Online Shopping Notes

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How to shop online:

To shop online you need:

Computer

Internet access

A secure website

Personal details

A payment method

Before typing your card

details check the address bar for a small padlock symbol or the web address

beginning with https:// (the ‘s’ stands for secure).

Use familiar websites that

you know or ones that have been recommended by friends and family.

Do not click on websites you

are unsure of as there could be hackers or virus’ on it.

Only make an account if you

are going to buy off of the website often.

When you make a card

transaction online you should never be asked for your pin number or banking

password.

If you buy something online

that's worth more than £100, then it's best to use a credit card rather than a

debit card. This is because if you spend more than £100 on your credit card,

you have legal rights under Section 75 of the Consumer Credit Act.

You get similar protection -

from something called 'chargeback' - for purchases of under £100. This applies

whether you paid by debit or credit card.

Under ‘consumer contract

regulations', you may be entitled to a full refund for certain goods if you

decide - within 14 days of receiving your items - that you want to return them.

And, in some cases, you may be entitled to a refund from the seller if your

items don't arrive within a reasonable time period (usually 30 days).

To make a password secure use

a combination of upper and lowercase letters, numbers and symbols. Have 8-16

characters altogether so that it makes it slightly harder for people to guess

or hack.

Always log out of sites into

which you have logged in or registered details. Simply closing your browser is

not enough to ensure privacy.

Some websites will ask you to

verify what is in the box for extra security. This is to make sure you are not

a robot.

You do not want the computer

to remember your password. It can allow anyone to simply go on the computer and

access all information on that site. If you click ‘remember password’ you will

not have to re – enter your password when you decide to go on the website

again.

Payments:

Steps involved with making

a payment online:

Browsing through an

online catalogue

Adding items to a

virtual basket

Visiting a virtual

checkout

Choosing a payment

Shipping

confirmation

Dont enter details

if * isnt there

Methods of payment:

Debit card –

straight to bank account

Credit card – isnt

connected to your bank account

Paypal – 3rd

party processor

Advantages of payment

methods:

Using a credit card

allows you to claim compensation from the credit card company if the product

youre buying is faulty

When using credit

card if the company you buy the item from goes bust you can claim your money

back

If you don’t have

enough money in your bank to buy a specific item you cannot buy it using debit

card

Disadvantages:

Using credit cards

can lead to debt as the longer you can take to pay back the more interest you

have to pay

How to be safe when

buying online:

When buying items

online check the website is secure

Keep all of your

software up to date to ensure that you don’t buy from a site that has recently

been deemed not secure

Verified by visa

protects you card against unauthorised transactions and will only be authorised

when you enter a password on the website

Extra protection from

banks:

Cvv or cvc us the last

3 digits on the back of your card

Encryption:

Scrambling data so

it cannot be stolen online. Only can be deciphered by the person or company

that has the encryption key.

SSL - secure sockets layer

is the security used to encrypt a link between a web server and browser which

ensures the transactions are private and safe.

CCV – credit card

verification is the 3 digit number at the end of your credit card. Ensures that

the use of the credit card is legitimate.

Legislation:

People who keep the data must protect it according to the law.

The data must be used only for the purpose it was provided.

Organisations should not ensure that the data is secure and kept up to date.

The data should not be kept longer than is necessary.

Organisations should respect the personal rights of the people who's data they are processing - the 'data subjects.

The data should not be shared to other users in a country outside of Europe unless that country has similar laws to safeguard the data.

The data should be kept private.

Organisations should ensure that the data is secure and kept up to date.

Small print - privacy policy - terms and conditions

1) The computer misuse act: piracy, hacking, viruses, fraud

2) Copyright designs and patents act

3) Digital economy act - to stop illegal downloads.

The person about whom personal data is being collected is called a data subject.

A person within an organisation who accesses and uses personal data is called a data user.

Personal data can only be transferred to countries within the EU is false.

Security:

Risks to data -

Could be lost or damaged.

Lost by accident erasing/deleting.

Corrupted by computer viruses and damaged from this.

Destroyed by natural disasters, terrorism or war.

Your data might be lost or damaged through a system crash, especially if it affects the hard drive.

It could also be corrupted from faulty disks, disk drives or power failures or lost by accidentally deleting or overwriting.

Hacked by unauthorised users and could be deleted or altered.

Protection - Log out of accounts, don't log on to sites using shared computers or free wifi.

Advantages and disadvantages of online shopping from the point of view of the shop:

Advantages:

Reduced long - term costs

Being open for business 24/7

Increased visibility for your business

Competitors

Instant payment by customer

Don't need costly high street shop and staff

Can change prices, offers and display very quickly to keep up with competition

Increased market - customers could be anywhere

Disadvantages:

Cost

Staff

Fraud

Need a website

Need experienced web staff

If website goes down then no sale

Need a web host

Security certificate/secure socket layer

Should a company consider creating an online store?

According to Cambridge, mass - based technology and market research company, companies should defiantly consider creating or becoming a online store if they are selling well in a high street store. This is because online stores can make your retail sales grown to an estimate of 12.6% in the US alone.

According to research on numerous websites. most entrepreneurs become who they are because of owning an online store.

Cookies:

A cookie is a small text file stored on your computer.

Stores info on visited sites.

Session cookies - remember details until browser closes

Persistent cookies - remembers info for all time. Until deleted. Eg. Log in info - usernames, preferences eg) language, what you looked at) May be used by advertisers.

Cookie is NOT a virus or malware or spyware designed to improve user experience.

Designed to improve the users experience. Speeds up repeat visits to sites. eg) remembers username, goods put into basket.

Third part cookies are set by a different organisation to the owner of the website that you are visiting. The website you are a visiting may also contain content embedded from, for example youtube and more of these site may set their own cookies. third party cookies enable visitors to their website to see and interact with content such as videos and advertising provided to us by other companies. the same cookies can also help us with website analytics.

For the first time:

When you visit a site that uses cookies for the first time a cookie is downloaded onto your computer; so that the next time you visit that site, you r computer will check to see if it has a cookie that is relevant to that's site (that is, on containing the site name) and sends the information contained in that cookie back to the site, eg) it remembers your shopping basket.

The site then knows that you have been there before and in some cases tailors what pops up on the screen to take account of that fact.

Persistent cookies:

This type of cookie is saved on your computer for a fixed period (usually a year or longer) and is not deleted when the browser is closed. Persistent cookies are used where we need to know who you are for more than one browsing session. For example, we use this type of cookie to store your preferences, so that they are remembered for the next visit.

Session and persistent cookies:

Most websites use session cookies, which exist for as long as your on that site until you close the browser. Persistent cookies are cookies which remain on your browser until they reach their expiry date.

Tracking cookies:

A tracking cookie sends a log of your online activities usually tied to your IP address, to a remote database for analysis. Many tracking cookies want only to use your information, along with the data of millions of other users, for marketing analysis.

Targeted Advertising (spam, emails, ads on websites)