and what pricing model?

How to present your products and services?

How are the products or services to be delivered?

Payment method and timing

Security and reliability

Fulfillment

 Maintaining the e-commerce solution

 Managing risk.

 

 

 

 

 

 

 

B2B:  My B2B site is http://www.loanhse.com/, it is a site that gives information and advice about your mortgage options. Quote “We are here to provide you with honest and prompt answers to your financing needs. Our goal is to make the loan process as simple and worry-free as possible. As you search our site you will find information on many mortgage topics associated with today’s market.”

 

B2C: My B2C site choice is http://www.llbean.com/  This is a catalogue website which gains its money from its visitors, It lets you gift shop and buy a range of items from men’s, woman’s, kids, homes, footwear, out doors the list goes on, it is an B2C site because it is about consumer-website connections.

 The World Wide Web was created by many people but was first brought up by a man under then name of Tim berners Lee. Berners Lee invented the WWW in1989 while working at CERN, the European Particle Physics Laboratory in Geneva, Switzerland. He wrote the first WWW client ( a browser-editor)  and the first WWW server along with most of the communications software, defining URLs, HTTP and HTML. HTTP was the Hyper text transfer protocol, which we now see at the beginning of every website.( The protocol is a set of rules thatallow  documents on the internet connect to  all other documents through hyperlink. The link allowing a user to go from one document to another.)

Once http was established, The Inventors worked on a computer text, a  hyper-language, Html-HyperText Markup Language, allowed users  and programmers to set out, develop and change their text and images to their liking, anywhere in their layout.