支付平台Paypal在线支付流程分析.ppt
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1、Introduction to PayPal Payment Solutions,PayPal is: Secure Simple Fast,PayPal Helps Bring You New Customers,2,Drivers of Consumer Demand for PayPal,Opportunities for Merchants,The PayPal Opportunity,3,PayPal Growth,PayPal helps you grow your business,141M accounts 31% yoy volume growth 190 countries
2、 70+ currencies 1000s of merchants add PayPal every year,PayPal is the safer, easier way to get paid by online shoppers around the world.,Understanding the Payment Processing Network,4,Individuals Merchant seller of goods Customer buyer of goods,The Payment Network Provides Processes and Services,5,
3、Authorization Process,Customer decides to make an online purchase and inputs credit card information,Merchants website receives customer information and sends it to a payment processing service,Payment processing service routes information to processor,Processor routes information to bank that issue
4、d customers credit card (issuing bank),Issuing bank sends authorization (or declination) to processor,Processor routes transaction results to payment processing service,Payment processing service sends results to merchant,6,Settlement Process,7,Merchant informs the payment processing service to sett
5、le transactions Payment processing service sends transaction information to the processor Processor checks the information and forwards settled transaction information to the issuing bank Issuing bank transfers funds to the processor Processor routes funds to the acquiring bank Acquiring bank credit
6、s merchants bank account Issuing bank includes merchants charge on customers credit card account,7,PayPal Provides an All-in-One Solution for Online Merchants,8,Customers issuing bank,Merchants acquiring bank,Customer,Merchant,Processor,Payment Processing Service,Protecting the security of a merchan
7、ts information is the top priority at PayPal. .,Understanding the Risks of Internet Fraud,9,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,Authentication is a chal
8、lenge Hackers can break into a merchants network Hackers can also steal customer identities Multiple access points for break-ins,Vulnerabilities abound,leading to losses,Common Fraud-Related Risks,10,Using stolen information to open new credit cards,Issuing unauthorized credits or payments,Identity
9、theft,Cash theft,Accessing a payment network to complete fraud,Accessing payment networks,Using a stolen credit card to purchase goods and services,Product theft,Chargebacks,A cardholder disputes a credit card purchase,How to Protect Your Business Against Fraud,11,Transaction Level Ensure each trans
10、action you accept and process is valid, and be careful in reviewing suspicious transactions because some may be valid.,Account Level Make sure only authorized users have access to your payment gateway account, and be alert for suspicious account access patterns.,Network Level Ensure your perimeter i
11、s defended against unauthorized access.,1,2,3,Your Disclosure Policy Tells Customers that You Are Honest and Dependable,12,Business Description Explains what the company does,Shipping Policy Details shipping terms, shipping classes offered, & expected delivery timeframe,Privacy Policy Describes how
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