Automation of Credit Card Processing in SAP

Martha Confessore and Narayan Narsinghani

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Real Experience. Real Advantage.
[ Introduction Speakers
Martha Confessore Wurth USA
Director IT at Wurth USA
An accomplished IT leader with more than 15 years of success
delivering technical solutions with a strong ROI. Very strong in
collaborating with global stakeholders to identify opportunities for
business improvement through technology.
In-depth hands-on experience implementing and deploying SAP R/3 and
ECC6
Narayan Narsinghani eTeam Inc.
SAP Practice Leader
17+ years SAP Strategy, Planning and Implementation experience
Specializes in SAP Credit Card and Data Protection implementations
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Real Experience. Real Advantage.
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Learning Points
Learn the fundamentals of credit card process in SAP and its
limitations.
Implementation solution overview, planning, lessons learned
and best practices.
How to protect credit cards using tokenization and get closer
to being PCI compliant.
Real Experience. Real Advantage.
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Return on Investment
DSO (Days Sales Outstanding) reduction
Payment received much faster than sending an invoice on net
terms
Fully integrated between Sales, Delivery and Billing processes
Speeds up the order and delivery process
Bad Debt reduction
Reduces the chances that payment wont be received
Immediate credit limit check through issuing bank
Reduced credit investigation costs
FI Postings are made automatically throughout the process
Increased business volumes
Attraction to new customers
Allows you to easily integrate a web site to your system
Real Experience. Real Advantage.
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Fundamentals of Credit Card processing in SAP
Real Experience. Real Advantage.
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Standard Credit Card Flow in SAP R/3
Princeton Payment Solutions ( Middleware )
FNMS ( Clearing House )
Frame Relay
Inter-corporate PVCS
Web based XML
Sales & Distribution Finance Treasury
Authorization Settlement Deposits Fees
Clear
Open G/L
items
Bank
Settlement
Settlement
Sales
Order
Sales
Order
Delivery
Delivery
Invoice
Invoice
AR Invoice
Accounting Doc 1
AR Invoice
Accounting Doc 1
Cleared CC
Receivables
Accounting Doc 2
Cleared CC
Receivables
Accounting Doc 2
Bank Deposit / Fees
Accounting Doc 3
Bank Deposit / Fees
Accounting Doc 3
Real Experience. Real Advantage.
[ Payment cards in Customer Master
Real Experience. Real Advantage.
[ Payment cards in Sales Orders
Real Experience. Real Advantage.
[ Real Time Authorization in Sales Orders
Real Experience. Real Advantage.
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Implementation solution overview
Planning, Lessons learned and Best practices
Real Experience. Real Advantage.
[ Project Scope
Creation of a streamlined, integrated, and PCI compliant
solution
Implement integrated Credit card solution to replace the existing
manual process.
Leverage the existing PPS products and FNMS communication
infrastructure at Sister company to accelerate the
implementation
Activation of tokenization using PPS CardSecure
Convert existing credit card data to tokens
Real Experience. Real Advantage.
[ High Level Solution Summary
CardConnect Implementation with Processing Details
FNMS for Visa/ MasterCard / AMEX / Discover transactions
Currencies: USD
Processing level :Level I for all transactions
Transaction Types: MOTO Only
Fraud Protection: AVS and CVV / CID
Countries: USA, Canada
Payment Origination Points
SAP ECC 6.0 and Sales Web Portal
Additional PPS Utilities - CardEnhancements
Operational Reports (Authorization & Settlement)
CardClear
PrePay
Auth Reversal
CardSecure Encryption
CardSecure integration to SAP
Real Experience. Real Advantage.
[ Implementation approach
Project Prep /
Business Blueprint
Kickoff Meeting
Project plan and
Resource Definition
Project team logistics
Requirements Gathering
SAP Business
SAP Technical (OSS)
SAP Landscape
Technical / Network
Processor
Infrastructure
Confirm project
milestone dates and
tasks
Realization
SAP Configuration
Installation of PPS
software (SAP)
Apply OSS notes (if req.)
Design and build Wurth
specific customizations
(RICEF)
CardSecure Config.
CardConnect Config.
Cardclear Config.
Unit testing
OSS Notes
CardSecure
CardConnect
CardClear
Data Conversions
Reports
Security Roles
Testing
Final Preparation
Clearing house
connectivity testing
Integration testing
Workflow / scenario
testing
Documentation
Clearing house
Certification test
Training
PPS Products
Super User
End User
Prepare Production
environments
Cutover Process
Go Live and Support
Fulfill pre-go-live
checklist items
Migrate SAP Changes
Data Conversions
PPS Product
configuration
Setup Batch Jobs
Go-Live
Fulfill post-go-live
checklist
Implementation team
support and Production
Stabilization
Post Go-Live Review
Handover to Support
team
Wrap-up
Real Experience. Real Advantage.
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Best Practices
Accelerate credit card implementation
Use ASAP methodology for efficient and rapid implementation
Use SAP certified middleware products to connect to
Processors
Use Tokenization to limit your scope of PCI compliance
Real Experience. Real Advantage.
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Key Learnings
Ensure timely delivery of merchant / bank information
Complete SAP Business Requirements as soon as you can. Prototypes are a
great help gathering business requirements.
Avoid non-conformance to standard SAP processes / Extensive custom
development
Identify Infrastructure issues / incompatibilities early
Network communication issues (i.e. proxy, firewall)
Processor Certification has needs a lot of planning
Robust communication plan with external parties (Sister company, Bank,
FNMS, Inter-corporate communication lines) is essential
Be mindful of parallel or concurrent projects competing for shared
resources
Test, Test and Test some more
Real Experience. Real Advantage.
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How to protect credit cards using tokenization?
Get closer to being PCI compliant
Real Experience. Real Advantage.
[ Winning the PCI Compliance battle
PCI DSS
Build and Maintain a Secure Network
1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters
Protect Cardholder data
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks
Maintain a Vulnerability Management Program
5. Use and regularly update anti-virus software
6. Develop and maintain secure systems and applications
Implement Strong Access Control Measures
7. Restrict access to cardholder data by business need-to-know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data
Regularly Monitor and Test Networks
10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes
Maintain an Information Security Policy
12. Maintain a policy that addresses information security
Real Experience. Real Advantage.
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Wurth USA Louis and Company
High Level System Landscape
CardConnect
SAP ECC 6.0
Credit
Card
Credit
Card
Processors / Merchant
Bank
FNMS
Bank of America
Deposit
Notification
Deposits
Fees
Authorization
Settlement
Router
CardSecure
SAP ECC 6.0
Batch
WurthShop
Tokenize
Ajax Connector
Real Experience. Real Advantage.
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Thank you for participating.
SESSION CODE:
2492
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Narayan Narsinghani
nnarsinghani@eteaminc.com
Martha Confessore
martha.confessore@wurthusa.com