電子商務中英對照E-commerceChapter11匯編

1、Chapter 11Payment Systems for Electronic Commerce電子商務(din z shn w)支付系統(tǒng)共九十五頁2Learning ObjectivesThe basic functions of online payment systems在線(zi xin)支付系統(tǒng)的基本功能The use of payment cards in electronic commerce電子商務支付卡的使用The history and future of electronic cash電子現(xiàn)金的歷史和未來共九十五頁3Learning ObjectivesHow elec

2、tronic wallets work電子錢包是如何工作的The use of stored-value cards in electronic commerce電子商務儲值卡的使用(shyng)Internet technologies and the banking industry互聯(lián)網(wǎng)技術(shù)和銀行業(yè)共九十五頁Online Payment Basics在線(zi xin)支付的基本知識Online payment systems在線支付系統(tǒng)Still evolving正在發(fā)展Cheaper than mailing paper checks比郵寄紙質(zhì)支票便宜Convenient for c

3、ustomers方便用戶 Save companies money為公司(n s)省錢共九十五頁Online Payment Basics在線(zi xin)支付的基本知識Four ways to purchase items (traditional and electronic)傳統(tǒng)以及電子商務支付最常用的方式：Cash, checks, credit cards, debit cards現(xiàn)金、支票(zhbio)、信用卡、借記卡90% of all United States consumer payments90%的美國消費者使用的支付方式共九十五頁Online Payment Basi

4、cs在線(zi xin)支付的基本知識Electronic transfer: small but growing segment電子轉(zhuǎn)賬:比例小，但正在不斷(bdun)增長Popular example: automated payments例子:保險自動續(xù)費共九十五頁美國消費者的支付(zhf)形式（預測）共九十五頁Online Payment Basics在線(zi xin)支付的基本知識Costs per billBilling by mail: between $1.00 and $1.50賬單郵寄(yuj):1.00美元和1.50美元之間Internet billing and pa

5、yment costs: 50 cents網(wǎng)絡計費和支付費用:50美分Significant environmental impact重大環(huán)境影響共九十五頁Online Payment Basics在線(zi xin)支付的基本知識Online business payment requirements用戶對網(wǎng)上商務支付的要求Safe, convenient, widely accepted安全,方便(fngbin),被廣泛接受Which choice work the best for both sides哪個支付方式同時對公司和用戶都有利共九十五頁Online Payment Basics

6、在線(zi xin)支付的基本知識Four different payment technologies4種不同(b tn)的支付方式:Payment cardElectronic cashSoftware walletsSmart-cards (stored-value card)共九十五頁Payment Cards支付卡Payment cardDescribes all types of plastic cards used to make purchases各種用來購物的塑料卡片(kpin)Categories: credit cards, debit cards, charge car

7、ds, prepaid cards, gift cards類別：信用卡、借記卡、簽賬卡、預付卡、禮品卡共九十五頁Payment Cards支付卡1. Credit card (Visa, MasterCard) 信用卡Spending limit based on users credit history持卡人可在信用額度( d)內(nèi)先消費，后還款的卡。Pay off entire credit card balance可一次性支付，也可每月只支付最低金額共九十五頁Payment Cards支付卡Card issuers charge unpaid balance interest信用卡發(fā)卡銀行

8、對沒有(mi yu)付的余額收取利息費Widely accepted被接納程度高共九十五頁Payment Cards支付卡2. Debit card 借記卡Removes sales amount from cardholders bank account 將金額從持卡人的銀行(ynhng)賬戶轉(zhuǎn)出Transfers sales amount to sellers bank將銷售金額轉(zhuǎn)移到賣方的銀行賬戶先存款后消費（或取現(xiàn)）沒有透支功能的銀行卡。共九十五頁Payment Cards支付卡3. Charge card (American Express) 簽帳卡No spending limit

9、沒有支出限制Entire amount due at end of billing period全部金額在計費(j fi)周期結(jié)束時結(jié)算No line of credit or interest charges沒有信用額度或利息共九十五頁Payment Cards支付卡4. Prepaid cards 預付卡指發(fā)卡機構(gòu)以特定載體和形式發(fā)行的，可在發(fā)卡機構(gòu)之外購買商品或服務的預付價值(jizh)具體表現(xiàn)為購物券或消費卡共九十五頁Payment Cards支付卡5. Gift card 禮品卡類似于預付卡的一種(y zhn)形式，只能在發(fā)行行指定的范圍使用不同的商店有自己的禮品卡， 客戶購買以送禮

10、為用途共九十五頁Payment Cards支付卡Single-use cards 一次性卡Cards with disposable numbers有一次性號碼(hom)的卡Addresses concern of giving online vendors payment card numbers適合擔心給供應商卡號的用戶Valid for one transaction only有效期為一項交易共九十五頁Payment Cards支付卡Single-use cards 一次性卡Designed to prevent unscrupulous vendor fraud 旨在防止不法廠商欺詐W

11、ithdrawn from the market撤出市場(shchng)Problem: required different consumer behavior問題:需要不同的消費行為共九十五頁Advantages of Payment Cards支付卡的優(yōu)點(yudin)Advantage for merchants 對于商戶的優(yōu)勢(yush)Fraud protection欺詐保護Can authenticate and authorize purchases using a payment card processing network可以通過網(wǎng)絡鑒定和授權(quán)訂單的支付共九十五頁Adva

12、ntages of Payment Cards支付卡的優(yōu)點(yudin)Advantage for U.S. consumers對于個人(grn)消費者的優(yōu)勢Liability of fraudulent card use: $50欺詐責任卡使用:50美元Frequently waived if card stolen如果卡被盜并用來購物，發(fā)卡行免收50美元共九十五頁Advantages of Payment Cards支付卡的優(yōu)點(yudin)Greatest advantage最大優(yōu)勢 Worldwide acceptance在全球(qunqi)范圍內(nèi)被接受Currency convers

13、ion handled by card issuer貨幣轉(zhuǎn)換由支付卡發(fā)行商處理共九十五頁Disadvantages of Payment Cards支付卡的缺點(qudin)Disadvantage for merchants對于(duy)商家的缺點Per-transaction fees, monthly processing fees每筆交易收取手續(xù)費或月費Viewed as cost of doing business但是不接受卡支付又會失去一批客人共九十五頁Disadvantages of Payment Cards支付卡的缺點(qudin)Disadvantage for consu

14、mers對于消費者的缺點(qudin)Annual fee 年費Provide built-in security for merchants為商家提供內(nèi)置的安全Assurance of payments支付的保險共九十五頁Payment Acceptance and Processing支付(zhf)的接受、處理過程Processing a payment card online involves two processes網(wǎng)上處理支付卡主要(zhyo)涉及兩個過程：Acceptance of the payment確?？ㄓ行В闯?. Clearing the transaction把資

15、金從支付行轉(zhuǎn)到收款行共九十五頁General steps in payment card transactions 一般支付卡的交易步驟1.Merchant receives consumers payment card information商家(shn ji)收到消費者的支付卡信息Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁2.Merchant authenticates payment card to ensure validity商人對支付卡進行身份驗證,以確保(qubo)有效性3.Merchant checks with

16、payment card issuer to ensure credit or funds available商人與支付卡發(fā)行商檢查,確保信譽或資金Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁4.Settlement occurs (few days after purchase)結(jié)算確認(qurn)(購物后的幾天)5.Funds travel between banks銀行間的資金轉(zhuǎn)移Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Open and closed loop

17、systems開放和閉環(huán)系統(tǒng)1. Closed loop systems 閉環(huán)系統(tǒng)Card issuer pays merchant directly卡發(fā)行商直接支付商人Does not use intermediary不使用(shyng)中介Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁2. Open loop systems 開環(huán)系統(tǒng)Third party (intermediary bank) processes transaction第三方(中介(zhngji)銀行)處理交易Credit card associations:

18、operated by association member banks信用卡關(guān)聯(lián):由協(xié)會會員銀行Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Merchant accounts商業(yè)帳戶(zhn h) Merchant bank (acquiring bank)商業(yè)銀行(收單銀行)Bank wanting to accept payment cards想要接受支付卡付款企業(yè)Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Merchant account required to

19、process Internet transactions payment cards商家(shn ji)帳戶需要處理網(wǎng)上支付卡交易Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Obtaining account 獲得賬戶Merchant provides business information商人提供業(yè)務信息Bank assesses business type risk銀行(ynhng)風險評估業(yè)務類型Bank assesses percentage of sales likely to be contested銀行評估可能會有

20、爭議的銷售比例Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Chargeback process退款流程Cardholder successfully contests charge持卡人對費用(fi yong)爭辯成功Merchant bank must retrieve money from merchant account商業(yè)銀行必須從商業(yè)賬戶取回資金Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁Problem facing online businesses: fra

21、ud在線商務面臨的問題(wnt):欺詐15 percent of all credit card transactions completed online15%的信用卡交易在網(wǎng)上完成Responsible for 64 percent of total dollar amount of credit card fraud占了信用卡詐騙總金額的70%Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁36Antifraud:Shipping only to card billing address只郵寄到賬單地址(dzh)Requiring

22、 card verification numbers (CVNs) for card not present transactions需要信用卡驗證碼交易Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁37CVN卡片(kpin)校驗碼Three- or four-digit number printed on the credit card印在信用卡后的三或四位數(shù)字Not encoded in the cards magnetic strip不在卡的磁條上編碼Payment Acceptance and Processing支付(zhf

23、)的接受、處理過程共九十五頁38Payment Acceptance and Processing支付(zhf)的接受、處理過程共九十五頁FIGURE 11-3 Processing a payment card transaction共九十五頁4.信用卡支付(zhf)流程SET共九十五頁Electronic Cash電子(dinz)現(xiàn)金Electronic cash (e-cash)電子現(xiàn)金是一種用數(shù)字信息模擬現(xiàn)金的技術(shù)。通過互聯(lián)網(wǎng)流通。但比現(xiàn)實貨幣更加(gnji)方便、經(jīng)濟。它最簡單的形式包括三個主體：商家，用戶，銀行適用于那些通過網(wǎng)絡進行支付的小額交易。共九十五頁42Electronic

24、 Cash電子(dinz)現(xiàn)金電子現(xiàn)金的特點(tdin)：1、銀行和商家之間應有協(xié)議和授權(quán)關(guān)系。2、用戶、商家和E-cash銀行都需要使用E-cash軟件。3、 E-cash銀行負責用戶和商家之間資金的轉(zhuǎn)移。4、電子現(xiàn)金對使用者來說都是匿名的，使用電子現(xiàn)金消費可以保護使用者的信息共九十五頁Electronic Cash電子(dinz)現(xiàn)金電子現(xiàn)金支付方式存在的問題只有少數(shù)(shosh)商家接受電子現(xiàn)金。成本較高。電子現(xiàn)金對于硬件和軟件的技術(shù)要求都較高，需要一個大型的數(shù)據(jù)庫存儲用戶完成的交易和E-Cash序列號以防止重復消費。共九十五頁Electronic Cash電子(dinz)現(xiàn)金存在貨幣兌

25、換問題。由于電子貨幣仍以傳統(tǒng)(chuntng)的貨幣體系為基礎(chǔ)，從事跨國貿(mào)易就必須要使用特殊的兌換軟件。風險較大。如果某個用戶的硬驅(qū)損壞，電子現(xiàn)金丟失，錢就無法恢復，這個風險許多消費者都不愿承擔。共九十五頁Electronic Wallets電子(dinz)錢包Consumer concerns when shopping online消費者在網(wǎng)上購物(u w)時的擔憂Entering detailed shipping and輸入詳細的送貨地址Payment information for each online purchase每次付款都要輸入付款信息共九十五頁Electronic Wal

26、lets電子(dinz)錢包Solution 解決(jiju)Allows customer to store name, address, credit card information on the site允許客戶存儲姓名、地址、信用卡信息Problem 問題Consumers must enter information at each site消費者必須在每個站點輸入信息共九十五頁Electronic Wallets電子(dinz)錢包Electronic wallet (e-wallet)電子(dinz)錢包，可存放信用卡、電子(dinz)現(xiàn)金、所有者的身份證書、所有者地址以及在電

27、子(dinz)商務網(wǎng)站的收款臺上所需的其他信息。電子錢包提高了購物的效率。消費者選好要采購的商品時，可立即點擊自己的錢包，從而加速了訂購的過程。共九十五頁Electronic Wallets電子(dinz)錢包電子錢包適于小額購物。使用(shyng)電子錢包購物通常需要在電子錢包服務系統(tǒng)中進行。電子商務活動中電子錢包的軟件通常都是免費提供的。共九十五頁Electronic Wallets電子(dinz)錢包電子錢包有兩種概念：1. 純粹(chncu)的軟件，主要用于網(wǎng)上消費、帳戶管理，這類軟件通常與銀行賬戶或銀行卡賬戶是連接在一起的。共九十五頁Electronic Wallets電子(dinz

28、)錢包電子(dinz)錢包有兩種概念：2. 小額支付的智能儲值卡，持卡人預先在卡中存入一定的金額，交易時直接從儲值帳戶中扣除交易金額。共九十五頁Stored-Value Cards儲值卡儲值卡 (Value Card)是發(fā)卡銀行或者(huzh)其他經(jīng)銀行認可有權(quán)發(fā)卡的企業(yè)單位,根據(jù)持卡人要求將其資金轉(zhuǎn)至內(nèi)儲存，交易時直接從卡內(nèi)扣款的預付錢包式借記卡用以支付小額花費，消費者需先向業(yè)者購買一定金額之儲值卡，所以消費者是先付款后消費共九十五頁Stored-Value Cards儲值卡儲值卡 (Value Card) 兩種：1. 磁條卡：磁卡是一種卡片(kpin)狀的磁性記錄介質(zhì)，利用磁性載體記錄字符

29、與數(shù)字信息，用來標識身份或其它用途。共九十五頁Stored-Value Cards儲值卡優(yōu)點：讀寫方便、成本低廉，容易推廣。缺點：容易磨損和被其他磁場干擾，作為銀行卡，其安全性相對(xingdu)較差。生活中很多人都遇到過磁條多次使用后失效、或是被鑰匙等硬物劃傷磁條的困擾。共九十五頁Stored-Value Cards儲值卡2. 芯片卡又稱IC卡，是指以芯片作為交易介質(zhì)的卡。芯片卡不僅支持借貸(jidi)記、電子現(xiàn)金、電子錢包、脫機支付、快速支付等多項金融應用， 共九十五頁Stored-Value Cards儲值卡優(yōu)點：1、存儲容量大。磁卡的存儲容量大約在200個字符；IC卡的存儲容量根據(jù)型號

30、不同，小的幾百個字符，大的上百萬個字符。2、安全保密性好，不容易被復制，IC卡上的信息能夠(nnggu)隨意讀取、修改、擦除，但都需要密碼。共九十五頁Stored-Value Cards儲值卡優(yōu)點：3、CPU卡具有數(shù)據(jù)處理能力。在與讀卡器進行數(shù)據(jù)交換時，可對數(shù)據(jù)進行加密、解密，以確保(qubo)交換數(shù)據(jù)的準確可靠；而磁卡則無此功能4、使用壽命長，可以重復充值。共九十五頁Stored-Value Cards儲值卡5、IC卡具有防磁、防靜電、防機械損壞和防化學破壞等能力，信息保存年限長，讀寫次數(shù)在數(shù)萬次以上。6、IC卡能廣泛應用于金融、電信、交通、商貿(mào)、社保、稅收、醫(yī)療(ylio)、保險等方面，幾

31、乎涵蓋所有的公共事業(yè)領(lǐng)域。共九十五頁Stored-Value Cards儲值卡缺點IC卡的缺點是制造(zhzo)成本高。共九十五頁Internet Technologies and the Banking Industry互聯(lián)網(wǎng)技術(shù)(jsh)和銀行業(yè)Paper checks紙質(zhì)支票Largest dollar volume of payments支付中占比例最大的還是紙質(zhì)支票Processed through worlds banking system通過(tnggu)全球銀行系統(tǒng)處理共九十五頁Internet Technologies and the Banking Industry互聯(lián)網(wǎng)技

32、術(shù)(jsh)和銀行業(yè)Other major payment forms其他主要的付款方式Involve banks one way or another也從一個或者(huzh)多個方面參與了銀行的環(huán)節(jié)共九十五頁Internet Technologies and the Banking Industry互聯(lián)網(wǎng)技術(shù)(jsh)和銀行業(yè)Banking industry Internet technologies銀行業(yè)互聯(lián)網(wǎng)技術(shù)(jsh)Providing new tools互聯(lián)網(wǎng)科技提供新的工具Creating new threats創(chuàng)建新的威脅共九十五頁Check Processing支票(zhbi

33、o)處理Old method of physical check processing舊時的物理的支票處理Person wrote check; retailer deposited check in bank account人寫支票;零售商支票存入(cn r)銀行賬戶Retailers bank sent paper check to clearinghouse零售商的銀行發(fā)送紙質(zhì)支票到清算所共九十五頁Check Processing支票(zhbio)處理Clearinghouse managed fund transfer 清算所處理(chl)資金轉(zhuǎn)移 (客戶者的銀行轉(zhuǎn)移到零售商的賬戶)P

34、aper check transported to consumers bank紙質(zhì)支票運往客戶的銀行Send cancelled check to consumer把支票寄給客戶共九十五頁Check Processing支票(zhbio)處理Banks now use PDF images of processed checks 現(xiàn)在銀行提供PDF的圖像處理支票節(jié)省郵寄(yuj)的費用和耗時共九十五頁Check Processing支票(zhbio)處理Disadvantage of paper checks 紙質(zhì)支票的缺點1. Cost of transporting tons of pa

35、per checks運輸上噸的紙質(zhì)支票的費用很高郵寄(yuj)紙質(zhì)支票的郵費共九十五頁Check Processing支票(zhbio)處理2. Float 浮動(fdng)Delay between the time person writes check and the time check clears persons bank寫好支票與支票清算之間的時間延遲共九十五頁Check Processing支票(zhbio)處理Banks customer obtains free use of funds for few days銀行的客戶利用(lyng)這個延遲可以免費使用資金B(yǎng)ank l

36、oses use of funds for same time period銀行同一時期失去了使用資金Can become significantly longer than a few days也可能比幾天時間更長共九十五頁Check Processing支票(zhbio)處理Technologies helping banks reduce float幫助銀行減少浮動的技術(shù)Check 21-compliant worldRetailer scans customers check零售商掃描客戶的支票Scanned image transmitted instantly掃描圖像(t xin)

37、通過清算系統(tǒng)立即傳輸Posts almost immediately to both accounts 在兩方賬號幾乎同時發(fā)布共九十五頁Check Processing支票(zhbio)處理電子支票將紙質(zhì)支票改變?yōu)閹в袛?shù)字簽名的電子報文，或利用其它數(shù)字電文代替(dit)紙質(zhì)支票的全部信息。 電子支票與紙質(zhì)支票一樣是用于支付的一種合法方式，它使用數(shù)字簽名和自動驗證技術(shù)來確定其合法性。電子支票非常適合大額結(jié)算共九十五頁70Mobile Banking手機(shu j)銀行Banks exploring mobile commerce potential銀行探索移動商務的潛力2009: banks

38、launched sites allowing customers using smart phones to:2009:銀行推出了網(wǎng)站，允許用戶使用智能手機：獲得銀行存款結(jié)余,查看賬單,發(fā)現(xiàn)(fxin)附近的自動取款機共九十五頁71Mobile Banking手機(shu j)銀行Future plans 未來計劃Offering downloadable applications smart phone users can install 提供給智能手機用戶可以安裝下載的應用程序Use to transact all types of banking business用來處理所有(suyu

39、)類型的銀行業(yè)務共九十五頁72Criminal Activity and Payment Systems犯罪活動和支付(zhf)系統(tǒng)Online payment systems 在線支付系統(tǒng)Offer criminals and criminal enterprises an attractive arena in which to operate提供給罪犯和犯罪集團一個有吸引力的領(lǐng)域Average consumers: easy prey普通(ptng)消費者:簡單的獵物大量的金錢通過支付系統(tǒng)交易，使支付系統(tǒng)成為一個誘人的目標共九十五頁73Criminal Activity and Paym

40、ent Systems犯罪活動和支付(zhf)系統(tǒng)Phishing expedition 釣魚網(wǎng)站Technique for committing fraud against online businesses customers對網(wǎng)絡業(yè)務(yw)客戶進行欺詐行為的技術(shù)Particular concern to financial institutions金融機構(gòu)特別關(guān)注共九十五頁Phishing Attacks網(wǎng)絡(wnglu)釣魚攻擊Basic structure基本結(jié)構(gòu)Attacker sends e-mail message攻擊者發(fā)送電子郵件消息To accounts with pot

41、ential for an account at targeted Web site發(fā)送給: 有可能在目標(mbio)網(wǎng)站有賬戶的用戶共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊Basic structure基本結(jié)構(gòu)E-mail message tells recipient: account compromised郵件告訴收件人:帳戶(zhn h)出現(xiàn)問題Recipient must log on to account to correct problem收件人必須登錄以解決賬戶問題共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊Basic str

42、ucture基本結(jié)構(gòu)E-mail message includes link郵件包含(bohn)鏈接Appears to be Web site login page 看上去好像是網(wǎng)站登錄頁面Actually leads to perpetrators Web site disguised to look like the targeted Web site實際上指向犯罪者偽裝的像目標網(wǎng)站的 網(wǎng)站共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊Basic structure Recipient enters login name, password收件人輸入登錄名,密碼Us

43、es to access recipients account犯罪者捕獲(bhu)獵物，用以登陸收件人的賬戶Perpetrator accesses personal information, purchases, withdraws 犯罪者訪問個人信息，購物，提取資金共九十五頁共九十五頁共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊Spear phishing 魚叉式網(wǎng)絡(wnglu)釣魚Carefully designed phishing expedition targeting a particular person or organization精心設(shè)計的網(wǎng)絡網(wǎng)

44、站(針對一個特定的個人或組織)Requires considerable research需要相當多的研究共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊Spear phishing 魚叉式網(wǎng)絡釣魚Increases chance of e-mail being opened增加(zngji)電子郵件被打開的機會共九十五頁Phishing Attacks網(wǎng)絡(wnglu)釣魚攻擊E-mail link disguises and tricks電子郵件(din z yu jin)鏈接偽裝和技巧Example: Web server ignores all characters

45、 preceding “”:網(wǎng)絡服務器會忽略所有“”前的字符88/fl/login.html假的網(wǎng)站看不見的JavaScript腳本代碼共九十五頁Phishing Attacks網(wǎng)絡釣魚(dio y)攻擊E-mail link disguises and tricksPop-up windows 彈出窗口(chungku)Look exactly like browser address bar看起來和瀏覽器地址欄很像Including graphics of financial institutions 包括金融機構(gòu)網(wǎng)站的圖形Looks more convincing看起來更有說服力共九十五

46、頁Using Phishing Attacks for Identity Theft用釣魚(dio y)網(wǎng)站盜用身份Organized crime (racketeering) 有組織犯罪(詐騙(zhpin)非法活動由有高度組織的犯罪集團引導Internet providing new criminal activity opportunities互聯(lián)網(wǎng)提供了新的犯罪活動的機會Generates spam, phishing, identity theft生成垃圾郵件,網(wǎng)絡釣魚,身份盜竊共九十五頁Identity theft 身份盜用Criminal act: perpetrator gath

47、ers personal information 犯罪行為:犯罪者收集受害者的個人信息Uses information to obtain credit使用信息(xnx)來獲得信貸犯罪者迅速形成賬戶費用和消失Using Phishing Attacks for Identity Theft用釣魚(dio y)網(wǎng)站盜用身份共九十五頁FIGURE 11-7 Types of personal information most useful to identity thieves共九十五頁Two elements in phishing 釣魚網(wǎng)站兩個元素(yun s)1. Collectors: collect information收集者:收集信息2. Cashers: use information 兌現(xiàn)者:使用信息Require different skills犯罪組織促進兩者間的交易，增加釣魚效率和數(shù)量Using Phishing Attacks for Identit