Credit Card Processing Gail “Montreal” Shoffey Keeler August 14, 2007

About Me Contractor with TEKsystems Current project: Reliant Energy Working with ColdFusion over 4 years

Credit Card Processing What are the first items that come to mind when you think of credit card processing? Security Connectivity Components

What You Will Leave With 3 key points you will leave with after the meeting An understanding of Payment Card Industry Data Security Standard (PCI DSS) An example of a credit card merchant’s Application Programming Interface (API) An example of credit card components How these skills will help in the future Process credit cards in real time Store credit card information within PCI compliance Create your own final step in a shopping cart

Focus  What is PCI compliance?

PCI Compliance Secure your business Intellectual and Web property Credit card data/account information protected Transaction information locked Store data in inaccessible areas From locks to scanning devices

Payment Card Industry (PCI) PCI History 5 major credit card brands: Visa MasterCard American Express DiscoverCard JCB International PCI Security Council founded in June 2005 Competitor brand-specific requirements intersecting Single standard for protecting credit card data Based on ISO  information security standard There are 12 main requirements

PCI Controls 1 of 2 Build and Maintain a Secure Network Install and maintain a firewall configuration to protect cardholder data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored cardholder data Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program Use and regularly update anti-virus software Develop and maintain secure systems and applications

PCI Controls 2 of 2 Implement Strong Access Control Measures Restrict access to cardholder data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Regularly Monitor and Test Networks Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain an Information Security Policy Maintain a policy that addresses information security

Focus  What is PCI compliance?  Why use APIs?

Application Programming Interface The Application Programming Interface (API) consists of several sets of related methods or functions that specifies how two different computers can communicate Platform independent Facilitates subsequent developers who may need to tap into new services Using the API offers greater advantages into your organization’s business needs

API Advantages Easy Order Management —use the online Business Center to review and manage all of your orders from any computer with Internet access Fulfillment —share order data with a fulfillment house or internal dept Data Access —store order or customer data before sending it to CyberSource Security Control —you or your hosting provider control security with an SSL secure server Stability —have your server communicate directly to ours for greater stability than with a Web browser Control and Customization —create your own customized order page and receipt to give you more control over your customer's buying experience Scalability —an API implementation is best if your business volume warrants a high level of order processing automation Flexibility —with an API, you can take advantage of any CyberSource service available with the package you purchase (Tax and line item detail, for example)

CyberSource API Choices LinuxSolarisWindows ASP/COM X CX X JavaXXX.NET X PHPX X PerlX X

General API Documentation

Java API Documentation

Focus  What is PCI compliance?  Why use APIs?  Where’s the code?

Load the configuration Create properties object Create credit card object Process the results Combine into a transaction object The Process

Load the Configuration your merchant ID C:\CFUGMD\secure\certificate false 1.26 CFUGMDkey.p12 urn:schemas-cybersource-com:transaction- data-1.26 true C:\CFUGMD\secure\log cybs.log false

Parse the Properties // init CyberSource params csMerchantID = this.getSettingsParam("merchantID"); csKeysDirectory = this.getSettingsParam("keysDirectory"); csSendToProduction = this.getSettingsParam("sendToProduction"); csTargetAPIVersion = this.getSettingsParam("targetAPIVersion"); csKeyFilename = this.getSettingsParam("keyFilename"); csServerURL = this.getSettingsParam("serverURL"); csNamespaceURI = this.getSettingsParam("namespaceURI"); csEnableLog = this.getSettingsParam("enableLog"); csLogDirectory = this.getSettingsParam("logDirectory"); csLogFilename = this.getSettingsParam("logFilename"); csLogMaximumSize = this.getSettingsParam("logMaximumSize"); csTimeout = this.getSettingsParam("timeout"); csUseHttpClient = this.getSettingsParam("useHttpClient");

Add Merchant-Specific Values // CyberSource-specific values for credit cards csCreditCardType = arguments.creditCard.getCcType(); switch(csCreditCardType){ case "VISA": csCreditCardValue = '001'; break; case "MASTERCARD": csCreditCardValue = '002'; break; case "AMEX": csCreditCardValue = '003'; break; case "DISCOVER": csCreditCardValue = '004'; break; case "JCB": csCreditCardValue = '007'; break; default: csCreditCardValue = ''; }

Create Properties Object // create csProps - Properties object and init object constructor csProps = createObject("Java","java.util.Properties"); csProps.put("merchantID",csMerchantID); csProps.put("keysDirectory",csKeysDirectory); csProps.put("sendToProduction",csSendToProduction); csProps.put("targetAPIVersion",csTargetAPIVersion); csProps.put("keyFilename",csKeyFilename); csProps.put("namespaceURI",csNamespaceURI); csProps.put("enableLog",csEnableLog); csProps.put("logDirectory",csLogDirectory); csProps.put("logFilename",csLogFilename); csProps.put("logMaximumSize",csLogMaximumSize); csProps.put("timeout",csTimeout); csProps.put("useHttpClient",csUseHttpClient);

Create Credit Card Object // create csRequest - HashMap object csRequest = createObject("Java","java.util.HashMap"); csRequest.put("billTo_city",arguments.creditCard.getCcCity()); csRequest.put("billTo_country",arguments.creditCard.getCcCountry()); csRequest.put("billTo_customerID",1); // optional good for level 2 csRequest.put("billTo_ ",arguments.creditCard.getCc ()); csRequest.put("billTo_firstName",arguments.creditCard.getCcFirstName()); csRequest.put("billTo_lastName",arguments.creditCard.getCcLastName()); csRequest.put("billTo_postalCode",arguments.creditCard.getCcZip()); csRequest.put("billTo_state",arguments.creditCard.getCcStateProvince()); csRequest.put("billTo_street1",arguments.creditCard.getCcAddress1()); csRequest.put("billTo_street2",arguments.creditCard.getCcAddress2()); csRequest.put("card_accountNumber",arguments.creditCard.getCcNumber()); csRequest.put("card_cardType",csCreditCardValue); csRequest.put("card_cvIndicator","1"); // 0, 1, 2, 9 csRequest.put("card_cvNumber",arguments.creditCard.getCvvCode()); csRequest.put("card_expirationMonth",arguments.creditCard.getCcExpMonth()); csRequest.put("card_expirationYear",arguments.creditCard.getCcExpYear()); csRequest.put("ccAuthService_commerceIndicator","internet"); // internet (default): eCommerce transaction. csRequest.put("ccAuthService_run","true"); csRequest.put("ccCaptureService_run","true"); csRequest.put("comments","Payment made via EFT Module"); csRequest.put("item_0_unitPrice",csAmount); // loop to check the items purchased note: this is the total csRequest.put("merchantID",csMerchantID); csRequest.put("merchantReferenceCode",cookieFacade.getValue("jsessionid")); csRequest.put("purchaseTotals_currency","USD");

Combine Objects in Transaction // CREDIT CARD AUTHORIZATION AND CAPTURE REQUEST csReply = createObject("Java","java.util.HashMap"); csReply = createObject("Java","com.cybersource.ws.client.Client"). runTransaction(csRequest,csProps);

Code response </cfif

Credit Card Components type

Your Questions & Comments

Key Learning Objectives Security, compliance and the law APIs are the best connectivity Use components

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