支付平台Paypal在线支付流程分析
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► Payment Processing Service – connects merchants, customers, and banks through secure online transactions.
► Gateway – the secure pipe between the banks and the processor
PayPal Shopping Cart Software
A
9
Common Fraud-Related Risks
Product theft
Using a stolen credit card to purchase goods and services
Chargebacks
A cardholder disputes a credit card purchase
PayPal Shopping Cart Software
A
5
Authorization Process
Payment Processing
Service
27
Merchant
8
3
6
45
Customer’s issuing bank
Customer 1
Processor
1. Customer decides to make an online purchase and inputs credit card information 2. Merchant’s website receives customer information and sends it to a payment processing service 3. Payment processing service routes information to processor 4. Processor routes information to bank that issued customer’s credit card (issuing bank) 5. Issuing bank sends authorization (or declination) to processor 6. Processor routes transaction results to payment processing service 7. Payment processing service sends results to merchant 8. Merchant decides to accept or reject purchase
A
3
Understanding the Payment Processing Network
Individuals
► Merchant – seller of goods
► Customer – buyer of goods
Institutions
► Customer’s Issuing Bank – provides customer’s credit card information and verification
**S*Soouurcrcee: :PPaayyPPaal lsstuudrvyeoyf osfmsamlla- lal ntodmmiedd-siuizmedsbizuesdinbeussiense,sNseosve, 2m0b0e6r 2007
A
2
The PayPal Opportunity
PayPal is the safer, easier way to get paid by online shoppers around the world.
Introduction to PayPal Payment Solutions
A
PayPal Helps Bring You New Customers
Drivers of Consumer Demand for PayPal
PayPal is:
Secure
Simple Fast
Opportunities for Merchants
A
4
The Payment Network Provides Processes and Services
Processes
► Authorization – the process of verifying a customer’s credit card
Services
► Settlement – the process of collecting funds from the customer’s account
2 Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns.
3 Network Level Ensure your perimeter is defended against unauthorized access.
PayPal Shopping Cart Software
A
10
How to Protect Your Business Against Fraud
1 Transaction Level Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.
► Merchant’s Acquiring Bank – provides internet merchant account
► Processor – authorizes credit card transactions and settles funds for merchants
PayPal Shopping Cart Software
Processor
Βιβλιοθήκη Baidu
Merchant’s acquiring bank
Protecting the security of a merchant’s information is
the top priority at PayPal.
PayPal Shopping Cart Software
.
A
8
Understanding the Risks of Internet Fraud
…leading to losses
► An estimated $2.8B USD was lost to online fraud in the U.S. and Canada in 2005
► The rate of credit card fraud for online sales is three to four times higher than the overall fraud rate
PayPal Shopping Cart Software
A
7
PayPal Provides an All-in-One Solution for Online Merchants
Payment Processing
Service
Merchant
Customer’s issuing bank
Customer
Accessing payment networks
Identity theft
Accessing a payment network to complete fraud
Using stolen information to open new credit cards
Cash theft
Issuing unauthorized credits or payments
2 Privacy Policy – Describes how the company treats and protects
customers’ information
3 Shipping Policy – Details shipping terms, shipping classes
offered, & expected delivery timeframe
1. Merchant informs the payment processing service to settle transactions 2. Payment processing service sends transaction information to the processor 3. Processor checks the information and forwards settled transaction information to the issuing bank 4. Issuing bank transfers funds to the processor 5. Processor routes funds to the acquiring bank 6. Acquiring bank credits merchant’s bank account 7. Issuing bank includes merchant’s charge on customer’s credit card account
Vulnerabilities abound…
► Authentication is a challenge
► Hackers can break into a merchant’s network
► Hackers can also steal customer identities
► Multiple access points for break-ins
PayPal Shopping Cart Software
A
6
Settlement Process
Payment Processing
Service
2
1
Merchant
Customer
Processor
7 3 4 Customer’s
issuing bank
5
Merchant’s
6
acquiring bank
PayPal Shopping Cart Software
A
12
Compliance with PCI Data Security Standards Must Be Followed
PayPal Growth
► 141M accounts ► 31% yoy volume growth ► 190 countries ► 70+ currencies ► 1000s of merchants add
PayPal every year
PayPal
helps you grow your business
PayPal Shopping Cart Software
A
11
Your Disclosure Policy Tells Customers that You Are Honest and Dependable
1 Business Description – Explains what the company does
4 Return Policy – Provides clear guidelines on how a return is
handled
5 Contact Information – Makes it easy for customers to get in
touch with the merchant via different communication channels
1514141%M IncrePaesrceeintasagleesoffor
cosnmsaulml toerms iwdh-soizweoduld bhuNasivunemesabsbeearsnodtfhoPanateyadPdatdhleedir
acpPcuaorcyuhPnatassl ewEioxfprPlrdeawsyisPdael payCmheenctskowuet*re not available**
► Gateway – the secure pipe between the banks and the processor
PayPal Shopping Cart Software
A
9
Common Fraud-Related Risks
Product theft
Using a stolen credit card to purchase goods and services
Chargebacks
A cardholder disputes a credit card purchase
PayPal Shopping Cart Software
A
5
Authorization Process
Payment Processing
Service
27
Merchant
8
3
6
45
Customer’s issuing bank
Customer 1
Processor
1. Customer decides to make an online purchase and inputs credit card information 2. Merchant’s website receives customer information and sends it to a payment processing service 3. Payment processing service routes information to processor 4. Processor routes information to bank that issued customer’s credit card (issuing bank) 5. Issuing bank sends authorization (or declination) to processor 6. Processor routes transaction results to payment processing service 7. Payment processing service sends results to merchant 8. Merchant decides to accept or reject purchase
A
3
Understanding the Payment Processing Network
Individuals
► Merchant – seller of goods
► Customer – buyer of goods
Institutions
► Customer’s Issuing Bank – provides customer’s credit card information and verification
**S*Soouurcrcee: :PPaayyPPaal lsstuudrvyeoyf osfmsamlla- lal ntodmmiedd-siuizmedsbizuesdinbeussiense,sNseosve, 2m0b0e6r 2007
A
2
The PayPal Opportunity
PayPal is the safer, easier way to get paid by online shoppers around the world.
Introduction to PayPal Payment Solutions
A
PayPal Helps Bring You New Customers
Drivers of Consumer Demand for PayPal
PayPal is:
Secure
Simple Fast
Opportunities for Merchants
A
4
The Payment Network Provides Processes and Services
Processes
► Authorization – the process of verifying a customer’s credit card
Services
► Settlement – the process of collecting funds from the customer’s account
2 Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns.
3 Network Level Ensure your perimeter is defended against unauthorized access.
PayPal Shopping Cart Software
A
10
How to Protect Your Business Against Fraud
1 Transaction Level Ensure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.
► Merchant’s Acquiring Bank – provides internet merchant account
► Processor – authorizes credit card transactions and settles funds for merchants
PayPal Shopping Cart Software
Processor
Βιβλιοθήκη Baidu
Merchant’s acquiring bank
Protecting the security of a merchant’s information is
the top priority at PayPal.
PayPal Shopping Cart Software
.
A
8
Understanding the Risks of Internet Fraud
…leading to losses
► An estimated $2.8B USD was lost to online fraud in the U.S. and Canada in 2005
► The rate of credit card fraud for online sales is three to four times higher than the overall fraud rate
PayPal Shopping Cart Software
A
7
PayPal Provides an All-in-One Solution for Online Merchants
Payment Processing
Service
Merchant
Customer’s issuing bank
Customer
Accessing payment networks
Identity theft
Accessing a payment network to complete fraud
Using stolen information to open new credit cards
Cash theft
Issuing unauthorized credits or payments
2 Privacy Policy – Describes how the company treats and protects
customers’ information
3 Shipping Policy – Details shipping terms, shipping classes
offered, & expected delivery timeframe
1. Merchant informs the payment processing service to settle transactions 2. Payment processing service sends transaction information to the processor 3. Processor checks the information and forwards settled transaction information to the issuing bank 4. Issuing bank transfers funds to the processor 5. Processor routes funds to the acquiring bank 6. Acquiring bank credits merchant’s bank account 7. Issuing bank includes merchant’s charge on customer’s credit card account
Vulnerabilities abound…
► Authentication is a challenge
► Hackers can break into a merchant’s network
► Hackers can also steal customer identities
► Multiple access points for break-ins
PayPal Shopping Cart Software
A
6
Settlement Process
Payment Processing
Service
2
1
Merchant
Customer
Processor
7 3 4 Customer’s
issuing bank
5
Merchant’s
6
acquiring bank
PayPal Shopping Cart Software
A
12
Compliance with PCI Data Security Standards Must Be Followed
PayPal Growth
► 141M accounts ► 31% yoy volume growth ► 190 countries ► 70+ currencies ► 1000s of merchants add
PayPal every year
PayPal
helps you grow your business
PayPal Shopping Cart Software
A
11
Your Disclosure Policy Tells Customers that You Are Honest and Dependable
1 Business Description – Explains what the company does
4 Return Policy – Provides clear guidelines on how a return is
handled
5 Contact Information – Makes it easy for customers to get in
touch with the merchant via different communication channels
1514141%M IncrePaesrceeintasagleesoffor
cosnmsaulml toerms iwdh-soizweoduld bhuNasivunemesabsbeearsnodtfhoPanateyadPdatdhleedir
acpPcuaorcyuhPnatassl ewEioxfprPlrdeawsyisPdael payCmheenctskowuet*re not available**