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Copyright Richard Dumm and Deborah Meder, Pennsylvania State University,  2003. This work is the intellectual property of ...
Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder As...
Presentation Objective <ul><li>Payment Processing Concepts </li></ul><ul><li>Future Evolution of eCommerce </li></ul><ul><...
Penn State  Adventures in eCommerce
Adventures: Summary
Adventures: History <ul><li>Summer 1999 – IBM Net.Commerce Project </li></ul><ul><li>August 2001 – First Million $$ Day </...
Adventures: Merchants <ul><li>40+ merchants using eCommerce services today </li></ul><ul><li>90+ merchants total at Penn S...
Adventures: Applications 12 Web Applications: <ul><li>ADMISSIONS Applications (Grad and Undergrad) </li></ul><ul><li>TRANS...
Adventures: Applications <ul><li>STUDENT ACCOUNT and eBILL  </li></ul><ul><ul><li>Tuition payments / eLION </li></ul></ul>...
Adventures: Applications <ul><li>SMEAL – Global Trading Competition </li></ul><ul><li>ePAY – Most Popular </li></ul><ul><l...
Adventures: Summary <ul><li>eCommerce continues to Grow at Penn State </li></ul><ul><li>AIS is developing infrastructure t...
Credit Card Payment Processing Concepts
Payment Processing: Defined  <ul><li>On-Line Payment Processing </li></ul><ul><ul><li>The buying and selling of products a...
Payment Processing: Components AUTHORIZE... Cardholder Issuing Bank Cardholder / Customer Processor Credit Card Associatio...
Payment Processing: Phases  <ul><li>Settlement (Batch Deposit) </li></ul><ul><ul><li>Verifies that the card is active </li...
Putting it all together: Authorization Cardholder / Customer Payment Gateway Processor Cardholder Issuing Bank Processor P...
Putting it all together: Settlement Cardholder / Customer Payment Gateway Cardholder Issuing Bank Processor Acquiring Bank...
Payment Processing: Fraud <ul><li>Card Present vs. Card Not Present </li></ul><ul><li>Authorization vs. Address Verificati...
Payment Processing: Summary <ul><li>Coordinating the flow of secured transactions among a complex network of processors an...
The Penn State eCommerce Infrastructure
Infrastructure:  Imperative <ul><li>Establish a single, central, secure, scalable and available eCommerce capability for P...
Infrastructure: Components <ul><li>IBM WebSphere Payment Manager </li></ul><ul><li>Wintel Servers </li></ul><ul><li>IBM HT...
Infrastructure:  Components Internet (https) App Server Payment Mgr Web Server Database Wintel Servers Java/J2EE Payment G...
Infrastructure: Support Organization AIS Web Team Support Center
Infrastructure: Summary <ul><li>The Penn State eCommerce infrastructure consists of various hardware and software componen...
eCommerce Services
eCommerce Services: <ul><li>ePayment </li></ul><ul><li>ePay </li></ul><ul><li>Generalized Interface Web Services </li></ul...
Services: ePayment <ul><li>ePayment API for Credit Card Processing </li></ul><ul><ul><li>HTTPS post with XML response </li...
Services: ePayment <ul><li>Merchant Administration Tools </li></ul><ul><ul><li>Credit Card Search </li></ul></ul><ul><ul><...
Services: ePAY <ul><li>“ Virtual” Credit Card Terminal </li></ul><ul><ul><li>Reporting Tool </li></ul></ul><ul><ul><li>Web...
Services:    Generalized Interface Web Services <ul><li>New Service Offering </li></ul><ul><li>Integrates to ePay Tools </...
Services: eStore Hosting <ul><li>AIS provides “Framework” for Hosting Penn State eCommerce Stores </li></ul><ul><li>Host t...
Services: eStore Hosting <ul><ul><li>Help / FAQ / Contact Us </li></ul></ul><ul><li>Includes Shopping Basics: </li></ul><u...
Services: eStore Hosting <ul><li>Provide Merchant Admin Tools </li></ul><ul><ul><li>Reporting </li></ul></ul><ul><ul><li>C...
Services: eStore Hosting <ul><li>https://ecommerce.psu.edu </li></ul><ul><ul><li>Pennsylvania State Data Center </li></ul>...
eCommerce Services: <ul><li>ePayment </li></ul><ul><li>ePay </li></ul><ul><li>Generalized Interface Web Services </li></ul...
Partners in the  Request for Proposal Process
Partners in RFP Process <ul><li>Internal:  AIS(ITS), Controller, Finance & Business, & Merchants </li></ul><ul><ul><li>Cus...
Partners in RFP Process <ul><li>Banks and Processors </li></ul><ul><ul><li>Vendor Background/Experience </li></ul></ul><ul...
Future Evolution of eCommerce
Future Evolution: Technical <ul><li>Integrate with Business Systems </li></ul><ul><li>Expand and Enhance eCommerce Service...
Future Evolution: Administrative <ul><li>Consolidate Processing through eCommerce Server </li></ul><ul><li>Automate Settle...
Conclusion <ul><li>Payment Processing Concepts </li></ul><ul><li>Future Evolution of eCommerce </li></ul><ul><li>Penn Stat...
Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder As...
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Winter 2003

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  • eStore Hosting Services provide the framework and tools necessary for Penn State departments to host and maintain eCommerce sites for the sale of merchandise or other services. CLICK THRU Payment Processing is Handled with our ePAYMENT API
  • Transcript of "Winter 2003 "

    1. 1. Copyright Richard Dumm and Deborah Meder, Pennsylvania State University, 2003. This work is the intellectual property of the author. Permission is granted for this material to be shared for non-commercial, educational purposes, provided that this copyright statement appears on the reproduced materials and notice is given that the copying is by permission of the author. To disseminate otherwise or to republish requires written permission from the author.
    2. 2. Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder Assistant Controller University Financial Officers
    3. 3. Presentation Objective <ul><li>Payment Processing Concepts </li></ul><ul><li>Future Evolution of eCommerce </li></ul><ul><li>Penn State Adventures in eCommerce </li></ul><ul><li>Partners in the Request for Proposal Process </li></ul><ul><li>eCommerce infrastructure and Services </li></ul>
    4. 4. Penn State Adventures in eCommerce
    5. 5. Adventures: Summary
    6. 6. Adventures: History <ul><li>Summer 1999 – IBM Net.Commerce Project </li></ul><ul><li>August 2001 – First Million $$ Day </li></ul><ul><li>Fall 1998 – Cybercash pilot w/Undergrad Admissions Application </li></ul><ul><li>July 2002 – Migrated to IBM WebSphere Payment Manager </li></ul><ul><li>Today - $75 million processed in over 175,000 transactions </li></ul><ul><li>Fall 1999 – First Authorized Transaction </li></ul>
    7. 7. Adventures: Merchants <ul><li>40+ merchants using eCommerce services today </li></ul><ul><li>90+ merchants total at Penn State </li></ul>
    8. 8. Adventures: Applications 12 Web Applications: <ul><li>ADMISSIONS Applications (Grad and Undergrad) </li></ul><ul><li>TRANSCRIPTS (REGISTRAR) </li></ul><ul><ul><li>Large Volume, Low $ </li></ul></ul><ul><li>WORLD CAMPUS Registration (2) </li></ul>
    9. 9. Adventures: Applications <ul><li>STUDENT ACCOUNT and eBILL </li></ul><ul><ul><li>Tuition payments / eLION </li></ul></ul><ul><ul><li>Smaller Volume, Large $ Amounts </li></ul></ul><ul><ul><li>Integrated into Student System </li></ul></ul><ul><li>Id+ OFFICE </li></ul><ul><ul><li>Add funds to meal plans </li></ul></ul>
    10. 10. Adventures: Applications <ul><li>SMEAL – Global Trading Competition </li></ul><ul><li>ePAY – Most Popular </li></ul><ul><li>eSTORE Hosting </li></ul><ul><ul><li>Golf Store </li></ul></ul><ul><ul><li>PA State Data Center </li></ul></ul><ul><ul><li>Palmer Art Museum </li></ul></ul>
    11. 11. Adventures: Summary <ul><li>eCommerce continues to Grow at Penn State </li></ul><ul><li>AIS is developing infrastructure to support and manage this growth </li></ul>
    12. 12. Credit Card Payment Processing Concepts
    13. 13. Payment Processing: Defined <ul><li>On-Line Payment Processing </li></ul><ul><ul><li>The buying and selling of products and services by businesses and consumers over the internet </li></ul></ul><ul><li>eCommerce </li></ul><ul><ul><li>Coordinating the flow of secured transactions among a complex network of processors and financial institutions </li></ul></ul>
    14. 14. Payment Processing: Components AUTHORIZE... Cardholder Issuing Bank Cardholder / Customer Processor Credit Card Associations Settlement Acquiring Bank Payment Gateway Merchant Bank Merchant
    15. 15. Payment Processing: Phases <ul><li>Settlement (Batch Deposit) </li></ul><ul><ul><li>Verifies that the card is active </li></ul></ul><ul><li>Authorization </li></ul><ul><ul><li>Capture </li></ul></ul><ul><ul><li>Verifies Cardholder has sufficient credit </li></ul></ul><ul><ul><li>Cardholder’s Open-To-Buy is reduced </li></ul></ul><ul><ul><li>Cardholder account is charged </li></ul></ul><ul><ul><li>$$ deposited to Merchant Bank Acct </li></ul></ul>
    16. 16. Putting it all together: Authorization Cardholder / Customer Payment Gateway Processor Cardholder Issuing Bank Processor Payment Gateway Merchant Merchant
    17. 17. Putting it all together: Settlement Cardholder / Customer Payment Gateway Cardholder Issuing Bank Processor Acquiring Bank Merchant Bank Merchant
    18. 18. Payment Processing: Fraud <ul><li>Card Present vs. Card Not Present </li></ul><ul><li>Authorization vs. Address Verification (AVS) </li></ul><ul><li>Card Verification Value (CVV) </li></ul><ul><li>Fraud Protection Programs </li></ul>
    19. 19. Payment Processing: Summary <ul><li>Coordinating the flow of secured transactions among a complex network of processors and financial institutions </li></ul>
    20. 20. The Penn State eCommerce Infrastructure
    21. 21. Infrastructure: Imperative <ul><li>Establish a single, central, secure, scalable and available eCommerce capability for Penn State </li></ul>
    22. 22. Infrastructure: Components <ul><li>IBM WebSphere Payment Manager </li></ul><ul><li>Wintel Servers </li></ul><ul><li>IBM HTTP Server (Apache) </li></ul><ul><li>IBM WebSphere Application Server </li></ul><ul><li>IBM DB2 Database </li></ul><ul><li>JAVA Programming Environment </li></ul>
    23. 23. Infrastructure: Components Internet (https) App Server Payment Mgr Web Server Database Wintel Servers Java/J2EE Payment Gateway eCommerce Web App
    24. 24. Infrastructure: Support Organization AIS Web Team Support Center
    25. 25. Infrastructure: Summary <ul><li>The Penn State eCommerce infrastructure consists of various hardware and software components necessary to sustain a: </li></ul><ul><ul><li>Central </li></ul></ul><ul><ul><li>Single </li></ul></ul><ul><ul><li>Secure </li></ul></ul><ul><ul><li>Reliable </li></ul></ul>eCommerce capability.
    26. 26. eCommerce Services
    27. 27. eCommerce Services: <ul><li>ePayment </li></ul><ul><li>ePay </li></ul><ul><li>Generalized Interface Web Services </li></ul><ul><li>eStore Hosting </li></ul>
    28. 28. Services: ePayment <ul><li>ePayment API for Credit Card Processing </li></ul><ul><ul><li>HTTPS post with XML response </li></ul></ul><ul><ul><li>HTTPS requests and response are secured using SSL </li></ul></ul>
    29. 29. Services: ePayment <ul><li>Merchant Administration Tools </li></ul><ul><ul><li>Credit Card Search </li></ul></ul><ul><ul><li>Issuing Refunds </li></ul></ul><ul><ul><li>Reporting </li></ul></ul>
    30. 30. Services: ePAY <ul><li>“ Virtual” Credit Card Terminal </li></ul><ul><ul><li>Reporting Tool </li></ul></ul><ul><ul><li>Web Based Authorization </li></ul></ul><ul><ul><li>Troubleshooting Tool </li></ul></ul><ul><ul><li>Automatic Settlement for Merchant </li></ul></ul>
    31. 31. Services: Generalized Interface Web Services <ul><li>New Service Offering </li></ul><ul><li>Integrates to ePay Tools </li></ul><ul><li>Eliminates ODBC Calls to Database </li></ul><ul><li>ePayment Web Services </li></ul><ul><ul><li>ePaymentAuthorizeAndDeposit </li></ul></ul><ul><ul><li>ePaymentAuthorize </li></ul></ul><ul><ul><li>ePaymentDeposit </li></ul></ul>
    32. 32. Services: eStore Hosting <ul><li>AIS provides “Framework” for Hosting Penn State eCommerce Stores </li></ul><ul><li>Host the Website (Shopping Catalog) </li></ul><ul><ul><li>Maintain hardware and software </li></ul></ul><ul><li>Handle Payment Processing </li></ul>
    33. 33. Services: eStore Hosting <ul><ul><li>Help / FAQ / Contact Us </li></ul></ul><ul><li>Includes Shopping Basics: </li></ul><ul><ul><li>Home / Category Page </li></ul></ul><ul><ul><li>Product Page </li></ul></ul><ul><ul><li>Shopping Cart </li></ul></ul><ul><ul><li>Checkout Page </li></ul></ul><ul><ul><li>Order Status </li></ul></ul>
    34. 34. Services: eStore Hosting <ul><li>Provide Merchant Admin Tools </li></ul><ul><ul><li>Reporting </li></ul></ul><ul><ul><li>Category (Dept.) and Product </li></ul></ul><ul><ul><li>Price </li></ul></ul><ul><ul><li>Inventory </li></ul></ul><ul><ul><li>Order Processing </li></ul></ul>
    35. 35. Services: eStore Hosting <ul><li>https://ecommerce.psu.edu </li></ul><ul><ul><li>Pennsylvania State Data Center </li></ul></ul><ul><ul><li>Gravitational Physics Conference </li></ul></ul><ul><ul><li>Penn State Golf Store </li></ul></ul><ul><ul><li>College of Agricultural Sciences: Conferences & Short Courses </li></ul></ul><ul><ul><li>NEW : Behrend College – College for Kids and Alumni Reunion </li></ul></ul><ul><ul><li>Palmer Art Museum </li></ul></ul>
    36. 36. eCommerce Services: <ul><li>ePayment </li></ul><ul><li>ePay </li></ul><ul><li>Generalized Interface Web Services </li></ul><ul><li>eStore Hosting </li></ul>
    37. 37. Partners in the Request for Proposal Process
    38. 38. Partners in RFP Process <ul><li>Internal: AIS(ITS), Controller, Finance & Business, & Merchants </li></ul><ul><ul><li>Customer & Merchant Needs </li></ul></ul><ul><ul><li>Technical Requirements </li></ul></ul><ul><ul><li>Controls and Reporting </li></ul></ul><ul><ul><li>Service </li></ul></ul>
    39. 39. Partners in RFP Process <ul><li>Banks and Processors </li></ul><ul><ul><li>Vendor Background/Experience </li></ul></ul><ul><ul><li>Processing </li></ul></ul><ul><ul><li>Technical Capabilities </li></ul></ul><ul><ul><li>Information Reporting </li></ul></ul><ul><ul><li>Implementation </li></ul></ul><ul><ul><li>Customer Service and Quality </li></ul></ul><ul><ul><li>Pricing </li></ul></ul>
    40. 40. Future Evolution of eCommerce
    41. 41. Future Evolution: Technical <ul><li>Integrate with Business Systems </li></ul><ul><li>Expand and Enhance eCommerce Services </li></ul><ul><li>Keep Current with eCommerce Technologies and Security… </li></ul>
    42. 42. Future Evolution: Administrative <ul><li>Consolidate Processing through eCommerce Server </li></ul><ul><li>Automate Settlement and Cash Reporting </li></ul><ul><li>Streamline Account Reconciliation </li></ul><ul><li>Actively Manage Discount Fees to Reduce Costs </li></ul>
    43. 43. Conclusion <ul><li>Payment Processing Concepts </li></ul><ul><li>Future Evolution of eCommerce </li></ul><ul><li>Penn State Adventures in eCommerce </li></ul><ul><li>Partners in the Request for Proposal Process </li></ul><ul><li>eCommerce Infrastructure and Services </li></ul>
    44. 44. Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder Assistant Controller University Financial Officers
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