E-marketing refers to applying marketing principles online, especially via the internet. It involves both direct and indirect marketing using various technologies to connect businesses with customers. E-business covers a broader scope than e-commerce, including customer relationship management, business partnerships, e-learning, and electronic transactions within an organization. Secure Electronic Transfer (SET) is a standard for secure credit/debit card transactions online endorsed by major players. Common e-payment methods include one-time payments for online shopping, recurring payments for bills, and automatic bank payments. Business models include business-to-business, business-to-consumer, and business-to-government.