{"product_id":"2940016566214","title":"Being Safe Online at Christmas Time","description":"The Internet has taken its place beside the telephone and television as an important part of people's lives. \u003cbr\u003e\u003cbr\u003eConsumers use the Internet to shop, bank and invest online. \u003cbr\u003e\u003cbr\u003eLearn how to make your transactions as safe and secure as possible especially during the holiday season this year.\u003cbr\u003e\u003cbr\u003eChristmas shopping season is in full swing and there are really only two\u003cbr\u003eways to get those presents you’re searching for:\u003cbr\u003e• Wading through the crowds in all of the retail stores,\u003cbr\u003e• Shopping on the Internet.\u003cbr\u003eThere are plenty of books on how to deal with scams in the retail stores,\u003cbr\u003eand, truthfully, most of these scams are pretty straightforward and easily\u003cbr\u003edetected by consumers.\u003cbr\u003eThe Internet has taken its place beside the telephone and television as an\u003cbr\u003eimportant part of people’s lives. Consumers use the Internet to shop, bank\u003cbr\u003eand invest online. Most consumers use credit or debit cards to pay for online\u003cbr\u003epurchases, but other payment methods, like “e-wallets,” are becoming more\u003cbr\u003ecommon.\u003cbr\u003eWe want you to know about these payment technologies and how to\u003cbr\u003emake your transactions as safe and secure as possible. Keep these tips in\u003cbr\u003emind as other forms of electronic commerce, like mobile and wireless\u003cbr\u003etransactions, become more available.\u003cbr\u003eAND HOW WOULD YOU LIKE TO PAY?\u003cbr\u003eMost online shoppers use credit cards to pay for their online\u003cbr\u003epurchases. But debit cards — which authorize merchants to debit your bank\u003cbr\u003eaccount electronically — are increasing in use. Your debit card may be an\u003cbr\u003eautomated teller machine (ATM) card that can be used for retail purchases.\u003cbr\u003e4\u003cbr\u003eTo complete a debit card transaction, you may have to use a personal\u003cbr\u003eidentification number (PIN), some form of a signature or other identification,\u003cbr\u003eor a combination of these identifiers. Some cards have both credit and debit\u003cbr\u003efeatures: You select the payment option at the point-of-sale.\u003cbr\u003eBut remember, although a debit card may look like a credit card, the\u003cbr\u003emoney for debit purchases is transferred almost immediately from your bank\u003cbr\u003eaccount to the merchant’s account. In addition, your liability limits for a lost\u003cbr\u003eor stolen debit card and unauthorized use are different from your liability if\u003cbr\u003eyour credit card is lost, stolen or used without your authorization.\u003cbr\u003eOther electronic payment systems — sometimes referred to as\u003cbr\u003e“electronic money” or “e-money” — also are now common. Their goal is to\u003cbr\u003emake purchasing simpler. For example, “stored-value” cards let you transfer\u003cbr\u003ecash value to a card. They’re commonly used on public transportation, at\u003cbr\u003ecolleges and universities, at gas stations, and for prepaid telephone use.\u003cbr\u003eMany retailers also sell stored-value cards in place of gift certificates. Some\u003cbr\u003estored-value cards work offline, say, to buy a candy bar at a vending\u003cbr\u003emachine; others work online, for example, to buy an item from a website;\u003cbr\u003esome have both offline and online features. Some cards can be “reloaded”\u003cbr\u003ewith additional value, at a cash machine; other cards are “disposable” — you\u003cbr\u003ethrow them away after you use all their value. Some stored-value cards\u003cbr\u003econtain computer chips that make them “smart” cards: These cards may act\u003cbr\u003elike a credit card as well as a debit card, and also may contain stored value.\u003cbr\u003eSome Internet-based payment systems allow value to be transmitted\u003cbr\u003ethrough computers, sometimes called “e-wallets.” You can use “e-wallets” to\u003cbr\u003emake “micropayments” — very small online or offline payments for things\u003cbr\u003elike a magazine or fast food.","brand":"Altantic eBooks","offers":[{"title":"Default Title","offer_id":47146686710000,"sku":"2940016566214","price":0.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940016566214_p0.jpg?v=1763638212","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940016566214","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}