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电子商务是全世界的发展趋势,Forrester研究公司估计,全球电子商务市场会从目前的约100亿美元飞跃到2002年的3330亿美元。为在线销售提供产品的企业主要集中在美国,预计到新世纪之初将有10倍的增长,达17.3万。而虚拟购物中心在欧洲的增长速度也很快,经常通过点击鼠标购买的商品有书籍、软件、衣服、CD、日用品以及运动器材。随之而来,在电子商务中的货币支付手段成为举足轻重的关键问题。其中,慕尼黑的G&D
E-commerce is a worldwide development trend. Forrester Research estimates that the global e-commerce market will leap from about 10 billion U.S. dollars to 333 billion U.S. dollars in 2002. Companies that provide products for online sales are mainly concentrated in the United States and are expected to grow by a factor of 10 to 173,000 by the beginning of the new century. Virtual shopping malls in Europe are growing at a rapid rate. Books, software, clothing, CDs, daily necessities, and sports equipment are often purchased through the click of a mouse. As a result, monetary payment in e-commerce has become a pivotal issue. Among them, the G&D in Munich