Payment Card Industry (PCI) Card Production and Provisioning
State of Florida Credit Card/Electronic Payment Project Status
description
Transcript of State of Florida Credit Card/Electronic Payment Project Status
State of Florida State of Florida Credit Card/Electronic PaymentCredit Card/Electronic Payment
Project Status Project Status
Slide 2
Agenda
• Meeting Objectives• POS - Capability and Reporting• eStores Connection• What is Customer Initiated Payments (CIP)?• CIP Modes• How do I Determine the Appropriate Mode?• CIP Benefits• Target Dates and Delivery Schedule
Slide 3
State of Florida Profiles Received
• State Agencies currently on NOVUS: 7• Received Profiles: 5
• Universities on NOVUS: 4• Received Profiles: 2
• POS Locations 200• Internet Locations: 34
Slide 4
Point of Sale Terminals
• Bank of America recommends Hypercom T7P with integrated printer
• Pin Pads are available for DEBIT processing• Conversion available immediately• Implementation and training within 3 weeks of receipt
of completed Information Profile• Transaction Detail Reporting is available on
Merchant Services Online
Slide 5
POS Terminal Features
• All Major Card Types are available• DEBIT card acceptance• Prompting and printing of invoice number on Point of
Sale receipt• Auto Close Available• AVS prompting for card not present transactions
Slide 6
What is Merchant Services Online?
• Online reports for transactions processed by BA Merchant Services
• Web interface will allow the merchant to filter reports by date, create download files, and selected destination formats (HTML, Email)
• Files in Word, Excel, and Portable Document Format
Slide 7
What Data Elements are available?Available additions for Phase II (Target Date of February 2002)
• Truncated Card Number• Cash Back Amount• Transaction Type• AVS Results Code• Transaction Date• Authorization Code• Batch Number• Invoice Number• Interchange Qualification
• Original Authorization Amount
• Transaction Entry Method• Currency Code• Transaction Time• Transaction ID• Terminal ID• Transaction Amount
Slide 8
What Reporting is Provided?Available additions for Phase II
• Inquiries by batch number, merchant number, terminal id, card number and date.
• Reports contain settled transactions• Reports contain authorized transactions• Data is maintained in history for 13 rolling months• Hierarchy level reporting available• Chargebacks• Purchase Card Reporting
Slide 9
What is eStores Settle Up?
• A solution to secure real-time Internet transactions• A solution to link an on-line order system to payment
processing• Internet solution to replace CyberCash• Gateway to run in tandem during CIP Integration• Offers secure transmission of encrypted data via
protocols such as SSL
Slide 10
How does it work?
• Use your web site to collect the order information• Use Settle Up form specifications (API) to send
payment information to eStores• eStores authorizes the transaction• eStores sends an accept or decline response to
back to your web site• Use your web site to complete transaction with the
consumer
Slide 11
How does it all happen?
• It starts with the merchant using a PC running Windows 95 or better, IE 5.0 or better and Internet access
• Merchant logs in to the eStores Manager web site
• Merchant uses the tools provided to configure all the options
• Bank of America provides 24 x 7 support to assist merchants with any of the steps
Slide 12
The eStores Manager
• Use the eStores Manager to:• Do everything to configure your eStore• Do everything to update your eStore• Process invoices and returns• Search for orders• Print order reports by a variety of search criteria• Generate settlement reports, and a variety of other
sales reports• Generate an email list report for permission marketing
Slide 13
CIP Alternative: eSTORES Solutions Settle-Up
• Configure their payment pages and systems according to the specifications provided by Bank of America
• Specification can be located at: http://www.estoressolutions.com/developersguidehttp://www.estoressolutions.com/Rennie/settle_up_reports.htm
• e-Stores identification number will be provided to the locations. Locations will then enter e-Store back office to enter configuration information.
• Next Day Funding (as outlined in RFP response).• Cost applicable as outlined in the RFP response.
Slide 14
CYBERCASH
• Each Site would register for a new CCID at:https://register.cybercash.com/vital
• CyberCash Id must match the Merchant DBA on our merchant information record
• A new Merchant Key along with the CCID will be forward to each location
• The location will update CCID and Merchant Key in their CyberCash configuration file.
Slide 15
CYBERCASH
• Update time is minimal: 10 to 30 minutes.• Two (2) day funding• Additional Cost: Other Card transaction cost
are $.15 per transaction. Card types include American Express, Discover, Diners, Carte Blanche and JCB.
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Other Non-Bank of America Products
• Establish relationship with the vendor.• Vendor must be certified by VirtualNet platform i.e.;
Verisign, AuthorizeNet• Cost associated with vender will be paid by State.• Bank of America will provide “Stage Only” Programming
Profile for activation by State or Vendor.• Two (2) day funding• Additional Cost: Other Card transaction cost are $.15 per
transaction. Card types include American Express, Discover, Diners, Carte Blanche and JCB.
Slide 17
CIP: Customer Initiated Payments
• CIPs are non-recurring customer originated payments generated from either touchtone phone, voice, or web-form input using pre-formatted templates. (non-reoccurring payments are defined as any payment beyond a monthly cycle)
• CIP payment vehicles include credit card and ACH debit
Slide 18
CIP: Customer Initiated Payments
• Presentation layer– Web payment templates– Touch-tone/voice– Transaction and remittance information reporting
• Payment engine– Payment gateway
• Card Transaction• ACH debit
– Direct connection to eStores
Slide 19
CIP: Mode
• Gateway Mode– State of Florida web payment template used– transaction connection through Payment Gateway or direct
connection to e-Stores– reconciliation capabilities
• reassociation to original remittance data• data addition from expansion tables
• Reporting capabilities– Desktop Reporting– Comma-separated value (CSV) file CIP (online) and data
transmission
Slide 20
CIP: Mode
• Partial Host Mode– State of Florida web payment template used– Basic payment data gathered through CIP web templates– Transaction connection through Payment Gateway– Reconciliation capabilities
• reassociation to original remittance data• data addition from expansion tables
• Reporting– Desktop reporting– CSV via CIP and data transmission
Slide 21
CIP: Mode
• Full Host Mode– CIP web payment template used– Transaction connection through Payment Gateway– Reconciliation capabilities
• reassociation to original remittance data• data addition from expansion tables
• Reporting– Desktop reporting– CSV via CIP and data transmission
Slide 22
How do I Determine the Mode?
• Gateway Mode– Existing payment templates– Additional reconciliation support needed– Transaction processing is the primary requirement
• Partial Host Mode– Existing payment templates for supportive remittance
data or user information– CIP payment template needed for basic payment data– Additional reconciliation support needed
Slide 23
How do I Determine the Mode?
• Full Host Mode– No existing web payment templates– Existing web payment template insufficient to support
agency needs– Resident expertise not available to support and
maintain proprietary web templates
Slide 24
CIP Client Benefits
• Streamline the State of Florida’s client payment delivery channels– Voice/Touch-tone and web access– ACH and card payments
• Easy web template design and integration• Flexible payment template options• Consistent payment processing and
reconciliation across agencies
Slide 25
CIP Client Benefits
• Opportunity to improve the reconciliation process
– adds remittance data not provided by merchant card processes
– provides remittance data reassociated with payment data in an electronic format
– can add data from expansion tables
• Supports the State’s electronic objectives– reduce in-person lines at agencies– reduce paper processing
Slide 26
CIP Client Benefits
• Better manage cash forecasting• Eliminates the float game• Improved security vs. legacy connections
Slide 27
Timetable
• POS (dependent upon contract execution)
– 11/16 - POS terminal conversion to BAMS• eStores
(dependent upon contract execution and API completion)
– 11/16 - conversion of existing web payment processing from NOVUS to eStores
– 12/1 - conversion of existing web payment processing from other processors to eStores
Slide 28
Timetable
• CIP– 10/22 - CIP demo and script available– 11/01 Technical implementation guide– 11/05 - in-person demo and reconciliation discussion– 11/09 - SOF identifies and defines pilot– 11/09 - SOF provides information required for
template design for the pilot– 12/19 - CIP system available– 1/31 - CIP pilot begin live processing