Web On-Line Payment Rutgers, The State University of New Jersey Copyright Rutgers University 2002. This work is the intellectual property of the author. Permission is granted for this material to be shared for non-commercial, educational purposes, provided that this copyright statement appears on the reproduced materials and notice is given that the copying is by permission of the author. To disseminate otherwise or to republish requires written permission from the author. Web. Online Payment for Student Services
Presentation Overview • Project Background • Technical Discussion • Questions & Answers Web. Online Payment for Student Services
Business Need & Project Goals • Provide enhanced service to university constituents and processing efficiencies and cost savings to university departments through the implementation of an online payment solution • Develop a reusable, common, standardized module that is callable by any authorized RU website for the purpose of accepting online credit/debit card payments Web. Online Payment for Student Services
Anticipated Benefits • • Enhanced service Processing efficiencies Reduction of “in person” services Cost savings More timely revenue recognition Encouraged use of online services Maintain competitive position Web. Online Payment for Student Services
Anticipated Challenges • • New Paradigm Security Audit Requirements Performance Web. Online Payment for Student Services
Critical Success Factors • • Ease of use Secure and accurate processing Rapid response time “Plug & play” capability Platform independence Simplified deployment Integration with back-end financial systems Web. Online Payment for Student Services
Setting The Stage Mid to late 1990’s: • Implementation of Oracle/UNIX infrastructure • Development of web applications to “surround” legacy systems • Enhanced online services - application for admissions, registration, course schedule, statement of accounts, online directory, parking registration • Use of printed and mailed vouchers for payment Web. Online Payment for Student Services
Initial Steps • Gain an understanding of e-commerce infrastructure and online payment process • Define high level business and technical requirements • Research state of the industry and evaluate vendor offerings Web. Online Payment for Student Services
Configuring an e-commerce Infrastructure • Create web-site to accept payment information • Implement SSL server certificate to authenticate yourself to your customers and encrypt transactions and communications • Connect to an online payment service - a secure online payment management system which allows web sites to securely accept, process and manage online payments • Obtain merchant account(s) from a financial processor (e. g NOVA) and register the account with the online payment service provider (e. g. Verisign) Web. Online Payment for Student Services
E-payment Process Flow (Authorization & Settlement) Web. Online Payment for Student Services
Required Functionality • Accept, validate and transmit online payment info to service provider and provide authorization back to customer • Receive settlement transactions from financial processor; reconcile and post to general ledger • Retain transactions in a secured repository for reporting and audit capabilities • Provide necessary security to limit usage to authorized RU calling applications and to secure data storage & transmission Web. Online Payment for Student Services
Internet Payment Service Providers • • • Verisign (Signio, Cybercash) - www. verisign. com Cybersource (Paylinx) - www. cybersource. com Clear Commerce - www. clearcommerce. com Trintech - www. trintech. com First Data Surepay - www. surepay. com Digital Courier - www. dcti. com Web. Online Payment for Student Services
Vendor Evaluation & Selection • • Architecture - scalability, interoperability Functionality Security Performance (response time & availability) Support Pricing Ease of deployment In-source (build & manage) vs out-source (contracted internet payment service provider) Web. Online Payment for Student Services
Verisign Payflow Pro • • Industry leader Easy deployment Intermediate sized solution Attractive Pricing Model Web. Online Payment for Student Services
Stakeholders & Participants • • • Computing Services Financial Accounting (Controller) Treasury Operations Internal Auditing Procurement Services Office of Compliance & Student Policy Concerns Office of Information Protection Client Departments Internet Payment Service Provider Financial Payment Processor Web. Online Payment for Student Services
Major Milestones • 4/01 - Feasibility Study & Recommendation complete • 8/01 - Undergraduate Admissions Application Fee Payment • 11/01 - Student Term Bill Payment • 2/02 - Graduate Admissions Application Fee Payment • 3/02 - Parking Violations Payment • 3/02 - Undergraduate Admissions Acknowledgement Fee Payment Web. Online Payment for Student Services
Architectural Philosophy • • Build once, use many times Focused scope of development Independent modules (FE, BE, SM) Database concentric (Transaction/Control tables) • Support any Rutgers University website • Automate Financial feeds Web. Online Payment for Student Services
Architectural View Web. Online Payment for Student Services
Technology Selection • Sun/Solaris platform selected (Performance/Volume, Security) • Sun E 4500 Database Server • Sun E 420 R Web Server (IAS) • Oracle 8 i as the RDBMS • Oracle PL/SQL • Veri. Sign Solaris Sparc SDK Web. Online Payment for Student Services
Design Considerations • Provide a generic Rutgers look and feel • Develop dynamic screen areas for customizations (sub-titles, c/d cards) • Callable from disparate platforms (Mainframe, UNIX, Windows 2000/NT) • Procedures for reconciliation Web. Online Payment for Student Services
Security & Audit Considerations • SSL encryption & Anti-spoofing • Handling of credit card information • Retention of and access to authorization & settlement data • Online messages for privacy policy, security statement • Procedures for authorizing access to web payment • Visa Cardholder Info Security Program (CISP) www. usa. visa. com/business/merchants Web. Online Payment for Student Services
System Design • • • WOLP Oracle Transaction tables WOLP Oracle Control tables WOLP Front-end (Web PL/SQL) WOLP Back-end (Cobol & Oracle) WOLP Security Module (Developer) Web. Online Payment for Student Services
Transaction Tables Web. Online Payment for Student Services
Control Tables Web. Online Payment for Student Services
WOLP Front-end Web. Online Payment for Student Services
WOLP Back-end Web. Online Payment for Student Services
WOLP Security Module Web. Online Payment for Student Services
Development • Each logical module assigned to a single Applications Developer • DBA involvement from the beginning • Internal Auditing involvement early • Security designs with CTO • Mercury Interactive Win. Runner (FE) • Mercury Interactive Load. Runner (FE) Web. Online Payment for Student Services
Input Screen (Template) Web. Online Payment for Student Services
Input Screen (Completed) Web. Online Payment for Student Services
Verify Screen Web. Online Payment for Student Services
Transaction Accepted Web. Online Payment for Student Services
Transaction Declined Web. Online Payment for Student Services
Communications Error Web. Online Payment for Student Services
Activation Procedures • Meeting to discuss goal and economic feasibility • Meeting to discuss technical and business issues, interfacing and project plan • Establish Veri. Sign Purchase Order • Establish Internet Merchant Account • Set up test Control Record & Security Package • Perform integration test • Set up production control record (Security Module) • Test the Control Record in production ($1) • User tests calling application in production • Monitor the WOLP & calling application Web. Online Payment for Student Services
Technical Lessons Learned • • Single “Submit” clicks Duplicate Suppression enabled Store Intermediate Transactions Easy access to reconciliation data Transaction cut-off timings Security Module in Developer (Jinitiator) Database Independent Language Web. Online Payment for Student Services
Statistics • Five “calling applications” active – Undergraduate Admissions Application Fee – Student Statement of Account (Term Bill) – Parking and Transportation Services (Fines) – Graduate Admissions Application Fee – Undergraduate Admissions Acknowledgment Fee • From August 6, 2001 through May 10, 2002 – Total Transactions = 16, 500+ – Total Dollars = $10, 500, 000+ • Undergraduate Application Fee is 40% online • First term bill accounted for 10% of revenues Web. Online Payment for Student Services
Future Calling Applications • • • Parking Registration for Students Parking Registration for Faculty/Staff Graduate Admissions Express Mail Fee Campus Information Services Library Services Winter/Summer Registration Continuing Education Athletics Foundation Web. Online Payment for Student Services
Contact Information Don Gordon Director (Acting) - Operations & Tech Support Rutgers Administrative Computing Services dgordon@acs. rutgers. edu Joe Percoco Director - Application Development Rutgers Administrative Computing Services percoco@acs. rutgers. edu Web. Online Payment for Student Services
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