支付平臺Paypal在線支付流程分析（課堂PPT）

1、Introduction to PayPal Payment Solutions*Source: PayPal survey of small to mid-sized businesses, November 200751%Percentage of consumers who would have abandoned their purchase if PayPal payments were not available*14%Increase in sales for small to mid-sized businesses that added PayPal Express Chec

2、kout* Source: PayPal study of small- and medium-sized businesses, 2006141MNumber of PayPal accounts worldwidePayPal is:SecureSimpleFastPayPal Helps Bring You New Customers2Drivers of ConsumerDemand for PayPalOpportunities for MerchantsThe PayPal Opportunity3 PayPal GrowthPayPal helps you grow your b

3、usiness 141M accounts 31% yoy volume growth 190 countries 70+ currencies 1000s of merchants add PayPal every yearPayPal is the safer, easier way to get paid by online shoppers around the world.PayPal Shopping Cart Software4Understanding the Payment Processing NetworkIndividuals Merchant seller of go

4、ods Customer buyer of goodsInstitutions Customers Issuing Bank provides customers credit card information and verification Merchants Acquiring Bank provides internet merchant account Processor authorizes credit card transactions and settles funds for merchants PayPal Shopping Cart Software5The Payme

5、nt Network Provides Processes and ServicesProcesses Authorization the process of verifying a customers credit card Settlement the process of collecting funds from the customers accountServices Payment Processing Service connects merchants, customers, and banks through secure online transactions. Gat

6、eway the secure pipe between the banks and the processorPayPal Shopping Cart Software62Payment Processing ServiceAuthorization Process Customer decides to make an online purchase and inputs credit card information765CustomerMerchant1Processor3Customers issuing bank4Merchants website receives custome

7、r information and sends it to a payment processing servicePayment processing service routes information to processorProcessor routes information to bank that issued customers credit card (issuing bank)Issuing bank sends authorization (or declination) to processorProcessor routes transaction results

8、to payment processing servicePayment processing service sends results to merchant6Merchant decides to accept or reject purchase8PayPal Shopping Cart Software72Payment Processing ServiceProcessorSettlement ProcessMerchant informs the payment processing service to settle transactionsPayment processing

9、 service sends transaction information to the processorProcessor checks the information and forwards settled transaction information to the issuing bankIssuing bank transfers funds to the processorProcessor routes funds to the acquiring bankAcquiring bank credits merchants bank accountIssuing bank i

10、ncludes merchants charge on customers credit card account64Merchants acquiring bank5MerchantCustomer1Customers issuing bank37PayPal Shopping Cart Software8PayPal Provides an All-in-One Solution for Online MerchantsCustomers issuing bankMerchants acquiring bankCustomerMerchantProcessorPayment Process

11、ing ServiceProtecting the security of a merchants information is the top priority at PayPal.PayPal Shopping Cart Software9Understanding the Risks of Internet Fraud 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 t

12、o four times higher than the overall fraud rate Authentication is a challenge Hackers can break into a merchants network Hackers can also steal customer identities Multiple access points for break-ins Vulnerabilities abound leading to lossesPayPal Shopping Cart Software10Common Fraud-Related RisksUs

13、ing stolen information to open new credit cardsIssuing unauthorized credits or payments Identity theft Cash theft Accessing a payment network to complete fraudAccessing payment networks Using a stolen credit card to purchase goods and servicesProduct theftChargebacks A cardholder disputes a credit c

14、ard purchasePayPal Shopping Cart Software11How to Protect Your Business Against FraudTransaction LevelEnsure each transaction you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.Account LevelMake sure only authorized users have access to you

15、r payment gateway account, and be alert for suspicious account access patterns.Network LevelEnsure your perimeter is defended against unauthorized access.123PayPal Shopping Cart Software12Your Disclosure Policy Tells Customers that You Are Honest and DependableBusiness Description Explains what the

16、company does Shipping Policy Details shipping terms, shipping classes offered, & expected delivery timeframe Privacy Policy Describes how the company treats and protects customers information Return Policy Provides clear guidelines on how a return is handled Contact Information Makes it easy for cus

17、tomers to get in touch with the merchant via different communication channelsPayPal Shopping Cart Software13Compliance with PCI Data Security Standards Must Be FollowedProtect Cardholder Data Maintain a Vulnerability Management Program Implement Strong Access Control Measures Regularly Monitor and T

18、est Networks Maintain an Information Security Policy Control ObjectiveRequirementBuild and Maintain a Secure Network Install and maintain a firewall configuration to protect cardholder data Do not use vendor-supplied defaults for system passwords and other security parameters Protect stored cardhold

19、er data Encrypt transmission of cardholder data across open, public networks Use and regularly update anti-virus software Develop and maintain secure systems and applications Restrict access to cardholder data by business need-to-know Assign a unique ID to each person with computer access Restrict p

20、hysical access to cardholder data Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain a policy that addresses information securityPayPal Shopping Cart Software14PayPal Offers the Payment Solution that Meets Your Business Need14

21、PayPal ProductsScenario #1Accept online credit card payments with minimal effortScenario #2Build an all-in-one solution for accepting web, phone, fax and mail paymentsScenario #3Accept PayPal, keep current payment processorScenario #4Provide a secure connection from your online store to your merchan

22、t accountWebsite Payments StandardWebsite Payments Pro*Express Checkout*Payflow GatewayPayPal Shopping Cart Software15Selecting the Right Product for Your BusinessProductWebsite Payments StandardWebsite Payments ProExpress CheckoutPayflow GatewayScenarioAccept online credit card payments with minima

23、l effortBuild an all-in-one solution for accepting web, phone, fax and mail paymentsAccept PayPal, keep current merchant accountEstablish a secure connection between online store and merchant account, and keep merchant accountInternet merchant account needed?XX Where customers checkoutPayPalPayPal o

24、r merchants websitePayPalPayPal or merchants websiteVirtual Terminal included?X X Business credit approval needed?X XXPayPal Shopping Cart Software16Whats Next ? Start Accepting Payment with PayPalSign up for PayPal Account Now! Subscribe to Our Ecommerce Blog http:/.my/SELLMORE Learn more on Fraud

25、Alert System http:/.my/FraudAlertSystem/ PayPal Shopping Cart Software17PayPal Shopping Cart for Small & Mid-Sized BusinessSelling Online? Offer your customers security and convenience with PayPal. Using PayPal to process payments within your online store allows you to accept credit, debit and PayPa

26、l payments.webShaper e-commerce is fully integrated out of the box with PayPal. Simply select PayPal as a payment option and enter your user ID and password to start taking PayPal payments from your e-commerce site.Test Drive it Today! Logon to http:/.my/DEMO PayPal E-commerce Store Solution PayPal

27、Shopping Cart Software18PayPal Shopping Cart Software19The information contained in this document represents the current view of Neowave Sdn Bhd on the issues discussed as of the date of publication. BecauseNeowave must respond to changing market conditions, it should not be interpreted to be a comm

28、itment on the part of Neowave, and Neowave cannotguarantee the accuracy of any information presented after the date of publication.This overview is for informational purposes only. Neowave MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY. Use it at your ownrisk.Complying with all applicable copyright laws is the responsibility of