1. E-Commerce Technologies for Web Applications

2. Overview Introduction in E-Commerce - Numbers and Projections Engineering – Layers of E-Commerce - Credit Card - Credit Card APIs - Trusted Checkout Services - Frameworks and Tools Security Future ePayments

3. Numbers and Projections Numbers: $10 Trillion of revenues globally in a year Estimated 19% Growth in 2011 reaching $680 Billion in U.S. 38% of consumers shop online at least one a month Initiatives: Obama’s initiative to enhance online security National Strategy for Trusted Identities in Cyber space – Single Secure Logon initiative

4. Layers of E-Commerce E-Commerce Frameworks and Tools Complete application, Services, Shopping cart APIs etc Variety of customizability Trusted Checkout Services Widely Trusted Vendor with a big network of users Third party branded non-customizable Credit Card Processing APIs Build it in you web app Customizable Credit Card Networks Transaction Networks Widely Used

5. Credit Card Networks Two subcategories: Transaction Networks – Visa, MasterCard They just provide the transaction network and they are available to multiple financial institutions Transaction Networks and Credit Services - Discovery, American Express Along with the transaction network they act as the financial institution as well

6. Credit Card Authorization Process

7. Credit Card Processing APIs Provide APIs with all the major credit cards gathered together Provide security Can be integrated as a service in the html code Can be programmed as a service in the code. Several major programming languages are supported Very customizable and personalized Unknown to the user

8. Trusted Checkout Services Google Checkout, Amazon Flexible Payment Services, PayPal Express Checkout etc Well Known trusted services Extremely easily integrated Non-customizable Branded to the vendor Higher cost of service Demo – Google Checkout Example: https://sites.google.com/site/ppantelides

9. Frameworks and Tools Very Little or no programming required Quick Relatively low Cost Flexible and Customizable Different forms and types of services – POS, Web Store etc. Demo – Shopify.com Example: https://whimdemo.myshopify.com/admin

10. Security Credit cards: Visa Card Information Security Program (CISP) MasterCard Site Data Protection (SDP) JCB Data Security Program Discover Information and Compliance American Express Data Security Operating Policy Online Payments SSL TLS

11. Future ePayments ISIS – At&t, T-Mobile*, Verizon joint venture Payments using Cell phones Wallet and Cell phone all-in-one Point-of-Sale on the phone

12. Thank you!