This document summarizes key concepts related to eCommerce payment processing infrastructure. It outlines the components involved including cardholders, merchants, issuing banks, acquiring banks, processors, and payment associations. It describes the authorization, capture, and settlement phases of a transaction. It also discusses fraud prevention techniques like address verification and CVV numbers. The infrastructure uses components like IBM WebSphere Payment Manager, web and application servers, databases, and Java programming to facilitate transactions between merchants and cardholders over the internet.

1. eCommerce Infrastructure ( Credit Card Payment Processing Concepts)

3. Payment Processing: Components AUTHORIZE... Cardholder Issuing Bank Cardholder / Customer Processor Credit Card Associations Settlement Acquiring Bank Payment Gateway Merchant Bank Merchant

5. Putting it all together: Authorization Cardholder / Customer Payment Gateway Processor Cardholder Issuing Bank Processor Payment Gateway Merchant Merchant

6. Putting it all together: Settlement Cardholder / Customer Payment Gateway Cardholder Issuing Bank Processor Acquiring Bank Merchant Bank Merchant

8. Infrastructure: Components Internet (https) App Server Payment Mgr Web Server Database Wintel Servers Java/J2EE Payment Gateway eCommerce Web App