IBM AS/400e

IBM Licensed Programs: Application Development Products 669
IBM Licensed Programs: Application Development Products
There is an exported data model that can secure customer-critical business data. This
assures that access to merchant financial information is protected. This function also assures
that access to merchant data is restricted. It also provides a secure method to allow access
to merchant data from business applications.
Medium, large, and enterprise companies can process business-to-consumer and
business-to-business payment by connecting to a suitable gateway and using SET, an
industry-standard protocol, or a proprietary protocol such as CyberCash, or other protocols
served through use of independently developed and installed cassettes. Combined with IT
services (in-house or contracted), Payment Manager can integrate existing frontend or
backoffice business systems to:
• Manage sophisticated payment options demanded by ERP systems.
• Solve payment needs for corporations with multiple distant branch locations.
Payment processing management means that catalog and order management applications
are integrated using APIs to perform functions such as:
• Securing credit authorization while the customer is still present
• Charging the customer only after the product is shipped
• Collecting payment when a back-ordered product is shipped at a later date
• Crediting a customer account when an item is returned
Flexibility allows the exploitation of the multipayment framework to choose the financial
institution that fits business needs. Additional payment choices can be created when needed.
WebSphere Payment Manager manages Internet payment transactions for e-commerce. It
includes:
• MPF application
• Cassette for secure electronic transaction (SET)
• Test cassette to verify installation and setup
• Cassette for CyberCash CashRegister Service, Version 3 (available separately, initially
only U.S. and Canada)
• Hosting service for businesses that outsource payments
• Integration of payments into catalog software and business processes
• Processing of credit card and other Internet payment methods
• Straightforward, automated installation
• Connection to credit card processor gateways using SET, the industry-standard protocol
• Designate capabilities by user and function:
– User authentication
– Role-based access control
• Deliver exceptional service:
– MPF — add current or emerging payments types using cassettes
– Secure, browser-based, cash register user interface