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(accessories)

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Statement)
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with
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resources management), (decision support
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$25 .

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31

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Newmark) ,
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thinking) .
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privacy). ,
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47

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56

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. ,
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. .
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800
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. , ,
.
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.
.
. .

60

27

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.
.. - . , .
, .
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. .
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.
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.. - .
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. 24
.
.
(=) .
61

(FedEx) .
.
, ,
. /
. 20 ,
, !
. ,
.
1998
(Application Programming Interface
Specifications) . ,
. , .
.
. !
.
.
, .
, .
. http://twitpay.com/
.
.
, , .
.
transaction terminal .
merchant. , , Itunes
. Itunes
.
Squareup (https://squareup.com/). :
http://www.youtube.com/watch?v=QSzsFAJAKHI&
feature=player_embedded
http://www.youtube.com/watch?v=3BP5ax1qs5o&
feature=player_embedded

. http://shopsavvy.mobi/ ,

62

,
., .
.
!

63

28

.
. ,
.
http://www.youtube.com/watch?v=ewJ-lpvWDEU
http://www.youtube.com/watch?v=jWi9hP725l8
.
15 , .
.
. ,
. .
(prepaid subscribers)
., /
.
. ,
.

.
.
, .
https://www.obopay.com/corporate/en_US/aboutUs.shtml
.
5 . 1,000
.
.
64

1,000 .
200
.

(PIN)
.
.


http://www.youtube.com/watch?v=YlJFPLObCUc

65

29

?
. ,
, . .
.
.
.
. 18% 80% .
2% 3% .
!
.
,
. .
, processors
.
, .
, 3 .
1. , (service reliability) .
2. ,
privacy).

(consumer

financial

3. , (Transactional accuracy).
, .
(transactional fees) . .

66

. ,
. .
, . ,
.
.
, .

.

67

30

,
.

. ,
. , .
.
, .
, ,
.
.
, 100 . ,
, .
, . 100
,

, .
.
:
1. (value guarantee)
2. (usage guarantee)
3. (geographic guarantee)
4. (exchange guarantee)

68

(travelers
cheques). .
. .
, ,
. .
. ,
.
(http://www.smartvoucher.com/uk/home.aspx)
RBS .
,
. , ,
.
.
.
. .
.
. : 19
. 19 ,

69

SMS ,, .
,
.
.
.
beenz, flooz, e-gold Idollars
.

70

31


. , ,
. / (, )
.
.,
. ,
( 10 ) .
. ,
.

.
. , ,
.
, .

71

1. ?
2. (hidden charges) ?
3. ?
4. ?
5. 365 x 24 ?
, .

72


. ,
. ,

. ,
. ,
. ,
.

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