Electronic Payments. Credit Card Fraud Detection. Verification & Compliance. For Web, Phone, POS

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1 Electronic Payments Credit Card Fraud Detection Verification & Compliance For Web, Phone, POS

2 Who uses CyberSource? More than 50% of the Dow Jones companies 50% of the top Fortune 500 companies Major U.S. and European retailers and manufacturers Top U.S. insurance companies Major state and private colleges & universities Federal, state and local government The one place to look. Needs and environments are different. But when businesses, academic institutions and government organizations want to reliably and securely handle transactions online and/or automate and streamline order acceptance, they can look to CyberSource. Based in Mountain View, CA, CyberSource began developing electronic payment and card-not-present fraud detection technology in 1996, well before the e-commerce industry took off. Today, its comprehensive, proven solutions and expert, global support for Web, call center/ivr and POS sales channels have made CyberSource a leading provider for automated commerce transactions. So, whether there s a need for electronic payment processing, credit card fraud detection or both, CyberSource can provide the solution. Leading businesses, academic institutions, and government organizations have chosen CyberSource including the following. CompUSA Fujitsu Home Depot Nike Kohl's H&R Block OshKosh B'Gosh UCLA American Greetings Georgetown University University of Houston Santa Clara University Harvard Business School Commonwealth of Massachusetts University of California, Berkeley City of Phoenix To learn more, visit or the company at [email protected]

3 Diverse, integrated solutions that fit specific needs. Based on transaction services, software applications and professional services, CyberSource solutions offer the functionality, scalability and flexibility required for successful electronic commerce in today s rapidly evolving world market. These solutions can be implemented quickly and easily as single components or as fully integrated systems, managed in-house, outsourced or a blend of both. Customers can implement one component now and add more later. Or they can combine components simultaneously and manage them through a single platform. Whichever operating model they choose, customers get solutions that protect their technology investment. CyberSource s extensive family of solutions integrate with all major commerce, CRM, and ERP platforms, including Microsoft, IBM, BEA, Oracle, PeopleSoft, SAP, and Siebel and support the most popular operating environments, including Windows 2000, NT, Solaris and Linux, as well as additional UNIX platforms.

4 Solutions for electronic payments, fraud management, verification & compliance Electronic Payments Designed to enable payment card and electronic check payments, CyberSource electronic payment solutions work effectively across multiple sales channels. Customers can manage payment processing systems in-house, using CyberSource Payment Manager software, or outsource, using CyberSource Payment Services. Complementary services include gift certificates, tax calculation and fraud screening. Credit Card Processing This solution enables secure, reliable, real-time card processing in multiple currencies. Major cards and card types are supported across multiple processors, worldwide. Electronic Check Processing Businesses, academic institutions and government organizations can accept personal or business checks online, in real-time. Gift and Promotional Certificates CyberSource stored value service supports privatelabeled, online gift certificate programs and prepaid certificate issuance and redemption. Tax Calculation Enables businesses to calculate sales, use, and VAT tax in real-time for orders originating worldwide. Smart Authorization Credit card processing with built-in fraud screening helps online merchants easily combat credit card fraud and process more valid orders automatically. Credit Card Fraud Management CyberSource provides modular solutions that effectively detect fraud and optimize operating efficiency in "card-not-present" sales environments. This modular approach offers customers the flexibility to implement a comprehensive risk management system or individual components, depending on need. Payer Authentication Customers can quickly verify a cardholder s identity to enhance payment security and decrease fraud. Payer Authentication supports Verified by Visa and MasterCard programs. Fraud Screening This solution calculates the risk associated with an order and generates a risk score in seconds. Risk tolerance and final order acceptance/rejection are determined by the merchant. Visa-enhanced modeling helps increase accuracy and reliability. Decision Management Software Provides a flexible, extensible platform that makes it possible to create custom fraud management rules based on product, industry and channel variables. Automatically routes transactions for rejection or customer service action. Risk Management Solution Online merchants get a comprehensive online fraud management solution that enables them to establish, update, and manage custom business rules and fraud screening in real-time through a common interface, as well as integrate payment and verification functions. Verification and Compliance CyberSource solutions allow businesses to verify specific customer data during non-face-to-face transactions and comply with government regulations. Delivery Address Verification Available for orders originating in more than 200 countries, Delivery Address Verification analyzes a consumer s typed address during online/telephone transactions and confirms and corrects the city/state/zip combination.

5 Export Compliance Ensures online merchants are in compliance with U.S. Government export regulations, monitoring order acceptance against an ever-changing list of denied countries and persons. Denied Parties Check Orders are automatically screened for entries on U.S. Government anti-terrorist and other denied parties lists. Denied Parties Check supports merchant compliance with the U.S. Patriot Act of Geo-location Internet user location can be validated by continent, state, DMA, metro and city at the time of a transaction or registration using the user s IP address. Helps ensure compliance with distribution agreements and government regulations. Age Verification This real-time age authentication solution electronically validates consumer s/prospect s age based on U.S. and foreign government-issue identifications and public records. Professional and Support Services CyberSource Professional Services provides consulting, design, integrations and optimization services to businesses and organizations worldwide. Experienced solution architects, project managers, and developers are available to help integrate and optimize transaction capability. Customers also have access to experienced support engineers and technical support account managers who help customer staff implement, maintain and optimize commerce transaction workflow. Questions are answered quickly and reliably thanks to CyberSource s well-defined escalation path. S T R A T E G I C I N D U S T R Y A L L I A N C E S CyberSource solutions are certified and endorsed by key financial institutions and technology companies to ensure that customers can easily integrate reliable, secure, scalable solutions. Following are just some of the strategic alliances maintained by CyberSource: Aspect BEA Concord FDC IBM Microsoft Oracle Paymentech PeopleSoft SAP Siebel Visa Vital

6 CyberSource solutions include: Electronic Payment Credit Card Processing Electronic Check Processing Gift and Prepaid Certificates Tax Calculation Smart Authorization Credit Card Fraud Management Payer Authentication Fraud Screening Decision Management Software Comprehensive Risk Management Solution Verification and Compliance Delivery Address Verification Export Compliance Denied Parties Check Geo-location Age Verification Professional Services & Technical Support Business and technical consulting Implementation and ongoing support services Worldwide Office Information CyberSource Corporation HQ 1295 Charleston Rd. Mountain View, CA Phone: Phone: Fax: CyberSource UK 400 Thames Valley Park Drive Thames Valley Park Reading RG6 1PT United Kingdom Phone: +44 (0) Fax: +44 (0) CyberSource KK (Japan) Toshin 24 Kudan Bldg. 2F Kudan-Kita, Chiyoda-ku Tokyo Japan Phone: Fax: [email protected] 2002 CyberSource Corporation. All rights reserved. CyberSource is a registered trademark in the U.S. and other countries.