Process: Request payment authorization

Flow

Legend

Request payment authorization

Objective

Request payment authorization, thereby mitigating the risk of not receiving payment for the order.

Description

Perform the tasks necessary to obtain payment authorization for an order being processed. Depending on the payment type and the business policy for the payment type, varying actions will be performed. The intention is that any payment problems that can be detected while the customer is still online are detected and communicated back to the customer. For certain credit cards, for example, a LUHN check is performed and any errors are surfaced as problems with the credit card.

Input to the process is an order requiring payment authorization. If successful, output is an order with the payment authorized. Sometimes, the authorization does not complete right away; in this case, the output will be an order with payment authorization requested.

If payment authorization has already been requested (this will be the case for processing a backorder or and order for which remote fulfillment failed), then check the existing payment status and update the order appropriately. This could result in an order with payment authorized, a canceled order, or an order still requiring payment authorization (no change).

If payment authorization has not already been requested, then do the following:

The following tasks are then performed:

This will result in an order with payment authorized, an order with payment denied, or an order with payment authorization requested.

Features

Payment authorization

WebSphere Commerce Payments

Line of credit

External accounting system integration

Purchase-order support

Customization

Integration with back-end payment systems

Edition

Professional, Business Edition

Subprocesses

Tasks

Task Description Role
Validate business account

Assure that the business account being used is valid.

System
Check TA spending limit

Check the trading-agreement (TA) spending limit to see whether or not it has been exceeded.

An order may include order items that are purchased under different trading agreements, and different trading agreements may have different spending limits.

  • Checks to see whether or not the spending limit of the trading agreement would be exceeded with this purchase if the trading agreement includes a RightToBuy-by-amount terms and conditions (TC).

Records for the purchase amount and refund amount for purchases and refunds against a trading agreement with a RightToBuy-by-amount TC are kept in the same currency specified for the RightToBuy-by-amount TC. These records are kept in separate tables, TRDPURAMT and TRDREFAMT respectively. Note that the currency of this RightToBuy TC must not change once the trading agreement has been activated and purchases have been made against the trading agreement.

Purchases can be made using a currency that is different from the currency specified for the RightToBuy-by-amount TC.

  • For each unique trading agreement specified in the order items that includes a RightToBuy-by-amount TC, this default implementation converts the sum of the purchase amounts of the order items to the currency specified for the RightToBuy TC. If the resulting amount and the sum of all purchase amounts for the trading agreement in the TRDPURAMT table exceed the RightToBuy amount in the TC plus the sum of all refund amounts in the TRDREFAMT table for the same trading ID, the check fails.

The purchase amount of an order item is the sum of the ORDERITEMS.TOTALPRODUCT plus ORDERITEMS.TAXAMOUNT plus ORDERITEMS.SHIPCHARGE plus ORDERITEMS.SHIPTAXAMOUNT minus ORDERITEMS.TOTALADJUSTMENT. (Similarly, the purchase amount for the whole order consists of the sum of ORDERS.TOTALPRODUCT plus ORDERS.TOTALTAX plus ORDERS.TOTALSHIPPING plus ORDERS.TOTALTAXSHIPPING minus ORDERS.TOTALADJUSTMENT. This is the same as the total amount passed by the caller.)

System
Handle payment authorization denied

Display an error view to the buyer if the PO number is not valid or the PO spending limit has been exceeded.

System
Cancel order

Update the order state to canceled (X).

System

Business artifacts

Feedback