Question

CE10-1. Create a process diagram for the inter-enterprise process that exists to process debit card payments at a grocery store. Create separate swimlanes for the customer, the store, and the customer’s bank. Make necessary assumptions and state them. Include sufficient detail so that your process includes the processing of a PIN.

I will thumbs up for answers that makes sense and are complete. Be through in explaining please.

Answer 1

Inter-organizational process refers to the activities that occur in two or more independent organizations. The following are assumptions about a transaction with a debit card:

• It is assumed that the banking system is fully developed.

• Processing time is instant.

• Process of debit card payment is trusted.

• No processing fee is charged to customer.

The diagram above shows how the debit card payment process is accomplished in the banking system. The customer visits the nearby store to make a purchase. A well-developed banking system facilitates easy payment to make the transaction. The customer presents the debit card when making the payment. The seller swipes the debit card in the machine and the request for authorization of the debit card goes to the server of the bank (Issuing Bank). The bank's server verifies the details of the cardholder and responds to the inquiry with the appropriate data.

The availability of cash in the concerned account is verified. Further, the customer's account is debited and the seller's account is credited.