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Internet Retailing Jump Start Fraud and Payments Richard Parker – Head of Sales. CyberSource Strengths. Single source for eCommerce payment solutions Payment Acceptance Global Acquiring w/Multiple Payment Types Order Screening Fraud Screening & Export Compliance

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Internet Retailing Jump Start Fraud and Payments Richard Parker – Head of Sales


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cybersource strengths
CyberSource Strengths

Single source for eCommerce payment solutions

  • Payment Acceptance
    • Global Acquiring w/Multiple Payment Types
  • Order Screening
    • Fraud Screening & Export Compliance
  • Payment System Security (PCI)

Blue chip customer base

  • 295,000 customers
  • 50% of the Dow Jones Industrial companies

Great reputation

  • High reliability (4 x 9s uptime)
  • Processing 2.5 Billion Transactions annually
  • Processed $120 Billion in flow in 2009
  • Strong security
  • Global reach and infrastructure
global operations
Global Operations

Europe

  • UK presence since 1997
  • Engineering centre: Belfast

USA

  • Founded: 1994, Public 1999
  • HQ: Mountain View, CA

Asia

  • CyberSource K.K. established 2000
  • CyberSource Singapore established 2009
top tier customers
Top Tier Customers

Retail & eRetail

Manufacturing

Travel

what retailers tell us
What Retailers Tell Us...

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimise exposure to data theft
  • Single integration
  • Reporting and reconciliation
payment management
Payment Management

Theactive management of payment operations, throughout the order lifecycle, to optimise business results

keys to success in retail
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Buying experience – minimising drop out
  • New Markets – payment types, fraud issues, tax considerations, revenue repatriation, general complexities
  • Consumer confidence (security etc) in you and your site...
  • Reasons why people DON’T shop online...

Minimising Costs and Optimising Profits

  • Reducing Fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail10
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New Markets – payment types, fraud issues, tax considerations, revenue repatriation, general complexities
  • Consumer confidence (security etc) in you and your site...
  • Reasons why people DON’T shop online...

Minimising Costs and Optimising Profits

  • Reducing Fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail11
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence (security etc) in you and your site...
  • Reasons why people DON’T shop online...

Minimising Costs and Optimising Profits

  • Reducing Fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
emerging markets
Emerging Markets

Growth in online consumer spend 2008 - 2014

Source: Forrester 2009

keys to success in retail13
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Reasons why people DON’T shop online...

Minimising Costs and Optimising Profits

  • Reducing Fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail14
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reducing Fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail15
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Number of Fraud tools (average)
  • Audit of fraud tools/ROI. Fraud tool management
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail18
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Manual Review
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail19
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimising exposure to PCI
  • Single Integration
  • Reporting and Reconciliation
post manual review acceptance rates
Post Manual Review Acceptance Rates

8% of the survey base responded ‘Don’t know’

keys to success in retail21
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimise exposure to data theft
  • Single Integration
  • Reporting and Reconciliation
keys to success in retail23
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimise exposure to data theft
  • Single integration
  • Reporting and Reconciliation
keys to success in retail24
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimise exposure to data theft
  • Single integration
  • Reporting and reconciliation
keys to success in retail25
Keys to Success in Retail

The Revenue Opportunity

  • Accept multiple payment options
  • Minimise drop out
  • New markets
  • Consumer confidence
  • Encourage more to shop online

Minimising Costs and Optimising Profits

  • Reduce fraud
  • Use the right anti-fraud tools for your business
  • Optimise manual review process
  • Minimise exposure to data theft
  • Single integration
  • Reporting and reconciliation
orders rejected suspicion of fraud
Orders Rejected: Suspicion of Fraud

7% of the survey base responded ‘Don’t know’

profit optimisation
Profit Optimisation

High

Fraud Loss

Rejected Orders

(Oppty Cost)

Adverse profit impact

Fraud loss

+

Rejected good orders

+

Cost to review orders

Adverse Profit Impact

Profit Optimisation Point (least profit loss)

Low

Low

High

Accepted Fraud Rate

global payment acceptance

ORDER

  • Online
  • Call Centre
  • Mail Order
  • IVR
  • Kiosk
  • ERP

Payment System Security

MAXIMUM

RETAINED

REVENUE

Global Payment

Acceptance

Order

Screening

Processing

Management

Reporting&

Reconciliation

1

Pay

Global Payment Acceptance

Global Payment Acceptance

Pinless debit

Global cards

  • Credit, debit
  • Corporate

Direct debit & bank transfers

Dynamic currency conversion (US/Canada)

Local cards

Worldwide tax calculation

Additional

Secure payment acceptance

(Hosted forms/pages)

eCheque (US/Canada)

Subscription payments

global fraud screening solution

ORDER

  • Online
  • Call Centre
  • Mail Order
  • IVR
  • Kiosk
  • ERP

Payment System Security

MAXIMUM

RETAINED

REVENUE

Global Payment

Acceptance

Order

Screening

Processing

Management

Reporting&

Reconciliation

2

Global Fraud Screening Solution

The Most Comprehensive Fraud Management Solution

Over 200 global validation checks and services

- Same-merchant purchase history

- Global multi-merchant transaction histories

- Device fingerprinting and location identification

- Global validation services

Powerful rule management console

Automated case management

Managed by CyberSource

or you

Managed Services

Screening Management

Managed Services

Performance Monitoring

Global Fraud Management Portal Decision Manager

Card Validation Services

AVS CVN

processing management

ORDER

  • Online
  • Call Centre
  • Mail Order
  • IVR
  • Kiosk
  • ERP

Payment System Security

MAXIMUM

RETAINED

REVENUE

Global Payment

Acceptance

Order

Screening

Processing

Management

Reporting&

Reconciliation

3

Processing Management

Secure, Reliable Processing Infrastructure

On-demand connections to multiple worldwide acquiring banks and processors

High Availability

99.9+% processing uptime

Currently processing > 5.9 million txns daily

Current architecture operating at ~30% capacity

Easily scalable

PCI Certified Processing Centres

Visa Europe/Asia – AIS certified

Visa USA – CISP certified

MasterCard– SDP certified

24/7 physical security

Multiple processing centres on three continents

pci dss payment security

ORDER

  • Online
  • Call Centre
  • Mail Order
  • IVR
  • Kiosk
  • ERP

Payment System Security

MAXIMUM

RETAINED

REVENUE

Global Payment

Acceptance

Order

Screening

Processing

Management

Reporting &

Reconciliation

4

Payment System Security

Payment Data Management

  • Hosted payment page/frame
  • Secure data storage

Secure Processing Infrastructure

  • PCI certified processing centres
  • User-level access controls

Pay

PCI Compliance/Remediation Services

  • Vulnerability scanning & monitoring
  • Compliance planning & remediation
  • Certification management
PCI-DSS Payment Security
many thanks
Many Thanks

Any Questions?

Richard Parker – Head of Sales

rparker@cybersource.com

01189 294877

07866 374989

Chris Andrew – Retail Strategic Market Consultant

candrews@cybersource.com

01189 294882

07717 572902