The term e-commerce refers to all commercial transactions conducted over the Internet, including transactions by consumers and business-to-business transactions. Conceptually, e-commerce does not 67 from well-known commercial offerings such as banking by phone, "mail order" catalogs, or sending a purchase order to supplier 68 fax. E-commerce follows the same model 69 in other business transactions; the difference 70 in the details.
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To a consumer, the most visible form of e-commerce consists 71 online ordering. A customer begins with a catalog of possible items, 72 an item, arranges a form of payment, and 73 an order. Instead of a physical catalog, e-commerce arranges for catalogs to be 74 on the Internet. Instead of sending an order on paper or by telephone, e-commerce arranges for orders to be sent 75 a computer network. Finally, instead of sending a paper representation of payment such as a check, e-commerce 76 one to send payment information electronically. 4 r& o7 d$ n5 s+ }1 J
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In the decade 77 1993, e-commerce grew from an 78 novelty ( 新奇事物) to a mainstream business influence. In 1993, few 79 had a web page, and 80 a handful allowed one to order products or services online. Ten years 81 , both large and small businesses had web pages, and most 82 users with the opportunity to place an order. 83 , many banks added online access, 84 online banking and bill paying became 85 . More importantly, the value of goods and services 86 over the Internet grew dramatically after 1997.
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