e-Payment for e-Tourium

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e-Payment for e-Tourium

• Somwang L.
• General Manager

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Outline

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  ?????? ??????????????????? (Ex. VISA Network)
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  ????????????????????????????? (??????? EDC)
• ????????????????????????????????????????? EDC
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How Credit Card Works?
Settlement Process
Issuing Bank
Visa/Master
Merchant Bank
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Card Holder
Store
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Data Security
Data Security
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Industry Specific Security 3DSecure

• Verified by Visa
• MasterCard SecureCode
• JCB J-Secure

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What is 3D Secure?

• 3D Secure ????????????????????????????????????????
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Verify by VISA Master Card Securecode
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???????? VbV, Mastercard Secure code

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  3D Secure
• ?????????????????? ???????? ATM ??????????????
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• ???????????????????????????????? SMS (?????)

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Online Credit card payment
Source Nielsen // NetRatings Online Retail
Monitor December 2006
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• Merchants in the travel tourism industry
• Airlines and airline tickets
• Online travel agents and portals
• Travel accommodation
• Merchants selling intangible goods services
• Software
• Online multimedia
• Online games and virtual worlds
• Memberships

Rated 1,2 and 3 in past 12 months online
shopping spending in A/P by Visa
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(Payment Operator)
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• PayPal
• PayPal Inc. (www.paypal.com) ???
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  ??? ???????????????????????????? (C-to-C Payment)
  ???????????????????????? (P-to-P Payment)
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• PAYSBUY
• PAYSBUY (www.PAYSBUY.com) ??? ???????????????/???
  ???? ??????? ?????????????????????????????????????
  ????????????????????????? (e-Wallet)
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?????????????????????????? PAYSBUY
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Purchasing flow
Buyer
Web Site
Seller
Post products
Buy products and select payment
Make payment
Bank
If payers dont have enough money in the wallet,
they need to add fund to theirs.
Pay with

Money transfer to merchant accounts
sellers withdraw money to their bank accounts.
Pay by credit card ( Direct Pay service)
PaySbuy Account
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Bank Transfer Pay at post Counter Service Online Credit Card 3rd Party (PP,PSB) Telephone Internet Payment Direct Debit
Channel type Offline Offline Online Online Online Online
Payment Acceptance fee Free Baht / Trans. on receive on receive Baht / Trans Monthly fee Baht / Trans.
Period to receive money ????? Next 3 days Next day ????? ????? ?????
Apply process ????? ????????????. ???????????????????? ???????????????? ????????? ?????????. ???????????????????? ????????????? ????????????? ????????????? ?????????????????????????? ???????? ?. ??????????? Bill payment ?????????????? ???????? ?. ???????????????? ?????????????
Risk No No Yes Yes Yes Yes
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Source NSO e-Transaction survey 2007
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Thank you