Inhaltverzeichnis

ZUSAMMENFASSUNG   4

ABSTRACT   5

1  EINLEITUNG  6

2  DEFINITIONEN UND BESCHREIBUNGEN  7

2.1  E-BUSINESS  7

2.2  E-COMMERCE  7

2.3  ELEKTRONISCHES GELD (E-GELD)  11

3  ANFORDERUNGEN AN ZAHLUNGSVERFAHREN IM B2C BEREICH  12

3.1  ALLGEMEINE ANFORDERUNGEN  15

3.1.1  Sicherheit  15

3.1.2  Kosten.  16

3.1.3  Verbreitungsgrad  17

3.1.4  Internationalität  17

3.2  ANFORDERUNGEN AUF DER KUNDENSEITE  17

3.2.1  Benutzerfreundlichkeit  17

3.2.2  Anonymität  18

3.3  ANFORDERUNGEN AUF DER HÄNDLERSEITE  18

3.3.1  Technische Aspekte  18

3.3.2  Kundenbindung  19

4  ZAHLUNGSPROTOKOLLE  20

4.1  S-HTTP (SECURE HTTP)  20

4.2  SSL (SECURE SOCKET LAYER)  21

4.2.1  Ablauf der Kreditkartenbezahlung mit SSL  23

4.3  SET (SECURE ELECTRONIC TRANSACTION)  25

4.3.1  Ablauf der Kreditkartenbezahlung mit SET  27

5  KATEGORISIERUNG VON ZAHLUNGSVERFAHREN  30

5.1  HÖHE DES BETRAGS  30

5.2  ZEITPUNKT DER ZAHLUNG  31

6  ÜBERSICHT DER VERSCHIEDENEN ZAHLUNGSVERFAHREN  32

6.1  PRE-PAID SYSTEM  33

6.1.1  SmartCards  33

6.1.2  Paysafecard  34

6.2  PAY-NOW SYSTEM  37

6.2.1  Paypal  37

6.2.2  Paybox  38

6.3  PAY-LATER SYSTEM  41

6.3.1  Kreditkarte  41

6.4  EXKURS: GESCHEITERTE ZAHLUNGSVERFAHREN  43

6.4.1  eCash  43

6.4.2  Cybercash  44

6.4.3  First Virtual  45

7  FAZIT  45

LITERATUR   48

Abbildungsverzeichnis

$EELOGXQJ8PVlW]HXQG=XZDFKVGHU%&(&RPPHUFHLQ(XURSD

$EELOGXQJ$QWHLOGHU%%XQGLP*OREDO(&RPPHUFH

$EELOGXQJ*HZLFKWXQJGHU+DXSWNULWHULHQIUEHYRU]XJWH=DKOXQJVYHUIDKUHQDXVGHU.XQGHQVLFKW

$EELOGXQJ*HZLFKWXQJGHU.ULWHULHQIUEHYRU]XJWH=DKOXQJVYHUIDKUHQDXVGHU+lQGOHUVLFKW

$EELOGXQJ6LFKHUKHLWEHLP2QOLQH(LQNDXIDXVGHU.XQGHQVLFKW

$EELOGXQJ*UQGHIU1LFKW(LQVHW]HQYRQ2QOLQH=DKOXQJVYHUIDKUHQ

$EELOGXQJ0DQLQWKH0LGGOH$QJULII

$EELOGXQJ66/=HUWLILNDWGHU:8:LHQ

$EELOGXQJ9HUJOHLFK]ZLVFKHQGHUWUDGLWLRQHOOHQXQG6(7EDVLHUWHQ.UHGLWNDUWHQDEZLFNOXQJ

$EELOGXQJ$EODXIGHU6(77UDQVDNWLRQ

$EELOGXQJ%H]DKOYHUIDKUHQ$QJHERWXQG1DFKIUDJHDXV+lQGOHUXQG.XQGHQVLFKW

$EELOGXQJ$EODXIGHU2QOLQH=DKOXQJPLW*HOGNDUWH

$EELOGXQJ$EODXIGHU3D\VDIHFDUG7UDQVDNWLRQ

$EELOGXQJ=DKOXQJVDEZLFNOXQJPLW3D\SDO

$EELOGXQJ$EODXIGHU3D\ER[7UDQVDNWLRQ

$EELOGXQJ'HU.UHGLWNDUWHQ]DKOXQJPLW'6HFXUH

Zusammenfassung

'LHVH $UEHLW EHVFKlIWLJW VLFK PLW GHP HLQJHVHW]WHQ HOHNWURQLVFKHQ %H]DKOYHUIDKUHQ LP %XVLQHVVWR&XVWRPHU %& %HUHLFK 'LH ]DKOUHLFKH %H]DKOYHUIDKUHQ LP (&RPPHUFH %HUHLFKKDWGHQ$XWRUDXIJUXQGGHV8PIDQJVGD]XJH]ZXQJHQXPGLH$UEHLWHLQ]XJUHQ]HQ XQG QXU LP %& %HUHLFK HLQJHVHW]WH %H]DKOYHUIDKUHQ ]X VWXGLHUHQ =XHUVW ZHUGHQ GLH DOOJHPHLQHQ$QIRUGHUXQJHQDXV.XQGHQXQG+lQGOHUVLFKWGLHYRQMHGHP(3D\PHQW6\VWHP HUIOOWZHUGHQPVVHQXPHLQ=DKOXQJVYHUIDKUHQIUGHQHOHNWURQLVFKHQ+DQGHOHUIROJUHLFK DXI GHP 0DUNW HWDEOLHUHQ ]X N|QQHQ HUNOlUW XQG GDPLW YHUVXFKHQ ]X YHUVWHKHQ ZDUXP GLH HUVWH *HQHUDWLRQ YRQ (3D\PHQW 6\VWHPH RKQH (UIROJ EOLHE 'DQDFK ZHUGHQ QHEHQ GHU WUDGLWLRQHOOHQ=DKOXQJVYHUIDKUHQZLH.UHGLWNDUWHGDV.RQ]HSWHLQLJHUQHXHQ%H]DKOYHUIDKUHQ ZLH 3D\SDO 3D\ER[ HWF NXU] YRUJHVWHOOW XQG ZHUGHQ EHU GHUHQ (LQVDW] YRU]XJVZHLVH LP (XURUDXP XQG ZHOWZHLW HUIDKUW =DKOXQJVYHUIDKUHQ ZLH =DKOXQJ SHU 1DFKQDPH RGHU 5HFKQXQJ GLH Y|OOLJ DX‰HUKDOE GHV ,QWHUQHWV GXUFKJHIKUW ZHUGHQ VLQG YRQ GLHVHU $UEHLW DXVJHVFKORVVHQ Stichworte:

(&RPPHUFH %XVLQHVVWR&XVWRPHU (3D\PHQW (OHNWURQLVFKH =DKOXQJ 6+773 66/ 6(7 ' 6HFXUH 6PDUWFDUGV #4XLFN *HOGNDUWH 3D\VDIHFDUG 3D\SDO 3D\ER[ H&DVK &\EHUFDVK)LUVW9LUWXDO

Abstract

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eywords:

(&RPPHUFH %XVLQHVVWR&XVWRPHU (3D\PHQW (OHFWURQLF 3D\PHQW 6+773 66/ 6(7 '6HFXUH6PDUWFDUGV#4XLFN*HOGNDUWH3D\VDIHFDUG3D\SDO3D\ER[H&DVK&\EHUFDVK )LUVW9LUWXDO

1 Einleitung

0LW GHU (QWZLFNOXQJ GHV ,QWHUQHWV DP $QIDQJ GHU HU -DKUH KDEHQ ZLU PLW QHXHP %HJULII Ä(&RPPHUFH³ NHQQHQ JHOHUQW (&RPPHUFH JHQDX JHVDJW (OHFWURQLF &RPPHUFH KDW VLFK GLH 0|JOLFKNHLW PLWJHEUDFKW *HVFKlIWH EHU HOHNWURQLVFKH 0HGLHQ DQ]XEDKQHQ DE]XVFKOLH‰HQXQG]XHUIOOHQ'DV,QWHUQHWZXUGHYRQGHU:LUWVFKDIWVHKUVFKQHOODN]HSWLHUW 9LHOH .RQVXPJWHU %FKHU &'V +DUGZDUH 6RIWZDUH 7LFNHWV HWF ]lKOHQ ]X GHQ 6SLW]HQUHLWHUQGHV(&RPPHUFH'LHVWlQGLJH9HUEUHLWXQJYRQ&RPSXWHUXQG,QWHUQHWVRZLH GHU 3UHLVYHUIDOO EHL GHQ =XJDQJV XQG 9HUELQGXQJVHQWJHOWHQ XQWHUVWW]HQ GLH ]XQHKPHQGH 1XW]XQJGHV(&RPPHUFH

+HXWHKDWVFKRQIDVWMHGHV8QWHUQHKPHQHLQH:HEVHLWHHLQHZLFKWLJH$QWHLOHLQH:HEVKRS 1DFK HLQHP MQJVWHQ 6WDWLVWLN LQ gVWHUUHLFK ]HLJW GDVV DOOHU 8QWHUQHKPHQ KDEHQ LP -lQQHUEHUHLWVHLQHHLJHQH:HEVLWHGHU8QWHUQHKPHQKDEHQLP-DKU:DUHQ XQG 'LHQVWOHLVWXQJHQ EHU HOHNWURQLVFKH 1HW]ZHUNH HLQJHNDXIW :lKUHQG DOOHU 8QWHUQHKPHQ GDV ,QWHUQHW IU LKUH (LQNlXIH QXW]WHQ ZDUHQ HV QXU GLH EHU DQGHUH HOHNWURQLVFKH 1HW]ZHUNH HLQJHNDXIW KDEHQ $XFK EHL GHQ 9HUNlXIHQ HUIUHXHQ VLFK HOHNWURQLVFKH1HW]ZHUNHLPPHUJU|‰HUHU%HOLHEWKHLWDOOHU8QWHUQHKPHQKDEHQLP-DKU 9HUNlXIH HOHNWURQLVFK DEJHZLFNHOW GDUXQWHU EHU ,QWHUQHW XQG EHU DQGHUH

HOHNWURQLVFKH1HW]ZHUNH

:lKUHQG(&RPPHUFHKDWVLFKHQWZLFNHOWLVWGLHHOHNWURQLVFKH=DKOXQJ]XP6FKOVVHOIDNWRU IU(&RPPHUFHJHZRUGHQ(VJDELPPHU9HUVXFKHVSH]LHOOHHOHNWURQLVFKH%H]DKOYHUIDKUHQ DXI GHP 0DUNW ]X HWDEOLHUHQ $EHU QXU HLQLJH 6\VWHPH VLQG HUIROJUHLFK JHZRUGHQ 'DV :DFKVWXP LP (&RPPHUFH NDQQ PDQ QXU PLW JHHLJQHWHQ =DKOXQJVPLWWHOQ HU]LHOHQ 0DQ VROOWH VRZRKO DXI $QELHWHU DOV DXFK DXI GHU .XQGHQVHLWH HLQIDFKH VFKQHOOH NRVWHQJQVWLJH XQGYHUWUDXHQVZUGLJHHOHNWURQLVFKH=DKOXQJVV\VWHPHJHEHQ

KWWSZZZVWDWLVWLNDWZHEBGHVWDWLVWLNHQLQIRUPDWLRQVJHVHOOVFKDIWLNWHLQVDW]BLQBXQWHUQHKPHQBH

FRPPHUFHLQGH[KWPO$EUXIDP

2 Definitionen und Beschreibungen

(%XVLQHVV

(OHFWURQLF %XVLQHVV EH]HLFKQHW PDQ DOV 2EHUEHJULII XQWHUVFKLHGOLFKH )RUPHQ GHV (LQVDW]HV HOHNWURQLVFKHU .RPPXQLNDWLRQV XQG .RRSHUDWLRQVPHFKDQLVPHQ ]XU 5HDOLVLHUXQJ 8QWHUVWW]XQJXQG2SWLPLHUXQJYRQ*HVFKlIWVSUR]HVVHQ>=ZL‰OHU@

2EZRKO(&RPPHUFHQXUHLQ7HLOEHUHLFKYRQ(%XVLQHVVZDUZXUGHHVELVDOV%HJULII IUDOOHJHVFKlIWOLFKH7UDQVDNWLRQHQEHU,QWHUQHWYHUZHQGHWELV(%XVLQHVVZXUGH]XPHUVWHQ 0DOLQDOVHLQ%HJULIIYRQ,%0YHUZHQGHW'DV.RQ]HSWGHVHOHNWURQLVFKHQ*HVFKlIWV ZXUGH HLQJHIKUW EHYRU GDV ,QWHUQHW EHNDQQW ZXUGH ,Q GHQ HUQ ZXUGH GDV (%XVLQHVV EHUHLWV IU ILQDQ]LHOOH 1HW]ZHUNH EHNDQQW GLH EHLVSLHOVZHLVH 3URSULHWlUH +DUG XQG 6RIWZDUHO|VXQJHQ YHUZHQGHWHQ (OHFWURQLF 'DWD ,QWHUFKDQJH (', VWDQG ODQJH ]XU 9HUIJXQJEHYRUHVIUGDV,QWHUQHWYHUZHQGHWZXUGH2KQHGDV,QWHUQHWZUGH(%XVLQHVV MHGRFKQLFKWLQVREUHLWHP8PIDQJP|JOLFKVHLQ>$PRU@

'LHP|JOLFKHQ$QZHQGXQJHQLQQHUKDOEGHV(%XVLQHVVN|QQHQJURELQIROJHQGH.DWHJRULHQ XQWHUVFKLHGHQZHUGHQ (%DQNLQJ (&RPPHUFH (/HDUQLQJ (3URFXUHPHQW

(&RPPHUFH

(&RPPHUFHZLUGRIWPLW(%XVLQHVVYHUZHFKVHOWREZRKO(&RPPHUFHQXUHLQ7HLOEHUHLFK YRQ (&RPPHUFH ELOGHW (V JLEW NHLQH HLQKHLWOLFKH 'HILQLWLRQ IU (&RPPHUFH =ZHL‰OHU GHILQLHUW (&RPPHUFH DOV HLQ 7HLOEHUHLFK GHV (OHFWURQLF %XVLQHVV ZHOFKHV XPIDVVW GHQ 9HUNDXI YRQ *WHUQ XQG 'LHQVWOHLVWXQJHQ EHU 5HFKQHUQHW]H 'LH $VSHNWH HUVWUHFNHQ VLFK YRQ GHU 3UlVHQWDWLRQ GHV $QJHERWV EHU GLH %HVWHOOXQJ GHQ .DXI ELV KLQ ]XP /HLVWXQJVDXVWDXVFK %H]DKOXQJ XQG $XVOLHIHUXQJ MHGRFK QLFKW PHKU DXI GLH DXWRPDWLVFKH $XIWUDJVYHUDUEHLWXQJ )HUWLJXQJ XQG /RJLVWLN 'LH %HWRQXQJ OLHJW KLHUEHL DXI GHP

=XVWDQGHNRPPHQ HLQHV .DXIDEVFKOXVVHV EHU HOHNWURQLVFKH 0HGLHQ 'HU HLJHQWOLFKH /HLVWXQJVDXVWDXVFK NDQQ DXFK DX‰HUKDOE GHV 1HW]HV PLWWHOV WUDGLWLRQHOOHU 0HFKDQLVPHQ HUIROJHQ VR ]% EHLP 9HUNDXI N|USHUOLFKHU *HJHQVWlQGH ,P 8QWHUVFKLHG ]X (%XVLQHVV 6]HQDULHQ ]LHOHQ (&RPPHUFH $QZHQGXQJHQ DXI HLQHQ 0DVVHQPDUNW DE (LQHU JUR‰HQ $Q]DKO YRQ %HQXW]HUQ ZLUG HLQH YHUJOHLFKVZHLVH HLQIDFKH 6FKQLWWVWHOOH DQJHERWHQ EHU GLH HLQH9LHO]DKOJOHLFKDUWLJHU7UDQVDNWLRQHQGXUFKJHIKUWZHUGHQ>=ZL‰OHU@

(&RPPHUFHZLUGQDFK$UWGHU7HLOQHKPHUDOV.RQVXPHQWHQ8QWHUQHKPHQXQG|IIHQWOLFKH ,QVWLWXWLRQHQ NDWHJRULVLHUW =XU NODUHQ 'LIIHUHQ]LHUXQJ ]ZLVFKHQ GHQ %HUHLFKHQ VLQG GLH %HVFKUHLEXQJHQGHUHLQ]HOQHQ%HUHLFKHQRWZHQGLJ:LUZHUGHQMHGRFKQLFKWLQV'HWDLOJHKHQ

&XVWRPHU.XQGH

Consumer-To-Consumer (C2C)

&& VWHKW IU HOHNWURQLVFKH .RPPXQLNDWLRQVEH]LHKXQJHQ ]ZLVFKHQ 3ULYDWSHUVRQHQ XQG KDW VLFK PLW GHU 9HUEUHLWXQJ GHV ,QWHUQHW HQWZLFNHOW 0LWWOHU VRJ ,QWHUPHGLlU LVW KLHU QXU GLH :HEVHLWHQ GLH GLH 3ULYDWSHUVRQHQ ]XVDPPHQEULQJHQ %HLVSLHOH ]X GLHVHP %HUHLFK VLQG $NWLRQVKDQGHO ZLH (ED\ .OHLQDQ]HLJHQ ZLH &UDLJVOLVW XQG .LMLML 2QOLQH 9HUEUDXFKHUSODWWIRUPHQZLH(SLQLRQVXQG&LDR)RUHQXQG%ORJV

Consumer-To-Business (C2B)

&% VWHKW IU HOHNWURQLVFKH .RPPXQLNDWLRQVEH]LHKXQJHQ ]ZLVFKHQ 3ULYDWSHUVRQHQ XQG 8QWHUQHKPHQ (LQ W\SLVFKH %HLVSLHO ]X GLHVHP %HUHLFK LVW GLH 2QOLQH -REE|UVH ZR GLH 3ULYDWSHUVRQHQ ,KUHQ /HEHQVODXI GLH 8QWHUQHKPHQ ]XU 9HUIJXQJ VWHOOHQ XQG YRQ 8QWHUQHKPHQ JHIXQGHQ ZHUGHQ (LQ DQGHUHV %HLVSLHO LVW GDV $06 1H[W -RE 3URMHNW LQ gVWHUUHLFKZHOFKHV$UEHLWVVXFKHQGHQKLOIWQDFKGHU.QGLJXQJZLHGHUVFKQHOOXPHLQQHXHV

Consumer-To-Administration (C2A)

&$ %HUHLFK EHVFKUHLEW GHQ $XVWDXVFK YRQ /HLVWXQJHQ ]ZLVFKHQ 3ULYDWSHUVRQHQ XQG |IIHQWOLFKH,QVWLWXWLRQHQ(LQLJH%HLVSLHOHLQgVWHUUHLFK]XPGLHVHP%HUHLFKVLQGGLH2QOLQH

KWWSZZZDPVDWVIDQH[WMREKWPO$EUXIDP

'LHQVWH GHV %XQGHVPLQLVWHULXPV IU )LQDQ]HQ ZLH HOHNWURQLVFKH 6WHXHUHUNOlUXQJ RGHU

%XVLQHVV8QWHUQHKPHQ

Business-to-Consumer (B2C)

%& VWHKW IU GLH HOHNWURQLVFKH .RPPXQLNDWLRQ ]ZLVFKHQ 8QWHUQHKPHQ XQG .RQVXPHQWHQ %& KDW VLFKVHKUVFKQHOOHQWZLFNHOWXQG ZXUGH YRP ,QWHUQHWQXW]HUVFKQHOODN]HSWLHUW%& %HUHLFK UHLFKW YRP 2QOLQH6KRSSLQJ EHU GHQ 7RXULVWLNEHUHLFK PLW 5HLVHEXFKXQJHQ GLH 5HVHUYLHUXQJ YRQ 7LFNHWV XQG )DKUNDUWHQ EHU GLH 'LHQVWOHLVWXQJHQ LP )LQDQ] XQG 9HUVLFKHUXQJVZHVHQELVKLQ]X$XNWLRQHQ%HNDQQWH%HLVSLHOH]XP%&*HVFKlIWVPRGHOOHLQ GHU2QOLQH(LQ]HOKDQGHOLVW$PD]RQFRP

/LQNH *UDSKLN LQ GHU $EELOGXQJ ]HLJW GLH JHQHULHUWHQ 8PVlW]H LP %& (&RPPHUFH %HUHLFKLQDXIGLHYHUVFKLHGHQHQ:LUWVFKDIWVEHUHLFKHLQ%HUHLFKHDXVLQ(XURSD 'LHUHFKWH*UDSKLNVWHOOWGHUJHVFKlW]WH=XZDFKVGHV%&%HUHLFKYRPELV

Abbildung 1: 8PVlW]HXQG=XZDFKVGHU%&(&RPPHUFHLQ(XURSD>+HQJ@

KWWSVZZZEPIJYDW(*RYHUQPHQW),1$1=2QOLQH,QIRUPDWLRQHQIU%UJHU$EUXIDP

Business-to-Business (B2B)

%% VWHKW IU GLH HOHNWURQLVFKH .RPPXQLNDWLRQ ]ZLVFKHQ 8QWHUQHKPHQ XQG PDFKW GLHVH %HUHLFK QDFK 6FKlW]XQJHQ GHU *HVDPWXPVDW] LP (&RPPHUFH (V ZLUG VRJDU DQJHQRPPHQ GDVV VLFK GLH *HZLFKWXQJ ZHLWHU KLQ ]XP %% %HUHLFK YHUVFKLHEHQ ZLUG >*|VFKND@'LHIROJHQGH$EELOGXQJEHVWlWLJWGLHVH6FKlW]XQJHQ

Abbildung 2: $QWHLOGHU%%XQGLP*OREDO(&RPPHUFH>$QGDP@

%HVWHOOXQJ HLQHV 8QWHUQHKPHQV EHL HLQHP /LHIHUDQW SHU (', (OHFWURQLF 'DWD ,QWHUFKDQJH NDQQPDQKLHUDOVHLQ%HLVSLHOJHEHQ:HLWHUH%%%HLVSLHOHQVLQG,%0+HZOHWW3DFNDUG +3&LVFRXQG'HOO&LVFR]XP%HLVSLHOHUKlOWEHUVHLQHU3URGXNWEHVWHOOXQJHQEHU GDV,QWHUQHW>$QGDP@

Business-To-Administration (B2A)

%$ VWHKW IU GLH HOHNWURQLVFKH .RPPXQLNDWLRQ ]ZLVFKHQ 8QWHUQHKPHQ XQG |IIHQWOLFKH ,QVWLWXWLRQHQ+LHUNDQQPDQGLH2QOLQH'LHQVWHGHV)LQDQ]DPWVGLHVSH]LHOODQ8QWHUQHKPHQ JHULFKWHW VLQG ZLH HOHNWURQLVFKH 8PVDW]VWHXHU (LQNRPPHQVWHXHU XQG

Business-To-Employee (B2E)

%( VWHKW IU GLH HOHNWURQLVFKH .RPPXQLNDWLRQ ]ZLVFKHQ HLQHP 8QWHUQHKPHQ XQG VHLQHQ 0LWDUEHLWHUQ ,QWUDQHW YRQ HLQHP 8QWHUQHKPHQ GLH DXVVFKOLH‰OLFK QXU IU GLH 0LWDUEHLWHU HLQHV8QWHUQHKPHQV]XJlQJOLFKVLQGNDQQPDQKLHUDOVHLQW\SLVFKHV%HLVSLHOJHEHQ,QWUDQHW LVWQLFKW|IIHQWOLFK]XJUHLIEDU,QWUDQHWVVLQGKHXWHDOVHLQ%HVWDQGWHLOGHU8QWHUQHKPHQVNXOWXU XQG HLQ 0LWWHO IU GLH *HVFKlIWVOHLWXQJ RGHU (QWVFKHLGXQJVWUlJHU XP GLH 0LWDUEHLWHU ]X

KWWSVZZZEPIJYDW(*RYHUQPHQW),1$1=2QOLQH,QIRUPDWLRQHQIU8QWHB$EUXIDP