Global Payment Solutions

This payment process flowchart example was created on the base of the diagram of payment process using Global Payment Processing Services from the U.S. Securities and Exchange Commission website.
"Global Payment Processing Services. CyberSource Advanced enables merchants to accept payments made by all major credit and debit cards including American Express®, Discover®, Diners Club International®, JCB, MasterCard®, and Visa® cards. Our customers can also accept payment by corporate procurement cards, electronic checks, PayPal® Express Checkout, and the Bill Me Later® service. Merchants that have business models based on subscriptions can utilize the CyberSource recurring billing service with automated account updating services. For merchants selling internationally, we support direct debit, and bank transfers, as well as regional card brands such as Carte Bleue, Carta Si, Dankort, Laser, Solo, and Visa Electron. We provide these services for online, call center, kiosk, integrated voice response (“IVR”), and IP-enabled point of sale (“POS”) transactions."
[www.sec.gov/ Archives/ edgar/ data/ 934280/ 000119312510042764/ d10k.htm]
The flowchart example "Global Payment Solutions" was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Sales Flowcharts solution from the Marketing area of ConceptDraw Solution Park.

"A payment is the transfer of an item of value from one party (such as a person or company) to another in exchange for the provision of goods, services or both, or to fulfill a legal obligation. ...
Payment methods.
There are two types of payment methods; exchanging and provisioning. Exchanging is to change coin, money and banknote in terms of the price. Provisioning is to transfer money from one account to another. In this method, a third party must be involved. Credit card, debit card, Cheques, money transfers, and recurring cash or ACH (Automated Clearing House) disbursements are all electronic payments methods. Electronic payments technologies are magnetic stripe card, smartcard, contactless card and mobile handset. Mobile handset based payments are called mobile payments." [Payment. Wikipedia]
The UML activity diagram example "Payment process" was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Rapid UML solution from the Software Development area of ConceptDraw Solution Park.

This interactive voice response (IVR) diagram sample illustrates the IVR services.
"IVR systems are typically intended to service high call volumes, reduce cost and improve the customer experience. Examples of typical IVR applications are telephone banking, televoting, and credit card services. ...
Voice-Activated Dialing
... (VAD) IVR systems are used to automate routine enquiries to switchboard or PABX (Private Automatic Branch eXchange) operators, and are used in many hospitals and large businesses to reduce the caller waiting time. ...
Entertainment and information.
Some of the largest installed IVR platforms are used for televoting on television game shows, ... which can generate enormous call spikes. Often, the network provider will have to deploy call gapping in the PSTN to prevent network overload. ...
Anonymous access.
IVR systems allow callers to obtain data relatively anonymously. Hospitals and clinics have used IVR systems to allow callers to receive anonymous access to test results. ...
Clinical trials.
IVR systems are used by pharmaceutical companies and contract research organizations to conduct clinical trials and manage the large volumes of data generated. ... Applications include patient randomization and drug supply management. ...
Outbound calling.
IVR systems can be used for outbound calls, as IVR systems are more intelligent than many predictive dialer systems, and can use Call Progress Detection to recognize different line conditions...
Other common IVR services include:
Mobile - Pay-As-You-Go account funding; registration; mobile purchases, such as ring tones and logos;
Banking - balance, payments, transfers, transaction history;
Retail & Entertainment - orders, bookings, credit & debit card payments;
Utilities - meter readings; account look-up, history and balance, payment, consumption history;
Travel — ticket booking, flight information, check-in;
Weather forecasts, water, road and ice conditions" [Interactive voice response. Wikipedia]
The IVR diagram example "IVR services" was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Interactive Voice Response Diagrams solution from the Computer and Networks area of ConceptDraw Solution Park.

"An automated teller machine or automatic teller machine" (ATM) (American, Australian, Singaporean, Indian, and Hiberno-English), also known as an automated banking machine (ABM) (Canadian English), cash machine, cashpoint, cashline or hole in the wall (British, South African, and Sri Lankan English), is an electronic telecommunications device that enables the clients of a financial institution to perform financial transactions without the need for a cashier, human clerk or bank teller.
On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip that contains a unique card number and some security information such as an expiration date or CVVC (CVV). Authentication is provided by the customer entering a personal identification number (PIN). The newest ATM at Royal Bank of Scotland allows customers to withdraw cash up to £100 without a card by inputting a six-digit code requested through their smartphones.
Using an ATM, customers can access their bank accounts in order to make cash withdrawals, get debit card cash advances, and check their account balances as well as purchase pre-paid mobile phone credit. If the currency being withdrawn from the ATM is different from that which the bank account is denominated in (e.g.: Withdrawing Japanese yen from a bank account containing US dollars), the money will be converted at an official wholesale exchange rate. Thus, ATMs often provide one of the best possible official exchange rates for foreign travellers, and are also widely used for this purpose." [Automated teller machine. Wikipedia]
The UML activity diagram example "Cash withdrawal from ATM" was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Rapid UML solution from the Software Development area of ConceptDraw Solution Park.

This IVR diagram example depicts the IVR balance recharge.
"IVR systems are typically intended to service high call volumes, reduce cost and improve the customer experience. Examples of typical IVR applications are telephone banking, televoting, and credit card services. Companies also use IVR services to extend their business hours to 24/ 7 operation. The use of IVR and voice automation allows callers' queries to be resolved without the need for queueing and incurring the cost of a live agent. If callers do not find the information they need or require further assistance, their calls are often transferred to an agent. This makes for a more efficient system in which agents have more time to deal with complex interactions. The agents do not deal with basic inquiries that require yes/ no responses or obtaining customer details. ...
Other common IVR services include:
(1) Mobile — Pay-As-You-Go account funding; registration; mobile purchases, such as ring tones and logos;
(2) Banking — balance, payments, transfers, transaction history;
(3) Retail & Entertainment — orders, bookings, credit & debit card payments;
(4) Utilities — meter readings; account look-up, history and balance, payment, consumption history;
(5) Travel — ticket booking, flight information, check-in;
(6) Weather forecasts, water, road and ice conditions." [Interactive voice response. Wikipedia]
The IVR diagram example "IVR balance recharge" was created using the ConceptDraw PRO diagramming and vector drawing software extended with the Interactive Voice Response Diagrams solution from the Computer and Networks area of ConceptDraw Solution Park.