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eCommerce Infrastructure ( 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...
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...
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...
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E commerce infrastructure

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E commerce infrastructure

  1. 1. eCommerce Infrastructure ( Credit Card Payment Processing Concepts)
  2. 2. 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>
  3. 3. Payment Processing: Components AUTHORIZE... Cardholder Issuing Bank Cardholder / Customer Processor Credit Card Associations Settlement Acquiring Bank Payment Gateway Merchant Bank Merchant
  4. 4. 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>
  5. 5. Putting it all together: Authorization Cardholder / Customer Payment Gateway Processor Cardholder Issuing Bank Processor Payment Gateway Merchant Merchant
  6. 6. Putting it all together: Settlement Cardholder / Customer Payment Gateway Cardholder Issuing Bank Processor Acquiring Bank Merchant Bank Merchant
  7. 7. 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>
  8. 8. Infrastructure: Components Internet (https) App Server Payment Mgr Web Server Database Wintel Servers Java/J2EE Payment Gateway eCommerce Web App
  9. 9. 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>
  10. 10. Payment Processing: Summary <ul><li>Coordinating the flow of secured transactions among a complex network of processors and financial institutions </li></ul>

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