Understanding Oracle iPayment

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Understanding Oracle iPayment
Robert Rentz Samira Chander NCOAUG March
3rd, 2003
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Agenda

• Overview of iPayment
• Applications Integration
• Setting Up Credit Cards (functional)
• Administering iPayment
• Credit Card Processes
• Purchase Cards
• Setting Up Credit Cards (technical)
• Summary

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Overview of iPayment

• iPayment Users
• Electronic Commerce Application
• Browser Server Payment Server Application
• Integrates with payment processing systems
• Provides Rules based Payment Processing
• Provides security through support for industry
  standards (e.g. SSL and SET)
• Provides Support for single multi site
  installation of Web-based or Forms-based
  applications

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Application Integration

• Oracle iStore
• Oracle Management
• Oracle Capture
• Oracle Receivables
• Oracle Collections

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Application Integration
CyberCash Verisign
iStore
iPayment
Customer Purchases Product Create order request
CheckFree
Authorization request
Order Capture
Field installable Payment System
Fulfill order request
Capture or auth/capture request
Order Management
Accounts Receivable
Oracle Collections
Collect over due payment info
Order info for invoicing
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iPayment Transactions

• Payment Request
• Payment Modification
• Payment Cancellation
• Payment Inquiry
• Payment Query transaction status

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Setting Up Credit Cards(Functional)

• Customer Credit Cards
• Payee Identifier / Merchant Reference
• Payment Server
• Acquiring Bank or Payee
• Routing Rules
• Define Remittance Bank
• Define Payment Method and Bank Accounts for each
  customer

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Setting Up Credit Cards(Functional)

• Customer Credit Cards
• Define Bank Accounts

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Setting Up Credit Cards(Functional)
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Setting Up Credit Cards(Functional)

• Payee Identifier Merchant Reference
• Create Receipt Class and Payment Method

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Setting Up Credit Cards(Functional)
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Setting Up Credit Cards(Functional)

• Define Payment Method and Bank Accounts for each
  customer

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Setting Up Credit Cards(Functional)
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Setting Up Credit Cards(Functional)
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Setting Up Credit Cards(Functional)

• Payment System
• Create, modify or update New Payment System

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Setting Up Credit Cards(Functional)
Click on Create
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Setting Up Credit Cards(Functional)

• Payment Server

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Setting Up Credit Cards(Functional)

• Payee
• Create, modify, or inactivate a New Payee

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Setting Up Credit Cards(Functional)
Click on Create
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Setting Up Credit Cards(Functional)

• Payee

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Setting Up Credit Cards(Functional)

• Routing Rules
• Changing the Routing Rules Priority
• Create,modify or delete Routing Rules

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Setting Up Credit Cards(Functional)
Click on Create
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Setting Up Credit Cards(Functional)

• Routing Rules

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Credit Card Processes

• Authorization
• Settlement
• Reconciliation

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Credit Card Processes

• Authorization
• Customer Purchases Goods
• Send Information to Payee
• Payee Accepts Authorization Request
• Credit Card processor receives information
  through iPayment and the payment system
• Assigns Authorization expiration

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Credit Card Processes

• Authorization and the OM Process
• Authorized at Booking
• Failures place order on hold (still booked)
• CC corrections automatically reauthorize
• Corrects automatically release order from Credit
  Card Hold
• Reauthorization occurs for expired transactions
  (user defined)
• Captures automatically at Remittance

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Credit Card Processes

• Settlement
• Capturing Authorized Transactions
• Returns, credits and Voids
• Funds Transferred to Acquiring Banks
• Payment Server provides query screen in addition
  to iPayment
• Reconciliation
• Payment Server provides daily, weekly or monthly
  reports to the payee

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iPayment Transaction Query

• Operations
• Follow up Operations

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Payment Server Transaction Query
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Purchase Cards

• Benefits of Purchase Card
• To the Merchant
• To the Buyer
• Purchase Card Level I
• Purchase Card Level II

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Purchase Cards

• Purchase Card Level I
• Suppliers Name (Merchant Name)
• Total Purchase Amount
• Date
• Purchase Card Level II
• Suppliers Name (Merchant Name)
• Total Purchase Amount
• Date
• Purchase Order Number
• Sales Tax Amount
• Zip Code of the area where merchandise will be
  sent

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Setting Up Credit Cards(Technical)

• iPayment Architecture
• iPayment APIs
• Payment System APIs
• Electronic Commerce APIs
• iPayment Engine
• iPayment Servlets
• ECServlet
• Payment system servlets
• Field-installable servlets

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iPayment Architecture
Field Installed Payment System Servlet
BEP APIs
Field Installed Payment System Gateway
EC Application
HTTP(S) Adapter
BEP APIs
Cybercash Servlet
AcctXfer ApI
Java APIs
PayNow Interface
Cybercash Gateway
iPayment Engine
PL/SQL APIs
Ec Application
EC Servlet
Checkfree Interface
Secure FTP
Checkfree
Scheduler
File
iPayment Repository
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Setting Up Credit Cards(Technical)

• Installing a Payment Servlet with iPayment
• Downloading the VeriSign Servlet
• Installing the VeriSign BEP Servlet
• Registering the BEP Servlet in iPayment

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Setting Up Credit Cards(Technical)

• Downloading the VeriSign Servlet
• Register for a VeriSign Account
• Verisign User Name and Password
• Download Payflow Pro
• Under Oracle iPayment tab in Verisign

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Setting Up Credit Cards(Technical)

• Installing the VeriSign BEP Servlet
• Configuring the VeriSign BEP Servlet for Oracle
  Application
• Configure the VeriSign Servlet
• Configure VeriSign Library files
• Configure Java Secure Sockets Extension
• Configure the initArgs parameter for Verisign
  servlet

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Setting Up Credit Cards(Technical)

• Registering the BEP Servlet in iPayment
• Payment Systems
• Payee
• Routing Rules

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Setting Up Credit Cards(Technical)

• Payment Server

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Setting Up Credit Cards(Technical)

• Payee

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Setting Up Credit Cards(Technical)

• Routing Rules

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Setting Up Credit Cards(Technical)

• Critical Information
• Make sure that
• User Name and Password in vpsipayment.properties
  matches the Payment Server entry and Payee entry
• Payment System suffix matches the Payee
  Identifier
• Payee Identifier matches the Merchant Reference

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Setting Up Credit Cards(Technical)

• vpsipayment.properties
• Contains the user and pwd of verisign manager
• hostnametest-payflow.verisign.com
• port443
• userrobrentz
• pwdr3ntzr
• timeout30
• proxyHost
• proxyPort0
• proxyUser
• proxyPwd

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Setting Up Credit Cards(Technical)

• Payment Server and Payee
• Payment Server screen contains the Username and
  password for VeriSign manager
• Payee screen also contain the username and
  password for the VeriSign Manager, VendorID and
  Partner ID

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Setting Up Credit Cards(Technical)

• Payment Server

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Setting Up Credit Cards(Technical)

• Payee

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Setting Up Credit Cards(Technical)

• Receipt Class and Payment Method
• Payee Identifier and Merchant Reference must
  match

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Setting Up Credit Cards(Technical)
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Summary

• iPayment
• is an integrated Oracle Solution
• integrates with Payment Server providers
• provides APIs for custom solutions
• can link with ACH for a streamlined solution
• can be installed and tested within one month

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• Thank You
• Robert Rentz
• 312-755-8203
• Rrentz_at_us.ssiworldwide.com
• Samira Chander
• 312-755-8255
• schander_at_us.ssiworldwide.com