With a server-based wallet, a user fills out his personal information, and a cookie is automatically downloaded. （A cookie is a text file that contains information about the user.）In this scenario, the consumer information resides on the server of a financial institution or a digital wallet vendor rather than on the user's PC.
Server-side wallets provide assurance against merchant fraud because they use certificates to verify the identity of all parties. When a party makes a transaction, it presents its certificate to the other parties involved. A certificate is an attachment to an electronic message used to verify the identity of the party and to provide the receiver with the means to encode a reply.
Furthermore, the cardholder's sensitive data is typically housed at a financial institution, so there's an extra sense of security because financial environments generally provide the highest degree of security.
But even though wallets provide easy shopping online, adoption hasn't been widespread.
Standards are pivotal to the success of digital wallets.
數(shù)字錢包是一種能使用戶在Web網(wǎng)上支付貨款的軟件。它保存信用卡號碼和其它個人信息，如送貨地址。數(shù)據(jù)一旦被輸入，就自動轉(zhuǎn)移到商家網(wǎng)站的訂貨域。
使用數(shù)字錢包時，當(dāng)消費者購買物品時，不需要填寫每個站點上的訂單，因為信息已經(jīng)存儲了，并自動更新和進(jìn)入到廠商站點的訂貨域。消費者使用數(shù)字錢包時也能得到好處，因為他們的信息被加密了，即由私人軟件代碼加以保護(hù)。商家也避免了受騙而得到保護(hù)，也從中獲益。
對消費者來說，數(shù)字錢包是免費的，可以相當(dāng)容易得到。例如，當(dāng)消費者在建立了處理服務(wù)器端數(shù)字錢包的商家網(wǎng)站上購買東西時，他把其名字、付款額和送貨信息輸入到商家自己的表格中。在購買結(jié)束時，他被要求為他選擇的錢包簽上用戶名和今后購買時的口令。用戶也能從錢包供應(yīng)商的站點上得到錢包。
雖然錢包對消費者是免費的，但（錢包）供應(yīng)商對商家使用錢包要收費。
Server-side wallets provide assurance against merchant fraud because they use certificates to verify the identity of all parties. When a party makes a transaction, it presents its certificate to the other parties involved. A certificate is an attachment to an electronic message used to verify the identity of the party and to provide the receiver with the means to encode a reply.
Furthermore, the cardholder's sensitive data is typically housed at a financial institution, so there's an extra sense of security because financial environments generally provide the highest degree of security.
But even though wallets provide easy shopping online, adoption hasn't been widespread.
Standards are pivotal to the success of digital wallets.
數(shù)字錢包是一種能使用戶在Web網(wǎng)上支付貨款的軟件。它保存信用卡號碼和其它個人信息，如送貨地址。數(shù)據(jù)一旦被輸入，就自動轉(zhuǎn)移到商家網(wǎng)站的訂貨域。
使用數(shù)字錢包時，當(dāng)消費者購買物品時，不需要填寫每個站點上的訂單，因為信息已經(jīng)存儲了，并自動更新和進(jìn)入到廠商站點的訂貨域。消費者使用數(shù)字錢包時也能得到好處，因為他們的信息被加密了，即由私人軟件代碼加以保護(hù)。商家也避免了受騙而得到保護(hù)，也從中獲益。
對消費者來說，數(shù)字錢包是免費的，可以相當(dāng)容易得到。例如，當(dāng)消費者在建立了處理服務(wù)器端數(shù)字錢包的商家網(wǎng)站上購買東西時，他把其名字、付款額和送貨信息輸入到商家自己的表格中。在購買結(jié)束時，他被要求為他選擇的錢包簽上用戶名和今后購買時的口令。用戶也能從錢包供應(yīng)商的站點上得到錢包。
雖然錢包對消費者是免費的，但（錢包）供應(yīng)商對商家使用錢包要收費。