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VeriSign Corporate Presentation

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AgendaAgenda

Corporate OverviewCorporate Overview

Payflow Pro GatewayPayflow Pro Gateway

Fraud Protection ServiceFraud Protection Service

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everywhereeveryone

MissionMission

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

confidence.confidence.

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VeriSign’s TrustVeriSign’s TrustInfrastructure for the InternetInfrastructure for the Internet

3,000 employees, 40-plus affiliates covering 80 countries3,000 employees, 40-plus affiliates covering 80 countries

Trusted keeper of the Domain Name Registry Trusted keeper of the Domain Name Registry

Leading provider of services to Internet businessesLeading provider of services to Internet businesses– 90,000+ businesses payment-enabled90,000+ businesses payment-enabled– 6.2 million customers6.2 million customers– 575,000 website certificates issued575,000 website certificates issued– 4,465 Enterprise customers4,465 Enterprise customers

$4 Billion payment transactions processed each quarter$4 Billion payment transactions processed each quarter

Over 6 Billion network connections per dayOver 6 Billion network connections per day

Infrastructure capacity of 1 trillion transactions per dayInfrastructure capacity of 1 trillion transactions per day

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Massively Deployed Service InfrastructureMassively Deployed Service Infrastructure

$250+ million investment in$250+ million investment insecurity infrastructuresecurity infrastructure

Bi-Coastal RedundancyBi-Coastal Redundancy

Maximum security facilitiesMaximum security facilities

High availability data centersHigh availability data centers

Proven scalability to millionsProven scalability to millions

24 x 7 customer support center24 x 7 customer support center

Tier 6 Dept. of Defense Certified Tier 6 Dept. of Defense Certified FacilityFacility

SAS-70 AuditedSAS-70 Audited

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Players in Internet PaymentPlayers in Internet Payment

Credit CardProcessors

Internet - SSL$Pay$

Internet - SSL

Buyer

BuyerIssuingBank

Issues credit card to buyer

Merchant

MerchantAcquiring

Bank

Allows merchant to accept credit card payments

VisaMasterCard

AmexACH

- Routes authorization requestto appropriate card network (Visa, etc.) for approval- Issues instructions to move $from buyer issuing bank to merchant acquiring bank

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Full ConnectivityFull Connectivity

ProcessorsProcessorsMerchantsMerchants

E-commerce Applications

• Digital Stores• Merchant Servers• Custom Web Applications• Shopping Carts• Bill Presentment• Trade Exchanges• Desktop Applications•B2B Exchanges

E-commerce Applications

• Digital Stores• Merchant Servers• Custom Web Applications• Shopping Carts• Bill Presentment• Trade Exchanges• Desktop Applications•B2B Exchanges

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Payflow Enterprise ServicesPayflow Enterprise Services

PayflowPayflow– Integrated with Enterprise Level Platforms (BEA, Oracle, IBM, Integrated with Enterprise Level Platforms (BEA, Oracle, IBM,

Intershop)Intershop)– Extensive integration library (Perl, Linux, Unix, Java, Windows)Extensive integration library (Perl, Linux, Unix, Java, Windows)– Dedicated technical support representativeDedicated technical support representative– Designated toll-free phone w/priority access codeDesignated toll-free phone w/priority access code– Certification with all major processing networks (FDMS, Nova, Certification with all major processing networks (FDMS, Nova,

Vital, Global Payments, Paymentech, Norwest, EDS)Vital, Global Payments, Paymentech, Norwest, EDS)– Ability to process multiple transaction formats (Credit Card, Level Ability to process multiple transaction formats (Credit Card, Level

II & III Purchase Cards, ACH, Internet Check)II & III Purchase Cards, ACH, Internet Check)– Uses TCP/IP protocolUses TCP/IP protocol– Customizable SDKCustomizable SDK– XML transport interfaceXML transport interface

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Reporting OptionsReporting Options

Custom queries through our Manager siteCustom queries through our Manager site

https://manager.verisign.com/https://manager.verisign.com/ HTML format or tab deliminated ASCII TextHTML format or tab deliminated ASCII Text

Data kept on live server for 90 daysData kept on live server for 90 days

after 90 days, email after 90 days, email vps-support@verisign.com vps-support@verisign.com with request with request for datafor data– Premier Service – call dedicated support manager for reportPremier Service – call dedicated support manager for report

Data fields that can be reported and/or searched:Data fields that can be reported and/or searched:Processor Response CodeProcessor Authorization CodeProcessor Error CodeComment 1Comment 2Batch IDAVS StreetAVS Street Match Response AVS ZipAVS Zip Match Response

VeriSign Transaction IDTransaction Date and TimeClient IP AddressTransaction Type Card TypeCard NumberCard Expiration DateAmountVeriSign Transaction Result Invoice Number

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Batch ReportBatch Report

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Settlement ReportSettlement Report

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The VPS AdvantageThe VPS Advantage

AdvantagesAdvantages::

Reliability – Best up time in the businessReliability – Best up time in the business

Multiple redundancy – Connectivity to all the major processor’s.Multiple redundancy – Connectivity to all the major processor’s.

Virtually no maintenance cost – All maintenance fees are charged across Virtually no maintenance cost – All maintenance fees are charged across entire client base.entire client base.

Open payment type flexibility – Credit Card, E-Check, ACH, and P-Open payment type flexibility – Credit Card, E-Check, ACH, and P-cards.cards.

Ease of integration – Simply download the software client into your Ease of integration – Simply download the software client into your current operating system. current operating system.

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Fraud Protection ServicesFraud 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

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VeriSign Fraud ProtectionVeriSign 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.

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VeriSign Fraud Protection ServicesVeriSign 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.

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VeriSign Fraud Protection ServicesVeriSign 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.

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PackagePackage Account Security FeaturesAccount Security Features Transaction Security FeaturesTransaction Security Features Premium ServicesPremium Services

Basic FraudBasic Fraud Allowed IP AddressesAllowed IP Addresses

Transaction SettingsTransaction Settings

Password ManagementPassword Management

Account WizardAccount Wizard

Buyer Authentication SupportBuyer Authentication Support

FiltersFilters Total Purchase Price CeilingTotal Purchase Price Ceiling

Total Item CeilingTotal Item Ceiling

Shipping/Billing MismatchShipping/Billing Mismatch

AVS FailureAVS Failure

CSC FailureCSC Failure

Buyer Auth FailureBuyer Auth Failure

Zip Risk List MatchZip Risk List Match

Freight Forwarder MatchFreight Forwarder Match

Transaction Review PageTransaction Review Page

Transaction WizardTransaction Wizard

NoneNone

Basic Fraud w/AMS- Basic Fraud w/AMS- (Account Monitoring (Account Monitoring Service)Service)

Includes Basic Fraud Includes Basic Fraud services above, plus Account services above, plus Account Monitoring ServiceMonitoring Service

Includes Basic Fraud services Includes Basic Fraud services above, plus Account Monitoring above, plus Account Monitoring ServiceService

AMS- Account Monitoring AMS- Account Monitoring ServiceService

Advanced FraudAdvanced Fraud Same as aboveSame as above All Basic Features Plus the following All Basic Features Plus the following additional Filters:additional Filters:Address Validation Failure Address Validation Failure

BIN Risk List MatchBIN Risk List Match

Email Service Provider Risk List MatchEmail Service Provider Risk List Match

IP Address Risk List MatchIP Address Risk List Match

Geo-location FailureGeo-location Failure

Bad ListsBad Lists

Non-U.S. AddressNon-U.S. Address

Intl IP AddressIntl IP Address

Intl AVSIntl AVS

High Risk Country List MatchHigh Risk Country List Match

Good ListsGood Lists

Total Purchase Price FloorTotal Purchase Price Floor

NoneNone

Advanced Fraud w/AMSAdvanced Fraud w/AMS Includes Advanced Fraud Includes Advanced Fraud services above, plus Account services above, plus Account Monitoring ServiceMonitoring Service

Includes Advanced Fraud services Includes Advanced Fraud services above, plus Account Monitoring above, plus Account Monitoring ServiceService

AMS- Account Monitoring AMS- Account Monitoring ServiceService

Fraud Protection Service PackagesFraud Protection Service Packages

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Fraud Protection Services Filters - BasicFraud 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 aren’t 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, let’s 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. It’s 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 purchaser’s issuer.

CSC Failure – means that card holder or purchaser can’t 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 don’t 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.

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Fraud Protection Services Filters - advancedFraud Protection Services Filters - advancedUSPS 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.

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Fraud Protection Services Filter - summaryFraud Protection Services Filter - summaryFraud 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

 

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Fraud Protection Services –Screen Shot ManagerFraud Protection Services –Screen Shot Manager

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Fraud Protection Services –Screen Shot WizardFraud Protection Services –Screen Shot Wizard

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Fraud Protection Services –Screen Shot FiltersFraud Protection Services –Screen Shot Filters

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Why VeriSign?Why VeriSign?

The most comprehensive and integrated set of services for enabling The most comprehensive and integrated set of services for enabling trusted transactionstrusted transactions

Proven operational excellence and unmatched scalabilityProven operational excellence and unmatched scalability

Technical flexibility through open API's, Java, C++, and XMLTechnical flexibility through open API's, Java, C++, and XML

Certified with all the major processorsCertified with all the major processors

Best up-time in the business (99.98%)Best up-time in the business (99.98%)

Currently processing transactions for over 90,000 merchantsCurrently processing transactions for over 90,000 merchants

State of the art fraud protection serviceState of the art fraud protection service

Financial StabilityFinancial Stability

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everywhereeveryone

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

confidence.confidence.

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Q&AQ&A

QuestionsQuestions??