Banner Client--PayPal Merchant

Transcription

1 SUNGARD SUMMIT 2007 sungardsummit.com 1 Banner Client--PayPal Merchant Presented by: Kevin Davidson, Rose-Hulman Institute of Technology 1:30 p.m. March 21, 2007 A Community of Learning

2 Rose-Hulman Institute of Technology - Four-year, private, nonsectarian college of engineering, science, and mathematics Location: 200+ acre campus east of Terre Haute, Indiana Founded: 1874 as Rose Polytechnic Institute Renamed: 1971 as Rose-Hulman Institute of Technology Enrollment: 1,963 Average class size: 25 Faculty: 161 full-time teaching faculty; (99% Ph.D's) 2

3 Rose-Hulman is using PayPal to collect tuition payments, deposit payments, miscellaneous payments, fees, donations and sales. Across all applications, from Admissions to Alumni, we have found PayPal to be fast, safe and secure. This presentation will cover the security, operational, technical and functional issues we have faced during our first three years of using PayPal for online payment processing. Highlighted is integration with Banner. 3

4 Discussion Points Customer expectations and the online payment culture Institutional expectations and requirements Online payment alternatives The PayPal Alternatives Rose-Hulman s implementation 4

5 SUNGARD SUMMIT 2007 sungardsummit.com 5 Customer expectations and the online payment culture A Community of Learning

6 Customer expectations and the online payment culture E-commerce The common theme and benefit in e-commerce sites is instant purchase, instant payment and instant gratification for the customer. A defining characteristic is that all e-commerce web sites accept a type of online payment, whether through a third party or directly with a merchant account. The internet is changing world view of shoppers. Instant gratification is a reality. Utilizing e-commerce allows customers the ability to quickly take delivery of the goods they require and desire. They can return and order again and again without ever leaving their home. Most experts agree that it is only a matter of time before all organizations will have some sort of e-commerce presence in order to remain competitive. The development of software and tools to improve the productivity of e- commerce sites remains strong. This expectation is strong with our clientele! 6

7 SUNGARD SUMMIT 2007 sungardsummit.com 7 Institutional expectations and requirements A Community of Learning

8 Institutional expectations and requirements Evaluate current payment processes Improve timeliness of payments Implement best-practices Comply with regulations and audit findings Balance convenience, security and cost Reduce financial exposure and risk Address global issues 8

9 Online Payment Processing Goal: Enable any web page to handle online payment Enterprise solution (sweep the table) Banner Finance Banner Accounts Receivable Donations from alumni and friends Fees for special events and conferences Payments for novelty items 9

10 Online Payment Processing Banner Self-Service payments Student/Parent tuition payments Student/Parent deposit payments Alumni gift/pledge payments Miscellaneous payments (No ID or TERM) 10

11 Online Payment Processing Challenge: Simple and consistent payment processing Must be fast, easy and secure Must be versatile with simple integration Must play well with other existing and future solutions Low startup costs Licenses Set-up fees and installation Additional hardware & software Good exit strategy with no long-term commitment 11

12 Online Payment Processing Data integrity Authentication Who are we dealing with? Authorization What are they able to do? Translation Multiple languages and currencies Data privacy Exposure Do we want the responsibility? Storage Does private data get stored or logged on our system? Transmission Are all of the players serious about security? 12

13 SUNGARD SUMMIT 2007 sungardsummit.com 13 Online payment alternatives A Community of Learning

14 Online payment alternatives Many solutions each with pros and cons Most require lots of money or lots of programming Complicated environment Financial cloud Local services Testing and development 14

15 Major players in the finance cloud Institute s Credit Card account Internet merchant account (bank) Transaction Processing Clearinghouse Institute s Bank account (bank) Automated Clearing House 15

16 Processing fees Up front application fee On-going fixed fees Gateway fees Discount rate Fixed transaction fees Termination fee Miscellaneous fees Andy Quick

17 Online Payment Processing Returns and Charge-backs Banner integration Advancement Student Accounts Receivable Finance Finance reconciliation Phone, fax or mail-in orders with credit card 17

18 SunGardHE Education Collaborative Member Solutions for Payment Processing CASHNet CORE Business Technologies (ipayment) NELNET Business Solutions (infinet QuikPAY) Official Payments SALEPOINT (J-Point OLCS) SallieMae Business Office Solutions (Net.Pay) Shift4 Enterprise Payment Solutions TouchNet 18

19 Online Payment Processing Custom solutions Perl Business::OnlinePayment Verisign PayFlowPro PayPal with Instant Payment Notification 19

20 SUNGARD SUMMIT 2007 sungardsummit.com 20 The PayPal Alternatives A Community of Learning

21 Quick Facts PayPal is an ebay company Account base of 100 million (+104,500 per day) Transactions average $8.1 billion USD per quarter Fees (for US buyers) % + $0.30 USD per transaction Three payment solutions: Website Payments Standard (HTML) Website Payments Pro (API) Payments ( ) Virtual Terminal - an online version of the credit card swipe machines for processing orders by phone, fax, or mail with credit card. $20 per month 21

22 PayPal in a Nutshell Transfer money between two entities identified by a verified address Notify both entities via about all transactions that effect their balance Allow each entity to define source/destination of funds (bank accounts and credit cards) to supply/drain their balance 22

23 PayPal Makes Payments Easy 23

24 Rose-Hulman as a PayPal merchant address paypal@rose-hulman.edu Define local list (optional but suggested) Open a bank account Setup PayPal business account Create the primary business account (once): Every other time: 24

25 Making it easy for the buyer Use web pages to display PayPal button Amount and quantity Item name and number Control navigation after payment Return method (GET or POST) Return URL successful payment Cancel URL cancelled payment 25

26 Making it easy for the seller Channel to correct office Collect data for internal use (mailback or ajax) Pass through data (ID, TERM, DETAIL) CUSTOM INVOICE (enforce one-time-only payments) 26

27 Making it easy for the seller Instant Payment Notification (IPN) PayPal posts payment data to backend server Backend server verifies transaction data Data is stored in Banner database IPN URL: Data is transmitted with doubled-delay 27

28 Making it easy for the seller IPN database tables, triggers, packages and forms FZBPIPN Base table of all IPN data FZRPIPN Repeating table for posting PAYPAL PL/SQL package FZAPIPN Form to access FZBPIPN, FZRPIPN, FZBASDF FZAMERC Form to define posting parameters (clone of GOAMERC) Support all system codes GTVSYSI 28

29 Making it easy for the seller Settlement database tables, processes and reports FZBASDF Base table for settlement data FZPASDF Process to retrieve settlement data FZRASDF Report (CSV) of selected data TZRCLOS Report/Process to close cashiering session (clone of TGRCLOS) Cashier Inclusion Detail Category Code Inclusion 29

30 CREATE TABLE FZBPIPN FZBPIPN_TXN_ID VARCHAR2(17) PRIMARY KEY, FZBPIPN_RECEIVER_ VARCHAR2(127) NOT NULL, FZBPIPN_RECEIVER_ID VARCHAR2(17) NOT NULL, FZBPIPN_PAYER_ VARCHAR2(127) NOT NULL, FZBPIPN_PAYER_ID VARCHAR2(17) NOT NULL, FZBPIPN_PAYMENT_TYPE VARCHAR2(17) NOT NULL, FZBPIPN_PAYMENT_DATE DATE NOT NULL, FZBPIPN_PAYMENT_STATUS VARCHAR2(17) NOT NULL, FZBPIPN_RECEIPT_ID VARCHAR2(32), FZBPIPN_TXN_TYPE VARCHAR2(17), FZBPIPN_PENDING_REASON VARCHAR2(17), FZBPIPN_REASON_CODE VARCHAR2(17), FZBPIPN_BUSINESS VARCHAR2(127), FZBPIPN_PARENT_TXN_ID VARCHAR2(17), 30

31 CREATE TABLE FZRPIPN FZRPIPN_TXN_ID VARCHAR2(17) NOT NULL, FZRPIPN_PAYER_ VARCHAR2(127) NOT NULL, FZRPIPN_PIDM NUMBER(8) NOT NULL, FZRPIPN_TERM_CODE VARCHAR2(6), FZRPIPN_AMOUNT NUMBER(12,2), FZRPIPN_DETAIL_CODE VARCHAR2(4), FZRPIPN_CCRD_CODE VARCHAR2(10), FZRPIPN_PROC_CODE VARCHAR2(30), FZRPIPN_CASHIER_ID VARCHAR2(30), FZRPIPN_MERCHANT_ID VARCHAR2(20), FZRPIPN_MERCHANT_IND VARCHAR2(1), FZRPIPN_EFFECTIVE_DATE DATE, FZRPIPN_TRAN_NUMBER NUMBER(8), FZRPIPN_SESSION_NUMBER NUMBER(5), FZRPIPN_CSHR_END_DATE DATE 31

32 CREATE TABLE FZBASDF FZBASDF_TXN_ID VARCHAR2(17) PRIMARY KEY, FZBASDF_TXN_TYPE VARCHAR2(3) NOT NULL, FZBASDF_AMOUNT NUMBER(12,2) NOT NULL, FZBASDF_FILE_NAME VARCHAR2(8) NOT NULL, FZBASDF_INITIATED_DATE DATE NOT NULL, FZBASDF_COMPLETED_DATE DATE NOT NULL, FZBASDF_PARENT_TXN_ID VARCHAR2(17), FZBASDF_T04_TXN_ID VARCHAR2(17) 32

33 PAYPAL Package (PL/SQL) PROCEDURE P_PIPN2 PROCEDURE P_Send_Mail PROCEDURE P_Insert_FZRPIPN PROCEDURE P_Display_Table PROCEDURE P_ _Order PROCEDURE P_Display_Button PROCEDURE P_Student_Payments PROCEDURE P_Send_Money PROCEDURE P_Housing_Deposit PROCEDURE P_Tuition_Deposit PROCEDURE P_Catapult_Deposit PROCEDURE P_Catapult_Trip_Payment 33

34 PAYPAL Package (PL/SQL) FUNCTION f_urlencode FUNCTION f_parse_detail FUNCTION f_parse_term FUNCTION f_parse_pidm FUNCTION f_parse_id FUNCTION f_parse_user 34

35 Database triggers FZBPIPN_TRIGGER Calculate net amount (gross fee) Parse CCRD_CODE from business address Parse detail code from custom, invoice or memo Parse term code from custom, invoice or memo Parse PIDM from custom, invoice or memo Insert FZRPIPN record(s) as needed FZRPIPN_TRIGGER Call TBRACCD API if process is PAYPAL-TUITION Call TBRDEPO API if process is PAYPAL-DEPOSIT Call TBRMISD API if process is PAYPAL-MISC Debit (MPPP) and Credit 35

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42 WebTailor Parameters PAYPAL_DOMAIN rose-hulman.edu PAYPAL_ _SERVER exch-gw.ms.rose-hulman.edu PAYPAL_ERROR_ PAYPAL_IPN_ADDRESS PAYPAL_RECEIVER_ PAYPAL_RECEIVER_ID W3YCVPD9CLM7C 42

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60 User Views Example: BANINST1.PAYPAL_ADMIS create or replace force view PAYPAL_ADMIS as select * from FZBPIPN where FZBPIPN_CCRD_CODE = 'PYPL-ADMIS' union select CHILD.* from FZBPIPN CHILD, FZBPIPN PARENT where CHILD.FZBPIPN_PARENT_TXN_ID = PARENT.FZBPIPN_TXN_ID and PARENT.FZBPIPN_CCRD_CODE = 'PYPL-ADMIS' 60

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62 Prototype Development and Testing PayPal Sandbox Each developer has their own Sandbox account Add business account for merchant Add buyer accounts View messages for both (internal) IPN data is transmitted PayPal Developer Community Find information and share tips Search the forum archives PayPal Help Center Documentation PayPal technical support 62

63 Problems we don t have Issues with Java payment client (servlets, JNI, DST) Need for back end processors (like VeriSign/CyberCash) Needing support for multiple merchants Handling validation of credit cards Manually settlement of transactions (daily) Storage of credit card info (TBRACCD and TBRMISD) Need for third party gateways (TPG, EPOS, ipayment) Viewing confidential payment information Issues with paymentclient.properties 63

64 Usage and Growth Trends $3.3 million gross payments (Count = 5026) $50,442 in fee payments Effective discount 1.5% 87 refunds or partial refunds 64

65 Future Plans AJAX generated payment area and button Enhanced processing of form data distribution Harvest form data into database Enhance settlement data processing Implement PayPal Virtual Terminal 65

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69 Summary The future of online payment processing will demand more than simple transaction gateways. Security and privacy issues trump convenience. PayPal really is fast, free and secure to the buyer PayPal really is fast, affordable and secure to the merchant 69

70 Thank You! Kevin Davidson Please complete the online evaluation for SunGard, the SunGard logo, Banner, Campus Pipeline, Luminis, PowerCAMPUS, Matrix, and Plus are trademarks or registered trademarks of SunGard Data Systems Inc. or its subsidiaries in the U.S. and other countries. Third-party names and marks referenced herein are trademarks or registered trademarks of their respective owners SunGard. All rights reserved. 70