E-Commerce > E-Commerce Payment Options

Once customer websites are created, frequently an e-commerce gateway for accepting online payments from customers is created - because you are dealing with customer’s confidential financial information, this system necessarily must be a safe and secure system. HiNet’s e-commerce gateway is a virtual credit card acceptance system, working with many national and regional banks to support online transfer of funds using credit cards or ATM debit cards. HiNet’s e-commerce gateways also connect to telecommunications company databases and are situated on the HiNet Internet backbone, giving you the ability to control data with an advantage, allowing for high-speed, stable, merchant transactions, resulting in many Internet Business opportunities.

HiNet AAA integrates authentication, authorization and accounting. This creates a standard platform supporting all HiNet E-commerce users who operate using HiNet’s value-added services with a convenient online payment receiving system. Businesses can use ChungHwa Telecom monthly telephone bills to accept fees for their online services and products, which may include all applicable service fees.

Service Features:

HiNet MicroPayment AAA

1.	Cost savings: There is no need to create a new payment system when there is already one in place

2.	Risk sharing: The MicroPayment AAA system is an established platform for accepting service fees depending on your contract.

3.	Be online instantly with an easy to use customer interface. ChungHwa Telecom will send a customer service technician to help you set up your system to connect to our E-commerce network. Currently, many businesses use our e-commerce solutions and there are more and more every day.

Convenient payment option for customers

All that is needed is a HiNet ID and password for confirmation

MicroPayment fees are included on the customer’s internet and telephone bill

5	World-wide service: Using a HiNet eGold rechargeable card, all services can be used world-wide. The HiNet eGold rechargeable card can be purchased on the HiNet website.

6.	Marketing: Businesses using the HiNet MicroPayment service can be included in ChungHwa Telecom promotions

7.	Virtual products: The HiNet MicroPayment system is mainly used for intangible products, such as e-books and services, but it can also be used for any other form of product.

8.	Safe and responsible: User IDs and passwords are confirmed by the MicroPayment System so businesses will not have access to confidential user information, giving buyers peace of mind.

9.	System stability: The scalable MicroPayment system looks at usage and load and will increase the ability to process payments as needed. Customers and merchants are always guaranteed low response times.

Advantages:

HiNet has the largest number of users of any Internet ISP in Taiwan, with over 2.1 million users including those who pay monthly and those who use rechargeable cards. All of the above users can use the HiNet MicroPayment solution to pay for online products and services.

ChungHwa Telecom has a great reputation for service and stability and many customers and corporations rely on our Internet services on a daily basis.

HiNet operated websites often have high traffic and volume. Specialized websites and divisions are run by skilled Internet professionals.

HiNet passwords are confirmed by the AAA system, so businesses do not have access to them, giving customers a sense of security when dealing with their confidential financial information. When in transfer, customer information is encrypted for extra security.

The service fee procedure is very easy to use and verify - you can easily build a trustworthy business online with the MicroPayment service.

HiNet’s award-winning customer service team can help HiNet users who are having problems with the MicroPayment system - there is no need for you to hire dedicated customer support staff.

HiNet’s monthly paying customers generally have good credit, so businesses using the MicroPayment AAA system have a reduced risk of fraud and will most likely receive prompt payment for their services.

How to apply for the MicroPayment AAA service:

For more details about MicroPayment, or to ask about rate there are two ways to contact us: either call us 0800-080-365 and ask to speak to a customer service specialist about MicroPayments or contact us through e-mail at hib2b@cht.com.tw

HiNet’s SecurePay is a virtual credit card acceptor that works with many large banking institutions and allows customers to use credit cards or ATM cards to transfer funds and pay for services. HiNet corporate customers can find a bank that will work with them to create a merchant account and accept credit card payments. SecurePay also connects to telecommunications company databases and is situated on the HiNet Internet backbone, giving you the ability to control data with an advantage, allowing for high-speed, stable, merchant transactions, resulting in many Internet Business opportunities.

Product feature - Safety

1.	Consumer’s valuable and confidential credit card information is not stored with the e-commerce store, but is verified through SecurePay, in a safe and reliable process

2.	HiNet very carefully guards access to its internet data and highly values its security

3.	HiNet servers that store customer financial information go through many security measures and inspections
	- security is based on the reputation of the HiNet IDCs and comprehensive information backup systems

4.	SecurePay makes use of 128bit SSL for encryption when transmitting data for the unbreakable security

5	HiNet logs customer and merchant IP addresses for identification purposes

6.	SecurePay verifies credit card information and bank information - also uses the Visa 3D secure module for no-risk online buying

7.	HiNet strictly controls who processes its secure data. All financial processors must be third party corporations to protect merchant and customer confidential information

8.	HiNet has a very stable internet backbone to avoid risk of data interruptions

Product feature - Many choices of financial institutions to process payments

Currently HiNet uses the largest consumer bank in Taiwan - ChinaTrust, and we plan on working with other large financial institutions to give merchants more choices to work with their preferred banks.

Product feature - Many methods of payment

Online credit card payments
Also introducing: ATM transfers, direct bank transfers, and credit card installment plans

Product feature - Flexible expansion modules

Flexible expansion modules allow online merchants to sign up for an ID and service that will categorize their services and products with convenient graphs and charts and will show transaction histories and chart other valuable information.

These services not only increase online security and convenience, but also allows merchants to customize different aspects of their e-commerce process including free value-added services.

Rate chart:

Secure Pay Product Name	Fee Instructions	Amount
Participating Corporations and groups with valid ID	First year annual fee (includes testing)	$20,000
Participating Corporations and groups with valid ID	2nd year renewal fee with contract	$10,000
Modem users	One time fee	$3,000

1.	Online e-commerce merchants still need to pay the usual credit card processing fees to banks (like normal transactions)

Modem ID numbers: online merchants can categorize their products and services. Larger companies that have more products that need classification will probably need this service, but it may not be necessary for smaller companies. If you require this service, HiNet will look at your corporate license number and will issue you two free numbers. For each number after the second, there will be a charge of 3000 NT.

3.	Online merchants are required to apply for a special license from banks to be eligible for usage of the SecurePay system and they must meet minimum system requirements.

4.	For questions about SecurePay, please call ChungHwa Telecom HiNet at 0800-080-365 or (02)2344-4458.

How to apply for HiNet SecurePay:

For more details about SecurePay, or to ask about rate there are two ways to contact us: either call us 0800-080-365 and ask to speak to a customer service specialist about SecurePay or contact us through e-mail at hib2b@cht.com.tw

ChungHwa Telecom recognizes that many aspects of business have moved online and safety verification is very important, so ChungHwa Telecom has planned, built and now operates an online verification system for companies with an Internet presence. In the future we will offer various new services such as online security applications or e-commerce transaction applications. We are also planning support for encrypted documents, tracking of shipped products, and purchase of tickets and reservations online.

eCA uses digital signatures in a public environment, issuing a public key certificate, afterwards referred to as a “the certificate.” We offer certificate management services to guarantee personal and institutional accuracy and authenticity. Each user will have a public-private key password which can be used to verify his or her personal identity. This private key is attached to a certain user (which can be a person or institution) and should kept secret.

Also users will have a public key, which, after verification from our institute, will be used to verify the validity of the private key. This certificate supports 4 important safety guarantees:

1.	Integrity - document recipients, through the digital signature, can check to insure that this document is complete and original

2.	Non-repudiation - because only the document sender knows his own private-key, the document will contain the sender’s digital signature, and he cannot deny that this is not his document

3.	Authentication - document recipients can verify the identity of the sender

4.	Confidentiality - documents can easily be encrypted or decrypted with the key

	Rate and application procedure:
	Fees: for now, this service is free
	To apply: please go to http://epki.com.tw
	Service mailbox, for questions or comments: nisc@pki.gov.tw
	Or call (02) 2344-2098 to speak with a customer service representative about eCA.

ChungHwa Telecom’s HiCard uses an IC embedded chip in a card that acts as a tool to store secure data, payment information and personal identity certificate tools, and to act as a safe and convenient e-commerce solution. The HiCard is the first card that is both virtual and tangible in usage and contains features of many separate cards in one credit card. Compared to other credit cards, it includes features of an ATM card, membership card, and also a credit card, giving consumers the luxury to enjoy convenience in virtual and real world situations without worrying about payment security and meeting the 5 requirements of e-commerce: secrecy, legality, completeness, non-repudiation and convenience.

	Product features:
	The HiCard offers 4 unique features: non-repudiation, authentication, completeness of data, and confidentiality. Using the HiCard at HiFund websites to purchase funds insures the safety and convenience of online payment. Investors can be confident that they will have the safest internet environment and professionals can be assured that their investments will be secure. The HiCard has the highest security standard RSA CPU IC card, and comes with a card reader. It also includes a personal eCA security identity certificate, payment tools, and the HiNet HiCard system. The HiCard also can be used in many current IC situations such as door enter/exit, online ordering and payments - everything on one card. Users will be amazed at the convenience of carrying only one card, without having to worry about remembering multiple passwords, carrying multiple cards, or losing track of what card does what. HiNet’s eCA system and RCA HiCard card are designed to increase transaction security and offer convenience and security.

	How to apply for the HiNet HiCard:
	For more details about the HiCard, or to ask about rate there are two ways to contact us, either call us 0800-080-365 and ask to speak to a customer service specialist about the HiCard or contact us through e-mail at hib2b@cht.com.tw

HiSafe offers consumers and e-commerce businesses a trustworthy transaction platform. Businesses will not have to worry about fake credit cards or shipping problems, and consumers will have a 7-day period to use a product and have the right to return or exchange their product, guaranteeing the security of their financial information and a confidential online transaction guarantee system. With all these features, HiSafe will become the next, best solution for online commerce.

	Features and advantages:
	HiSafe service includes service for both consumers and merchants.
	7 day guarantee: Online purchase guarantees for consumers (7-day period with guaranteed right to exchange or return product)
	Multiple options for payment: Includes many different methods of payment for the consumer, allowing consumers to use their preferred process to pay.
	Shipping options: The HiSafe service will instruct shipping companies to pick up product at a specified destination to streamline the process for online merchants.
	Transaction or payment history: Through the use of order numbers, members can check on all the details of their purchases
	Transaction data tracking: HiSafe offers a transaction data tracking system for merchants to control the transaction process at any time.
	Just one pass: gives you the ability to do many things with just one card

All that the HiSafe service requires is a HiNet network ID and password - you can browse all the affiliated businesses linked to from the HiNet website and enjoy the ability to purchase from a variety of vendors online.

Product rate and application procedure:

For now, the HiSafe service is included with HiperMost, and cannot be used separately.

ChungHwa Telecom has the ability to processes receipts or vouchers and offers a tangible receipt and e-voucher service. We offer everything from processed data, design receipts, advertising DM, print receipts, vouchers which can be mailed, receipt inquiries to e-bills.

Product features:

1.	ChungHwa Telecom has the most equipment, and quickest operating times with 10 hi-speed printers, 16 hi-speed packaging machines and 4 dedicated mail processing machines

2.	North, Central and South locations - We have 3 different operation centers to insure that there will always be someone operating in case of emergency

3.	A strictly controlled operations process - to ensure the confidentiality of customer data

Operating process:

epending on our customer’s needs, we will make recommendations and provide envelopes and papers or even create designs. Customer data will be transmitted directly to the receipt processing center from the internet to be processed and printed. When printing, we have many methods of printing, and we offer features such as a preview with different paper types, or different printing methods. Using pre-rolled paper, we reduce the time of printing, and you can choose to print single or double-sided receipts. Using high-speed packaging and mailing machines, we finish creating your packages for you to take to the post office, to save time and conserve money on postage.

If during the process of creating receipts there is any problem, you can check on the status through our online customer service window - we give you the ability to always be in control of the situation.

E-bill

In the near future, ChungHwa Telecom will offer an e-bill service, to allow customers to use e-bills (check bills online, pay online and view details, schedule, set-up automatic payments or look at payment records).

How to apply for HiNet HiPrinting:

For more details about HiPrinting, or to ask about rate there are two ways to contact us, either call us 0800-080-365 and ask to speak to a customer service specialist about HiPrinting or contact us through e-mail at hib2b@cht.com.tw