Another important OmniCommerce use case is “Buy online, pick-up in store.” This approach combines an existing inventory management system and eCommerce payment platform and provides the added convenience of satisfying a customer’s immediate shipment need by identifying the appropriate location to pick-up goods from.
The introduction of Vantiv Token Services helps developers prevent cardholder data from entering their application servers, while also capturing/settling for funds without requiring the customer to reproduce a credit card when picking up the goods that they have chosen to have fulfilled from a local retail outlet.
Vantiv's format preserving token is all about enabling the merchant by providing a surrogate value for the Primary Account Number (PAN) that minimally impacts developers and supports business needs for items like analytics and reporting. The fact that the tokenization solution preserves card data format is an important consideration because it minimizes necessary code changes and impact on existing systems.
When a card is presented for payment, Vantiv’s Token Services will interrogate the card value presented from any merchant channel, and deliver back a token that provides the same number of characters based on card type. On top of the format preserving characteristics, Vantiv provides variation in token types to preserve key features associated with the original card data within the token itself. This gives developers the same look and feel from a data perspective, while providing a surrogate value that reduces PCI scope.
An example showing how the buy online, pick-up in the store use case might be implemented is shown below:
- Customer identifies Pants and Shirt available for ship purchase. Total $150
- Customer identifies a Jacket available for in-store pickup. Total $100
- Customer places all merchandise in his or her web shopping cart. Total $250
- The eCommerce platform builds a customer checkout page, identifying a ship total of $150 and an in-store pickup total of $100
- Customer provides Mobile / eCommerce platform with his or her personal and Credit Card information for the purchase – Total $250
- Following the customer submitting the order, the Mobile / eCommerce platform passes (via a client-side embedded iFrame or JS) Card Holder Data (CHD) to Vantiv eProtect (PayPage)
- Vantiv eProtect ingests the CHD and generates a Low Value Token (LVT) in the Vantiv Token Vault, returning the LVT to the Mobile / eCommerce platform
- The Mobile / eCommerce platform presents the order confirmation screen to the customer and immediately consumes (server side) the LVT into the order detail
- The customer reviews and accepts the order; using the LVT Mobile / eCommerce platform (server side) and calls Vantiv Payment service for the $250 Authorization
- Vantiv responds to the Mobile / eCommerce platform with an Authorization Response and OmniToken