VeriSign Corporate Presentation

1

VeriSign Corporate Presentation
2
Agenda

• Corporate Overview
• Payflow Pro Gateway
• Fraud Protection Service

3
Mission

• To enable everyone, everywhere to engage in
  digital commerce and communications with
  confidence.

everyone
everywhere

4
VeriSigns TrustInfrastructure for the Internet

• 3,000 employees, 40-plus affiliates covering 80
  countries
• Trusted keeper of the Domain Name Registry
• Leading provider of services to Internet
  businesses
• 90,000 businesses payment-enabled
• 6.2 million customers
• 575,000 website certificates issued
• 4,465 Enterprise customers
• 4 Billion payment transactions processed each
  quarter
• Over 6 Billion network connections per day
• Infrastructure capacity of 1 trillion
  transactions per day

5
Massively Deployed Service Infrastructure

• 250 million investment insecurity
  infrastructure
• Bi-Coastal Redundancy
• Maximum security facilities
• High availability data centers
• Proven scalability to millions
• 24 x 7 customer support center
• Tier 6 Dept. of Defense Certified Facility
• SAS-70 Audited

6
Players in Internet Payment
Visa MasterCard Amex ACH
Financial Networks
Credit Card Processors
- Routes authorization requestto appropriate
card network (Visa, etc.) for approval - Issues
instructions to move from buyer issuing bank to
merchant acquiring bank
7
Full Connectivity
8
Payflow Enterprise Services

• Payflow
• Integrated with Enterprise Level Platforms (BEA,
  Oracle, IBM, Intershop)
• Extensive integration library (Perl, Linux, Unix,
  Java, Windows)
• Dedicated technical support representative
• Designated toll-free phone w/priority access code
• Certification with all major processing networks
  (FDMS, Nova, Vital, Global Payments, Paymentech,
  Norwest, EDS)
• Ability to process multiple transaction formats
  (Credit Card, Level II III Purchase Cards, ACH,
  Internet Check)
• Uses TCP/IP protocol
• Customizable SDK
• XML transport interface

9
Reporting Options

• Custom queries through our Manager site
• https//manager.verisign.com/
• HTML format or tab deliminated ASCII Text
• Data kept on live server for 90 days
• after 90 days, email vps-support_at_verisign.com
  with request for data
• Premier Service call dedicated support manager
  for report
• Data fields that can be reported and/or searched

10
Batch Report
11
Settlement Report
12
The VPS Advantage

• Advantages
• Reliability Best up time in the business
• Multiple redundancy Connectivity to all the
  major processors.
• Virtually no maintenance cost All maintenance
  fees are charged across entire client base.
• Open payment type flexibility Credit Card,
  E-Check, ACH, and P-cards.
• Ease of integration Simply download the
  software client into your current operating
  system.

13
Fraud Protection Services

• VeriSign Fraud Protection services provide you
  with professional grade transaction filters and
  tools that instantly and automatically review
  customer transactions for you and allow you to
  easily and conveniently manage all of your fraud
  features from one interface, saving you time and
  money.
• Basic Fraud Protection
• Advanced Fraud Protection
• Account Monitoring Service
• Buyer Authentication

14
VeriSign Fraud Protection

• Basic Fraud Protection
• The Basic Fraud Protection package provides you
  with essential fraud protection services in a
  simple wizard-based upgrade package that
  integrates seamlessly with your VeriSign Manager
  account. Basic Fraud Protection offers you a
  fast and convenient way to protect your on-line
  business-no programming or fraud experience
  required. This package helps protect against
  credit card fraud and hacking attempts, the two
  most common types of fraud.
• Buyer Authentication
• Each of the VeriSign Fraud Protection Services
  packages will allow you to seamlessly upgrade to
  a Buyer Authentication integration module as
  Buyer Authentication becomes commercially
  available. This module will allow you to process
  transactions using the new Buyer Authentication
  systems that MasterCard and Visa will be
  deploying.

15
VeriSign Fraud Protection Services

• Advanced Fraud Protection
• Advanced Fraud Protection provides you with
  robust and customizable fraud protection
  services, including the VeriSign Advanced Fraud
  Filters, based on our database of millions of
  e-commerce transactions. This package provides
  seamless integration of all fraud features with
  your VeriSign Manager Account. It allows you to
  set up real time email alerts of potentially
  fraudulent transactions. It also features the
  Advanced Secure Access Management Tool, which
  allows you to specify and control user access and
  user roles.
• Buyer Authentication
• Each of the VeriSign Fraud Protection Services
  packages will allow you to seamlessly upgrade to
  a Buyer Authentication integration module as
  Buyer Authentication becomes commercially
  available. This module will allow you to process
  transactions using the new Buyer Authentication
  systems that MasterCard and Visa will be
  deploying.

16
VeriSign Fraud Protection Services

• Account Monitoring Service (AMS) offers premium
  protection against payment account takeover and
  hacking. With AMS trained VeriSign security
  professionals will monitor your transactions to
  help identify fraudulent account activity prior
  to settlement. The security seal you can display
  on your Web site, provides added fraud deterrence
  by notifying potential fraudsters/hackers of
  VeriSign monitoring activity.

17
Fraud Protection Service Packages
Package Account Security Features Transaction Security Features Premium Services
Basic Fraud Allowed IP Addresses Transaction Settings Password Management Account Wizard Buyer Authentication Support Filters Total Purchase Price Ceiling Total Item Ceiling Shipping/Billing Mismatch AVS Failure CSC Failure Buyer Auth Failure Zip Risk List Match Freight Forwarder Match Transaction Review Page Transaction Wizard None
Basic Fraud w/AMS- (Account Monitoring Service) Includes Basic Fraud services above, plus Account Monitoring Service Includes Basic Fraud services above, plus Account Monitoring Service AMS- Account Monitoring Service
Advanced Fraud Same as above All Basic Features Plus the following additional Filters Address Validation Failure BIN Risk List Match Email Service Provider Risk List Match IP Address Risk List Match Geo-location Failure Bad Lists Non-U.S. Address Intl IP Address Intl AVS High Risk Country List Match Good Lists Total Purchase Price Floor None
Advanced Fraud w/AMS Includes Advanced Fraud services above, plus Account Monitoring Service Includes Advanced Fraud services above, plus Account Monitoring Service AMS- Account Monitoring Service
18
Fraud Protection Services Filters - Basic

• Total Purchase Price Ceiling if your average
  order are 100 dollars and your largest order is
  200 you may want to review any order that comes
  in over 150 because you rarely see orders that
  large. Since fraudsters arent price sensitive
  it is worth your time to quickly review the
  higher dollar transactions.
• Total Item Ceiling if your orders are typically
  1 or 2 items, then at some unit number you would
  probably be suspicious, lets say 7 or more.
  Again, you can set your wizard to say review or
  reject an order over 7 items.
• Shipping and Billing Mismatch this filter would
  alert you if someone was shipping to somewhere
  other than their billing address. Its common
  for presents being purchased for someone else,
  however, it is also common with a thief who needs
  the billing address to match for the
  authorization to be approved, but they are
  shipping to a different location.
• AVS Failure means the specific street number
  (123) does not exist in the zip code (95120)
  they are specifying, according to the purchasers
  issuer.
• CSC Failure means that card holder or purchaser
  cant tell you what the CSV or CVV2 code (that 3
  or 4-digit code on the back of the card) is which
  may mean they dont have the card in their
  possession.
• Zip Risk List Match - means the zip code of the
  shipping or billing address is located in a zip
  code that has a higher incident of fraud in
  e-commerce transactions.
• Freight Forwarder Risk List Match means that
  the shipping address is to a freight forwarding
  service which has a higher risk of fraud
  associated with it.

19
Fraud Protection Services Filters - advanced

• USPS Address Validation Failure means according
  to the USPS database of addresses, the shipping
  or billing address did not have a valid that
  exists in the USPS database.
• BIN Risk List Match means the first 6 digits of
  the credit card that person is using has been
  identified as a high-risk card according to our
  database meaning the company that issues that
  cards is known for having a higher activity of
  fraud among their cards issued.
• Email Service Provider Risk List Match means
  the email service provider has shown a higher
  susceptibility to fraud their customers use
  their email service as their communication tool.
• IP Address Risk List Failure means the IP
  address has been determined to be a high-risk
  address.
• Geo-location failure means the location of the
  IP where the order is being submitted versus the
  address the purchaser is stating as their
  ordering address are considerably far apart.
• Bad list - this feature allows you to create your
  own Bad list of previous credit card
  information or email addresses that you know to
  be bad customers. For example, you have a
  customer who consistently issues charge backs,
  you can blacklist by adding them to your bad
  list.
• Non US Address - indicates whether the address
  located within the United States.
• International IP Address - will tell you from
  which country the order is being placed.
• International AVS
• High Risk Country Risk List Match means the
  shipping, billing, or IP address matched with a
  country considered high-risk.
• Good Lists allow you to set credit card numbers
  and/or email addresses of your best customers.
  Customers you have a good relationship with that
  you trust are making legitimate order no matter
  how large or how small the order may be. This
  also prevents you from having to review an order.
• Total Purchase Price Floor this allows you to
  set a price, for example, 10 where you will
  always let an order below a certain dollar amount
  to be automatically approved.

20
Fraud Protection Services Filter - summary

• Fraud Protection Service Summary List Filters
• AVS Failure
• CSC Failure
• Total purchase pricing ceiling
• Total item ceiling
• Shipping/billing mismatch
• Buyer Auth Failure
• Zip Risk List Match
• Freight Forwarder Match
• Transaction Review Page
• BIN Risk List Match
• E-mail service provider risk list match
• IP Address Risk List Match
• Geo Location Failure
• Bad Lists
• Non-U.S. address
• International AVS
• International IP Address
• High risk Country List Match Good Lists

21
Fraud Protection Services Screen Shot Manager
22
Fraud Protection Services Screen Shot Wizard
23
Fraud Protection Services Screen Shot Filters
24
Why VeriSign?

• The most comprehensive and integrated set of
  services for enabling trusted transactions
• Proven operational excellence and unmatched
  scalability
• Technical flexibility through open API's, Java,
  C, and XML
• Certified with all the major processors
• Best up-time in the business (99.98)
• Currently processing transactions for over 90,000
  merchants
• State of the art fraud protection service
• Financial Stability

25

• To enable everyone, everywhere to engage in
  digital commerce and communications with
  confidence.

everyone
everywhere

26
QA

• Questions?