EEM PaymentExamples

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1.1                Payment System Details

The aim of this document is to present possible Payment systems used in different Business Models. The list of the Business models is given in P4A-D101.2. The focus of my task is to explore the payment systems in these business models and to highlight their main features.  The following information is required for Payment Systems of each Business Model.

 

Detail in the Wiki – link

Goal is to provide detail and examples for each of the payment systems.

 

1.1.1             Parties (Who can use?)

 

Business Model

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.2             Major Players

Business Model

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.3             Controlling Body

Business Model

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.4             Standards

 

1.1.4.1                Discounts

 

Business Model

Discount Coupons

Special Offers

 

 

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.4.2                Policies

 

Business Model

Terms of use

Privacy Policy

Return Policy

Password Policy

 

 

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.4.3                Miscellaneous

 

Business Model

Multi language support on Transaction form

 

Apple App Store

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

HBO on-demand

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

Open Business

Tesla Motors

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

1.1.5             Technical Standards

 

Business Model

SSL Security Certified Transaction

Norton Secured Service for Transaction

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.6             Basic Currency Unit

 

Business Model

Geographically Selected

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.7             Exchange Determination information

 

Business Model

Not Available

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.8             Tax deduction information

 

Business Model

Not Available

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.9             Fees/ Donation

 

Business Model

Varies from item to item

Varies from plan to plan

Upto to the user

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.10         Timing

 

Business Model

 

 

 

Per month

Per year

Per month

Per year

Whenever user wants

 

 

 

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.11         Liquidity

It means transparency of user data. So, we analyse in model, does there exist any policy in the model which could tell about the user´s provided information that who, how and where they can use it.

 

Business Model

 

 

'Yes '(Privacy Policy or other rules)

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.12         Anonymity

Anonymity is actually showing oneself as an anonymous body in public just to hide the identity.  We are aiming to check does the model provide such Privacy Policies to their users.

 

Business Model

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.13         Security

1.1.13.1            Email and Card

 

Business Model

Verify email

Sequrity Questions

Two Step Verification mode

Verify Card for transaction and call to bank.

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.13.2            Transaction security

This is a kind of security provided to secure the information entered by the user on the webpage for processing the transaction.

Business Model

SSL Certificate

Norton Security

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

HBO on-demand

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.14         Payment Method

 

Business Model

Credit Card

Debit Card

Direct Debit Card / Bank Account

Bank Draft

Apple Business Lease Card/ Barclaycard Visa with Apple Rewards

 

Rewards Points

Gift Card

✔¤

✔¤

 

 

 

 

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

 

 

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

 

 

 

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1.1.15         How to Signup?

The user can Signup using different option such as by filling an online, using face book identity, googleplus identity etc.

 

 

 

Business Model

Online form

 

 

 

 

Apple App Store

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amazon S3

 

 

 

 

 

 

HBO on-demand

 

 

 

 

 

 

 

 

 

 

 

Merchants and e-shop

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Crowsourcing and crowdfunding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Open Business

Tesla Motors

 

 

 

 

 

Google voice recognition technology

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  </div>

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