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Winter 2003
- 1. Copyright Richard Dumm and Deborah Meder, Pennsylvania State University, 2003. This work is the intellectual property of the author. Permission is granted for this material to be shared for non-commercial, educational purposes, provided that this copyright statement appears on the reproduced materials and notice is given that the copying is by permission of the author. To disseminate otherwise or to republish requires written permission from the author.
- 2. Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder Assistant Controller University Financial Officers
- 3. Presentation Objective Payment Processing Concepts Future Evolution of eCommerce Penn State Adventures in eCommerce Partners in the Request for Proposal Process eCommerce infrastructure and Services
- 4. Penn State Adventures in eCommerce
- 6. Adventures: History Summer 1999 – IBM Net.Commerce Project August 2001 – First Million $$ Day Fall 1998 – Cybercash pilot w/Undergrad Admissions Application July 2002 – Migrated to IBM WebSphere Payment Manager Today - $75 million processed in over 175,000 transactions Fall 1999 – First Authorized Transaction
- 7. Adventures: Merchants 40+ merchants using eCommerce services today 90+ merchants total at Penn State
- 8. Adventures: Applications 12 Web Applications: ADMISSIONS Applications (Grad and Undergrad) TRANSCRIPTS (REGISTRAR) Large Volume, Low $ WORLD CAMPUS Registration (2)
- 9. Adventures: Applications STUDENT ACCOUNT and eBILL Tuition payments / eLION Smaller Volume, Large $ Amounts Integrated into Student System Id+ OFFICE Add funds to meal plans
- 10. Adventures: Applications SMEAL – Global Trading Competition ePAY – Most Popular eSTORE Hosting Golf Store PA State Data Center Palmer Art Museum
- 11. Adventures: Summary eCommerce continues to Grow at Penn State AIS is developing infrastructure to support and manage this growth
- 12. Credit Card Payment Processing Concepts
- 13. Payment Processing: Defined On-Line Payment Processing The buying and selling of products and services by businesses and consumers over the internet eCommerce Coordinating the flow of secured transactions among a complex network of processors and financial institutions
- 14. Payment Processing: Components AUTHORIZE... Cardholder Issuing Bank Cardholder / Customer Processor Credit Card Associations Settlement Acquiring Bank Payment Gateway Merchant Bank Merchant
- 15. Payment Processing: Phases Settlement (Batch Deposit) Verifies that the card is active Authorization Capture Verifies Cardholder has sufficient credit Cardholder’s Open-To-Buy is reduced Cardholder account is charged $$ deposited to Merchant Bank Acct
- 16. Putting it all together: Authorization Cardholder / Customer Payment Gateway Processor Cardholder Issuing Bank Processor Payment Gateway Merchant Merchant
- 17. Putting it all together: Settlement Cardholder / Customer Payment Gateway Cardholder Issuing Bank Processor Acquiring Bank Merchant Bank Merchant
- 18. Payment Processing: Fraud Card Present vs. Card Not Present Authorization vs. Address Verification (AVS) Card Verification Value (CVV) Fraud Protection Programs
- 19. Payment Processing: Summary Coordinating the flow of secured transactions among a complex network of processors and financial institutions
- 20. The Penn State eCommerce Infrastructure
- 21. Infrastructure: Imperative Establish a single, central, secure, scalable and available eCommerce capability for Penn State
- 22. Infrastructure: Components IBM WebSphere Payment Manager Wintel Servers IBM HTTP Server (Apache) IBM WebSphere Application Server IBM DB2 Database JAVA Programming Environment
- 23. Infrastructure: Components Internet (https) App Server Payment Mgr Web Server Database Wintel Servers Java/J2EE Payment Gateway eCommerce Web App
- 24. Infrastructure: Support Organization AIS Web Team Support Center
- 25. Infrastructure: Summary The Penn State eCommerce infrastructure consists of various hardware and software components necessary to sustain a: Central Single Secure Reliable eCommerce capability.
- 27. eCommerce Services: ePayment ePay Generalized Interface Web Services eStore Hosting
- 28. Services: ePayment ePayment API for Credit Card Processing HTTPS post with XML response HTTPS requests and response are secured using SSL
- 29. Services: ePayment Merchant Administration Tools Credit Card Search Issuing Refunds Reporting
- 30. Services: ePAY “ Virtual” Credit Card Terminal Reporting Tool Web Based Authorization Troubleshooting Tool Automatic Settlement for Merchant
- 31. Services: Generalized Interface Web Services New Service Offering Integrates to ePay Tools Eliminates ODBC Calls to Database ePayment Web Services ePaymentAuthorizeAndDeposit ePaymentAuthorize ePaymentDeposit
- 32. Services: eStore Hosting AIS provides “Framework” for Hosting Penn State eCommerce Stores Host the Website (Shopping Catalog) Maintain hardware and software Handle Payment Processing
- 33. Services: eStore Hosting Help / FAQ / Contact Us Includes Shopping Basics: Home / Category Page Product Page Shopping Cart Checkout Page Order Status
- 34. Services: eStore Hosting Provide Merchant Admin Tools Reporting Category (Dept.) and Product Price Inventory Order Processing
- 35. Services: eStore Hosting https://ecommerce.psu.edu Pennsylvania State Data Center Gravitational Physics Conference Penn State Golf Store College of Agricultural Sciences: Conferences & Short Courses NEW : Behrend College – College for Kids and Alumni Reunion Palmer Art Museum
- 36. eCommerce Services: ePayment ePay Generalized Interface Web Services eStore Hosting
- 37. Partners in the Request for Proposal Process
- 38. Partners in RFP Process Internal: AIS(ITS), Controller, Finance & Business, & Merchants Customer & Merchant Needs Technical Requirements Controls and Reporting Service
- 39. Partners in RFP Process Banks and Processors Vendor Background/Experience Processing Technical Capabilities Information Reporting Implementation Customer Service and Quality Pricing
- 40. Future Evolution of eCommerce
- 41. Future Evolution: Technical Integrate with Business Systems Expand and Enhance eCommerce Services Keep Current with eCommerce Technologies and Security…
- 42. Future Evolution: Administrative Consolidate Processing through eCommerce Server Automate Settlement and Cash Reporting Streamline Account Reconciliation Actively Manage Discount Fees to Reduce Costs
- 43. Conclusion Payment Processing Concepts Future Evolution of eCommerce Penn State Adventures in eCommerce Partners in the Request for Proposal Process eCommerce Infrastructure and Services
- 44. Building an eCommerce Infrastructure Richard Dumm eCommerce Consultant Administrative Information Services Debbie Meder Assistant Controller University Financial Officers