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Real Merchant Feedback!

Quiz

1. How many API calls are required for Looking up the Name and Caller Type?

One! /...?Type=caller-name

ABBA's Money, Money, Money

2. What are the use cases we went over today where Twilio can help?

Login, Checkout, and Customer Serv / Experience

3. What are some additional use cases you see where Twilio can help?

(could this be Steven next? :)

Many more!

=

Now What?

Use Cases

1. Login

2. Checkout

3. Customer Service

13 financial companies with public case studies - explore and see what they've built!

Questions?

"Let's go power the disruptors!"

Twilio improves!

1. Login - CX with frictionless authentication

2. Checkout - reduce fraud w/ 2FA

3. Customer Service - effective omnichannel communication anywhere

Ready to Build?

Source: https://www.enr.com/blogs/18-crossing-that-bridge-when-we-come-to-it/post/47740-vistiting-ikea-in-sweden

SOURCE: https://customers.twilio.com/?q=industry_categories&c=AAQAAA%3D%3D

Contact Information

Steven: sperez@twilio.com | (213) 777-2323

SE: Geoff.Shin@twilio.com | (415) 941-9906

Sources:

  • https://www.twilio.com
  • http://www.toms.com
  • http://www.adyen.com
  • https://youtube.com ABBA Money money money
  • http://nice-cool-pics.com/data/media/22/blue_binary_code_jigsaw_puzzle.jpg

Technical Wonderland

Why

?

TOMS.com Shopping Flow

[Login]

Login

Passive Authentication

Easy, Proven, Secure, and direct Results!

  • Easy and super smoooth (yup so smooth there's 3 o's) integration empowering & enabling your business & developers

  • PCI DSS Compliant - Level 1

  • "Reach every customer, anywhere" in more than 100 countries on a single scalable platform see results right away

Active Authentication

Klarna Payment API Pseudo Code

Checkout

Lookup Carrier/Device Type cURL w/ JSON Example

curl -X GET 'https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=carrier' \

-u ACXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX:your_auth_token

JSON API Response

{

"caller_name": null,

"carrier": {

"error_code": null,

"mobile_country_code": "310",

"mobile_network_code": "456",

"name": "verizon",

"type": "mobile"

},

"country_code": "US",

"national_format": "(510) 867-5310",

"phone_number": "+15108675310",

"add_ons": null,

"url": "https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=carrier"

}

Lookup Caller Name cURL w/ JSON Example

curl -X GET 'https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=caller-name' \

-u ACXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX:your_auth_token

JSON API Response

{

"caller_name": {

"caller_name": "Delicious Cheese Cake",

"caller_type": "CONSUMER",

"error_code": null

},

"carrier": null,

"country_code": "US",

"national_format": "(510) 867-5310",

"phone_number": "+15108675310",

"add_ons": null,

"url": "https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=caller-name"

}

Create diverse communication workflows easily

Support

SOURCE: https://www.twilio.com/enterprise

(e.g. IVRs, msg bots, agent routing, SMS payment reminders, and lots more!)

1. Merchant (TOMs): "CREATE A NEW CREDIT SESSION" API (@Server)

  • POST /payments/v1/sessions
  • Send shopping cart details, country, currency, and locale

a. Returns JSON response including:

  • client_token - passed to client (JS)
  • payment_method_categories - available Klarna payment categories (e.g. pay_over_time)
  • session_id

(See https://developers.klarna.com/api/#payments-api-create-a-new-credit-session)

2. Merchant (TOMs): Load Klarna Widget in checkout using client_token for buyer (@Client)

  • This is where you will provide the Client Token and payment methods to the buyer using client_token and payment_method_categories from CREATE SESSION (see 1.a.)

a. Twilio - Call Lookup API: pass phone number (flag / step up device type: VOIP)

b. Twilio Authy - Customer authenticates using mobile One-Time Password aka OTP (supports both JSON & XML)

1. Create Authy User: pass user's email and/or cell phone number (Returns user's AUTHY_ID)

2. Send an SMS with OTP: pass user's AUTHY_ID

(Note: If the user has the Authy App, by default, the API will not send the 2FA code via SMS or voice. Instead, a push notification will go to the device, prompting the user to start their app to get the code. You can override this behavior.)

3. Verify the Token: pass user's input "TOKEN" with AUTHY_ID (Returns true if TOKEN matches else false)

(See https://www.twilio.com/docs/lookup/tutorials/carrier-and-caller-name#identify-a-phone-numbers-carrier-and-type

& https://www.twilio.com/docs/authy)

c. Customer: Confirms Purchase

3. Merchant (TOMs): "READ AN EXISTING CREDIT SESSION" API details using session_id for authorization_token (@Server)

  • GET /payments/v1/sessions/{session_id}

(See https://developers.klarna.com/api/#payments-api-read-an-existing-credit-session)

4. Merchant (TOMs): "CREATE A NEW ORDER" API using the authorization_token in the URI (@Server)

  • POST /payments/v1/authorizations/{authorizationToken}/order

(See https://developers.klarna.com/api/#payments-api-create-a-new-order)

a. store the order_id given in response JSON for future reference like capture or refunds

b. Merchant (TOMs): REDIRECT Customer to confirmation page using redirect_url from response

CREATE ORDER JSON Successful Response

{

"order_id": "3eaeb557-5e30-47f8-b840-b8d987f5945d",

"redirect_url": "https://payments.klarna.com/redirect/...",

"fraud_status": "ACCEPTED",

"authorized_payment_method":"invoice"

}

SOURCE: https://www.azutura.com/en-us/to-the-enchanted-wood-alice-in-wonderland-wallpaper-wall-mural

www.TOMS.com

  • Los Angeles US Philanthropic Shoe Company
  • Customers mainly purchase through the internet
  • Monetize diverse sources: Clients, Countries, and Currencies with Klarna!
  • Key stakeholders? Payments Director, Project Mgr, Engineers, and IT/Networks

US Technical Flows

Some Important Notes:

  • Authentication API credentials include username and password which can be found in the console
  • Start building and playing around for FREE: https://www.twilio.com/try-twilio
  • System history, monitors, and outages are available at https://status.twilio.com/

APPROVED!

4.

Happy Flow Diagram:

Passive Authentication

Technical Resources:

2.a.

1.

Login

Create diverse communication channels anywhere

denied

Steps to Buying with KP + Twilio:

2.b.

Active Authentication

2.

Customer Service

3.

1. Create Session (Server)

2. Load Klarna Widget w/ Client Token from Session (Client)

a. Twilio: Lookup phone number (passive)

b. Twillio: Authy and Confirm Purchase (Client)

c. Authorizes Purchase (Client)

3. Get Session ID details for Authorization ID (Server)

4. Place Order w/ Authorization ID (Server)

Checkout

Client Communication/Support

2.a.

2.b.

https://developers.klarna.com/documentation/klarna-payments/use-cases/offering-payment-methods/

Source: https://epayments.developer-ingenico.com/payment-product/ideal/process-flows

  • Fun & Educational Twilio Game:

https://www.twilio.com/quest

  • Console: https://www.twilio.com/login

  • API References: https://www.twilio.com/docs/

  • SDKs: https://www.twilio.com/docs/libraries

  • Help Center: https://support.twilio.com/hc/en-us

  • Geoff Shin: 415-941-9906 or geoff.shin@twilio.com

A global payments solution platform based out of Sweden - freeing online shoppers and merchants to choose how and when to pay.

The developer's communication platform - an award winning secret sauce infused of

cloud, web services, and telecommunication.

Some US Products include:

  • 4 Installments
  • Pay in 30 days
  • Financing up to 3y

Some Products include:

  • Voice/VOIP
  • SMS/MMS
  • SIP Trunking
  • WebRTC
  • 2FA / MFA
  • Call Centers

Most popular in US in the Pay Later category providing:

  • 45% increase in average order value
  • Customer who choose Klarna shop 20% more often
  • 44% of users abandon purchase without Klarna

SOURCE: https://www.klarna.com/us/business/payment-methods/

SOURCE: https://www.twilio.com/products

SOURCE: https://jungleworks.com/sms-voice-api-twilio-vs-nexmo-plivo-sinch-mobile-app-guide/

Sources: -https://trends.builtwith.com/payment/Klarna

-https://trends.builtwith.com/payment/pay-later/country/United-States

Souce: https://www.ecommercepartners.net/blog/payment-solution-comparison-splitit-klarna-affirm-and-afterpay.html

the PROBLEM

  • WHO?

your BANKING CUSTOMERS who want to pay quick & easy

  • WHAT?

SIMPLIFY CX without jeopardizing security & communication

  • WHERE?

ONLINE banking, shopping, and customer support in the US

  • WHEN?

need to integrate ASAP

  • HOW?

Twilio + Klarna = the best way to pay!

Integration

Project Plan & Critical Questions

  • What are some priorities for you?
  • Key contacts and roles?
  • Any other Business / Technical expectations not discussed already?
  • Any known risks?
  • Target go live date?

Assumptions:

1. Rest API integration

2. using JSON

3. anything else?

Source: http://docs.paytrail.com/images/Paytrail_ConnectAPI.JPG

The Problem?

We have seen fraud

spike and also want to

improve our NPS score!

Democratizing Payments & Communication

Start

© 2020 Geoffrey Shin

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