Online Goods and Services Topic 4

Online Goods and Services Topic 4

1. local storage

   • your files are stored on the digital device you are using
   • advantages: you have control over the access of your files and the security of data, data can be accessed quickly and you do not need an internet access.
   • disadvantages: you have to back up your data, you have responsibility of keeping your data safe and its difficult to share your data.

2. commercial response to SaaS

   • hosted software or 'software as a service' SaaS is when you run application in a web browser. (the applications are not installed on the computer.)
   • commercial software producers such as Microsoft make money by selling software applications such as 'word'
   • some like Google docks are available for free
   • producers respond to SaaS by making their products more appealing and have better qualities.
   • companies also need to provide technical support, provide software 'bundled' in when you by a computer.

3. payment systems

   • online bank transfer.
     • customers can make online payments directly from there account
     • online banks keep customers safe by checking bank detals, providing secure and encrypted web services and having a user login/pin.
   • online coupon/ eVouchers
     • these can be sent electronically by email or printed of and posted.
     • to redeem these offers the receiver creates an account and enters the unique reference number given on the coupon.
   • third party payments possessors.
     • they are a trusted organisation who stand between the customers and the retailers so payments are not made directly.
     • the buyer creates an account with a third party processor in which they enter details of their credit or debit card. this information is never shared with retailers. the buying pays the third party who hold the money until the payment is authorised. then the third party transfers it to the seller.
     • asvantages is that the sellers do not need to pay to offer a secure website and buyers are not exposed to fraud.
   • Near field communication (NFC)
     • its a contactless payment service that allows devices to communicate which are close together.
     • NFC is used to make payments with cards and now some mobile phones.
     • advantages include: good security due to short transmission range, losing the NFC only uses the credit in the account., convenience of not having to enter payment details.
     • disadvantages include, you can only pay fpr small amounts, need to protect against accidental payments, if lost anyome can use the credit.
   • credit/debit card
     • debit cards allow the customers py taking money directly out of there accounts.
     • credit cards allow the customers to borrow money. the customers pay the money back at a latter date often with interest.
   • buying and selling online needs a secure payment system. the credit card verification CCV code is the number on the back of the card which is not encluded on the magnetic strip or stipe.

4. application software

   • its software used to carry out a particular task e.g a game or a word prossessor
   • there are 2 types of application software, locally installed software and hosted software
   • locally installed software
     • users obtain software on DVD and then install this on their computer
     • disadvantages: it takes up large amount of file space, must download and installed upgrades and all data must be backed up.
     • advantages: works with out being online you hold the licence to use the software, you control access
   • hosted software
     • users log in through the internet to use software when its needed. software runs on a web server over the internet.
     • advantages: software doesn't take up any file space on your computer, allows users from different parts of the world to work on the same document at the same time.
     • disadvantages: it can not work with out an internet connection, not as secure, response time depends on network speed.
   • proprietary software is developed by a company. you usually have to pay to use It on your computer or online.
   • open source software is developed by volunteer who gradually improve it. it is free to use on your computer.

5. consumer protection

   • consumer rights UK Law
     • when you buy something, that item must be of satisfactory quality, fit for purpose and as described.
     • if the item is faulty it has to be replaced, repaired of the money refunded.
   • shopping online
     • if you buy online from a UK based retailer then you have the same rights buying online as you do buying in a shop
     • this means that you can return faulty Items just like you would in a shop.
   • cooling off period
     • orders placed online can be cancelled for any reason for up to seven working days after receiving the item and a refund will be made.
     • there are some restrictions that reply such as the DVD seal has been broken or food and followers.

6. online storage

   • advantages: data is available any where but you need internet access, some online sites are free, your data is backed up for you and your files are easy to share.
   • disadvantages: the online storage may not be reliable, you have less control over your data and you need an internet connection to access it.
   • your files are stored on a server elsewhere which you access using the internet. this is referred to as the cloud