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Let me say a few words about VeriFone's capabilities. They started by providing solutions in the physical world with equipment such as payment terminals. The company then moved to become an early adopter of client/server computing, developing its solution on HP 9000 servers. As the Internet has grown in robustness, VeriFone has duplicated its capabilities in the physical world with products for the "virtual" world. v.WALLET is a PC-based payment utility that is embedded in Netscape and Microsoft browsers to allow consumers to make payments using credit cards.v.POS which stands for Virtual Point Of Sale — is software that sits on the merchant's server and provides the tools for accepting secure Internet credit card transactions for a virtual store. These include real-time, on-line authorization, settlement, and other payment management functions. v.GATE is Internet gateway software that resides at the financial institution, where it manages transactions from multiple merchant Web servers. Finally, integrating these three worlds, we have created the Integrated Payment System, which is an open, client/server-based platform that enables the processing of all these forms of payment. So electronic commerce is coming of age, and it's happening quickly. With the combination of HP's and VeriFone's capabilities, we are driving this change.
現在我簡單地談一談有關VeriFone的情況。他們起先提供諸如支付終端這樣的解決方案。然后該公司轉向提供客戶機/服務器計算，在HP 9000服務器上開發其解決方案。隨著互聯網的迅速發展，VeriFone開始增強了其功能，研制“虛擬”世界的產品。v.WALLET (虛擬錢包）是基于PC機的支付器件，被嵌入Netscape和Microsoft 瀏覽器，使客戶可使用信用卡進行支付。V.POS指虛擬收款機——是一種位于商戶服務器的軟件，專門用于確保虛擬商店的互聯網信用卡交易安全。這包括實時、在線授權、結算以及其他支付管理功能。v.GATE (虛擬網關）是一種位于金融機構服務器上的互聯網門戶軟件，用于管理來自多個商戶網絡服務器的交易。最后，將這三項合而為一，我們創建了綜合支付系統，這是一個開放式的，基于客戶機/ 服務器的平臺，可處理所有這些形式的支付。所以，電子商務正在成熟，而且發展迅猛。惠普和VeriFone正在聯手推動這一變革。
