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IntroductionThis slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
2© 2016 Frank Steeneken - All Rights Reserved
Purpose
The purpose of the model is to clearly portray how work performed in the payment service business is structured, apart from the way it is managed and controlled. To provide this clarity, feedback loops and control systems are not shown on the diagrams.
The model’s subsystem/core process matrix can be applied to help realign a company’s organization structure and business processes, with its inherent functional structure.
The method used to develop this model is called “Integrated Modeling Method.” www.ackley.com.
3© 2016 Frank Steeneken - All Rights Reserved
4
Merchants
Payment Service Business(system)
Consumers
Consumers
Issuers
Payments Value Chain
© 2016 Frank Steeneken - All Rights Reserved
What is Payment Service Business?
A payment service business enterprise offers merchants online services for accepting electronic payments by a variety of payment methods including credit card, bank-based payments such as direct debit, bank transfer, and real-time bank transfer based on online banking. Typically, they use a software as a service model and form a single payment gateway for their clients (merchants) to multiple payment methods.
A payment service business enterprise can connect to multiple acquirer or issuing banks, card, and payment networks. In many cases, the service provider will fully manage these technical connections, relationships with the external network, and bank accounts. This makes the merchant less dependent on financial institutions and free from the task of establishing these connections directly, especially when operating internationally. Furthermore, by negotiating bulk deals they can often offer cheaper fees.
Furthermore, a full-service payment service business enterprise can offer risk management services for card and bank based payments, transaction payment matching, reporting and fraud protection in addition to multi-currency functionality and services (Wikipedia).
5
Other Entities in the Payments Value Chain
A Consumer uses an electronic payment method (e.g. credit or debit card) to pay for services obtained from a merchant.
A Merchant is any business that maintains a merchant account that enables them to accept electronic payments by a variety of payment methods as payment from consumers for goods or services provided.
An Issuer bank or financial institution pays acquiring banks for purchases that their clients make. An issuer bank may issue cards to their clients (consumers). For a credit card it is then the cardholder's responsibility to repay their issuing bank under the terms of their credit card agreement. The issuing bank is also a member of the card associations (e.g. Visa and MasterCard). Card associations aren't banks and they don't issue cards or merchant accounts. Instead, they act as a custodian and clearing house for their respective card brand. For a debit card unlike a credit card, the money comes directly from the user's bank account when performing a transaction (Wikipedia).
6
Subsystem
7
Merchants
Issuers
Payment Gateway Provider
Payment Collector
Payment Acquirer
How is the Payment Service Model Structured?
© 2016 Frank Steeneken - All Rights Reserved
Subsystems
A Payment Gateway (aka: Technical Service Provider) is a merchant service provided by an e-commerce application service provider that authorizes cards or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. The payment gateway may be provided by a bank to its customers, but can be provided by a specialized financial service provider as a separate service, such as a payment collector. A payment gateway facilitates a payment transaction by the transfer of information between a payment portal such as a website, mobile phone or interactive voice response service and the payment collector or acquiring bank (Wikipedia).
8
Subsystems (continued)
A Payment Acquirer (aka: Payment Method Supplier) is a bank or financial institution that processes credit or debit card payments on behalf of a merchant. The acquirer allows merchants to accept credit card payments from the card-issuing banks within an association. The acquiring bank enters into a contract with a merchant and offers it a merchant account. This arrangement provides the merchant with a line of credit. Under the agreement, the acquiring bank exchanges funds with issuing banks on behalf of the merchant, and pays the merchant for its daily payment-card activity's net balance—that is, gross sales minus reversals, interchange fees, and acquirer fees. Acquirer fees are an additional markup added to association interchange fees by the acquiring bank, varying at the acquirer's discretion. Acquiring banks often enlist the help of third-party membership service providers (MSP) to conduct and monitor the day-to-day activities of their merchant accounts (Wikipedia).
9
Subsystems (continued)
A Payment Collector (aka: Membership Service Provider, Merchant Acquirer). A payment collector is not a bank, the actual handling of the merchants’ money is done by the processing bank that has contracted with the payment collector Typically, a payment collector can connect to multiple acquiring banks, card, and payment networks. In many cases, the payment collector will fully manage these technical connections, relationships with the external network, and bank accounts. This makes the merchant less dependent on financial institutions and free from the task of establishing these connections directly, especially when operating internationally. Furthermore, by negotiating bulk deals they can often offer cheaper fees. Furthermore, a full-service payment collector can offer risk management services for card and bank based payments, transaction payment matching, reporting, and fraud protection in addition to multi-currency functionality and services. Some payment collectors provide services to process other next generation methods (payment systems) including cash payments, wallets, prepaid cards or vouchers, and even paper or e-check processing (Wikipedia).
10
What is a Core Process?
A core process adds value by connecting Merchants with Issuers.A core process is a major business process that produces an enterprise response to a market-related event and corresponds to a state in the payment service business enterprise’s product portfolio, package and transaction lifecycles.
11
Payment Product Portfolio Life Cycle: lifecycle of the product portfolio composed of payment product processing services (e.g. credit cards) and added value services (e.g. managed fraud services) supported by the payment service business enterprise.
Payment Product Package Life Cycle: lifecycle of a merchant and the contractual obligated product package, a subset of the product portfolio, which has to be processed and delivered to a merchant.
Payment Product Transaction Life Cycle: life cycle of a payment product transaction supplied by merchant that has to be processed and delivered.
PaymentProduct Portfolio
Life Cycle
PaymentProduct Package
Life Cycle
PaymentProduct Transaction
Life Cycle
© 2016 Frank Steeneken - All Rights Reserved
12
Payment Gateway Provider
Payment Collector
Payment Acquirer
Merchants
Issuers
Paym
ent P
rodu
ctPo
rtfo
lio D
efin
ing
Paym
ent P
rodu
ctPo
rtfo
lio D
esig
ning
Paym
ent P
rodu
ct
Pack
age
Cons
truc
ting
Paym
ent P
rodu
ctTr
ansa
ctio
n Au
thor
izin
g
Paym
ent P
rodu
ctPa
ckag
e D
ecom
mis
sion
ing
Paym
ent P
rodu
ctTr
ansa
ctio
n Cl
earin
g
Paym
ent P
rodu
ctPo
rtfo
lio D
ecom
mis
sion
ing
Paym
ent P
rodu
ctTr
ansa
ctio
n Su
ppor
ting*
Paym
ent P
rodu
ctTr
ansa
ctio
n Bi
lling
Paym
ent P
rodu
ctTr
ansa
ctio
n Fu
ndin
g
Core Processes Payment Service Business
Core
Pro
cess
Time
* e.g. disputes
© 2016 Frank Steeneken - All Rights Reserved
Payment Collector
Payment Gateway Provider
Payment Acquirer
Merchants
Issuers
13
Workflow Directions
Workflow directions as responses to market related events
© 2016 Frank Steeneken - All Rights Reserved
TimePa
ymen
t Pro
duct
Port
folio
Def
inin
g
Paym
ent P
rodu
ctPo
rtfo
lio D
esig
ning
Paym
ent P
rodu
ct
Pack
age
Cons
truc
ting
Paym
ent P
rodu
ctTr
ansa
ctio
n Au
thor
izin
g
Paym
ent P
rodu
ctPa
ckag
e D
ecom
mis
sion
ing
Paym
ent P
rodu
ctTr
ansa
ctio
n Cl
earin
g
Paym
ent P
rodu
ctPo
rtfo
lio D
ecom
mis
sion
ing
Paym
ent P
rodu
ctTr
ansa
ctio
n Su
ppor
ting*
Paym
ent P
rodu
ctTr
ansa
ctio
n Bi
lling
Paym
ent P
rodu
ctTr
ansa
ctio
n Fu
ndin
g
FrameworkThe detailed subsystem structure provides the foundation needed to identify details of the core processes and how they are to be performed.
When the detailed subsystems and core processes are combined, they produce a grid like framework. Within this framework, each subsystem/core process intersection is interpreted as a business function to be managed and performed. In terms of work to be performed, the resulting array of subsystem/core process intersections displays the entire set of business functions of the payment service business.
A business function is an ongoing functional capability of the business that is sustained over time. A business function applies resources to accomplish a particular kind of work in response to incoming work requests. From an Object-Oriented perspective, a business function can be thought of as an "object" that responds to incoming messages.
14© 2016 Frank Steeneken - All Rights Reserved
BusinessFunctionSubsystem
Core Process
15
A business function is identified by the intersection of a core process with a business subsystem.
© 2016 Frank Steeneken - All Rights Reserved
Core Process (Functional) Subsystem Business Function
16
Time
PaymentGatewayProductPortfolio
Definition
PaymentGatewayProductPortfolioDesign
Payment CollectorProductPortfolio
Definition
Payment CollectorProductPortfolioDesign
PaymentAcquirerProductPortfolio
Definition
PaymentAcquirerProductPortfolioDesign
PaymentGatewayProduct Package
Construction
PaymentGatewayProduct
TransactionAuthoriz-
ation
Payment CollectorProductPackage
Construction
Payment CollectorProduct
TransactionAuthoriz-
ation
PaymentAcquirerProductPackage
Construction
PaymentAcquirerProduct
TransactionAuthori-
zation
PaymentGatewayProduct
TransactionBill
Payment CollectorProduct
TransactionFund
Payment CollectorProduct
Transaction Bill
PaymentAcquirerProduct
TransactionFund
PaymentAcquirerProduct
Transaction Bill
PaymentGatewayProduct
TransactionSupport
PaymentGatewayProduct PackageDecom-mission
Payment CollectorProduct
TransactionSupport
Payment CollectorProductPackageDecom-mission
PaymentAcquirer
TransactionSupport
Payment AcquirerSupplierProductPackageDecom-mission
PaymentGatewayProductPortfolioDecom-mission
Payment CollectorProductPortfolioDecom-mission
Payment AcquirerProductPortfolioDecom-mission
PaymentGatewayProduct
TransactionClearance
Payment CollectorProduct
TransactionClearance
PaymentAcquirerProduct
TransactionClearance
PaymentGatewayProvider
Payment Collector
PaymentAcquirer
PaymentProductPortfolioDefining
Individual Merchant MerchantMarket
MerchantMarket
Individual IssuerIssuer Market IssuerMarket
PaymentProductPortfolioDesigning
PaymentProductPackage Constructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
Merchant
Issuer
Sequence flow State Transition
Payment GatewayProduct
TransactionFund
© 2016 Frank Steeneken - All Rights Reserved
Further Decomposition of SubsystemsThe diagrams in the following slides show a decomposition of subsystems into sub-subsystems that will be used to create a more detailed framework.
Each subsystem has the same generic sub-subsystem structure that sustains business functionality:-Customer Market Relationship: responsible for identification and selection of payment product processing services and value added services, establishment of a promotional strategy and development of sales channels, intake of resources and distribution of produced payment product processing services-Service Settlement: responsible for pricing, sales contracts and settlement for the payment product processing services and value added services produced.-Service: responsible for producing payment product processing services and value added services.-Supplier Market Relationship: responsible for identification and selection of suppliers, establishment of sourcing contracts, distribution of resources and intake of (semi-) finished payment product processing services.
17© 2016 Frank Steeneken - All Rights Reserved
Payment Gateway Service
Payment Gateway Service Settlement
Merchant MarketRelationship
Payment Gateway Supplier (Market)Relationship
18
Payment Collectors
Merchants
Subsystems - Payment Gateway Provider
© 2016 Frank Steeneken - All Rights Reserved
Subsystems – Payment Collector
19
Acquirers
Payment Gateways
Payment CollectionService
Payment Collection Service Settlement
Payment Collection Gateway (Market)Relationship
Payment Collection Supplier (Market)Relationship
© 2016 Frank Steeneken - All Rights Reserved
20
Issuers
Payment Collectors
Payment Acquisition Service
Payment Acquisition Service Settlement
Payment Acquisition Customer (Market) Relationship
Issuer Market Relationship
Subsystems – Payment Acquirer
© 2016 Frank Steeneken - All Rights Reserved
Merchant
Issuer
Payment Gateway Merchant Market Relationship
Payment Gateway Service Settlement
Payment Gateway Service
Payment Gateway Supplier (Market) Relationship
Payment CollectionGateway (Market) Relationship
Payment CollectionService Settlement
Payment CollectionService
Payment Collection Supplier (Market)Relationship
Payment AcquisitionCustomer (Market) Relationship
Payment AcquisitionServiceSettlement
Payment AcquisitionService
Payment AcquisitionIssuer MarketRelationship
MerchantMarket
IndividualMerchant
Merchant Market
IssuerMarket
IndividualIssuer
IssuerMarket
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProduct TransactionFunding
PaymentProduct TransactionBilling
PaymentProductTransactionSupporting
PaymentProduct MerchantDecom-missioning
PaymentProduct ProductDecom-missioning21
© 2016 Frank Steeneken - All Rights Reserved
Merchant
Issuer
Payment Gateway Merchant Market Relationship
Payment Gateway Service Settlement
Payment Gateway Service
Payment Gateway Supplier (Market) Relationship
Payment CollectionGateway (Market) Relationship
Payment CollectionService Settlement
Payment CollectionService
Payment Collection Supplier (Market)Relationship
Payment AcquisitionCustomer (Market) Relationship
Payment AcquisitionServiceSettlement
Payment AcquisitionService
Payment AcquisitionIssuer MarketRelationship
Payment GatewaySupplier Relationship
Product Portfolio Definition
Payment GatewaySupplier Relationship
Product Portfolio Design
Payment GatewaySupplier Relationship
Product Package Construction
Payment GatewaySupplier Relationship Product Transaction
Authorization
Payment GatewaySupplier RelationshipProduct Transaction
Clearance
Payment GatewaySupplier RelationshipProduct Transaction
Bill
Payment GatewaySupplier Relationship Product Transaction
Support
Payment GatewaySupplier Relationship
Product Package Decommission
Payment GatewaySupplier Relationship
Product Portfolio Decommission
Payment Gateway Service
Product PortfolioDefinition
Payment Gateway Service
Product PortfolioDesign
Payment Gateway Service
Product Package Construction
Payment Gateway Service
Product TransactionAuthorization
Payment Gateway Service
Product TransactionClearance
Payment Gateway Service
Product TransactionBill
Payment Gateway Service
Product Transaction Support
Payment Gateway Service
Product PackageDecommission
Payment Gateway Service
Product Portfolio Decommission
Payment GatewayService SettlementProduct Portfolio
Definition
Payment GatewayService Settlement Product Portfolio
Design
Payment GatewayService Settlement
Product Package Construction
Payment GatewayService Settlement
Product TransactionAuthorization
Payment GatewayService Settlement
Product TransactionClearance
Payment GatewayService Settlement
Product Transaction Bill
Payment GatewayService Settlement
Product Transaction Support
Payment GatewayService Settlement
Product Package Decommission
Payment GatewayService Settlement Product Portfolio
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio Definition
Payment GatewayMerchant Market
Relationship Product Portfolio Design
Payment Gateway Merchant Market
Relationship Product Package Construction
Payment Gateway Merchant Market
Relationship Product Transaction
Authorization
Payment Gateway Merchant Market
Relationship Product Transaction Clearance
Payment Gateway Merchant Market
Relationship Product Transaction Bill
Payment Gateway Merchant Market
Relationship Product Transaction
Support
Payment Gateway Merchant Market
Relationship Product Package
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio
Decommission
Payment CollectionSupplier Relationship
Product PortfolioDefinition
Payment Collection Supplier Relationship
Product Portfolio Design
Payment CollectionSupplier Relationship
Product Package Construction
Payment Collection Supplier Relationship Product Transaction
Authorization
Payment Collection Supplier Relationship Product Transaction
Clearance
Payment CollectionSupplier Relationship Product Transaction
Fund
Payment CollectionSupplier Relationship Product Transaction
Bill
Payment CollectionSupplier Relationship Product Transaction
Support
Payment CollectionSupplier Relationship
Product Package Decommission
Payment Collect.Supplier Relationship
Product Portfolio Decommission
Payment Collection Service
Product PortfolioDefinition
Payment Collection Service
Product PortfolioDesign
Payment Collection Service
Product Package Construction
Payment Collection Service
Product TransactionAuthorization
Payment Collection Service
Product TransactionClearance
Payment Collection Service
Product TransactionFund
Payment Collection Service
Product Transaction Bill
Payment Collection Service
Product TransactionSupport
Payment Collection Service
Product Package Decommission
Payment Collection Service
Product Portfolio Decommission
Payment Collection Service SettlementProduct Portfolio
Definition
Payment Collection Service SettlementProduct Portfolio
Design
Payment Collection Service Settlement
Product Package Construction
Payment Collection Service Settlement
Product TransactionAuthorization
Payment Collection Service Settlement
Product TransactionClearance
Payment Collection Service Settlement
Product TransactionFund
Payment Collection Service Settlement
Product Transaction Bill
Payment Collection Service Settlement
Product TransactionSupport
Payment Collection Service Settlement
Product Package Decommission
Payment Collection Service SettlementProduct Portfolio
Decommission
Payment Collection Gateway Relationship
Product Portfolio Definition
Payment Collection Gateway Relationship
Product Portfolio Design
Payment Collector Gateway Relationship
Product Package Construction
Payment Collection Gateway Relationship Product Transaction
Authorization
Payment Collection Gateway Relationship Product Transaction
Clearance
Payment Collection Gateway Relationship Product Transaction
Fund
Payment Collection Gateway RelationshipProduct Transaction
Bill
Payment Collection Gateway Relationship Product Transaction
Support
Payment Collection Gateway Relationship
Product Package Decommission
Payment Collect.Gateway Relationship
Product Portfolio Decommission
Payment AcquisitionIssuer Market
Relationship Product Portfolio Definition
Payment Acquisition Issuer Market
Relationship Product Portfolio Design
Payment AcquisitionIssuer Market
Relationship Product Package Construction
Payment AcquisitionIssuer Market
Relationship Product Transaction
Authorization
Payment Acquisition Issuer Market Product
Relationship TransactionClearance
Payment Acquisition Issuer Market
Relationship Product Transaction Fund
Issuer Market Relationship Product
Transaction Bill
Issuer Market Relationship
Product TransactionSupport
Issuer Market Relationship
Product Package Decommission
Issuer Market Relationship
Product PortfolioDecommission
Payment Service Acquisition ServiceProduct Portfolio
Definition
Payment Service Acquisition ServiceProduct Portfolio
Design
Payment Service Acquisition Service
Product PackageConstruction
Payment Service Acquisition Service
Product TransactionAuthorization
Payment Service Acquisition Service
Product Transaction Clearance
Payment Service Acquisition Service
Product TransactionFund
Payment Service Acquisition Service
Product Transaction Bill
Payment Service Acquisition Service
Product TransactionSupport
Payment Service Acquisition Service
Product Package Decommission
Payment Service Acquisition Service Product Portfolio
Decommission
Payment Acquisition Service SettlementProduct Portfolio
Definition
Payment Acquisition Service SettlementProduct Portfolio
Design
Payment Acquisition Service Settlement
Product Package Construction
Payment Acquisition Service Settlement
Product Transaction Authorization
Payment Acquisition Service Settlement
Product TransactionClearance
Payment Acquisition Service Settlement
Product Transaction Fund
Payment Acquisition Service Settlement
Product Transaction Bill
Payment Acquisition Service Settlement
Product Transaction Support
Payment Acquisition Service Settlement
Product Package Decommission
Payment Acquisition Service Settlement Product Portfolio
Decommission
Payment Acquisition Customer Relationship
Product Portfolio Definition
Payment Acquisition Customer Relationship
Product Portfolio Design
Payment Acquisition Customer Relationship
Product Package Construction
Payment Acquisition Customer Relationship
Product Transaction Authorization
Payment Acquisition Customer Relationship
Product Transaction Clearance
Payment Acquisition Customer Relationship
Product Transaction Fund
Payment Acquisition Customer Relationship
Product Transaction Bill
Payment Acquisition Customer Relationship
Product Transaction Support
Payment Acquisition Customer Relationship
Product Package Decommission
Payment Acquisition Customer Relationship
Product Portfolio Decommission
MerchantMarket
IndividualMerchant
Merchant Market
IssuerMarket
IndividualIssuer
IssuerMarket
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupport
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProduct TransactionFunding
PaymentProduct TransactionBilling
PaymentProductTransactionSupport
PaymentProduct MerchantDecom-missioning
PaymentProduct ProductDecom-missioning22
Payment Gateway Service Product
TransactionFund
Payment Gateway Service Product
Transaction Fund
Payment Gateway Service Settlement
Product Transaction Fund
Payment Gateway Merchant Market
Relationship Product Transaction Fund
© 2016 Frank Steeneken - All Rights Reserved
Application of the modelThe model can be applied to all types and sizes of payment service business enterprises. The model is intended to be used as a standardized template from which the unique characteristics of a specific payment service provider can be clearly identified. The unique features of different types of payment service providers may vary, depending on their business model, size, and payment product portfolio’s.
All of these differences can be viewed as variations on the common underlying theme presented in the model. This allows the model to be employed as a baseline template for understanding and defining all payment service situations.
In the following slides show three examples of the use of the framework in which a payment service provider acts as a :1. Payment Gateway2. Payment Collector and Payment Gateway3. Payment Acquirer and Payment Gateway
23© 2016 Frank Steeneken - All Rights Reserved
2424
PaymentGatewayProductPortfolio
Definition
PaymentGatewayProductPortfolioDesign
Payment CollectorProductPortfolio
Definition
Payment CollectorProductPortfolioDesign
PaymentAcquirerProductPortfolio
Definition
PaymentAcquirerProductPortfolioDesign
PaymentGatewayProduct Package
Construction
PaymentGatewayProduct
TransactionAuthori-
zation
Payment CollectorProductPackage
Construction
Payment CollectorProduct
TransactionAuthori-
zation
PaymentAcquirerProductPackage
Construction
PaymentAcquirerProduct
TransactionAuthori-
zation
PaymentGatewayProduct
TransactionBill
Payment CollectorProduct
TransactionFund
Payment CollectorProduct
Transaction Bill
PaymentAcquirerProduct
TransactionFund
PaymentAcquirerProduct
Transaction Bill
PaymentGatewayProduct
TransactionSupport
PaymentGatewayProduct PackageDecom-mission
Payment CollectorProduct
TransactionSupport
Payment CollectorProductPackageDecom-mission
PaymentAcquirer
TransactionSupport
Payment AcquirerSupplierProductPackageDecom-mission
PaymentGatewayProductPortfolioDecom-mission
Payment CollectorProductPortfolioDecom-mission
Payment AcquirerProductPortfolioDecom-mission
PaymentGatewayProduct
TransactionClearance
Payment CollectorProduct
TransactionClearance
PaymentAcquirerProduct
TransactionClearance
PaymentGatewayProvider
Payment Collector
PaymentAcquirer
PaymentProductPortfolioDefining
Individual Merchant MerchantMarket
MerchantMarket
Individual IssuerIssuer Market IssuerMarket
PaymentProductPortfolioDesigning
PaymentProductPackage Constructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
Merchant
Issuer
Example #1
Payment GatewayProduct
TransactionFund
Payment Service Provider acting as
Payment Gateway
© 2016 Frank Steeneken - All Rights Reserved
25
Merchant
Issuer
Payment Gateway Merchant Market Relationship
Payment Gateway Service Settlement
Payment Gateway Service
Payment Gateway Supplier (Market) Relationship
Payment CollectionGateway (Market) Relationship
Payment CollectionService Settlement
Payment CollectionService
Payment Collection Supplier (Market)Relationship
Payment AcquisitionCustomer (Market) Relationship
Payment AcquisitionServiceSettlement
Payment AcquisitionService
Payment AcquisitionIssuer MarketRelationship
Payment GatewaySupplier Relationship
Product Portfolio Definition
Payment GatewaySupplier Relationship
Product Portfolio Design
Payment GatewaySupplier Relationship
Product Package Construction
Payment GatewaySupplier Relationship Product Transaction
Authorization
Payment GatewaySupplier RelationshipProduct Transaction
Clearance
Payment GatewaySupplier RelationshipProduct Transaction
Bill
Payment GatewaySupplier Relationship Product Transaction
Support
Payment GatewaySupplier Relationship
Product Package Decommission
Payment GatewaySupplier Relationship
Product Portfolio Decommission
Payment Gateway Service
Product PortfolioDefinition
Payment Gateway Service
Product PortfolioDesign
Payment Gateway Service
Product Package Construction
Payment Gateway Service
Product TransactionAuthorization
Payment Gateway Service
Product TransactionClearance
Payment Gateway Service
Product TransactionBill
Payment Gateway Service
Product Transaction Support
Payment Gateway Service
Product PackageDecommission
Payment Gateway Service
Product Portfolio Decommission
Payment GatewayService SettlementProduct Portfolio
Definition
Payment GatewayService Settlement Product Portfolio
Design
Payment GatewayService Settlement
Product Package Construction
Payment GatewayService Settlement
Product TransactionAuthorization
Payment GatewayService Settlement
Product TransactionClearance
Payment GatewayService Settlement
Product Transaction Bill
Payment GatewayService Settlement
Product Transaction Support
Payment GatewayService Settlement
Product Package Decommission
Payment GatewayService Settlement Product Portfolio
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio Definition
Payment GatewayMerchant Market
Relationship Product Portfolio Design
Payment Gateway Merchant Market
Relationship Product Package Construction
Payment Gateway Merchant Market
Relationship Product Transaction
Authorization
Payment Gateway Merchant Market
Relationship Product Transaction Clearance
Payment Gateway Merchant Market
Relationship Product Transaction Bill
Payment Gateway Merchant Market
Relationship Product Transaction
Support
Payment Gateway Merchant Market
Relationship Product Package
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio
Decommission
Payment CollectionSupplier Relationship
Product PortfolioDefinition
Payment Collection Supplier Relationship
Product Portfolio Design
Payment CollectionSupplier Relationship
Product Package Construction
Payment Collection Supplier Relationship Product Transaction
Authorization
Payment Collection Supplier Relationship Product Transaction
Clearance
Payment CollectionSupplier Relationship Product Transaction
Fund
Payment CollectionSupplier Relationship Product Transaction
Bill
Payment CollectionSupplier Relationship Product Transaction
Support
Payment CollectionSupplier Relationship
Product Package Decommission
Payment Collect.Supplier Relationship
Product Portfolio Decommission
Payment Collection Service
Product PortfolioDefinition
Payment Collection Service
Product PortfolioDesign
Payment Collection Service
Product Package Construction
Payment Collection Service
Product TransactionAuthorization
Payment Collection Service
Product TransactionClearance
Payment Collection Service
Product TransactionFund
Payment Collection Service
Product Transaction Bill
Payment Collection Service
Product TransactionSupport
Payment Collection Service
Product Package Decommission
Payment Collection Service
Product Portfolio Decommission
Payment Collection Service SettlementProduct Portfolio
Definition
Payment Collection Service SettlementProduct Portfolio
Design
Payment Collection Service Settlement
Product Package Construction
Payment Collection Service Settlement
Product TransactionAuthorization
Payment Collection Service Settlement
Product TransactionClearance
Payment Collection Service Settlement
Product TransactionFund
Payment Collection Service Settlement
Product Transaction Bill
Payment Collection Service Settlement
Product TransactionSupport
Payment Collection Service Settlement
Product Package Decommission
Payment Collection Service SettlementProduct Portfolio
Decommission
Payment Collection Gateway Relationship
Product Portfolio Definition
Payment Collection Gateway Relationship
Product Portfolio Design
Payment Collector Gateway Relationship
Product Package Construction
Payment Collection Gateway Relationship Product Transaction
Authorization
Payment Collection Gateway Relationship Product Transaction
Clearance
Payment Collection Gateway Relationship Product Transaction
Fund
Payment Collection Gateway RelationshipProduct Transaction
Bill
Payment Collection Gateway Relationship Product Transaction
Support
Payment Collection Gateway Relationship
Product Package Decommission
Payment Collect.Gateway Relationship
Product Portfolio Decommission
Payment AcquisitionIssuer Market
Relationship Product Portfolio Definition
Payment Acquisition Issuer Market
Relationship Product Portfolio Design
Payment AcquisitionIssuer Market
Relationship Product Package Construction
Payment AcquisitionIssuer Market
Relationship Product Transaction
Authorization
Payment Acquisition Issuer Market Product
Relationship TransactionClearance
Payment Acquisition Issuer Market
Relationship Product Transaction Fund
Issuer Market Relationship Product
Transaction Bill
Issuer Market Relationship
Product TransactionSupport
Issuer Market Relationship
Product Package Decommission
Issuer Market Relationship
Product PortfolioDecommission
Payment Service Acquisition ServiceProduct Portfolio
Definition
Payment Service Acquisition ServiceProduct Portfolio
Design
Payment Service Acquisition Service
Product PackageConstruction
Payment Service Acquisition Service
Product TransactionAuthorization
Payment Service Acquisition Service
Product Transaction Clearance
Payment Service Acquisition Service
Product TransactionFund
Payment Service Acquisition Service
Product Transaction Bill
Payment Service Acquisition Service
Product TransactionSupport
Payment Service Acquisition Service
Product Package Decommission
Payment Service Acquisition Service Product Portfolio
Decommission
Payment Acquisition Service SettlementProduct Portfolio
Definition
Payment Acquisition Service SettlementProduct Portfolio
Design
Payment Acquisition Service Settlement
Product Package Construction
Payment Acquisition Service Settlement
Product Transaction Authorization
Payment Acquisition Service Settlement
Product TransactionClearance
Payment Acquisition Service Settlement
Product Transaction Fund
Payment Acquisition Service Settlement
Product Transaction Bill
Payment Acquisition Service Settlement
Product Transaction Support
Payment Acquisition Service Settlement
Product Package Decommission
Payment Acquisition Service Settlement Product Portfolio
Decommission
Payment Acquisition Customer Relationship
Product Portfolio Definition
Payment Acquisition Customer Relationship
Product Portfolio Design
Payment Acquisition Customer Relationship
Product Package Construction
Payment Acquisition Customer Relationship
Product Transaction Authorization
Payment Acquisition Customer Relationship
Product Transaction Clearance
Payment Acquisition Customer Relationship
Product Transaction Fund
Payment Acquisition Customer Relationship
Product Transaction Bill
Payment Acquisition Customer Relationship
Product Transaction Support
Payment Acquisition Customer Relationship
Product Package Decommission
Payment Acquisition Customer Relationship
Product Portfolio Decommission
MerchantMarket
IndividualMerchant
Merchant Market
IssuerMarket
IndividualIssuer
IssuerMarket
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupport
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProduct TransactionFunding
PaymentProduct TransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
Payment Gateway Service Product
TransactionFund
Payment Gateway Service Product
Transaction Fund
Payment Gateway Service Settlement
Product Transaction Fund
Payment Gateway Merchant Market
Relationship Product Transaction Fund
Payment Service Provider acting as
Payment Gateway
© 2016 Frank Steeneken - All Rights Reserved
2626
Example #2
PaymentGatewayProductPortfolio
Definition
PaymentGatewayProductPortfolioDesign
Payment CollectorProductPortfolio
Definition
Payment CollectorProductPortfolioDesign
PaymentAcquirerProductPortfolio
Definition
PaymentAcquirerProductPortfolioDesign
PaymentGatewayProduct Package
Construction
PaymentGatewayProduct
TransactionAuthori-
zation
Payment CollectorProductPackage
Construction
Payment CollectorProduct
TransactionAuthori-
zation
PaymentAcquirerProductPackage
Construction
PaymentAcquirerProduct
TransactionAuthori-
zation
PaymentGatewayProduct
TransactionBill
Payment CollectorProduct
TransactionFund
Payment CollectorProduct
Transaction Bill
PaymentAcquirerProduct
TransactionFund
PaymentAcquirerProduct
Transaction Bill
PaymentGatewayProduct
TransactionSupport
PaymentGatewayProduct PackageDecom-mission
Payment CollectorProduct
TransactionSupport
Payment CollectorProductPackageDecom-mission
PaymentAcquirer
TransactionSupport
Payment AcquirerSupplierProductPackageDecom-mission
PaymentGatewayProductPortfolioDecom-mission
Payment CollectorProductPortfolioDecom-mission
Payment AcquirerProductPortfolioDecom-mission
PaymentGatewayProduct
TransactionClearance
Payment CollectorProduct
TransactionClearance
PaymentAcquirerProduct
TransactionClearance
PaymentGatewayProvider
Payment Collector
PaymentAcquirer
PaymentProductPortfolioDefining
Individual Merchant MerchantMarket
MerchantMarket
Individual IssuerIssuer Market IssuerMarket
PaymentProductPortfolioDesigning
PaymentProductPackage Constructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
Merchant
Issuer
Payment GatewayProduct
TransactionFund
Payment Service Provider acting as Payment Gateway
and Payment Collector
© 2016 Frank Steeneken - All Rights Reserved
27
Merchant
Issuer
Payment Gateway Merchant Market Relationship
Payment Gateway Service Settlement
Payment Gateway Service
Payment Gateway Supplier (Market) Relationship
Payment CollectionGateway (Market) Relationship
Payment CollectionService Settlement
Payment CollectionService
Payment Collection Supplier (Market)Relationship
Payment AcquisitionCustomer (Market) Relationship
Payment AcquisitionServiceSettlement
Payment AcquisitionService
Payment AcquisitionIssuer MarketRelationship
Payment GatewaySupplier Relationship
Product Portfolio Definition
Payment GatewaySupplier Relationship
Product Portfolio Design
Payment GatewaySupplier Relationship
Product Package Construction
Payment GatewaySupplier Relationship Product Transaction
Authorization
Payment GatewaySupplier RelationshipProduct Transaction
Clearance
Payment GatewaySupplier RelationshipProduct Transaction
Bill
Payment GatewaySupplier Relationship Product Transaction
Support
Payment GatewaySupplier Relationship
Product Package Decommission
Payment GatewaySupplier Relationship
Product Portfolio Decommission
Payment Gateway Service
Product PortfolioDefinition
Payment Gateway Service
Product PortfolioDesign
Payment Gateway Service
Product Package Construction
Payment Gateway Service
Product TransactionAuthorization
Payment Gateway Service
Product TransactionClearance
Payment Gateway Service
Product TransactionBill
Payment Gateway Service
Product Transaction Support
Payment Gateway Service
Product PackageDecommission
Payment Gateway Service
Product Portfolio Decommission
Payment GatewayService SettlementProduct Portfolio
Definition
Payment GatewayService Settlement Product Portfolio
Design
Payment GatewayService Settlement
Product Package Construction
Payment GatewayService Settlement
Product TransactionAuthorization
Payment GatewayService Settlement
Product TransactionClearance
Payment GatewayService Settlement
Product Transaction Bill
Payment GatewayService Settlement
Product Transaction Support
Payment GatewayService Settlement
Product Package Decommission
Payment GatewayService Settlement Product Portfolio
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio Definition
Payment GatewayMerchant Market
Relationship Product Portfolio Design
Payment Gateway Merchant Market
Relationship Product Package Construction
Payment Gateway Merchant Market
Relationship Product Transaction
Authorization
Payment Gateway Merchant Market
Relationship Product Transaction Clearance
Payment Gateway Merchant Market
Relationship Product Transaction Bill
Payment Gateway Merchant Market
Relationship Product Transaction
Support
Payment Gateway Merchant Market
Relationship Product Package
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio
Decommission
Payment CollectionSupplier Relationship
Product PortfolioDefinition
Payment Collection Supplier Relationship
Product Portfolio Design
Payment CollectionSupplier Relationship
Product Package Construction
Payment Collection Supplier Relationship Product Transaction
Authorization
Payment Collection Supplier Relationship Product Transaction
Clearance
Payment CollectionSupplier Relationship Product Transaction
Fund
Payment CollectionSupplier Relationship Product Transaction
Bill
Payment CollectionSupplier Relationship Product Transaction
Support
Payment CollectionSupplier Relationship
Product Package Decommission
Payment Collect.Supplier Relationship
Product Portfolio Decommission
Payment Collection Service
Product PortfolioDefinition
Payment Collection Service
Product PortfolioDesign
Payment Collection Service
Product Package Construction
Payment Collection Service
Product TransactionAuthorization
Payment Collection Service
Product TransactionClearance
Payment Collection Service
Product TransactionFund
Payment Collection Service
Product Transaction Bill
Payment Collection Service
Product TransactionSupport
Payment Collection Service
Product Package Decommission
Payment Collection Service
Product Portfolio Decommission
Payment Collection Service SettlementProduct Portfolio
Definition
Payment Collection Service SettlementProduct Portfolio
Design
Payment Collection Service Settlement
Product Package Construction
Payment Collection Service Settlement
Product TransactionAuthorization
Payment Collection Service Settlement
Product TransactionClearance
Payment Collection Service Settlement
Product TransactionFund
Payment Collection Service Settlement
Product Transaction Bill
Payment Collection Service Settlement
Product TransactionSupport
Payment Collection Service Settlement
Product Package Decommission
Payment Collection Service SettlementProduct Portfolio
Decommission
Payment Collection Gateway Relationship
Product Portfolio Definition
Payment Collection Gateway Relationship
Product Portfolio Design
Payment Collector Gateway Relationship
Product Package Construction
Payment Collection Gateway Relationship Product Transaction
Authorization
Payment Collection Gateway Relationship Product Transaction
Clearance
Payment Collection Gateway Relationship Product Transaction
Fund
Payment Collection Gateway RelationshipProduct Transaction
Bill
Payment Collection Gateway Relationship Product Transaction
Support
Payment Collection Gateway Relationship
Product Package Decommission
Payment Collect.Gateway Relationship
Product Portfolio Decommission
Payment AcquisitionIssuer Market
Relationship Product Portfolio Definition
Payment Acquisition Issuer Market
Relationship Product Portfolio Design
Payment AcquisitionIssuer Market
Relationship Product Package Construction
Payment AcquisitionIssuer Market
Relationship Product Transaction
Authorization
Payment Acquisition Issuer Market Product
Relationship TransactionClearance
Payment Acquisition Issuer Market
Relationship Product Transaction Fund
Issuer Market Relationship Product
Transaction Bill
Issuer Market Relationship
Product TransactionSupport
Issuer Market Relationship
Product Package Decommission
Issuer Market Relationship
Product PortfolioDecommission
Payment Service Acquisition ServiceProduct Portfolio
Definition
Payment Service Acquisition ServiceProduct Portfolio
Design
Payment Service Acquisition Service
Product PackageConstruction
Payment Service Acquisition Service
Product TransactionAuthorization
Payment Service Acquisition Service
Product Transaction Clearance
Payment Service Acquisition Service
Product TransactionFund
Payment Service Acquisition Service
Product Transaction Bill
Payment Service Acquisition Service
Product TransactionSupport
Payment Service Acquisition Service
Product Package Decommission
Payment Service Acquisition Service Product Portfolio
Decommission
Payment Acquisition Service SettlementProduct Portfolio
Definition
Payment Acquisition Service SettlementProduct Portfolio
Design
Payment Acquisition Service Settlement
Product Package Construction
Payment Acquisition Service Settlement
Product Transaction Authorization
Payment Acquisition Service Settlement
Product TransactionClearance
Payment Acquisition Service Settlement
Product Transaction Fund
Payment Acquisition Service Settlement
Product Transaction Bill
Payment Acquisition Service Settlement
Product Transaction Support
Payment Acquisition Service Settlement
Product Package Decommission
Payment Acquisition Service Settlement Product Portfolio
Decommission
Payment Acquisition Customer Relationship
Product Portfolio Definition
Payment Acquisition Customer Relationship
Product Portfolio Design
Payment Acquisition Customer Relationship
Product Package Construction
Payment Acquisition Customer Relationship
Product Transaction Authorization
Payment Acquisition Customer Relationship
Product Transaction Clearance
Payment Acquisition Customer Relationship
Product Transaction Fund
Payment Acquisition Customer Relationship
Product Transaction Bill
Payment Acquisition Customer Relationship
Product Transaction Support
Payment Acquisition Customer Relationship
Product Package Decommission
Payment Acquisition Customer Relationship
Product Portfolio Decommission
MerchantMarket
IndividualMerchant
Merchant Market
IssuerMarket
IndividualIssuer
IssuerMarket
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupport
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProduct TransactionFunding
PaymentProduct TransactionBilling
PaymentProductTransactionSupport
PaymentProduct MerchantDecom-missioning
PaymentProduct ProductDecom-missioning27
Copyright ℗2016 Frank Steeneken - All Rights Reserved
Payment Gateway Service Product
TransactionFund
Payment Gateway Service Product
Transaction Fund
Payment Gateway Service Settlement
Product Transaction Fund
Payment Gateway Merchant Market
Relationship Product Transaction Fund
Payment Service Provider acting asPayment Gateway
andPayment Collector
2828
PaymentGatewayProductPortfolio
Definition
PaymentGatewayProductPortfolioDesign
Payment CollectorProductPortfolio
Definition
Payment CollectorProductPortfolioDesign
PaymentAcquirerProductPortfolio
Definition
PaymentAcquirerProductPortfolioDesign
PaymentGatewayProduct Package
Construction
PaymentGatewayProduct
TransactionAuthori-
zation
Payment CollectorProductPackage
Construction
Payment CollectorProduct
TransactionAuthori-
zation
PaymentAcquirerProductPackage
Construction
PaymentAcquirerProduct
TransactionAuthori-
zation
PaymentGatewayProduct
TransactionBill
Payment CollectorProduct
TransactionFund
Payment CollectorProduct
Transaction Bill
PaymentAcquirerProduct
TransactionFund
PaymentAcquirerProduct
Transaction Bill
PaymentGatewayProduct
TransactionSupport
PaymentGatewayProduct PackageDecom-mission
Payment CollectorProduct
TransactionSupport
Payment CollectorProductPackageDecom-mission
PaymentAcquirer
TransactionSupport
Payment AcquirerSupplierProductPackageDecom-mission
PaymentGatewayProductPortfolioDecom-mission
Payment CollectorProductPortfolioDecom-mission
Payment AcquirerProductPortfolioDecom-mission
PaymentGatewayProduct
TransactionClearance
Payment CollectorProduct
TransactionClearance
PaymentAcquirerProduct
TransactionClearance
PaymentGatewayProvider
Payment Collector
PaymentAcquirer
PaymentProductPortfolioDefining
Individual Merchant MerchantMarket
MerchantMarket
Individual IssuerIssuer Market IssuerMarket
PaymentProductPortfolioDesigning
PaymentProductPackage Constructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProduct TransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupporting
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
Merchant
Issuer
Example #3
and Payment Acquirer
Payment GatewayProduct
TransactionFund
Payment Service Provider acting as Payment Gateway
© 2016 Frank Steeneken - All Rights Reserved
Merchant
Issuer
Payment Gateway Merchant Market Relationship
Payment Gateway Service Settlement
Payment Gateway Service
Payment Gateway Supplier (Market) Relationship
Payment CollectionGateway (Market) Relationship
Payment CollectionService Settlement
Payment CollectionService
Payment Collection Supplier (Market)Relationship
Payment AcquisitionCustomer (Market) Relationship
Payment AcquisitionServiceSettlement
Payment AcquisitionService
Payment AcquisitionIssuer MarketRelationship
Payment GatewaySupplier Relationship
Product Portfolio Definition
Payment GatewaySupplier Relationship
Product Portfolio Design
Payment GatewaySupplier Relationship
Product Package Construction
Payment GatewaySupplier Relationship Product Transaction
Authorization
Payment GatewaySupplier RelationshipProduct Transaction
Clearance
Payment GatewaySupplier RelationshipProduct Transaction
Bill
Payment GatewaySupplier Relationship Product Transaction
Support
Payment GatewaySupplier Relationship
Product Package Decommission
Payment GatewaySupplier Relationship
Product Portfolio Decommission
Payment Gateway Service
Product PortfolioDefinition
Payment Gateway Service
Product PortfolioDesign
Payment Gateway Service
Product Package Construction
Payment Gateway Service
Product TransactionAuthorization
Payment Gateway Service
Product TransactionClearance
Payment Gateway Service
Product TransactionBill
Payment Gateway Service
Product Transaction Support
Payment Gateway Service
Product PackageDecommission
Payment Gateway Service
Product Portfolio Decommission
Payment GatewayService SettlementProduct Portfolio
Definition
Payment GatewayService Settlement Product Portfolio
Design
Payment GatewayService Settlement
Product Package Construction
Payment GatewayService Settlement
Product TransactionAuthorization
Payment GatewayService Settlement
Product TransactionClearance
Payment GatewayService Settlement
Product Transaction Bill
Payment GatewayService Settlement
Product Transaction Support
Payment GatewayService Settlement
Product Package Decommission
Payment GatewayService Settlement Product Portfolio
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio Definition
Payment GatewayMerchant Market
Relationship Product Portfolio Design
Payment Gateway Merchant Market
Relationship Product Package Construction
Payment Gateway Merchant Market
Relationship Product Transaction
Authorization
Payment Gateway Merchant Market
Relationship Product Transaction Clearance
Payment Gateway Merchant Market
Relationship Product Transaction Bill
Payment Gateway Merchant Market
Relationship Product Transaction
Support
Payment Gateway Merchant Market
Relationship Product Package
Decommission
Payment Gateway Merchant Market
Relationship Product Portfolio
Decommission
Payment CollectionSupplier Relationship
Product PortfolioDefinition
Payment Collection Supplier Relationship
Product Portfolio Design
Payment CollectionSupplier Relationship
Product Package Construction
Payment Collection Supplier Relationship Product Transaction
Authorization
Payment Collection Supplier Relationship Product Transaction
Clearance
Payment CollectionSupplier Relationship Product Transaction
Fund
Payment CollectionSupplier Relationship Product Transaction
Bill
Payment CollectionSupplier Relationship Product Transaction
Support
Payment CollectionSupplier Relationship
Product Package Decommission
Payment Collect.Supplier Relationship
Product Portfolio Decommission
Payment Collection Service
Product PortfolioDefinition
Payment Collection Service
Product PortfolioDesign
Payment Collection Service
Product Package Construction
Payment Collection Service
Product TransactionAuthorization
Payment Collection Service
Product TransactionClearance
Payment Collection Service
Product TransactionFund
Payment Collection Service
Product Transaction Bill
Payment Collection Service
Product TransactionSupport
Payment Collection Service
Product Package Decommission
Payment Collection Service
Product Portfolio Decommission
Payment Collection Service SettlementProduct Portfolio
Definition
Payment Collection Service SettlementProduct Portfolio
Design
Payment Collection Service Settlement
Product Package Construction
Payment Collection Service Settlement
Product TransactionAuthorization
Payment Collection Service Settlement
Product TransactionClearance
Payment Collection Service Settlement
Product TransactionFund
Payment Collection Service Settlement
Product Transaction Bill
Payment Collection Service Settlement
Product TransactionSupport
Payment Collection Service Settlement
Product Package Decommission
Payment Collection Service SettlementProduct Portfolio
Decommission
Payment Collection Gateway Relationship
Product Portfolio Definition
Payment Collection Gateway Relationship
Product Portfolio Design
Payment Collector Gateway Relationship
Product Package Construction
Payment Collection Gateway Relationship Product Transaction
Authorization
Payment Collection Gateway Relationship Product Transaction
Clearance
Payment Collection Gateway Relationship Product Transaction
Fund
Payment Collection Gateway RelationshipProduct Transaction
Bill
Payment Collection Gateway Relationship Product Transaction
Support
Payment Collection Gateway Relationship
Product Package Decommission
Payment Collect.Gateway Relationship
Product Portfolio Decommission
Payment AcquisitionIssuer Market
Relationship Product Portfolio Definition
Payment Acquisition Issuer Market
Relationship Product Portfolio Design
Payment AcquisitionIssuer Market
Relationship Product Package Construction
Payment AcquisitionIssuer Market
Relationship Product Transaction
Authorization
Payment Acquisition Issuer Market Product
Relationship TransactionClearance
Payment Acquisition Issuer Market
Relationship Product Transaction Fund
Issuer Market Relationship Product
Transaction Bill
Issuer Market Relationship
Product TransactionSupport
Issuer Market Relationship
Product Package Decommission
Issuer Market Relationship
Product PortfolioDecommission
Payment Service Acquisition ServiceProduct Portfolio
Definition
Payment Service Acquisition ServiceProduct Portfolio
Design
Payment Service Acquisition Service
Product PackageConstruction
Payment Service Acquisition Service
Product TransactionAuthorization
Payment Service Acquisition Service
Product Transaction Clearance
Payment Service Acquisition Service
Product TransactionFund
Payment Service Acquisition Service
Product Transaction Bill
Payment Service Acquisition Service
Product TransactionSupport
Payment Service Acquisition Service
Product Package Decommission
Payment Service Acquisition Service Product Portfolio
Decommission
Payment Acquisition Service SettlementProduct Portfolio
Definition
Payment Acquisition Service SettlementProduct Portfolio
Design
Payment Acquisition Service Settlement
Product Package Construction
Payment Acquisition Service Settlement
Product Transaction Authorization
Payment Acquisition Service Settlement
Product TransactionClearance
Payment Acquisition Service Settlement
Product Transaction Fund
Payment Acquisition Service Settlement
Product Transaction Bill
Payment Acquisition Service Settlement
Product Transaction Support
Payment Acquisition Service Settlement
Product Package Decommission
Payment Acquisition Service Settlement Product Portfolio
Decommission
Payment Acquisition Customer Relationship
Product Portfolio Definition
Payment Acquisition Customer Relationship
Product Portfolio Design
Payment Acquisition Customer Relationship
Product Package Construction
Payment Acquisition Customer Relationship
Product Transaction Authorization
Payment Acquisition Customer Relationship
Product Transaction Clearance
Payment Acquisition Customer Relationship
Product Transaction Fund
Payment Acquisition Customer Relationship
Product Transaction Bill
Payment Acquisition Customer Relationship
Product Transaction Support
Payment Acquisition Customer Relationship
Product Package Decommission
Payment Acquisition Customer Relationship
Product Portfolio Decommission
MerchantMarket
IndividualMerchant
Merchant Market
IssuerMarket
IndividualIssuer
IssuerMarket
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProductTransactionFunding
PaymentProductTransactionBilling
PaymentProductTransactionSupport
PaymentProductPackageDecom-missioning
PaymentProductPortfolioDecom-missioning
PaymentProductPortfolioDefining
PaymentProductPortfolioDesigning
PaymentProductPackageConstructing
PaymentProductTransactionAuthorizing
PaymentProductTransactionClearing
PaymentProduct TransactionFunding
PaymentProduct TransactionBilling
PaymentProductTransactionSupport
PaymentProduct MerchantDecom-missioning
PaymentProduct ProductDecom-missioning29
andPayment Acquirer
Payment Gateway Service Product
TransactionFund
Payment Gateway Service Product
Transaction Fund
Payment Gateway Service Settlement
Product Transaction Fund
Payment Gateway Merchant Market
Relationship Product Transaction Fund
A Payment Service Provider acting as
Payment Gateway
© 2016 Frank Steeneken - All Rights Reserved
Organizational DesignThe model’s subsystem/core process matrix can be applied to help design or realign a company’s organization structure with its inherent functional structure. This framework provides a tool for (re)assigning management responsibilities toward the more clearly defined business functions.
The business functions that are defined within the model’s structural framework can be mapped to those found on the actual company’s organization chart. The model can bring to light any fragmentation of a function across multiple organization units, as well as ambiguous paths of authority over essential functional work.
30© 2016 Frank Steeneken - All Rights Reserved
Business Process DesignThe overall sequential flow of work performed by each core process determines the flow of work as it encounters its sequence of business functions. In that context, the work performed by a given business function is viewed as a sub-process of the overall core process, and details of the work within the business function appear as lower-level activities within that sub-process.
The model provides a framework that clearly defines all business functions that are essential to the company’s product life cycle and operation. Each of these well-defined business functions can then be decomposed into lower levels of detail using well-established process modeling methods and techniques.
31© 2016 Frank Steeneken - All Rights Reserved
TakeawayThe model defines the inherent system structure that is common to every payment service business.
It provides an architectural framework of function and workflow that can be applied to better understand and improve a payment service provider’s business performance.
By identifying the payment service business complete core process and function structure, this model provides a highly efficient tool for more accurate business process identification, improvement and design.
32© 2016 Frank Steeneken - All Rights Reserved
Other Applications of this Method
http://www.bptrends.com/publicationfiles/01-03-2012-ART-Supermarket%20Article-steeneken-Ackley%20111226.pdf
http://www.bptrends.com/a-complete-model-of-the-multi-channel-super-market-business/
http://www.xr-magazine.nl/artikelen/2245/architectuurmethoden/basisbedrijfsmodel-terreinbeheer
33© 2016 Frank Steeneken - All Rights Reserved
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