1. Payment Security & Payment Diversity
Should Not Cost a Bundle
Tyler Hannan
IP Commerce, Inc.

2. Commerce Can Be Confusing
RETAILER
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3. Commerce Can Be Confusing
SVA
RETAILER
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4. Commerce Can Be Confusing
SVA ISO
RETAILER
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5. Commerce Can Be Confusing
SVA ISO
ACH
RETAILER
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6. Commerce Can Be Confusing
SVA ISO
LOYALTY
ACH
RETAILER
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7. Commerce Can Be Confusing
SVA ISO
PCI
LOYALTY
ACH
RETAILER
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8. Commerce Can Be Confusing
SVA ISO
PCI TPP
LOYALTY
ACH
RETAILER
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9. Commerce Can Be Confusing
SVA ISO
PCI TPP
LOYALTY
RDC ACH
RETAILER
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10. Commerce Can Be Confusing
SVA ISO
PCI TPP
PA-DSS
LOYALTY
RDC ACH
RETAILER
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11. Commerce Can Be Confusing
SVA ISO
PCI TPP
MCR
PA-DSS
LOYALTY
RDC ACH
RETAILER
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12. Commerce Can Be Confusing
SVA ISO
PCI TPP
QSAMCR
PA-DSS
LOYALTY
RDC ACH
RETAILER
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13. Commerce Can Be Confusing
?
RETAILER
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14. Industry Requires
Transformational Infrastructure
Payments Today Through IP Commerce
C re dit/ b it
De
C re dit/ b it
De
AC H
S to re d Va lue
e Che ck
e C om m e rc e
VS. B 2B R e m itta nc e
G ift C a rd
Le nd in g / ina nc in
F
g
One - to - One , Proprie tary N e twork Enable s Many- to- One Co nne ctio ns
Co nne ctio ns
• Closed networks • Open networks
• Proprietary • Standards-based
• Hard-coded limitations • Dynamic availability and greater choice
• Limited service provider opportunity – few • Easy plug-in offers unlimited service availability
available services today (credit/debit) (Check21, Electronic Invoice Presentment and
• Limited to brick and mortar terminals and e- Payment, etc.)
commerce sites • Available to the ‘other’ 75% of market
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15. IP Commerce Partners
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16. Toolkit & Platform Overview
Co mme rc e So ftware Co nne ctivity
Se rvic e Conne ctivity Platfo rm
Co mme rc e Co mme rc e
To o lkits fo r To o lkits
S e rvic e s fo r
Applic atio
• For use by Service Providers
•
ns
For use by software vendors
and developers to payment-
to integrate services into
enable software
platform
Business process management • Software re-usable across
• Services re-usable across
and rules engine, with built-in network through single
network thru single transaction switch enabling: integration
integration
•Service creation and discovery
• Retailer can use the open
•Security and access control toolkit to payment enable
•Metering and billing their legacy platforms
•Routing transaction messages
between applications
•Data transformation between
applications
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17. Understanding PA-DSS (aka PABP)
Payment Application Data Security Standard
• Created by Visa to assist software companies in
creating secure payment applications
• Reduces risk to consumers from unauthorized
use of payment account information
• Constitutes the most rigorous security standard
common in the payment application
marketplace
• Assists merchants in meeting larger PCI
compliance requirements
• Identifies payment applications that have been
validated as PA-DSS compliant
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18. Simplifying Security Certification
• Out-of-box support
– User credential policy enforcement
– Payment account data encryption and persistence
management
– Key management
– Security audit logging
• Help software companies embed PA-DSS
principles into the SDLC
• Provide for cost-effective PA-DSS assessment
with minimal impact on the organization
• Simplify ongoing maintenance of PA-DSS
compliance
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19. Multi-Channel Retail: Today
Retailers currently manage a vast network of vendors and providers, many
with one-to-one connections.
Multiple Integration Points = Unmanageable & Inconsistent Security
Point of Credit/
Sale Debit
Check/
Web
ACH
Gift/
Kiosk
Loyalty
RETAILER
Call Center PayPal
Other
Mobile
Payments
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20. Multi-Channel Retail: Vision
IP Commerce uses Microsoft Technology to deliver payment services
consistently to the entire multi-channel retail segment
Single Integration Point = Increased Security
Point of Credit/
Sale Debit
Check/
Web
IP ACH
Commerce
Platform Gift/
Kiosk
& Loyalty
RETAILER Commerce
Toolkits
Call Center PayPal
Other
Mobile
Payments
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21. Microsoft Technology Foundation
Enterprise Retail Applications Small/Medium Business Applications
Commerce Toolkit for MCR Commerce Toolkit for Applications
Commerce Toolkits
Microsoft
Microsoft SQL Microsoft Microsoft Microsoft
Commerce
Server Windows Office Office
Server
Vista Accounting 2007
Microsoft Windows Server
IP Commerce Platform
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22. Commerce Server Architecture
Smart Client Applications Web Applications
Catalog and Customers
Custom Marketing ASP.NET ASP.NET ASP.NET
Inventory And Orders
Applications Manager Application 1 Application 2 Application N
Manager Manager
Commerce Server 2007
MMC
ERP
CRM BizTalk Server 2006
Data
Order Profile Catalog Inventory Marketing
Warehouse
Other LOB Apps Subsystem Subsystem Subsystem Subsystem Subsystem MOM 2005
& Analytics
BizTalk Adapters
ASPNET 2.0
Management Pack
Payment Accelerator Internet Information Services
Credit/Debit
Commerce Server
Check/ACH
IP Commerce Platform SQL Server
Gift/Loyalty
Business SQL
eCommerce
Intelligence Reporting
Database
Functions Services
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23. Contact Us for More Information
sales@ipcommerce.com
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24. microsoft.com/peopleready/retail