支付平台Paypal在线支付流程分析.ppt

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1、PayPal Shopping Cart Software支付平台Paypal在线支付流程分析 Still waters run deep.流静水深流静水深,人静心深人静心深 Where there is life,there is hope。有生命必有希望。有生命必有希望*Source:PayPal survey of small to mid-sized businesses,November 200751%Percentage of consumers who would have abandoned their purchase if PayPal payments were not

2、available*14%Increase in sales for small to mid-sized businesses that added PayPal Express Checkout*Source:PayPal study of small-and medium-sized businesses,2006141MNumber of PayPal accounts worldwidePayPal is:SecureSimpleFastPayPal Helps Bring You New Customers2Drivers of ConsumerDemand for PayPalO

3、pportunities for MerchantsThe PayPal Opportunity3 PayPal GrowthPayPal helps you grow your business141M accounts31%yoy volume growth190 countries70+currencies1000s of merchants add PayPal every yearPayPal is the safer,easier way to get paid by online shoppers around the world.PayPal Shopping Cart Sof

4、twareUnderstanding the Payment Processing Network4IndividualsMerchant seller of goodsCustomer buyer of goodsInstitutionsCustomers Issuing Bank provides customers credit card information and verification Merchants Acquiring Bank provides internet merchant account Processor authorizes credit card tran

5、sactions and settles funds for merchants PayPal Shopping Cart SoftwareThe Payment Network Provides Processes and Services5ProcessesAuthorization the process of verifying a customers credit card Settlement the process of collecting funds from the customers accountServicesPayment Processing Service co

6、nnects merchants,customers,and banks through secure online transactions.Gateway the secure pipe between the banks and the processorPayPal Shopping Cart Software2Payment Processing ServiceAuthorization Process 1.Customer decides to make an online purchase and inputs credit card information765Customer

7、Merchant1Processor3Customers issuing bank42.Merchants website receives customer information and sends it to a payment processing service3.Payment processing service routes information to processor4.Processor routes information to bank that issued customers credit card(issuing bank)5.Issuing bank sen

8、ds authorization(or declination)to processor6.Processor routes transaction results to payment processing service7.Payment processing service sends results to merchant68.Merchant decides to accept or reject purchase8PayPal Shopping Cart Software2Payment Processing ServiceProcessorSettlement Process71

9、.Merchant informs the payment processing service to settle transactions2.Payment processing service sends transaction information to the processor3.Processor checks the information and forwards settled transaction information to the issuing bank4.Issuing bank transfers funds to the processor5.Proces

10、sor routes funds to the acquiring bank6.Acquiring bank credits merchants bank account7.Issuing bank includes merchants charge on customers credit card account64Merchants acquiring bank5MerchantCustomer1Customers issuing bank37PayPal Shopping Cart SoftwarePayPal Provides an All-in-One Solution for On

11、line Merchants8Customers issuing bankMerchants acquiring bankCustomerMerchantProcessorPayment Processing ServiceProtecting the security of a merchants information is the top priority at PayPal.PayPal Shopping Cart SoftwareUnderstanding the Risks of Internet Fraud9An estimated$2.8B USD was lost to on

12、line fraud in the U.S.and Canada in 2005The rate of credit card fraud for online sales is three to four times higher than the overall fraud rateAuthentication is a challengeHackers can break into a merchants networkHackers can also steal customer identities Multiple access points for break-ins Vulne

13、rabilities abound leading to lossesPayPal Shopping Cart SoftwareCommon Fraud-Related Risks10Using stolen information to open new credit cardsIssuing unauthorized credits or payments Identity theft Cash theft Accessing a payment network to complete fraudAccessing payment networks Using a stolen credi

14、t card to purchase goods and servicesProduct theftChargebacks A cardholder disputes a credit card purchasePayPal Shopping Cart SoftwareHow to Protect Your Business Against Fraud11Transaction LevelEnsure each transaction you accept and process is valid,and be careful in reviewing suspicious transacti

15、ons because some may be valid.Account LevelMake sure only authorized users have access to your payment gateway account,and be alert for suspicious account access patterns.Network LevelEnsure your perimeter is defended against unauthorized access.123PayPal Shopping Cart SoftwareYour Disclosure Policy

16、 Tells Customers that You Are Honest and Dependable121Business Description Explains what the company does3Shipping Policy Details shipping terms,shipping classes offered,&expected delivery timeframe2Privacy Policy Describes how the company treats and protects customers information4Return Policy Prov

17、ides clear guidelines on how a return is handled5Contact Information Makes it easy for customers to get in touch with the merchant via different communication channelsPayPal Shopping Cart SoftwareCompliance with PCI Data Security Standards Must Be Followed13Protect Cardholder Data Maintain a Vulnera

18、bility Management Program Implement Strong Access Control Measures Regularly Monitor and Test Networks Maintain an Information Security Policy Control ObjectiveRequirementBuild and Maintain a Secure Network 1.Install and maintain a firewall configuration to protect cardholder data 2.Do not use vendo

19、r-supplied defaults for system passwords and other security parameters 3.Protect stored cardholder data 4.Encrypt transmission of cardholder data across open,public networks 5.Use and regularly update anti-virus software 6.Develop and maintain secure systems and applications 7.Restrict access to car

20、dholder data by business need-to-know 8.Assign a unique ID to each person with computer access 9.Restrict physical access to cardholder data 10.Track and monitor all access to network resources and cardholder data 11.Regularly test security systems and processes 12.Maintain a policy that addresses i

21、nformation securityPayPal Shopping Cart SoftwarePayPal Offers the Payment Solution that Meets Your Business Need14PayPal ProductsScenario#1Accept online credit card payments with minimal effortScenario#2Build an all-in-one solution for accepting web,phone,fax and mail paymentsScenario#3Accept PayPal

22、,keep current payment processorScenario#4Provide a secure connection from your online store to your merchant accountWebsite Payments StandardWebsite Payments Pro*Express Checkout*Payflow GatewayPayPal Shopping Cart SoftwareSelecting the Right Product for Your Business15ProductWebsite Payments Standa

23、rdWebsite Payments ProExpress CheckoutPayflow GatewayScenarioAccept online credit card payments with minimal effortBuild an all-in-one solution for accepting web,phone,fax and mail paymentsAccept PayPal,keep current merchant accountEstablish a secure connection between online store and merchant acco

24、unt,and keep merchant accountInternet merchant account needed?XX Where customers checkoutPayPalPayPal or merchants websitePayPalPayPal or merchants websiteVirtual Terminal included?X X Business credit approval needed?X XXPayPal Shopping Cart SoftwareWhats Next?Start Accepting Payment with PayPalSign

25、 up for PayPal Account Now!Subscribe to Our Ecommerce Blog http:/.my/SELLMORELearn more on Fraud Alert System http:/.my/FraudAlertSystem/PayPal Shopping Cart SoftwarePayPal Shopping Cart for Small&Mid-Sized BusinessSelling Online?Offer your customers security and convenience with PayPal.Using PayPal

26、 to process payments within your 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 si

27、te.Test Drive it Today!Logon to http:/.my/DEMO PayPal E-commerce Store Solution PayPal Shopping Cart SoftwarePayPal Shopping Cart SoftwareThe information contained in this document represents the current view of Neowave Sdn Bhd on the issues discussed as of the date of publication.BecauseNeowave mus

28、t respond to changing market conditions,it should not be interpreted to be a commitment on the part of Neowave,and Neowave cannotguarantee the accuracy of any information presented after the date of publication.This overview is for informational purposes only.Neowave MAKES NO WARRANTIES,EXPRESS OR I

29、MPLIED,IN THIS SUMMARY.Use it at your ownrisk.Complying with all applicable copyright laws is the responsibility of the user.Without limiting the rights under copyright,no part of this document may bereproduced,stored in or introduced into a retrieval system,or transmitted in any form or by any mean

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31、y provided in any written license agreement from Neowave,the furnishing of this document does not give you any license to these patents,trademarks,copyrights,or other intellectual property.Neowave and webShaper are either registered trademarks or trademarks of Neowave Sdn Bhd in Malaysia and/or other countries.The names of actualcompanies and products mentioned herein may be the trademarks of their respective owners.