Review A Local E-Commerce Site : JustSimpleDesign.com

Review A Local E-Commerce Site

JustSimpleDesign.com

JustSimpleDesign.com supplies web-sites to personal, companies, from small to medium sized enterprise. It is solid knowledge base, together with the proven ability to explain the Internet in simple terms has already led to appearances on internet.

At the main page, like the normal web designer did. 3 frames which 1 is at the top, 2 at the bottom but the right portion is wider than the left. As usual, on top of the frame put the company name together with its hyperlink which bring the users directly to the destination they wanted to surf. Left frame of the web page gives the company featured solutions, so that the client can be easily aware of what features are the company provides. Client login at the main page to convenient the client so login right away when they enter main page. Confidence from clients is the best return, that is why the featured client are in the main page as well. The purpose mostly is for the new comers to experience how is the company outcome looks like. The client might know the style of the company whenever they remember one of the featured client's portfolio. Sometimes it does gives good impression to the client from previous client web page. For example, whenever a new client ever checks out of mynews.com web page, the new client is indirectly introduced to JustSimpleDesign.com. Lastly, Live Support is provided in the web page on-line. Status has been giving out too to let the client know whether the support is still in the status of online. So that billing, sales and technical support can

The bottom right portion which is the main body posted up important message that most of the client will aware of. That is why the company brief introduction is posted up at that spot just to attract the client to read. Besides, Domain Name quick search is provided for those client who is interested to host their own domain and the following is the portion where they sells their features. Training or workshop that they conduct or host also will be posted at their webpage. Although the webpage looks simple but it sends a lot of informations to the clients.

Quicklinks also can be seen on top of the main page. Most of the links can be found in the main page features too. Among the all the quicklinks, clients and solutions can be considered the most important because the solutions are the products that the company going to sell to the customer and the clients link is about the supports that the clients to the company. Project portfolio is added to increase the confidence of the client.

This e-commerce webpage does not enquiry the clients to make payment over the web. The company requires the clients to provide details and personal particulars so that the company will contact the client for further information. The best part of this is the company does not need to bare more cost. Besides direct communication with the clients will get more familiar with the clients so that will cut down the gap in between plus the company will also get the requirement onto clients solutions more clearly.

Last but not least, the web page also provide FAQ (Frequently Ask Question) to answer guests' doubts. FAQ is the most common features that most of the company will provide.

Mobile Payment Systems in Malaysia: Its Potentials and Consumers’ Adoption Strategies

Mobile Payment Systems
Its Potentials and Consumers' Adoption Strategies

Mobile payments are payments made using mobile handsets and other devices, either to directly purchase or to authorize payment for goods and services. Such devices are playing an increasing and evolving role in the wider development of electronic payment systems around Asia Pacific.

The uses of mobile payment system are money transfers person-to-person (C2C) and to businesses (C2B), buying ring tones, concert tickets, taxi and parking payments, credit card/checking transfers, delivery/mobile business payments, music (content), gift cards.

Easy payment translates to larger sales and a greater instance of impulse purchasing. We all know that if you make the purchasing process easy and remove any thought of how much you are spending then the tendency is to spend more. Credit cards have been a boon to impulse spending. This has been a real plus for merchants as it has enabled the public to have a quick, easy, efficient and cashless way to make purchases. The move from cashless to cardless is the next logical step in payment evolution. The rise of the cell phone as a key piece of personal technology will continue to grow; its use as a payment device seems an inescapable and inevitable extension to its utility.

The payment industry and mobile phone manufacturers are looking to use near field communication (NFC) as the base technology. NFC technology is an extension of RFID that combines a smart card interface and reader into a single device. NFC in mobile phones is likely next in line in the evolution for mainstream payment systems. Long term, all phones will have a NFC chip built into the phone.

Maxis Communications Berhad is currently trialling a mobile phone multi-payment service incorporating credit card and prepaid transit payments with Maybank, Visa International and Touch ‘n Go. Maxis "Touch to Pay" employs Near Field Communications (“NFC”) technology which leverages on a short-range wireless connectivity standard embedded in mobile phones.

Maxis also plans to offer a special user interface that offers an array of functionalities which will allow customers payment details, credit balance and recent transactions on the mobile phone screen at any point in time. Upon successful completion of the ‘touch to pay’ trial and commercial roll out next year, Maxis also plans to expand the NFC application in the area of “service discovery”, which will enable mobile phones to read “smart posters” implanted with Radio Frequency Identification (“RFID”) Tag. This will open up a new information channel for customers to gain access to bus routes and timetables, special offers and coupons at selected retail outlets.

Electronic Currency : PayLoadz

PayLoadz gives opportunity for users to sell and buy their products on the internet effectively. The system works in conjunction with PayPal or Google Checkout to provide the users to sell a digital product the platform to do so. It is especially useful to merchants wanting to sell their goods to customers right from their own web site or in online auctions. Any electronic product that can be downloaded can be marketed at PayLoadz. This includes video, audio, eBooks and software. No special programming or server requirements needed - just cut and paste the HTML code that is provided.

The way PayLoadz works is like this. When the buyer click on the product they like on the internet. After that a window will prompt out asking for the user's PayPal or Google Checkout Username and Password. If they do not have an account, they will be given the opportunity to create one or to check out without creating an account using a credit card or bank account as their funding source.After the payment process successfully made, the PayPal or Google Checkout server communicates with the PayLoadz server and provides the transaction details to the system. After that, an email which contains custom “thank you” text that the users specify during the product creation process, and a link for users to download their product. Or they are redirected to the download page, immediately after payment, that provides them instant access to the purchase. After the whole process is done, the users will receive a notification of payment through the mail.

By using PayLoadz, users can enjoy:

• Access to international markets
• the differences between physical trades and trading via internet is, the products can be exhibited to the world at one time. It means that the products can be introduced through the internet whenever the internet users drop by or found the item that the seller is posted and at the same time, there can be a lot of users around the world are viewing the items posted.
  
• Quick and easy implementation
• by using the Electronic Currency, the trades can be easily done. In this case, if using PayLoadz is used. Just need to register the PayLoadz account and PayPal or Google Checkout to guarantee the transactions.
  

Credit Card Debts: Causes and Prevention

Credit Card Debts

Causes and Prevention

What is credit card? A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card allows consumers to purchase products or services without cash and to pay for them at a later date. To qualify for this type of credit, the consumer must open an account with a bank or company, which sponsors a card.

If you have credit cards, but have not yet let your spending get out of hand, then now is the time to take stock of your position and make some decisions about your financial future. Ask yourself what do you want those credit cards for? Do you just want them so that you have a source of payment in emergencies, to shop occasionally online, or when you travel abroad? Or do you plan on going on a shopping spree and spending the rest of the year struggling to clear the balance? Most people do not intend to ever use up their credit limits and max out their credit cards, but it is surprisingly easy to do, and can be very difficult to undo.

Most of the credit card users only pay the interest and the minimum amount of principal when the debt is due, thus never fully repaying the entire sum. This is one of the major factor credit card debts cause.

Some of the credit card users don't know where they spend or spending without plan or budget. This is because they have credit cards with them so they can spend easily without thinking. When they come to pay the credit card debts, they will face difficulty to pay back and feel regret because they spend so much in the begining.

Prevention

Credit card users must manage their finance well. Try to set a budget for the monthly spending on credit card. Credit card users must know the interest rate charge by the credit card company. Don't always pay for the minimum payment only, try to pay all the balance in the credit card statements.

Next, credit card users have to pay the balance on time every month to avoid the credit card company charge high interest on the balance. Credit card users also must use the credit card like cash, not like a credit card. Always use credit card according to the budget that have set every month.

All of this will help credit card users to prevent from the credit card debts increase and get charge high interest on the balance.

Phishing: Examples and Its Prevention Methods

Phishing

Examples and Its Prevention Methods

Phishing is a scam in which the attacker sends an email purporting to be from a valid financial or eCommerce provider. Identity thieves and other criminals often use "phishing" scams, one of the fastest growing internet crimes, to steal personal information from a vast number of people. Phishing attacks use 'spoofed' e-mails and fraudulent websites designed to fool recipients into divulging personal financial data such as credit card numbers, account usernames and passwords, social security numbers.

The following are examples of what a phishing scam e-mail message might look like:

How to Prevent ?
There are some ways to help us to prevent phishing scam. Firstly, never click on the links in email messages. It can be extremely difficult to identify which are legitimate and which are spoofed. Go directly to the website of your financial institution and log in as usual. If there is a need to update some information, you will be informed when you log in.

Secondly, review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If our credit cards are being used by other people, we will see the amount in the bank statement.

Thirdly, we should always be skeptical. Most legitimate companies do not send requests to update our information. Those that make these requests are finding that most people are suspicious and ignore the request.

Fourthly, use anti-virus software and a firewall, and keep them up to date. Besides that, don’t email personal or financial information. This is because; other people can hack our email and take information from there.

Finally, in order to avoid this e-mail to ever land in your inbox you need to use a phishing filter. One of the most common ones at the moment is the Bayesian Filter that allows you to blacklist or white list certain individuals. It also easily integrates to popular email clients such as MS outlook.