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ELECTRONIC FUNDS TRANSFER

ELECTRONIC FUNDS TRANSFER


Electronic Funds Transfer

Electronic Funds Transfer is used to settle credit card transactions by transferring funds between the seller and the bank, which has issued the credit card to the customer. A Clearing House would settle the accounts of the sending bank and the receiving bank.

Online Catalogs

Online catalogs provide easy access to product information. Consumers are benefited because they are able to obtain detailed, up to the minute information about a wide range of products over the Internet, without having to endure the inconvenience of visiting a showroom.

For assisted selling, a valuable tool is a marketing encyclopedia, an intelligent electronic catalog that connects sales representatives and customers to a company’s most current product and service information. It provides a single point of entry for harnessing and distributing all product information. Product managers can update information in the database and immediately broadcast the changes throughout the enterprise. Some critical requirements of any marketing encyclopedia are the ability to easily create and maintain a repository of product information; the ability to create multiple search mechanisms to assist in locating information; and the ability to alert sales representatives and
customers to bundled products and services, promotions, and complementary products.

Intelligent Agents

The Intelligent agent is software that assists people and acts on their behalf. Intelligent agents work by allowing people to delegate work that they could have done, to the agent software. Agents can, just as assistants can, automate repetitive tasks, remember things the user might have forgotten, intelligently summarize complex data, learn from the user and even make recommendations to the user. In addition to making recommendations to the user, the agents can also make decisions and perform actions based on those decisions.

One typical use of the intelligent agent may be found in the exploration of data on the Internet. The Internet can be viewed as a large distributed Information resource, with connecting systems that are designed and implemented by many different organizations with various goals and agendas. The growth of the Internet and correspondingly the vast amount of Information it holds, presents a problem to the users-information overload. This causes a problem of locating the relevant information. As a result much of the information is discarded and processed in a sub optimal manner. The agent technology
may help the user by helping the user get around this problem.

In times to come it is hoped that agent technology can enhance the feature of electronic commerce by efficiently matching buyers and sellers.


Intelligent Agent Computing Agent

Three primary dimensions of the agents have been defined: agency, intelligence and mobility.

1. Agency: The degree of autonomous action that can me taken; that is actions performed without the need for direct human intervention or intervention by other agents. The agents should have control over the actions performed within its system, i.e., not have actions performed by other agents. Other agents can request actions, but the agent itself decides whether to approve and allow the action.
2. Intelligence: The extent to which an agent can understand its own internal state and its external environment. The level of intelligence is further classified according to its ability to respond, to adapt and to take initiative.
3. Respond: Agents should perceive and respond to their environments.

TUTORIAL 4:

1. Discuss about the benefits of electronic payment system.

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