# ICT4 Elderly/Online Payments

Contents of the module
* Online payment transactions with tools available (PayPal, etc.);
* Online payment terminology;
* Buy and sell options;
* Consumer rights and return policies;
* Safety tips (passwords, secure websites, scams).
Learning objectives
* To choose the most suitable online payment provider;
* To understand different kinds of online payments (Paypal, credit card, debit card, …);
* To be aware of the importance of safety protocols when using online payment methods;
* To be aware of consumer rights and different types of return policies;
* To enable the learner to safely make purchases on the internet;
* To raise awareness of e commerce and trading on the internet.
Learning outcomes
* Participants are able to make online payments and are familiar with four main steps: (1) registration, (2) making an e-payment, (3) verifying payment and (4) acknowledging e-payment receipt;
* Participants are able to check Payment status;
* Participants are using only strong and unique passwords and are making payments only through secure websites;
* Participants are able to adjust their browser safety settings and are able to use the default firewall security protection on their computers;
* Participants are able to actively participate in different online market sites - buying and selling different items.
Learning scenario
* A discussion with the lecturer and participants about their previous experiences with online payment, shopping and online payment providers;
* A presentation on online payments system;
* Interactive presentations of online payments and market sites;
* Exercise on using an online payment provider and creating an account, afterwards using online shopping page (e.g., E-bay) to simulate online payment of one item of their choice;
* A group discussion about the advantages and disadvantages of using online payments;
* Videos.
Evaluation
Following this module learners will:
* Participants are able to make online payments and are familiar with four main steps: (1) registration, (2) making an e-payment, (3) verifying payment and (4) acknowledging e-payment receipt;
* Participants are able to check Payment status;
* Participants are using only strong and unique passwords and are making payments only through secure websites;
* Participants are able to adjust their browser safety settings and are able to use the default firewall security protection on their computers;
* Participants are able to actively participate in different online market sites - buying and selling different items.

### Introduction of the training
#### Online Payments Systems

What does an online payments site do? Online payment sites are used to transfer money from a customer’s credit or debit card to a merchant or suppliers bank account

#### How is an online payment made?

A – To buy something the Customer enters their credit or debit card details at the Online Merchant checkout site
B – The Online Merchant transfers the payment card details to their selected Payment Gateway
Payment Gateway companies include: PayPal, WorldPay, Stripe, VeriSign, Stripe. Dwolla, Google Wallet and Amazon Pay.
C – The Payment Gateway connects the merchant to the Card Payment Network
Card Payment Network companies include: MasterCard and Visa
D – The card payment network is the glue between the various Payment Gateways and the Card Issuing Bank, and makes the request for payment from the customers bank account at the Card Issuing Bank
Card Issuing Bank is the bank that gave (issued) the physical debit or credit card to the customer
E – The Card Issuing Bank approves, or rejects, the payment request
The Card Issuing Bank passes back the payment approval / rejection details back through the chain to the Card Payment Network, Payment Gateway, Online Merchant and finally to the Customer
F/G/H – If the payment is approved by the Issuing Bank, it transfers the customers money from their bank account to the merchants bank account – this is called Settlement.

#### What credit/debit card information does the Customer need to supply?

It depends on the online merchants website! The following 5 elements can be requested:
Cardholder Name – as written on the front of the card
16 digit card number – also known as the Primary Account Number (PAN) – this is linked to the customers bank account (Mandatory)
Card Expiry Date – as written on the front of the card (Mandatory)
Card Verification Value (CVV2) – a 3 digit number on the back of the card
The idea of the CVV2 number is for added security, the idea being only you know and see this information because you’re in possession of the card.
Cardholder Address – this is not written on the card, but is often used to verify the customer.

#### Keywords

Online payment, Credit card, Debit card, Payment network, PayPal, WorldPay, Stripe, VeriSign, Stripe, Dwolla, Google Wallet, Amazon Pay.

#### Material required

* Personal computer (Smartphone or tablet connected to the Internet)
* Internet connection
* Beamer
* Paper and pens
* Flipchart
* Speakers

### Session structure

The purpose of the session will be:
* to provide an introduction to to make online payments
* to facilitate four main steps: (1) registration, (2) making an e-payment, (3) verifying payment and (4) acknowledging e-payment receipt
* to discover safety settings and are able to use the default firewall security protection on their computers
* to motivate to actively participate in different online market sites - buying and selling different items

#### Introduction

For the introduction, the lecturer will begin by asking participants about their previous experiences with online payment, online shopping, and online payment providers. With this approach, the lecturer and participants will develop an inclusive learning field for the lecture which follows

#### Online payement

The content of the lecture will be based on the concept of online payment and various methods of online payment. In order to make online payment, we first need to select an online payment provider, a connection between a bank and an online payment provider, and finally a smart device through which we will make payments. The next step in the lecture, however, is the payment process. Participants will be shown basic payment steps, wire transfer, payment receipt, account balance. The last step, which is also very important, is to ensure security when setting up online payments.

#### Online payement methods

Everyone opens his/her laptop
Task - Each participant will need to find the most appropriate online payment provider and create an account. Then every participant will have to explore E-bay and use online payment for buying and selling one item of their choice after the finished module.

#### Group discussion

Finally, there will be a group discussion about the benefits of paying again and using the most appropriate online payment provider. During the debate, participants will be able to share views, concerns, experiences and other information relevant to setting up online payment accounts.

#### Homework

Watch video and make comments
Understanding Online Payments

#### Debriefing

To wrap up the session, the trainer will facilitate a debriefing moment where participants are encouraged to express their questions, doubts, ideas and feelings toward the topics discussed.

#### Evaluation

Participants will answer a small questionnaire to evaluate the form and the content of the session.

#### Overall duration of the session

1 hour and 20 min

#### References

* Quick guide online payments systems
* Understanding Online Payments