Payment Gateway - Innovation In Multiple Payments - Ijcaonline
International Journal of Computer Applications (0975 – 8887)Volume 59– No.16, December 2012Payment Gateway – Innovation in Multiple PaymentsR NagasubramanianResearch Scholar, Vels University, Plot 2A,Andavar Street, Ganapathy Puram, Chrompet,Chennai – 600 034ABSTRACTWith the advancement of technology and internet usage, theworld is shrinking day by day and the business boundaries areexpanding beyond imagination. Any business ownernowadays cannot dream of launching in a bigger way withoutthe online presence (payment facility). For consumers, withEcommerce and best infrastructure to ship products, they candream of getting any product/service from any part of theworld in a short time cutting across all barriers. Ecommercesystems depend mainly on the payment gateway serviceproviders to facilitate payment transactions. Now the paymentgateway service providers are focusing on providing lot offeatures and user friendly options to increase market share.Through this paper, a new approach to the Multiple paymentmodes is brought into light which will be different from theusual multiple payment options available in the OnlinePayment Industry. With this option, user experience is madegreat and saves time for the user with the flexibility to payfrom many options.General TermsThis paper discusses an improvement in the existing importantfeature of Online Payment Gateway called Multiple Paymentswhich will make Online Payment Gateway incorporating thebest of features of Split Tender Payment [1] option also whichmakes this mode more efficient and user friendly.KeywordsOnline Payment, Split Tender Payment, Multiple Payment,Security, Credit Card, Wire Transfer, Debit Card, Check,Banking, Master, VISA, Amex, PCI DSS.1. INTRODUCTIONOnline payment gateway empowers the portals to be apowerful tool to make life simple and gives the luxury ofmaking payments to any biller in any part of the world.Online Payment is the best way making payments for variouspurposes like making utility payments, transferring fundsapart from supporting ecommerce to purchase products orservices. There are various systems and complex processesinvolved in the online payment cycle even though for the userit may take few seconds to complete the payment. Refer theFigure 1. Generally any typical online payment system thatdeals with the Merchants as their main vendors who will caterto the online payment of their customers consists of belowstructure. The system will have customers who will pay theirbills or any online payments, merchant website which willhave all options to show and receive payments of theircustomers and payment gateway provider who will beinstrumental in facilitating the payment by interacting with mex/ACH.S.P.Rajagopalan, PhD.GKM College of Engineering & Technology,Chennai- 600 063, IndiaEvery payer needs to login into the merchant website usinghis login credentials, select the bill to be paid, select thepayment mode like be Credit card/Debit card or online bankaccount. The payment gateway provider performs the task ofcollecting the payment credentials, send it to the paymentprocessors, check card validity, credit limit validity, requestfor making payment to payment processors, gets the result ofeither success or failure of payment status with detailed errorcode and return it back to the merchant website whichoriginated the call along with transaction id. If the details arevalid and customer has credit limit to make payment, amountwill blocked in his card credit limit and credit request will begiven to vendor bank account. On the settlement period, theactual transaction takes place and the credit and debit ofaccount will take place in case of card account. The reflectionon the transactions list or statement happens at the presetfrequency when the card issuing bank account queries thepayment processors and fetches information to show to itsclients which will be generally couple of times in a day at apredefined interval. In case of bank account, the debit willhappen from customer account at the predefined interval ofprocessing of bank accounts and in general, this will be ineach hour. The result code and result message conveys thetransaction status to the merchant site with detailedinformation on error code, if any along with the transaction id.The transaction id returned along with the information sent formaking payment will be stored in the merchant database andwill be presented as the report to the customer to provide thecomplete information about the transaction happened. Eachpayment will be processed based on merchant settings onsettlement time on that day and merchant may receivepayment in couple of days based on arrangement he has withpayment gateway providers. A successful transaction can becancelled (made void) before settlement by merchant himselfand if to be cancelled after the settlement, refund can be madeby requesting payment processor with another api withrequired parameters. More information in detail about anonline payment gateway can be seen in the patent given inreference [4].The entire process of payment may take few seconds to aminute in a secured way using various protocols and systems.Since security is the main concern, the industry follows thestandard called “Payment Card Industry Data SecurityStandards - PCI-DSS [5] which is the well defined standardadopted in payment gateway systems around the world. In thispaper, we will bring out some additional features in MultiplePayment which will increase the utility, user friendliness andmake the online payment a more convenient.33
International Journal of Computer Applications (0975 – 8887)Volume 59– No.16, December 2012CUSTOMERLogin to MerchantwebsiteMERCHANTMerchant /Vendor WebsitePayment GatewayProviderMasterVendorBank a/cVisaCustomer selects bills tobe paidSelect payment mode like creditcard/debit card/net bankingEnter relevant Paymentinformation along with requiredvalidation details to pass throughthe authentication processAfter successful validation pass,payment is made to merchant.Can view payment history frommerchant websiteMerchant Logs in tohis manage consoleCan update bills of customerthrough Bill load file dailyCan manage customer info, billsinfo, payment options, CSR infoand etcCan view transactions details,settlement details, conveniencefee details, process refundrequest, view various transactionreports.Verifies thecustomerpayment requestby checkingaccount validity,credit limit bycommunicatingto nd processstatus as theresult oftransactionprocessing to themerchant sitewith appropriatesuccess/failurecode.Fig 1: Existing Online Payment System2. INNOVATIONS IN MULTIPLEPAYMENTMultiple PaymentMultiple Payment is the option to make payment for morethan one bill of one or more than one vendor with a singleclick.Here we assume that the vendors are registered with thepayment gateway and are in agreement with getting paidthrough this unified service provided by payment gatewayeither directly or through some merchants.2.1 Options available in existing MultiplePayment featureThe existing online systems or electronic payment systemsallows the payment to be made for single bill using multiplesources[6] or allow selecting multiple bills but payment to bemade from single source. For example, current systems allowusers to select more than one bill from single merchant andcan make payment using credit card or any other method tomakepayment directly to the merchant. The payment can be madefrom loyalty cards also in which reward points can beredeemed for money and remaining amount can be made fromeither credit//debit cards. There is no system designed tomake payment using more than two sources in existing splittender payment option. Consider the scenario of payment tobe made is Rs.10000. If the user has reward points of 1000which can be redeemed as Rs.1000 and if the user has creditcard which has the limit of only Rs.6000 and if he has debitcard or access to bank account online (net banking), usercannot make the payment as the current systems allow onlyone type of payment other than reward points. Most of theonline merchants who receive payment do not allow thepayment from multiple payment processors likeMaster/Amex/Visa at a time (more than one paymentprocessor in a split tender payment).34
International Journal of Computer Applications (0975 – 8887)Volume 59– No.16, December 2012Select more than one Bill to be paid(from single Merchant)Amount to be paid will be summed upand can be paid at one timePay using Reward points/Loyalty Cardand remaining using a single PaymentMethod (Credit card, Debit Card, NetBanking)After successful transaction, Rewardpoints will be redeemed and remainingpayment will be recovered fromcredit/debit card or net bankingAmount will be settled to theMerchant after the settlement periodmode(s) if required. Consider the scenario of payingInsurance Premium for car insurance from company1 is forRs.10000 and Telephone bill of Rs.4000. Under this proposedsystem, an user can pay the amount using various paymentmodes like using credit card, using net banking or using debitcard, using reward points and etc. The best part of this isoption can be even provided to use different types ofcredit/debit cards like Master, Visa and etc at the same time tomake the payment. Refer Figure 3 given below.Another important feature is to allow a bill to be paid usingvarious payment provider type like Master, Visa and Amex.For example, to make a total payment of Rs.14000 can bepaid using credit card itself by selecting payment method as“Credit card”. Then the payment can be made from more thanone credit card. One payment of Rs.7000 can be made from aMaster Credit card, another Rs.5000 can be paid using a Visacredit card and another Rs.2000 can be made using a Amexcredit card or can use existing Reward points to make this lastpart of payment.Select multiple Bills from one or moreMerchants/vendorsThe total amount will be summed up andcan be paid together directlyFig 2: Traditional Multiple Payment feature[8]The limitation is forced due to various reasons like theability to interact with more than one bank or serviceproviders and ability of existing system to send request formultiple service providers, get each requests validated, geteach request approved and track each responses, makingsettlement to various merchant/vendor accounts which mayincur more operation cost and technical challenges. Above allit also involves transactions with various payment processorsfor each item/invoice which may incur more cost to themerchants concerned. Refer Figure 2 given above whichdepicts the general overview of existing Multiple Paymentsystem.Select two or more Payment Methods(Credit Card and/or Debit card and/or Netbanking and if required use Rewardpoints/Loyalty points to make paymentPay a partial amount using Credit cardand/or pay partial amount using Debit cardand/or partial payment using net bankingand if required2.2 Proposed features to Existing MultiplePayment OptionThe new system will help in making the payments in thefollowing efficient ways .In our new application, we combinethe advantage of two important features - using MultiplePayment and Split Tender Payment feature. Multiple Paymentis the option to make payment of bills of more than onevendor in a single click. Split Tender Payment feature is theability to make payment using two sources – one reward point/ loyalty card and another source like credit/debit/savings andetc for a single bill. In our new system, users can selectmultiple merchants/vendors, select one or more bills, canchoose more than one payment modes and can make paymentdirectly to the merchant(s) or even can use the split tenderpayment to pay multiple bills. To illustrate, let us say that usercan select multiple merchants like telephone bills from onevendor, electricity bill from one vendor, car insurance bill andetc and make payment partially using his credit card, partiallyusing his savings account and can use any other paymentPayment for the Bills can also be madeusing various types of credit/debit card likeusing Master and/or Visa and/or Amex andetc which normally is not allowed due tovarious technical challenges/complexity orcost involved.Fig3: Proposed Multiple Payment Feature35
International Journal of Computer Applications (0975 – 8887)Volume 59– No.16, December 2012Table 1. Comparison between Existing Multiple PaymentOption mode used and Proposed Multiple Payment Modein Online Payment GatewaysSl.NoExistingOnlinePayment Gateway usingMultiple Payment ModeOptionProposedOnlinePayment Gateway usingMultiple Payment ModeOption1Will allow multiple billsfrom single vendor to beselected and paidMore than one bill fromone or more vendors canbe selected and paid2Single Payment methodlike Credit card / Debitcard / Online bankingand/orwithrewardspoints can be used formaking payment.Proposedsolutionishaving option to selectmore than one paymentmethods like credit card,debit card, online bankingand etc to be used to makethe selected multiplepayment option.Cannot use two differentcredit card brands likeMaster, Visa , AmericanExpress and etcCan use credit card tomake payment at a timeusing multiple brands likeMaster/Visa/AmericanExpress and etc32.3 Screens depicting suggested steps ofimplementing proposed Multiple PaymentFeatureGiven below the screens which will depict the various stepsinvolved in implementing the proposed Multiple Paymentwith enhanced Split Tender Feature taking some sampleinvoices to be paid using multiple payment modes. Thesequence of the screens and comment below each screen willhelp to understand the new system very clearly. Here we havetaken bills from two different vendors Ram & Co and JackProfile. Here one bill is paid using credit card, one bill is paidusing wire transfer and one bill is paid using multiple paymentsource using split tender payment option.Refer Figure 4: The screen shows the list of Merchants(Billers available within each Merchant), their invoice numberand amount.Refer Figure 5: This screen shows the list of payment modesavailable in the application through which user can makepayment to the billers. Through this screen, user is selectingCredit card payment mode to pay bill CS101119-5.Refer Figure 6: This screen helps to make payment usingcredit card. User also has option to save the information sothat it can be re-used when he makes payment using “CreditCard” mode next time reducing many key strokesRefer Figure 7: Through this screen, user is making paymentto another vendor for the bill CS101119-6. Schedulingpayment through ATM card for this bill.Refer Figure 8: Through this screen details of ATM card areentered and payment is scheduled.Refer Figure 9: Through this screen, user is making paymentfor the bill CS101119-7 using Split Tender Payment method.Scheduling the payment through Credit card to make partialpayment.Refer Figure 10: This screen shows making payment throughCredit card.Refer Figure 11: Through this screen, user is makingpayment for the bill CS101119-7 using Split Tender Paymentmethod. Selecting Wire Transfer mode to schedule thepayment here.Refer Figure 12: User enters the details required to make thepayment through Wire Transfer mode.Refer Figure 13: This screen shows the Paymentconfirmation made with all comprehensive details aboutBiller, invoice, mode(s) of payment made and status of thepayment (shows “Pending” for scheduled payments that are tobe processed, “Paid” for payments made, “New” for newrecord created for the partial payment made with outstandingamount to be paid) and with Action column that has optionslike “Void” to stop the payment processing which isscheduled where the status will be “pending”, “selected” toselect specific scheduled bills or split tender payment to bemade using multiple modes of payment, “pay” to select aninvoice to schedule the payment.Refer Figure 14: This screen shows the Paymentconfirmation made with all comprehensive details aboutBiller, invoice, mode(s) of payment made and conveniencepaid details. User can take print of this page for his record36
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International Journal of Computer Applications (0975 – 8887)Volume 59– No.16, December 20123. CONCLUSIONThe current systems use multiple payment and allow only onemode of payment to be used to pay entire amount which maynot be feasible every time if the total amount is huge. Thesuggested method of using more than one payment mode tomake multiple bill payments at a time and also ability to usesplit tender payment option is a great advantage. Anotheradvantage of this payment gateway is to directly credit thepayment in the respective vendor account instead of the usualpractice of getting all payments in one single account and thensettling the account either weekly or monthly to all concernedvendors separately again.The future direction may be to implement this feature in retailsector. Introducing this option in most popular paymentgateways such as PayPal [8] or authorize.net [10] and etc.This will help the customers to get all their utility bills at asingle place and allow the convenient to select one or morebills and make payment using one or more mode of payment.On the other hand, this will also help the retail merchants tojust get started with their business without creating a fullecommerce site of their own. Retail merchants can registerthemselves, upload the bills, associate their payment gatewayaccount like PayPal/authorize.net, get paid and get amountcredited in their account directly. This can decrease thenumber of transactions that happens from the customer endand also at the same time can help to vendors to get startedwith the business and save good amount of cost & time.4. REFERENCES[2] How the MasterCard works – Understanding /merchant/en/how works/index.html[3] [4] Customer identification, loyalty and how the pk/patents/US20030009382?printsec abstract#v onepage&q&f false[5] Requirements and Security Assessment cuments/pcidss v2.pdf.[6] Waterfall prioritized payment processing - setting upmultiple sources from which a single bill to be paidhttp://www.google.com.my/patents?hl en&lr &vid USPAT7792717&id vbjWAAAAEBAJ&oi fnd&dq %22Multiple Payment%22 Options %2B Online Processing Payment&printsec abstract#v onepage&q&f false[7] Systems And Methods For Split Tender app/20090265249#b[8] Showing Complete Feature List of PayPal,https://www.paypal.com/cgi-bin/webscr?cmd emailpayments-feature-list-outside#payment[9] Showing Complete Feature List of erchantsolutions/onlinemerchantaccount/# features[1] ine.org/archives/volume55/number10/8792-277843
payment gateway and are in agreement with getting paid through this unified service provided by payment gateway either directly or through some merchants. 2.1 Options available in existing Multiple Payment feature The existing online systems or electronic payment systems allows the payment to be made for single bill using multiple .
Payment Gateway Account If a merchant wants to get paid, they need a payment gateway account. A payment gateway account connects to the processor & securely transfers information between the merchant's website and their merchant account. A payment gateway is what authorizes credit card payments and is the equivalent of a
PaperCut PaperCut Payment Gateway Module - CASHNet eMarket Checkout - Quick Start Guide This guide is designed to supplement the Payment Gateway Module documentation and provides a guide to installing, setting up, and testing the Payment Gateway Module for use with CASHNet's hosted credit card payment service, eMarket Checkout.
Added the payment gateway configuration parameters for CyberSource. Also added details on creating multiple credit card gateway accounts. "Configuring a Credit Card Gateway for Each Payment Method" on page 119 New topic. Describes how to configure a credit card payment gateway for each payment method (Visa, Master Card, and so on).
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Softswitch Operations [2/3] n Inter-Softswitch Communications Local Switch STP Trunking Gateway Signaling (SS7) Gateway Media Gateway Controller STP Trunking Gateway STP Media Gateway Controller Signaling (SS7) Gateway STP STP Domain A Domain B Local Switch Routing Directory 3 1 5 2 ISUP IAM 4
What's New in Payment Gateway 5.0 Payment Gateway 5.0 includes several new features: Payment Gateway 5.0 Operations Center has a new look and feel, as well as new navigation. The Operations Center has a new home page which displays the Tender Summary report. There are three new Operations Center user roles: Process Credit,
mater, easily operation, and technical support all the time (Authority, E-Payment Gateway, 2019). That's why it is crucial to identify the integration of government entities along with payment gateway, thus this paper formulate the objective so. Background . Payment Gateway is facility that authorizes bank card either credit or debit to .
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