支付平台Paypal在线支付流程分析

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

Secure

Simple

FastPayPalHelpsBringYouNewCustomers2DriversofConsumerDemandforPayPalOpportunitiesforMerchantsThePayPalOpportunity3PayPalGrowthPayPal

helpsyougrowyourbusiness141Maccounts31%yoyvolumegrowth190countries70+currencies1000sofmerchantsaddPayPaleveryyearPayPalisthesafer,easierwaytogetpaidbyonlineshoppersaroundtheworld.ThePaymentNetworkProvidesProcessesandServices5ProcessesAuthorization–theprocessofverifyingacustomer’screditcardSettlement–theprocessofcollectingfundsfromthecustomer’saccountServicesPaymentProcessingService–connectsmerchants,customers,andbanksthroughsecureonlinetransactions.

Gateway–thesecurepipebetweenthebanksandtheprocessor2Payment

Processing

ServiceAuthorizationProcessCustomerdecidestomakeanonlinepurchaseandinputscreditcardinformation765CustomerMerchant1Processor3Customer’sissuingbank4Merchant’swebsitereceivescustomerinformationandsendsittoapaymentprocessingservicePaymentprocessingserviceroutesinformationtoprocessorProcessorroutesinformationtobankthatissuedcustomer’screditcard(issuingbank)Issuingbanksendsauthorization(ordeclination)toprocessorProcessorroutestransactionresultstopaymentprocessingservicePaymentprocessingservicesendsresultstomerchant6Merchantdecidestoacceptorrejectpurchase82Payment

Processing

ServiceProcessorSettlementProcess7MerchantinformsthepaymentprocessingservicetosettletransactionsPaymentprocessingservicesendstransactioninformationtotheprocessorProcessorcheckstheinformationandforwardssettledtransactioninformationtotheissuingbankIssuingbanktransfersfundstotheprocessorProcessorroutesfundstotheacquiringbankAcquiringbankcreditsmerchant’sbankaccountIssuingbankincludesmerchant’schargeoncustomer’screditcardaccount64Merchant’sacquiringbank5MerchantCustomer1Customer’sissuingbank37UnderstandingtheRisksofInternetFraud9Anestimated$2.8BUSDwaslosttoonlinefraudintheU.S.andCanadain2005TherateofcreditcardfraudforonlinesalesisthreetofourtimeshigherthantheoverallfraudrateAuthenticationisachallengeHackerscanbreakintoamerchant’snetworkHackerscanalsostealcustomeridentitiesMultipleaccesspointsforbreak-insVulnerabilitiesabound…

…leadingtolossesCommonFraud-RelatedRisks10UsingstoleninformationtoopennewcreditcardsIssuingunauthorizedcreditsorpaymentsIdentitytheftCashtheftAccessingapaymentnetworktocompletefraudAccessingpaymentnetworksUsingastolencreditcardtopurchasegoodsandservicesProducttheftChargebacksAcardholderdisputesacreditcardpurchaseHowtoProtectYourBusinessAgainstFraud11TransactionLevelEnsureeachtransactionyouacceptandprocessisvalid,andbecarefulinreviewingsuspicioustransactionsbecausesomemaybevalid.AccountLevelMakesureonlyauthorizedusershaveaccesstoyourpaymentgatewayaccount,andbealertforsuspiciousaccountaccesspatterns.NetworkLevelEnsureyourperimeterisdefendedagainstunauthorizedaccess.123CompliancewithPCIDataSecurityStandardsMustBeFollowed13ProtectCardholderDataMaintainaVulnerabilityManagementProgramImplementStrongAccessControlMeasuresRegularlyMonitorandTestNetworksMaintainanInformationSecurityPolicyControlObjectiveRequirementBuildandMaintainaSecureNetworkInstallandmaintainafirewallconfigurationtoprotectcardholderdataDonotusevendor-supplieddefaultsforsystempasswordsandothersecurityparametersProtectstoredcardholderdataEncrypttransmissionofcardholderdataacrossopen,publicnetworksUseandregularlyupdateanti-virussoftwareDevelopandmaintainsecuresystemsandapplicationsRestrictaccesstocardholderdatabybusinessneed-to-knowAssignauniqueIDtoeachpersonwithcomputeraccessRestrictphysicalaccesstocardholderdataTrackandmonitorallaccesstonetworkresourcesandcardholderdataRegularlytestsecuritysystemsandprocessesMaintainapolicythataddressesinformationsecurityPayPalOffersthePaymentSolutionthatMeetsYourBusinessNeed14PayPalProductsScenario#1AcceptonlinecreditcardpaymentswithminimaleffortScenario#2Buildanall-in-onesolutionforacceptingweb,phone,faxandmailpaymentsScenario#3AcceptPayPal,keepcurrentpaymentprocessorScenario#4ProvideasecureconnectionfromyouronlinestoretoyourmerchantaccountWebsitePaymentsStandardWebsitePaymentsPro**ExpressCheckout**PayflowGatewaySelectingtheRightProductforYourBusiness15ProductWebsitePaymentsStandardWebsitePaymentsProExpressCheckoutPayflowGatewayScenarioAcceptonlinecreditcardpaymentswithminimaleffortBuildanall-in-onesolutionforacceptingweb,phone,faxandmailpaymentsAcceptPayPal,keepcurrentmerchantaccountEstablishasecureconnectionbetweenonlinestoreandmerchantaccount,andkeepmerchantaccountInternetmerchantaccountneeded?XXWherecustomerscheckoutPayPalPayPalormerchant’swebsitePayPalPayPalormerchant’swebsiteVirtualTerminalincluded?XXBusinesscreditapprovalneeded?XXXPayPalShoppingCartforSmall&Mid-SizedBusinessSellingOnline?OfferyourcustomerssecurityandconveniencewithPayPal.UsingPayPaltoprocesspaymentswithinyouronlinestoreallowsyoutoacceptcredit,debitandPayPalpayments.webShapere-commerceisfullyintegratedoutoftheboxwithPayPal.SimplyselectPayPalasapaymentoptionandenteryouruserIDandpasswordtostarttakingPayPalpaymentsfromyoure-commercesite.TestDriveitToday!LogontoPayPalE-commerceStoreSolutionTheinformationcontainedinthisdocumentrepresentsthecurrentviewofNeowaveSdnBhdontheissuesdiscussedasofthedateofpublication.BecauseNeowavemustrespondtochangingmarketconditions,itshouldnotbeinterpretedtobeacommitmentonthepartofNeowave,andNeowavecannotguaranteetheaccuracyofanyinformationpresentedafterthedateofpublication.Thisoverviewisforinformationalpurposesonly.NeowaveMAKESNOWARRANTIES,EXPRESSORIMPLIED,INTHISSUMMARY.Useitatyourownrisk.Complyingwithallapplicablecopyrightlawsistheresponsibilityoftheuser.Withoutlimitingtherightsundercopyright,nopartofthisdocumentmaybereproduced,storedinorintroducedintoaretrievalsystem,