Enhancing E-Commerce Processes withAlerts and Web Services:A case study on Online Credit CardPayment NotificationDickson K. W. CHIUWinnie N.Y.YanSeniorMemberIEEEDickson Computer SystemsHong Kong
Enhancing E-Commerce Processes with Alerts and Web Services: A case study on Online Credit Card Payment Notification Winnie N.Y.Yan Dickson K. W. CHIU Senior Member, IEEE Dickson Computer Systems Hong Kong
IntroductionIncrease credit card payment security with doubleconfirmation (on alternative channels)Notified Credit Card Payment System (NCCPS)Support online payment as well as traditional usageComplements / augments services like:"Verify by VISA"/"MasterCard SecureCode"ICMLC2007-2e-Notification
e-Notification ICMLC 2007-2 Introduction ◼ Increase credit card payment security with double confirmation (on alternative channels) ◼ Notified Credit Card Payment System (NCCPS) ◼ Support online payment as well as traditional usage ◼ Complements / augments services like: “Verify by VISA” / “MasterCard SecureCode
Solution OverviewWebservicesInformation and process integration among different parties Shielding the communication and process complexityAlert ManagementManage messaging, resending, routing, logging,etc. Different urgency policy, e.g., credit limit, lost card report, etc.e-NotificationICMLC2007-3
e-Notification ICMLC 2007-3 Solution Overview ◼ Web services ◼ Information and process integration among different parties ◼ Shielding the communication and process complexity ◼ Alert Management ◼ Manage messaging, resending, routing, logging, etc. ◼ Different urgency policy, e.g., credit limit, lost card report, etc
Case Study: Credit Card PaymentMerchantInternetCardholderInternetCertificateAuthorityIssuerPaymentNetworkPaymentAcquirerGatewaye-NotificationICMLC2007-4
e-Notification ICMLC 2007-4 Case Study: Credit Card Payment
Case Study:SecurityNotification/ConfirmationMobileContentBankProviderPerformthe creditcardDoubletransactionConfirmationbySMSSMSto/fromRequestclientcredit cardPurchaseproductpayment byprovided byMerchantcustomer'sinformationMerchantCustomere-NotificationICMLC2007-5
e-Notification ICMLC 2007-5 Case Study: Security Notification / Confirmation Merchant Customer Bank Mobile Content Provider Internet Internet SMS to/from client Purchase product provided by Merchant Request credit card payment by customer ‘s information Perform the credit card transaction Double Confirmation by SMS Merchant Customer Bank Mobile Content Provider Internet Internet SMS to/from client Purchase product provided by Merchant Request credit card payment by customer ‘s information Perform the credit card transaction Double Confirmation by SMS