支付平台Paypal在线支付流程分析.ppt

IntroductiontoPayPalPaymentSolutions,PayPalis:SecureSimpleFast,PayPalHelpsBringYouNewCustomers,2,DriversofConsumerDemandforPayPal,OpportunitiesforMerchants,ThePayPalOpportunity,3,PayPalGrowth,PayPalhelpsyougrowyourbusiness,141Maccounts31%yoyvolumegrowth190countries70+currencies1000sofmerchantsaddPayPaleveryyear,PayPalisthesafer,easierwaytogetpaidbyonlineshoppersaroundtheworld.,UnderstandingthePaymentProcessingNetwork,4,IndividualsMerchantsellerofgoodsCustomerbuyerofgoods,ThePaymentNetworkProvidesProcessesandServices,5,AuthorizationProcess,Customerdecidestomakeanonlinepurchaseandinputscreditcardinformation,Merchantswebsitereceivescustomerinformationandsendsittoapaymentprocessingservice,Paymentprocessingserviceroutesinformationtoprocessor,Processorroutesinformationtobankthatissuedcustomerscreditcard(issuingbank),Issuingbanksendsauthorization(ordeclination)toprocessor,Processorroutestransactionresultstopaymentprocessingservice,Paymentprocessingservicesendsresultstomerchant,6,SettlementProcess,7,MerchantinformsthepaymentprocessingservicetosettletransactionsPaymentprocessingservicesendstransactioninformationtotheprocessorProcessorcheckstheinformationandforwardssettledtransactioninformationtotheissuingbankIssuingbanktransfersfundstotheprocessorProcessorroutesfundstotheacquiringbankAcquiringbankcreditsmerchantsbankaccountIssuingbankincludesmerchantschargeoncustomerscreditcardaccount,7,PayPalProvidesanAll-in-OneSolutionforOnlineMerchants,8,Customersissuingbank,Merchantsacquiringbank,Customer,Merchant,Processor,PaymentProcessingService,ProtectingthesecurityofamerchantsinformationisthetoppriorityatPayPal.,UnderstandingtheRisksofInternetFraud,9,Anestimated$2.8BUSDwaslosttoonlinefraudintheU.S.andCanadain2005Therateofcreditcardfraudforonlinesalesisthreetofourtimeshigherthantheoverallfraudrate,AuthenticationisachallengeHackerscanbreakintoamerchantsnetworkHackerscanalsostealcustomeridentitiesMultipleaccesspointsforbreak-ins,Vulnerabilitiesabound,leadingtolosses,CommonFraud-RelatedRisks,10,Usingstoleninformationtoopennewcreditcards,Issuingunauthorizedcreditsorpayments,Identitytheft,Cashtheft,Accessingapaymentnetworktocompletefraud,Accessingpaymentnetworks,Usingastolencreditcardtopurchasegoodsandservices,Producttheft,Chargebacks,Acardholderdisputesacreditcardpurchase,HowtoProtectYourBusinessAgainstFraud,11,TransactionLevelEnsureeachtransactionyouacceptandprocessisvalid,andbecarefulinreviewingsuspicioustransactionsbecausesomemaybevalid.,AccountLevelMakesureonlyauthorizedusershaveaccesstoyourpaymentgatewayaccount,andbealertforsuspiciousaccountaccesspatterns.,NetworkLevelEnsureyourperimeterisdefendedagainstunauthorizedaccess.,1,2,3,YourDisclosurePolicyTellsCustomersthatYouAreHonestandDependable,12,BusinessDescriptionExplainswhatthecompanydoes,ShippingPolicyDetailsshippingterms,shippingclassesoffered,&expecteddeliverytimeframe,PrivacyPolicyDescribeshowthecompanytreatsandprotectscustomersinformation,ReturnPolicyProvidesclearguidelinesonhowareturnishandled,ContactInformationMakesiteasyforcustomerstogetintouchwiththemerchantviadifferentcommunicationchannels,CompliancewithPCIDataSecurityStandardsMustBeFollowed,13,ProtectCardholderData,MaintainaVulnerabilityManagementProgram,ImplementStrongAccessControlMeasures,RegularlyMonitorandTestNetworks,MaintainanInformationSecurityPolicy,ProtectstoredcardholderdataEncrypttransmissionofcardholderdataacrossopen,publicnetworks,Useandregularlyupdateanti-virussoftwareDevelopandmaintainsecuresystemsandapplications,Restrictaccesstocardholderdatabybusinessneed-to-knowAssignauniqueIDtoeachpersonwithcomputeraccessRestrictphysicalaccesstocardholderdata,TrackandmonitorallaccesstonetworkresourcesandcardholderdataRegularlytestsecuritysystemsandprocesses,Maintainapolicythataddressesinformationsecurity,PayPalOffersthePaymentSolutionthatMeetsYourBusinessNeed,14,PayPalProducts,Scenario#1Acceptonlinecreditcardpaymentswithminimaleffort,Scenario#2Buildanall-in-onesolutionforacceptingweb,phone,faxandmailpayments,Scenario#3AcceptPayPal,keepcurrentpaymentprocessor,Scenario#4Provideasecureconnectionfromyouronlinestoretoyourmerchantaccount,SelectingtheRightProductforYourBusiness,15,WhatsNext?,StartAcceptingPaymentwithPayPalSignupforPayPalAccountNow!SubscribetoOurEcommerceBlog.my/SELLMORELearnmoreonFraudAlertSystem.my/FraudAlertSystem/,PayPalShoppingCartforSmall&Mid-SizedBusiness,SellingOnline?OfferyourcustomerssecurityandconveniencewithPayPal.UsingPayPaltoprocesspaymentswithinyouronlinestoreallowsyoutoacceptcredit,debitandPayPalpayments.webShapere-commerceisfullyintegratedoutoftheboxwithPayPal.SimplyselectPayPalasapaymentoptionandenteryouruserIDandpasswordtostarttakingPayPalpaymentsfromyoure-commercesite.TestDriveitToday!Logonto.my/DEMO,PayPalE-commerceStoreSolution,TheinformationcontainedinthisdocumentrepresentsthecurrentviewofNeowaveSdnBhdontheissuesdiscussedasofthedateofpublication.BecauseNeowavemustrespondtochangingmarketconditions,itshouldnotbeinterpretedtobeacommitmentonthepartofNeowave,andNeowavecannotguaranteetheaccuracyofanyinformationpresentedafterthedateofpublication.Thisoverviewisforinformationalpurposesonly.NeowaveMAKESNOWARRANTIES,EXPRESSORIMPLIED,INTHISSUMMARY.Useitatyourownrisk.Complyingwithallapplicablecopyrightlawsistheresponsibilityoftheuser.Withoutlimitingtherightsundercopyright,nopartofthisdocumentmaybereproduced,storedinorintroducedintoaretrievalsystem,ortransmittedinanyformorbyanymeans(electronic,mechanical,photocopying