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




          RETAILER

2
Commerce Can Be Confusing


         SVA


          RETAILER

3
Commerce Can Be Confusing


         SVA ISO


          RETAILER

4
Commerce Can Be Confusing


         SVA ISO


              ACH
          RETAILER

5
Commerce Can Be Confusing


         SVA ISO

       LOYALTY
            ACH
        RETAILER

6
Commerce Can Be Confusing


        SVA ISO
        PCI
       LOYALTY
            ACH
        RETAILER

7
Commerce Can Be Confusing


        SVA ISO
        PCI TPP
       LOYALTY
            ACH
        RETAILER

8
Commerce Can Be Confusing


        SVA ISO
        PCI TPP
       LOYALTY
        RDC ACH
        RETAILER

9
Commerce Can Be Confusing


         SVA ISO
        PCI TPP
          PA-DSS
        LOYALTY
         RDC ACH
         RETAILER

10
Commerce Can Be Confusing


         SVA ISO
        PCI TPP
            MCR
          PA-DSS
        LOYALTY
         RDC ACH
         RETAILER

11
Commerce Can Be Confusing


         SVA ISO
        PCI TPP
        QSAMCR
          PA-DSS
        LOYALTY
         RDC ACH
         RETAILER

12
Commerce Can Be Confusing




             ?
           RETAILER

13
Industry Requires
            Transformational Infrastructure
                Payments Today                                             Through IP Commerce

                                                                                                              C re dit/ b it
                                                                                                                       De
                                               C re dit/ b it
                                                        De
                                                                                                              AC H

                                                                                                              S to re d Va lue
                                               e Che ck
                                                                                                              e C om m e rc e
                                                                VS.                                           B 2B R e m itta nc e
                                               G ift C a rd
                                                                                                              Le nd in g / ina nc in
                                                                                                                          F
                                                                                                              g
     One - to - One , Proprie tary N e twork                          Enable s Many- to- One Co nne ctio ns
     Co nne ctio ns
     • Closed networks                                                • Open networks
     • Proprietary                                                    • Standards-based
     • Hard-coded limitations                                         • Dynamic availability and greater choice
     • Limited service provider opportunity – few                     • Easy plug-in offers unlimited service availability
       available services today (credit/debit)                          (Check21, Electronic Invoice Presentment and
     • Limited to brick and mortar terminals and e-                     Payment, etc.)
       commerce sites                                                 • Available to the ‘other’ 75% of market




14
IP Commerce Partners




15
Toolkit & Platform Overview
                                              Co mme rc e                      So ftware Co nne ctivity
 Se rvic e Conne ctivity                       Platfo rm
                 Co mme rc e                                                 Co mme rc e
                 To o lkits fo r                                             To o lkits
                 S e rvic e s                                                fo r
                                                                             Applic atio
     • For use by Service Providers
                                                                        •
                                                                             ns
                                                                            For use by software vendors
                                                                            and developers to payment-
       to integrate services into
                                                                            enable software
       platform
                                      Business process management       • Software re-usable across
     • Services re-usable across
                                      and rules engine, with built-in     network through single
       network thru single            transaction switch enabling:        integration
       integration
                                      •Service creation and discovery
                                                                        • Retailer can use the open
                                      •Security and access control        toolkit to payment enable
                                      •Metering and billing               their legacy platforms
                                      •Routing transaction messages
                                      between applications
                                      •Data transformation between
                                      applications




16
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




17
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



18
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

                          Point of                              Credit/
                           Sale                                  Debit

                                                                Check/
                            Web
                                                                 ACH

                                                                 Gift/
                           Kiosk
                                                                Loyalty
       RETAILER
                        Call Center                             PayPal


                                                                Other
                           Mobile
                                                              Payments



19
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

                         Point of                           Credit/
                          Sale                               Debit

                                                            Check/
                          Web
                                             IP              ACH
                                         Commerce
                                          Platform           Gift/
                          Kiosk
                                              &             Loyalty
       RETAILER                          Commerce
                                          Toolkits
                       Call Center                          PayPal


                                                            Other
                         Mobile
                                                          Payments



20
Microsoft Technology Foundation

      Enterprise Retail Applications        Small/Medium Business Applications




       Commerce Toolkit for MCR              Commerce Toolkit for Applications

                                  Commerce Toolkits


      Microsoft
                       Microsoft SQL       Microsoft     Microsoft       Microsoft
     Commerce
                          Server           Windows        Office          Office
       Server
                                             Vista      Accounting         2007
       Microsoft Windows Server


                                IP Commerce Platform




21
Commerce Server Architecture
                          Smart Client Applications                                                Web Applications

                                           Catalog and     Customers
                              Custom                                        Marketing                 ASP.NET         ASP.NET            ASP.NET
                                            Inventory      And Orders
                            Applications                                    Manager                 Application 1   Application 2      Application N
                                             Manager        Manager




                                                         Commerce Server 2007
                                                                                                                                                   MMC
ERP



CRM                      BizTalk Server 2006
                                                                                                                            Data
                                                           Order       Profile      Catalog     Inventory    Marketing
                                                                                                                         Warehouse
Other LOB Apps                                           Subsystem   Subsystem     Subsystem    Subsystem    Subsystem                            MOM 2005
                                                                                                                         & Analytics

                      BizTalk Adapters
                                                                                        ASPNET 2.0
                                                                                                                                                       Management Pack

                   Payment Accelerator                                          Internet Information Services




Credit/Debit

                                                                                                                                                  Commerce Server
Check/ACH

                          IP Commerce Platform                   SQL Server
Gift/Loyalty


                                                                         Business                SQL
eCommerce
                                                                        Intelligence           Reporting
                                                                                                                    Database
                                                                         Functions             Services




22
Contact Us for More Information
          sales@ipcommerce.com




23
microsoft.com/peopleready/retail

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IPC NRF Presentation

  • 1. Payment Security & Payment Diversity Should Not Cost a Bundle Tyler Hannan IP Commerce, Inc.
  • 2. Commerce Can Be Confusing RETAILER 2
  • 3. Commerce Can Be Confusing SVA RETAILER 3
  • 4. Commerce Can Be Confusing SVA ISO RETAILER 4
  • 5. Commerce Can Be Confusing SVA ISO ACH RETAILER 5
  • 6. Commerce Can Be Confusing SVA ISO LOYALTY ACH RETAILER 6
  • 7. Commerce Can Be Confusing SVA ISO PCI LOYALTY ACH RETAILER 7
  • 8. Commerce Can Be Confusing SVA ISO PCI TPP LOYALTY ACH RETAILER 8
  • 9. Commerce Can Be Confusing SVA ISO PCI TPP LOYALTY RDC ACH RETAILER 9
  • 10. Commerce Can Be Confusing SVA ISO PCI TPP PA-DSS LOYALTY RDC ACH RETAILER 10
  • 11. Commerce Can Be Confusing SVA ISO PCI TPP MCR PA-DSS LOYALTY RDC ACH RETAILER 11
  • 12. Commerce Can Be Confusing SVA ISO PCI TPP QSAMCR PA-DSS LOYALTY RDC ACH RETAILER 12
  • 13. Commerce Can Be Confusing ? RETAILER 13
  • 14. Industry Requires Transformational Infrastructure Payments Today Through IP Commerce C re dit/ b it De C re dit/ b it De AC H S to re d Va lue e Che ck e C om m e rc e VS. B 2B R e m itta nc e G ift C a rd Le nd in g / ina nc in F g One - to - One , Proprie tary N e twork Enable s Many- to- One Co nne ctio ns Co nne ctio ns • Closed networks • Open networks • Proprietary • Standards-based • Hard-coded limitations • Dynamic availability and greater choice • Limited service provider opportunity – few • Easy plug-in offers unlimited service availability available services today (credit/debit) (Check21, Electronic Invoice Presentment and • Limited to brick and mortar terminals and e- Payment, etc.) commerce sites • Available to the ‘other’ 75% of market 14
  • 16. Toolkit & Platform Overview Co mme rc e So ftware Co nne ctivity Se rvic e Conne ctivity Platfo rm Co mme rc e Co mme rc e To o lkits fo r To o lkits S e rvic e s fo r Applic atio • For use by Service Providers • ns For use by software vendors and developers to payment- to integrate services into enable software platform Business process management • Software re-usable across • Services re-usable across and rules engine, with built-in network through single network thru single transaction switch enabling: integration integration •Service creation and discovery • Retailer can use the open •Security and access control toolkit to payment enable •Metering and billing their legacy platforms •Routing transaction messages between applications •Data transformation between applications 16
  • 17. 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 17
  • 18. 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 18
  • 19. 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 Point of Credit/ Sale Debit Check/ Web ACH Gift/ Kiosk Loyalty RETAILER Call Center PayPal Other Mobile Payments 19
  • 20. 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 Point of Credit/ Sale Debit Check/ Web IP ACH Commerce Platform Gift/ Kiosk & Loyalty RETAILER Commerce Toolkits Call Center PayPal Other Mobile Payments 20
  • 21. Microsoft Technology Foundation Enterprise Retail Applications Small/Medium Business Applications Commerce Toolkit for MCR Commerce Toolkit for Applications Commerce Toolkits Microsoft Microsoft SQL Microsoft Microsoft Microsoft Commerce Server Windows Office Office Server Vista Accounting 2007 Microsoft Windows Server IP Commerce Platform 21
  • 22. Commerce Server Architecture Smart Client Applications Web Applications Catalog and Customers Custom Marketing ASP.NET ASP.NET ASP.NET Inventory And Orders Applications Manager Application 1 Application 2 Application N Manager Manager Commerce Server 2007 MMC ERP CRM BizTalk Server 2006 Data Order Profile Catalog Inventory Marketing Warehouse Other LOB Apps Subsystem Subsystem Subsystem Subsystem Subsystem MOM 2005 & Analytics BizTalk Adapters ASPNET 2.0 Management Pack Payment Accelerator Internet Information Services Credit/Debit Commerce Server Check/ACH IP Commerce Platform SQL Server Gift/Loyalty Business SQL eCommerce Intelligence Reporting Database Functions Services 22
  • 23. Contact Us for More Information sales@ipcommerce.com 23