State of Florida Credit Card/Electronic Payment Project Status.
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Transcript of State of Florida Credit Card/Electronic Payment Project Status.
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State of Florida State of Florida Credit Card/Electronic PaymentCredit Card/Electronic Payment
Project Status Project Status
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Slide 2
AgendaAgenda
• 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
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Slide 3
State of Florida Profiles ReceivedState 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
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Slide 4
Point of Sale TerminalsPoint 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
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Slide 5
POS Terminal FeaturesPOS 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
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Slide 6
What is Merchant Services Online?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
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Slide 7
What Data Elements are available?Available additions for Phase II (Target Date of February 2002)
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
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Slide 8
What Reporting is Provided?Available additions for Phase II 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
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Slide 9
What is eStores Settle Up?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
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Slide 10
How does it work?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
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Slide 11
How does it all happen?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
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Slide 12
The eStores ManagerThe 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
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Slide 13
CIP Alternative: eSTORES Solutions Settle-UpCIP 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/developersguide
http://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.
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Slide 14
CYBERCASHCYBERCASH
• 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.
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Slide 15
CYBERCASHCYBERCASH
• 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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Slide 16
Other Non-Bank of America ProductsOther 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.
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Slide 17
CIP: Customer Initiated PaymentsCIP: 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
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CIP: Customer Initiated PaymentsCIP: 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
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Slide 19
CIP: Mode 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
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Slide 20
CIP: ModeCIP: 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
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Slide 21
CIP: ModeCIP: 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
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Slide 22
How do I Determine the Mode?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
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Slide 23
How do I Determine the Mode?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
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Slide 24
CIP Client BenefitsCIP 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
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Slide 25
CIP Client BenefitsCIP 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
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Slide 26
CIP Client BenefitsCIP Client Benefits
• Better manage cash forecasting
• Eliminates the float game
• Improved security vs. legacy connections
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Slide 27
Timetable 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
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Slide 28
TimetableTimetable
• 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