Payment Gateway

1
Payment Gateway

• Onno W. Purbo
• Onno_at_indo.net.id

2
Issu Utama

• Payment Method
• Security
• Certificate Authority
• Cyberlaw

3
Transaction Security

• SSL (Secure Socket Layer)
• SET (Secure Electronics Transaction)

4
SSL (Secure Sockets Layers)

• is a program layer created by Netscape for
  managing the security of message transmissions in
  a network.
• Netscape's SSL uses the public-and-private key
  encryption system from RSA, which also includes
  the use of a digital certificate.

5
Payment Method

• Transaksi model ATM.
• Pembayaran 2 pihak tanpa perantara.
• Pembayaran 2 pihak dengan perantara.
• Micropayment.
• Anonymous Digital Cash.

6
Type

• 2 pihak
• Bank- Customer
• 3 pihak
• Bank - Bisnis - Customer
• Bank - Bisnis - Bisnis

7
B2C Transaction
Merchant Bank
GUI (Web Browser)
Customer Bank
Shopping Cart
Transaction Server
Order Processor
Product Search
Delivery Service
Product Database
8

A Total E-Commerce Solution for B-to-C
Seller/Mall/Retailer
Buyer
1. I ll take those items
2. URL Redirect to CSP
10. Smart Receipt
9. Transaction status update
3. Authorize purchase
Payment Process.
CSP
5. Authorization return code
6. Batch settlement (e.g Hourly)
4b. Card limit Check
4a. Valid card check
8. Credit merchant a/c
7. Debit the Card
Merhants Bank
Card Issuing Bank