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.
    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.
    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.