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Pay Day: How to Get Results from an Electronic Payment Manager

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  • 1. NASACT 2004 Annual Conference November 15, 2004 Biloxi, Mississippi Pay Day: How to Get Results from an Electronic Payment Manager
  • 2. Mississippi History
    • Initiation of Mississippi.gov 2001
      • Enterprise portal for the State
      • Enterprise payment processor
        • Key component of infrastructure
        • Flexibility required
        • Integration with SAAS required
        • Concept was true “plug-and-play”
        • Here’s what we had in mind. . . . .
  • 3. Enterprise Payment Concept Still at the Agencies
  • 4. Electronic Payment Processing
    • What are electronic payments?
      • The processing of payments through electronic means
    • What is Enterprise Payment Processing?
      • Enables agencies to accept and process multiple payment types for different entities across the entire organization
    • Why is it important?
      • Enables governments to achieve and leverage economies of scale and scope
      • Enables governments to streamline financial activities
      • Enables governments to centralize control of the process to improve maintainability and support
  • 5. Practical Considerations
    • Solution should allow a choice of banks and payment service providers
    • Solution should support multiple payment methods, including ACH and e-checks to give more options to citizens, thereby increasing usage
    • Passing convenience fees or other charges along to users suppresses usage levels
    • Solution should help streamline financial reconciliation through tight integration with your existing financial system
    • Solution should provide strong Enterprise and agency-level reporting
    • Solution should provide flexible integration with client applications (Web Services/SOAP, Java, COM) to support the technologies in place at various agencies
  • 6. Technical Lessons Written in Java for platform independence All ANSI SQL databases supported (Oracle, MS SQL Server, DB/2, etc.) Uses high bandwidth, high speed connections to PSP and/or banking network Applications can be hosted in same facility or remotely Easy integration to back office systems Applications can be developed by 3 rd party vendors and access PaymentEngine TM via APIs
  • 7. Applications using Payment Engine
  • 8. What Is Payment Engine
  • 9. What Is Payment Engine
    • Real time payment authorizations (today’s implementation)
      • Visa and MasterCard credit and debit cards
      • E-check
      • Automatic payment settlement/deposit with State’s designated bank
      • Integration with SAAS (SPI)
      • Voids
      • Refunds
      • Automated return/chargeback processing
      • Current Mississippi Implementation
      • Financial reporting
      • Payment tracking/audit trail with unique confirmation numbers
      • Secure hosted service
  • 10. What Is Payment Engine
    • PE daily extract feeds settled data to the SAAS Payment Interface (SPI)
    • SPI generates “CC” documents
      • Specialized SAAS cash receipt documents
      • Gross settlement amount posted
      • Remain on SUSF until funds hit Treasury’s bank account
    • Net settlement
      • ACH transfer
      • Deposited to Treasury’s bank account
    • Processing fees
      • Recorded as an expense to Paymentech
      • EzGov fees billed monthly
    • Unbudgeted/unappropriated DFA fund
      • Collects convenience fee deposits
      • Records expenses of transaction processing costs
    • Reports
      • SAAS Activity Report
      • Enterprise Settlement Report
      • Agency Settlement Report
  • 11. What Is the “SPI”
    • SPI – SAAS Payment Interface
    • Defines Payment Allocations
      • Agency transaction
        • Flat amounts and percentages
        • Full accounting line distribution
      • Agency handling fees
      • Convenience fees (to DFA fund)
      • Paymentech expense (to DFA fund)
      • Effective dated
    • Imports payment extract (settlement) file from EzGov
    • Exports transactions to SAAS with appropriate distributions
    • Works so well we plan to piggyback other settlement processes
  • 12.  
  • 13. What Applications and When? Maps Public Service Commission October-04 License Renewals Board of Nursing October-04 Bid Package Acquisition Transportation August-04 License Renewals Board of Medical Licensure May-04 Land Filings Secretary of State April-04 Annual Report Filings Secretary of State September-03 UCC Filings Secretary of State October-02 License Renewals, Reinstatements, Moving Violation Reports Public Safety June-02 Hunting and Fishing Licenses Wildlife Fisheries and Parks March-02 Boat Registrations Wildlife Fisheries and Parks February-02 License Renewals, Exam Registration, Licensee List Board of Architecture October-01
  • 14. Payment Tracker
  • 15. Agency Settlement Report
  • 16. Enterprise Settlement Report
  • 17. What’s Next
    • Payment Manager Migration
    • Web-services front end
      • APO/FPO address options
      • Additional testing facilities with EzGov
      • Reporting Database
        • Activity Report
        • Deposit Report
        • Ad hoc reporting
      • Partial refunds
      • International currency handling
      • American Express payment option
      • Discover Card payment option
      • ACH debit transactions
        • Similar to e-check but with fewer validations done at the front end
        • G ood option for establishing recurring debit transactions for applications   
  • 18. For More Information: Cille Litchfield Chief Systems Information Officer Department of Finance and Administration (601) 359-1433 [email_address] Christie Acker Account Executive EzGov, Inc. (404) 836-7962 [email_address]