Description
of the VPN communication system for credit card payments
Automatic
payment server
This
Visa VPN communications system for purchases on internet
with credit card is a system that adopts all the necessary
measures of security to give our clients dependability when
buying, it is a system of direct communication between VISA
and the trade establishments, Joyeria Hispana in this case,
designed especially to avoid electronic frauds.
The
purchase process is made directly from the company server,
therefore the client should give the data required to be
able to carry out the transactions, our server has direct
conection with the server of VISA which will verify the
purchase and it will give an answer, this way the jewelry
takes communication with the client and confirms if was
or not effective the purchase.
next
we show a example of the transaction made with this system.
Using the payment portal in internet
It is a service that allow you to buy without
your presence in the trade establishment. When closing the
purchase, you should authorize the payment of the purchase
with charge to the card. To process the sales with charge
to the cards, the company is connected through an extranet
with the central computer of VISA, MASTER CARD. These in
turn communicates with the financial entities to obtain
the authorization of each transaction.
The transactions can be sent one by one or in lot. Each
transaction receives an authorization code that indicates
its approval. In the event of being denied, this authorization
code explains the causal of rejection.
Authentication and verification at once
For the development of this project, Asic and Credibanco
decided to divide the implementation in several phases;
the first one, was a diagnosis study, the second, a market
study, continued by the design of the solution corresponding
to the systematizing; then the adaptations were made, and
in the last phase were carried out the tests and the adjustments
of the solution.
Asic installed a system of authentication of payments, of
non present transactions specially designed for Internet,
denominated “Verify By VISA”, which is supported
on Websphere Aplication Server and unified under the standard
of J2EE; whose application platform is the iSeries (AS400).
The company used the IBM Websphere Payment Manager Now included
in the family of products Websphere Commerce Suite. On the
other hand, the Websphere Portal Server Enable was implemented
for the development of recurrent payments. “The solution
is composed by software pieces that enable in the establishments
the solutions of boxes inspectors and of safe electronic
trade”, affirmed Carlos Felipe Rojas, Vice-president
of Operations of Credibanco Visa Colombia.
When implementing the on-line solution, the terminal of
sale point and the electronic stores communicate each client's
information directly to Visa to carry out the authentication
process and validation of the financial transaction, under
strict standards of security and in a quick way. Allowing
that the trade sees these on-line data and avoiding the
manipulation of the same ones. “This platform this
conceived so that it is used by all the trade that at this
time want to develop their channel of sales for Internet.
And at card holders level for the 5 million clients that
we have today in the Colombian market”, explains Luz
Elena Cardona, Director of Investigation and Development
of Credibanco Visa.
One of the benefits that have obtained the Colombian banks
that are operating under this new technology, has been to
offer a bigger value added to the service like bank network
(it is a means of efficient and opportune payment), as well
as to certify the security in the transactions. Also, they
have either obtained an increase of sales through the new
service that they will offer to their card holders, for
credit or for debit. On the other hand, the trade will have
a solution of payments according with the situation of the
modern world, improving therefore the service to the client,
generating more competitiveness and eliminating handlings
of batch files.
For the mark the benefit is the penetration in a segment
of the market as they are the purchases for Internet where
the company didn't have presence and that considers important
for the topic of security. “Internet is the form of
that everybody thinks and yearns to make purchases, it will
be the future, the question it is when and how. Visa, through
Credibanco already has the solution for Colombia”,
Carlos Felipe Rojas assured.
This solution is used nowadays in the company by the area
of Management of Acceptance and the Management of Special
Projects who act in the handling of the relationship with
the trade. The main external users are the warehouses and
the portals in Internet.
Carlos Felipe Rojas concludes that the most important in
this solution that they have elaborated with ASIC, has been
the creation of a new architecture that will be of foundation
and vital piece for the development of future applications.
Besides having an action field undoubtedly for their business.
The trust in the electronic trade is communicated by six
primary components. Since the time is indispensable factor
in the increase of trust, the trust in the Internet, given
its recent incorporation to the daily life, is relatively
superficial. Therefore, the forms, more than the habit are
the decisive factors in the decision of a person to take
a risk. There are six types in ways then:
1. Approval Seals. Symbols like VeriSign and Visa are designed
to give the visitor of the web site guarantee that security
in this site has been established. The companies that provide
these approval seals refer like security marks.
2. Mark. The mark is determined as the supplier's promise
of giving certain attributes and its credibility based on
its reputation and the possible previous experiences of
the buyer.
3. maneuverability. The easiness to find what the visitor
is looking for.
4. Fulfillment. It is indicated clearly how will be processed
the orders and provide information on how some reinstatement
to make if problems are presented.
5. presentation. It incorporates design attributes that
transmit quality and professionalism.
6. technology. State-of-the-art technology that demonstrates
professionalism, no matter if it is of difficult use.
The security and the privacy in internet are topics of personal
control about the personal information. Satisfying most
of people in these two fears in particular it is the first
and more necessary step in the beginning of the construction
of trust. Once the control have settled down, the other
ways should approach.
The trust is not everything in the process of the electronic
trade. At most, many of the sites of more trust were originated
in companies of brick and cement. In conclusion, to establish
the dependability in the network is sometimes less important
than other attributes of the mark, and particularly speaking.
The establishment of a good reputation in the cyber space.
In general, the four bigger reasons to use the electronic
trade are convenience, easiness of use, good prices and
wide variety of products. Anyone of these can be more important
to the moment of buying that the factor of dependability,
however, is clear that increasing the perceived trust of
the site, bigger ability is obtained to compete.
|
