E-commerce 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 (51) from well-known commercial offerings such as banking by phone, "mail order" catalogs, or sending a purchase order to supplier (52) fax. E-commerce follows the same model (53) in other business transactions; the difference (54) in the details. To a consumer, the most visible form of e-commerce consists (55) online ordering. A customer begins with a catalog of possible items, (56) an item, arranges a form of payment, and (57) an order. Instead of a physical catalog, e-commerce arranges for catalogs to be (58) on the Internet. Instead of sending an order on paper or by telephone, e-commerce arranges for orders to be sent (59) a computer network. Finally, instead of sending a paper representation of payment such as a check, e-commerce (60) one to send payment information electronically. In the decade (61) 1993, e-commerce grew from an (62) novelty (新奇事物) to a mainstream business influence. In 1993, few (63) had a web page, and (64) a handful allowed one to order products or services online. Ten years (65) , both large and small businesses had web pages, and most provided users with the opportunity to place an order. Besides, many banks added online access, and online banking and bill paying became widespread. More importantly, the value of goods and services acquired over the Internet grew dramatically after 1997.