Download - CREDIT CARDS AT UVA
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CREDIT CARDS AT UVACREDIT CARDS AT UVA
Tim Sigmon
Sandy Bryant
Deborah Mills
January 11, 2001
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BACKGROUNDBACKGROUND
Needed to accept credit cards for a variety of services– Donations– Admissions fees– Continuing Education– Conference & event fees–many others
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BACKGROUNDBACKGROUND
Partnered with the University Comptroller– Accounting issues– Credit card balancing issues– Procedures for approving credit card usage
for the service
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BACKGROUNDBACKGROUND
Decisions for Phase I– Credit cards for services only; no goods– Did not want to store credit card numbers
on university machines– ITC would provide the credit card
infrastructure– Departments would develop or would
contract for development of the “storefront” and the backend processing
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PILOT PILOT
Examined options for the acquiring financial institution (Cybercash, Signio, SurePay, ...)
Selected SurePay ITC developed the infrastructure ITC developed the “storefront” and the
backend processing for the pilot Long-term the ITC Business Services group
will customize a template for the “storefront” & backend for a fee
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PILOTPILOT
Architecture– Java servlets & JSPs– SurePay Java SDK, transactions in XML– Tomcat – v.3.1– Apache – v.1.3.12 with SSL– Locally written software – straightforward &
available– Hardware – Sun Ultra 10, 440 MHz, 512 MB,
mirrored 9GB drives– Identical warm spare – moveable disk array
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Departmental Web Server
1. The department gather the contact and purchasing data…
Name:Item Cost Quantity
1 $10.00
2 $15.00
John Doe
Calculate Total
10
3
Departmental Web Server
HTTP
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Credit Card Gateway
2. Computes the total and returns a confirmation screen with hidden fields specifying the Credit Card Gateway
Please Confirm! $100.00
$45.00
Total: $145.00
Yes
Departmental Web Server
HTTP
<form = ccgatewayURL>
<sender = department>
<total = 145.00>
Page Source
Name Total
John Doe $145.00
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Credit Card Gateway
3. The Credit Card Gateway returns a form requesting Credit Card number…
Credit Card Type
CC Number:
Total: $145.00Submit
HTTP
SSL
VISA
********
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Credit Card Gateway
4. The Credit Card Gateway returns a screen confirming the request was received and simultaneously passes the information to the Credit Card Authorizer
Thanks!
Your submission has been received.
Return to Department
HTTP
SSL
SurePay Server
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Credit Card Gateway
5. The Credit Card Authorizer sends authorization status to Gateway. Gateway passes status (via email, http, etc.) to department
HTTP
or
SSL
SurePay Server
Departmental Web Server
Authorize
or
Decline
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6. Department contacts individual (via email, phone, etc.) with status of credit card transaction.
Departmental Web Server
Your VISA card has been authorized for $145.00.
You are now enrolled in …
Thank you
Name Total Status
John Doe $145.00 Authorized
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Web Manager
SurePay Server
John Doe
$145.00 Authorized
Monies moved into account
=
7. Department then uses the Credit Card Authorizer’s web management system to record business activity to later compare with bank’s account statements.
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PILOTPILOT
Areas using the credit card gateway or interested in using it– Continuing Education– International Health– Casenex– Development site– Cavalier Advantage Card– Parking and Transportation– Transcripts– Box Office type transactions
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ISSUES TO CONSIDERISSUES TO CONSIDER
Understand the fee structure of the acquiring financial institution and negotiate
Work with your finance area on procedures for setting up merchant IDs and institutional procedures
Audit approvalUnderstand address verification and
how and where you will/will not use this
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ISSUES TO CONSIDERISSUES TO CONSIDER
Fraud prevention capabilities don’t make a lot of sense for long term services
Work with the finance area on the web interface for transactions and settling
Tomcat – not in the standard build for web servers
Learning curve for departments – setting up their site and processing credit cards
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ISSUES TO CONSIDERISSUES TO CONSIDER
Asynchronous confirmation for customers on the results of the charge– Big sites do this– Accepting/rejecting the transactions
dealt with differently by departments