Payment Security & Payment Diversity Should Not Cost a Bundle Tyler Hannan IP Commerce, Inc.

Commerce Can Be Confusing RETAILER

Commerce Can Be Confusing RETAILER SVA

Commerce Can Be Confusing ISO SVA RETAILER

Commerce Can Be Confusing RETAILER ISO ACH SVA

Commerce Can Be Confusing RETAILER ISO LOYALTY ACH SVA

Commerce Can Be Confusing RETAILER PCI ISO LOYALTY ACH SVA

Commerce Can Be Confusing RETAILER PCI ISO TPP LOYALTY ACH SVA

Commerce Can Be Confusing RETAILER PCI ISO LOYALTY ACH SVA RDC TPP

Commerce Can Be Confusing RETAILER PCI ISO TPP LOYALTY RDC ACH SVA PA-DSS

Commerce Can Be Confusing RETAILER PCI ISO TPP LOYALTY RDC ACH SVA PA-DSS MCR

Commerce Can Be Confusing RETAILER PCI ISO TPP LOYALTY RDC ACH SVA QSA PA-DSS MCR

Commerce Can Be Confusing RETAILER ?

Industry Requires Transformational Infrastructure Payments Today Through IP Commerce Closed networks Proprietary Hard-coded limitations Limited service provider opportunity – few available services today (credit/debit) Limited to brick and mortar terminals and e-commerce sites Open networks Standards-based Dynamic availability and greater choice Easy plug-in offers unlimited service availability (Check21, Electronic Invoice Presentment and Payment, etc.) Available to the ‘other’ 75% of market One-to-One, Proprietary Network Connections Enables Many-to-One Connections VS. Credit/Debit eCheck Gift Card Credit/Debit ACH Stored Value eCommerce B2B Remittance Lending/Financing

Closed networks

Proprietary

Hard-coded limitations

Limited service provider opportunity – few available services today (credit/debit)

Limited to brick and mortar terminals and e-commerce sites

Open networks

Standards-based

Dynamic availability and greater choice

Easy plug-in offers unlimited service availability (Check21, Electronic Invoice Presentment and Payment, etc.)

Available to the ‘other’ 75% of market

IP Commerce Partners

Toolkit & Platform Overview Commerce Platform Business process management and rules engine, with built-in transaction switch enabling: Service creation and discovery Security and access control Metering and billing Routing transaction messages between applications Data transformation between applications For use by software vendors and developers to payment-enable software Software re-usable across network through single integration Retailer can use the open toolkit to payment enable their legacy platforms For use by Service Providers to integrate services into platform Services re-usable across network thru single integration Software Connectivity Service Connectivity Commerce Toolkits for Services Commerce Toolkits for Applications

Business process management and rules engine, with built-in transaction switch enabling:

Service creation and discovery

Security and access control

Metering and billing

Routing transaction messages between applications

Data transformation between applications

For use by software vendors and developers to payment-enable software

Software re-usable across network through single integration

Retailer can use the open toolkit to payment enable their legacy platforms

For use by Service Providers to integrate services into platform

Services re-usable across network thru single integration

Understanding PA-DSS (aka PABP) Payment Application Data Security Standard Created by Visa to assist software companies in creating secure payment applications Reduces risk to consumers from unauthorized use of payment account information Constitutes the most rigorous security standard common in the payment application marketplace Assists merchants in meeting larger PCI compliance requirements Identifies payment applications that have been validated as PA-DSS compliant

Created by Visa to assist software companies in creating secure payment applications

Reduces risk to consumers from unauthorized use of payment account information

Constitutes the most rigorous security standard common in the payment application marketplace

Assists merchants in meeting larger PCI compliance requirements

Identifies payment applications that have been validated as PA-DSS compliant

Simplifying Security Certification Out-of-box support User credential policy enforcement Payment account data encryption and persistence management Key management Security audit logging Help software companies embed PA-DSS principles into the SDLC Provide for cost-effective PA-DSS assessment with minimal impact on the organization Simplify ongoing maintenance of PA-DSS compliance

Out-of-box support

User credential policy enforcement

Payment account data encryption and persistence management

Key management

Security audit logging

Help software companies embed PA-DSS principles into the SDLC

Provide for cost-effective PA-DSS assessment with minimal impact on the organization

Simplify ongoing maintenance of PA-DSS compliance

Multi-Channel Retail: Today Retailers currently manage a vast network of vendors and providers, many with one-to-one connections. Multiple Integration Points = Unmanageable & Inconsistent Security RETAILER Check/ ACH Gift/ Loyalty PayPal Credit/ Debit Other Payments Web Kiosk Call Center Point of Sale Mobile

Retailers currently manage a vast network of vendors and providers, many with one-to-one connections.

Multiple Integration Points = Unmanageable & Inconsistent Security

Multi-Channel Retail: Vision IP Commerce uses Microsoft Technology to deliver payment services consistently to the entire multi-channel retail segment Single Integration Point = Increased Security RETAILER Check/ ACH Gift/ Loyalty PayPal Credit/ Debit Other Payments Web Kiosk Call Center Point of Sale Mobile IP Commerce Platform & Commerce Toolkits

IP Commerce uses Microsoft Technology to deliver payment services consistently to the entire multi-channel retail segment

Single Integration Point = Increased Security

Microsoft Technology Foundation IP Commerce Platform Microsoft Windows Server Microsoft Commerce Server Microsoft SQL Server Microsoft Windows Vista Enterprise Retail Applications Small/Medium Business Applications Microsoft Office Accounting Microsoft Office 2007 Commerce Toolkit for MCR Commerce Toolkits Commerce Toolkit for Applications

Commerce Server Architecture SQL Server Commerce Server 2007 Commerce Server Management Pack MOM 2005 MMC Order Subsystem Profile Subsystem Catalog Subsystem Inventory Subsystem Marketing Subsystem Data Warehouse & Analytics ASPNET 2.0 Internet Information Services Business Intelligence Functions SQL Reporting Services Database Custom Applications Smart Client Applications Catalog and Inventory Manager Customers And Orders Manager Marketing Manager ASP.NET Application N Web Applications ASP.NET Application 1 ASP.NET Application 2 BizTalk Server 2006 ERP CRM Other LOB Apps BizTalk Adapters IP Commerce Platform Credit/Debit Check/ACH Gift/Loyalty eCommerce Payment Accelerator

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