支付平台Paypal在线支付流程分析

1、introduction to paypal payment solutions,paypal is:secure simplefast,paypal helps bring you new customers,2,drivers of consumer demand for paypal,opportunities for merchants,the paypal opportunity,3,paypal growth,paypal helps you grow your business,141m accounts 31% yoy volume growth 190 countries 7

2、0+ currencies 1000s of merchants add paypal every year,paypal is the safer, easier way to get paid by online shoppers around the world.,4,understanding the payment processing network,individuals merchant seller of goods customer buyer of goods,5,the payment network provides processes and services,au

3、thorization process,customer decides to make an online purchase and inputs credit card information,merchants website receives customer information and sends it to a payment processing service,payment processing service routes information to processor,processor routes information to bank that issued

4、customers credit card (issuing bank),issuing bank sends authorization (or declination) to processor,processor routes transaction results to payment processing service,payment processing service sends results to merchant,6,7,settlement process,merchant informs the payment processing service to settle

5、 transactions payment processing service sends transaction information to the processor processor checks the information and forwards settled transaction information to the issuing bank issuing bank transfers funds to the processor processor routes funds to the acquiring bank acquiring bank credits

6、merchants bank account issuing bank includes merchants charge on customers credit card account,7,8,paypal provides an all-in-one solution for online merchants,customers issuing bank,merchants acquiring bank,customer,merchant,processor,payment processing service,protecting the security of a merchants

7、 information is the top priority at paypal. .,9,understanding the risks of internet fraud,an estimated $2.8b usd was lost to online fraud in the u.s. and canada in 2005 the rate of credit card fraud for online sales is three to four times higher than the overall fraud rate,authentication is a challe

8、nge hackers can break into a merchants network hackers can also steal customer identities multiple access points for break-ins,vulnerabilities abound,leading to losses,10,common fraud-related risks,using stolen information to open new credit cards,issuing unauthorized credits or payments,identity th

9、eft,cash theft,accessing a payment network to complete fraud,accessing payment networks,using a stolen credit card to purchase goods and services,product theft,chargebacks,a cardholder disputes a credit card purchase,11,how to protect your business against fraud,transaction level ensure each transac

10、tion you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.,account level make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns.,network level ensure your perimeter is

11、defended against unauthorized access.,1,2,3,12,your disclosure policy tells customers that you are honest and dependable,business description explains what the company does,shipping policy details shipping terms, shipping classes offered, & expected delivery timeframe,privacy policy describes how th

12、e company treats and protects customers information,return policy provides clear guidelines on how a return is handled,contact information makes it easy for customers to get in touch with the merchant via different communication channels,13,compliance with pci data security standards must be followe

13、d,protect cardholder data,maintain a vulnerability management program,implement strong access control measures,regularly monitor and test networks,maintain an information security policy,protect stored cardholder data encrypt transmission of cardholder data across open, public networks,use and regul

14、arly update anti-virus software develop and maintain secure systems and applications,restrict access to cardholder data by business need-to-know assign a unique id to each person with computer access restrict physical access to cardholder data,track and monitor all access to network resources and ca

15、rdholder data regularly test security systems and processes,maintain a policy that addresses information security,paypal offers the payment solution that meets your business need,14,paypal products,scenario #1 accept online credit card payments with minimal effort,scenario #2 build an all-in-one sol

16、ution for accepting web, phone, fax and mail payments,scenario #3 accept paypal, keep current payment processor,scenario #4 provide a secure connection from your online store to your merchant account,15,selecting the right product for your business,whats next ?,start accepting payment with paypalsig

17、n up for paypal account now! subscribe to our ecommerce blog .my/sellmore learn more on fraud alert system .my/fraudalertsystem/,paypal shopping cart for small & mid-sized business,selling online? offer your customers security and convenience with paypal. using paypal to process payments within your

18、 online store allows you to accept credit, debit and paypal payments. webshaper e-commerce is fully integrated out of the box with paypal. simply select paypal as a payment option and enter your user id and password to start taking paypal payments from your e-commerce site. test drive it today! logo

19、n to .my/demo,paypal e-commerce store solution,the information contained in this document represents the current view of neowave sdn bhd on the issues discussed as of the date of publication. because neowave must respond to changing market conditions, it should not be interpreted to be a commitment

20、on the part of neowave, and neowave cannot guarantee the accuracy of any information presented after the date of publication. this overview is for informational purposes only. neowave makes no warranties, express or implied, in this summary. use it at your own risk. complying with all applicable copyright laws is the responsibility of the user. without limiting the rights under copyright, no part of this document may be reproduced, stored in or introduced into a retrieval system, or transmitted in any form or by any means (electronic, mechanical, photocopying, record