DSS600 – Foundations for Business Intelligence – Final Paper Julia M. Clancy Saint Joseph’s University Marvin Hagen June 26, 2015 Through each assignment that was completed during this course, I continuously reflected back on how the topics related to my company and if the topics were relevant to my specific position or to my company as a whole. It was interesting to identify the difference and to see that even though processes are occurring at a high level and may seem to be directed at a different department, every decision leadership makes affects my role within the organization and enhances how I perform my duties. Looking at my company’s value chain was no different. While there are many factors that feed into …show more content…
The two main pillars behind CyberSource is being a global payment gateway for its merchants while also providing best in class fraud management for their transactions. The combination offering of these services is what attracts CyberSource customers, it is a one stop shop for their ecommerce business with a name that is highly regarded in the industry. I typically like to sum up our value chain to our merchants in one word: communication. When talking about a virtual value chain, all our raw materials come to us in the form of data. We receive the data that is being sent to us from our customers and for us to properly receive this, both systems must be in communication. The data we receive solely depends on what their systems are ‘communicating’ to us – what information is actually being captured and passed, and how can we use this to our advantage. Our raw data comes from our merchants through sales channels, whether they be web, mobile call center or another platform specific to our customers. As the payment gateway, we then reach out for authorization on the form of payment used, waiting for communication back from the acquiring bank that this is a verified purchase. We then take the data that is delivered along with the payment information, which is the merchant’s customer’s information, and course that through our advanced fraud screening that also includes running it through a unique configuration of profiles and rules. These rules and profiles can be built with more specifications depending on what is being sent by the merchant. Additional information ranging from order source to address type for delivery address allows us to build a stronger strategy to help manage the merchant’s fraud. As the data flows through our gateway and our fraud management tool, it is then led to a decision which it transfers over to the