In the past and sometimes now, the web seems like a big impersonal space. The trend in ecommerce is toward a personalization of the customer experience. We must now expect customers who have examined your business from many angles including the experiences of previous customers and your stated online policies. They will purchase when they are confident of their security and privacy with your business.Even if you are not doing “e-commerce” consider your security with payments made at your store.
Use good passwords, test backup and restore process
Security and Privacy
Security and Privacyfor Creating Confident Customers Know how. Know now. Jenny Nixon, Jay Jenkins, Connie Hancock UNL Extension Educators
Reputation Economy E-Commerce has moved from a big impersonal space to a personalized customer experience Customers are looking for: Reasons to be confident of your business reputation Testimonials from previous customers Ease of use Certificates of authenticity Stated privacy and security policies Know how. Know now.
What is Security and Privacy? Process of identifying and protecting your assets Business data Customer data Hardware Software Reputation Restricting access to authorized people Know how. Know now.
Security - Define A Security Plan is used to: identify, measure, monitor, and control risks arising from the electronic exchange of information A Security Policy is a written statement that describes: What assets are to be protected, why, and who is responsible Know how. Know now.
Data Security vs Use Data Needs Confidentiality Secure from unauthorized disclosure Integrity Unchanged Authentic Secure from destruction Available for use Know how. Know now.
What information do I need to collect? Know what information you are collecting Know why you collect each piece of information Know how. Know now.
What will I do with collected data? Develop a policy for storing and accessing collected data Publish this policy on your web site Follow your policy Re-examine policy periodically Know how. Know now.
Do Your Homework How much business do you expect to conduct electronically? A few items? A moderate number of items? Large scale electronic sales? Know how. Know now.
Things to Consider What forms of payment do I want to accept? Credit cards Debit cards Checks Gift cards International payments What sort of processing features do I need? What reporting features do I need? Know how. Know now.
E-Commerce Options Third Party Store eBay Etsy Amazon Grow Nebraska Third Party Payment Processor Google Checkout PayPal Love Apple Farms Know how. Know now.
Pros and Cons Third Party Store Pro Minimal setup Flexible fee schedules Payment security is taken care of Con Minimal customization No “Home Page” Minimal SEO Know how. Know now.
Pros and Cons Payment Processor Pro No integration into backend No security needed for payments Con Customer goes to different site and may reconsider purchase Know how. Know now.
Pros and Cons Payment Gateway Pros Customers stay on your site Purchase process is integrated into your site Cons Takes more work Higher level of technology needed Must obtain SSL certificate Know how. Know now.
Features to Consider 24/7 availability and support Real time feedback for customers Redundancy Anti-fraud and security solutions Rates and fee structures Trusted platform Stocking and order tracking Tax calculations Integration into current platform Ease of use Know how. Know now.
Payment Processor Questions Data Where is it? Who has access? Are they authorized? How is it protected? How is it shared or transmitted? Do I have insurance against a security breach? What happens in a disaster? Redundancy? How is data backed up and restored? Is it scanned for vulnerability? Know how. Know now.
Local Security Know what you have Data Hardware Networks Software Know where it is and how it is secured Know who has access Use policies, procedures, and reporting Understand legal compliance Know how. Know now.
Local Security Secure and limit access to digital as well as physical assets Keys vs Passwords Hardware Software Network Safe or vault vs Redundant and offsite backup Visual vs Electronic identity US Mail vs Cryptography Keep hardware and software up to date Know how. Know now.
Create Confident Customers Create and post Security and Privacy Policies Stick to your policy Be vigilant Use visual clues Know how. Know now.
Visual Security Clues Third party certificates of authority Green Address Browser Bar https:// Padlock symbol Know how. Know now.
Mobile Payment Platforms Square Paypal Here GoPayment (Intuit) SalesVu ProPay Jak North American Bancard – Pay Anywhere Inner Fence Know how. Know now.
Features to Consider Cost of reader and/or app Transaction costs Encrypted data Electronic receipts Tipping system Cash register and POS functions Reporting options Signature requirements Access to funds speed Know how. Know now.
Optional Features Work with Windows machine Manage cash transactions Refunds/Credit Customized store Know how. Know now.
Resources VISA e-Commerce Merchant’s Guide to Risk Management BBB Data Security FAQ Payment Card Industry Data Security Standard GeoTrust: Creating an e-Commerce Web Site AVG Small Business Security Guide E-commerce Security Best Practice Guidelines Fundamentals Guidelines of e-Commerce Checkout Design Broadband YouTube Videos Security Squad Know how. Know now.
Upcoming Events Building Your Brand Women in Ag – Kearney, Feb 21,22 eXtension Webinars - https://learn.extension.org/ Cool Tools – Feb 14, 2013 Pinterest – March 14, 2013 Broadband Webinars – http://broadband.nebraska.gov Making Security a Priority Feb 20, 2013 Going Mobile – March 20, 2013 Know how. Know now.