支付平台Paypal在线支付流程分析

IntroductiontoPayPalPaymentSolutionsa**Source:PayPalsurveyofsmalltomid-sizedbusinesses,November200751%PercentageofconsumerswhowouldhaveabandonedtheirpurchaseifPayPalpaymentswerenotavailable**14%Increaseinsalesforsmalltomid-sizedbusinessesthataddedPayPalExpressCheckout**Source:PayPalstudyofsmall-andmedium-sizedbusinesses,2006141MNumberofPayPalaccountsworldwidePayPalis:

Secure

Simple

FastPayPalHelpsBringYouNewCustomers2DriversofConsumerDemandforPayPalOpportunitiesforMerchantsaThePayPalOpportunity3PayPalGrowthPayPal

helpsyougrowyourbusiness141Maccounts31%yoyvolumegrowth190countries70+currencies1000sofmerchantsaddPayPaleveryyearPayPalisthesafer,easierwaytogetpaidbyonlineshoppersaroundtheworld.aUnderstandingthePaymentProcessingNetworkIndividualsMerchant–sellerofgoodsCustomer–buyerofgoods

InstitutionsCustomer’sIssuingBank–providescustomer’screditcardinformationandverificationMerchant’sAcquiringBank–providesinternetmerchantaccountProcessor–authorizescreditcardtransactionsandsettlesfundsformerchants4aThePaymentNetworkProvidesProcessesandServicesProcessesAuthorization–theprocessofverifyingacustomer’screditcardSettlement–theprocessofcollectingfundsfromthecustomer’saccountServicesPaymentProcessingService–connectsmerchants,customers,andbanksthroughsecureonlinetransactions.

Gateway–thesecurepipebetweenthebanksandtheprocessor5a2Payment

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ServiceAuthorizationProcessCustomerdecidestomakeanonlinepurchaseandinputscreditcardinformation765CustomerMerchant1Processor3Customer’sissuingbank4Merchant’swebsitereceivescustomerinformationandsendsittoapaymentprocessingservicePaymentprocessingserviceroutesinformationtoprocessorProcessorroutesinformationtobankthatissuedcustomer’screditcard(issuingbank)Issuingbanksendsauthorization(ordeclination)toprocessorProcessorroutestransactionresultstopaymentprocessingservicePaymentprocessingservicesendsresultstomerchant6Merchantdecidestoacceptorrejectpurchase86a2Payment

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ServiceProcessorSettlementProcessMerchantinformsthepaymentprocessingservicetosettletransactionsPaymentprocessingservicesendstransactioninformationtotheprocessorProcessorcheckstheinformationandforwardssettledtransactioninformationtotheissuingbankIssuingbanktransfersfundstotheprocessorProcessorroutesfundstotheacquiringbankAcquiringbankcreditsmerchant’sbankaccountIssuingbankincludesmerchant’schargeoncustomer’screditcardaccount64Merchant’sacquiringbank5MerchantCustomer1Customer’sissuingbank377aPayPalProvidesanAll-in-OneSolutionforOnlineMerchantsCustomer’sissuingbankMerchant’sacquiringbankCustomerMerchantProcessorPayment

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ServiceProtectingthesecurityofamerchant’sinformationisthetoppriorityatPayPal..8aUnderstandingtheRisksofInternetFraudAnestimated$2.8BUSDwaslosttoonlinefraudintheU.S.andCanadain2005TherateofcreditcardfraudforonlinesalesisthreetofourtimeshigherthantheoverallfraudrateAuthenticationisachallengeHackerscanbreakintoamerchant’snetworkHackerscanalsostealcustomeridentitiesMultipleaccesspointsforbreak-insVulnerabilitiesabound…

…leadingtolosses9aCommonFraud-RelatedRisksUsingstoleninformationtoopennewcreditcardsIssuingunauthorizedcreditsorpaymentsIdentitytheftCashtheftAccessingapaymentnetworktocompletefraudAccessingpaymentnetworksUsingastolencreditcardtopurchasegoodsandservicesProducttheftChargebacksAcardholderdisputesacreditcardpurchase10aHowtoProtectYourBusinessAgainstFraudTransactionLevelEnsureeachtransactionyouacceptandprocessisvalid,andbecarefulinreviewingsuspicioustransactionsbecausesomemaybevalid.AccountLevelMakesureonlyauthorizedusershaveaccesstoyourpaymentgatewayaccount,andbealertforsuspiciousaccountaccesspatterns.NetworkLevelEnsureyourperimeterisdefendedagainstunauthorizedaccess.12311aYourDisclosurePolicyTellsCustomersthatYouAreHonestandDependableBusinessDescription–ExplainswhatthecompanydoesShippingPolicy–Detailsshippingterms,shippingclassesoffered,&expecteddeliverytimeframePrivacyPolicy–Describeshowthecompanytreatsandprotectscustomers’informationReturnPolicy–ProvidesclearguidelinesonhowareturnishandledContactInformation–Makesiteasyforcustomerstogetintouchwiththemerchantviadifferentcommunicationchannels12aCompliancewithPCIDataSecurityStandardsMustBeFollowedProtectCardholderDataMaintainaVulnerabilityManagementProgramImplementStrongAccessControlMeasuresRegularlyMonitorandTestNetworksMaintainanInformationSecurityPolicyControlObjectiveRequirementBuildandMaintainaSecureNetworkInstallandmaintainafirewallconfigurationtoprotectcardholderdataDonotusevendor-supplieddefaultsforsystempasswordsandothersecurityparametersProtectstoredcardholderdataEncrypttransmissionofcardholderdataacrossopen,publicnetworksUseandregularlyupdateanti-virussoftwareDevelopandmaintainsecuresystemsandapplicationsRestrictaccesstocardholderdatabybusinessneed-to-knowAssignauniqueIDtoeachpersonwithcomputeraccessRestrictphysicalaccesstocardholderdataTrackandmonitorallaccesstonetworkresourcesandcardholderdataRegularlytestsecuritysystemsandprocessesMaintainapolicythataddressesinformationsecurity13aPayPalOffersthePaymentSolutionthatMeetsYourBusinessNeed14PayPalProductsScenario#1AcceptonlinecreditcardpaymentswithminimaleffortScenario#2Buildanall-in-onesolutionforacceptingweb,phone,faxandmailpaymentsScenario#3AcceptPayPal,keepcurrentpaymentprocessorScenario#4ProvideasecureconnectionfromyouronlinestoretoyourmerchantaccountWebsitePaymentsStandardWebsitePaymentsPro**ExpressCheckout**PayflowGateway14aSelectingtheRightProductforYourBusinessProductWebsitePaymentsStandardWebsitePaymentsProExpressCheckoutPayflowGatewayScenarioAcceptonlinecreditcardpaymentswithminimaleffortBuildanall-in-onesolutionforacceptingweb,phone,faxandmailpaymentsAcceptPayPal,keepcurrentmerchantaccountEstablishasecureconnectionbetweenonlinestoreandmerchantaccount,andkeepmerchantaccountInternetmerchantaccountneeded?XXWherecustomerscheckoutPayPalPayPalormerchant’swebsitePayPalPayPalormerchant’swebsiteVirtualTerminalincluded?XXBusinesscreditapprovalneeded?XXX15aWhat’sNext?StartAcceptingPaymentwithPayPal

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16aPayPalShoppingCartforSmall&Mid-SizedBusinessSellingOnline?OfferyourcustomerssecurityandconveniencewithPayPal.UsingPayPaltoprocesspaymentswithinyouronlinestoreallowsyoutoacceptcredit,debitandPayPalpayments.webShapere-commerceisfullyintegratedoutoftheboxwithPayPal.SimplyselectPayPalasapaymentoptionandenteryouruserIDandpasswordtostarttakingPayPalpaymentsfromyoure-commercesite.TestDriveitToday!Logonto.my/DEMO

PayPalE-commerceStoreSolution17a18aTheinformationcontainedinthisdocumentrepresentsthecurrentviewofNeowaveSdnBhdontheissuesdiscussedasofthedateofpublication.BecauseNeowavemustrespondtochangingmarketconditions,itshouldnotbeinterpretedtobeacommitmentonthepartofNeowave,andNeowavecannotguaranteetheaccuracyofanyinformationpresentedafterthedateofpublication.Thisoverviewisforinformationalpurposesonly.NeowaveMAKESNOWARRANTIES,EXPRESSORIMPLIED,INTHISSUMMARY.Useitatyourownrisk.Complyingwithallapplicablecopyrightlawsistheresponsibilityoftheuser.Wit