using peoples unique physical traits such as their fingerprints to verify their identity. 

ex: omni

uga cafeterias, dorm entry

--the problem is managing a database of 300 million americans

--can also mean facial/eye senors

--one in a billion chance that 2 people will have the same fingerprint

--In japan biometrics is common on cell phones, atms, for point of purchase credit card purchases

• internet customers tend to be younger than the usual in-store customers but older online shoppers are often more likely to actually purchase

• internet intelligent agents that personally assit you when shopping
• ex: rent the runway can search based on color of the dress, the price, the size, whats in stock, designer, etc. 
• helps you narrow down your choices and find exactly what you are looking for. 
• ex: expedia, travelocity --> compare many sites to find exactly what you are looking for

1. credit card
2. paypal
3. money orders
4. cashiers checks

escrow service

COD (collect on delivery)

• an arrangement where an independent trusted third-party receives and disburses money and/or documents for two or more transacting parties, with the timing of such disbursement by the third-party dependent on the performance by the parties of agreed-upon contractual provisions, 
• the buyer to pay once they receive the delivery

in order to buy online in the marketspace, a consumer must be able to have trust in the process. 

--the buyer must trust not only the seller but also the e-commerce infrastructure and environment. 

--consumers are more likely to buy brand names than unknown products online

CHILDREN AS ONLINE CONSUMERS: 

Computer Decency Act (CDA)

• has provided some safeguards to internet access but content on the internet is difficult to control 
• parents and children are often seen as partners in consumerism

• enforced by the FTC
• requires commercial web site operators to get parental consent before collecting personal information from kids under 13

• reduced the use of paper is the world of e-commece
• but online transactions must be as secure and trusted as paper transactions and should always be encrypted.
• the US represents 24% of the worlds primary energy consumption
• more people are working/buying/selling online so fuel is saved saving the environment

defined as actions of consumers or thier agents to protect and promote consumer interest and to seek  empowerment in the context of the electronic

marketplace. 

ex: General Motors was the leading fortune 500 company but is now surpassed by Wal-Mart in terms of revenue 

• privacy: what info do i HAVE to reveal about myself in order to obtain a product/service?
• accuracy: who is to be held accountable for errors in information?
• property: who owns the info?
• accessibility : who is allowed access to my info?

• makes it a federal crime if someone knowingly transfers or uses without lawful authority a means of identification of another person with the intent to commit or to aid or abet any unlawful activity that constitutes a violation of federal law, or that constitutes a felony under any applicable state of local law. 
• a conviction of identity theft carries fines and prison sentences of up to 15 years 

$50 per card

--the Fair credit billing act estb. procedures for resolving billing errors including fradulent charges on accounts 

$2 billion

--always donate to the charites you beleive in

--always try to determine how efficient the charity spends its donations

• pre-approved credit card offers
• loan applications
• bank statements
• checks

• 1/1/07

• Security freezes are designed to prevent a credit reporting company from releasing your credit report without your consent. However, you should be aware that using a security freeze to take control over who is allowed access to the personal and financial information in your file may delay, interfere with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale.

  When you place a security freeze on your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your file or authorize the temporary release of your credit report for a specific person or period after the security freeze is in place. To provide that authorization, you must contact the reporting agency and provide all the following:

1. Equifax
2. Experian
3. Transunion