The document discusses the need for businesses to have tools that increase productivity, speed up processes, provide necessary information to clients, and improve profitability. It then describes a back office software solution that provides features like merchant onboarding, underwriting, fraud monitoring, PCI compliance assistance, and transaction processing to help businesses address these needs. The solution is customizable and aims to help businesses keep up with changing expectations and regulations.

1. in
Back Office Software and Services

2. Over the past 20 years the priorities in your business focus has change
dramatically, portfolio value, merchant retention and sales channel
relationships, (conceding that customer service has always been your
number one priority), continually challenge you to be more creative.
To keep up with the challenging expectations of your clients your
investment in infrastructure and tools becomes more of a necessity than
luxury.

3. Tools that you use should have:
• Increase productivity and free time from repetitive task
• Speed up processes and off set work to its point of origin
• Provide instantly necessary information to support your clients
• Provide information vital to the profitability of your company
• Improve Your Bottom Line

4. With the advent of Generation Y, the way business is run changes rapidly.
Today we are faced with a generation that wants everything quickly and
on-line. They want results immediately or will go somewhere else if they
feel ignored in a short period of time.
Business philosophy has also changed with the applying of various rules
and regulations, governmental and industry driven, that add an extra cost
to the service provided.
Marketing has moved from printed to digital where information is available
immediately.
Fraud is abundant where there is a way to make a quick buck. Tools must
be in place to protect your business that are easy to implement, quick to
change and easy to learn.

5. Solutions have been built on experience based on resolving shortcomings in
workflow and elimination of multiple processing steps.
Every product that we provide is customizable to meet your present
requirements and built upon as new features and functions are necessitated.

6. Back Office System PCI Merchant
Management
Fraud Monitoring
Bank / Referral
Portal
Merchant Portal Transaction
Processing
Services

7. Supports Multiple 5 Unlimited Hierarchical Levels
Interfaces with External Processors, Credit Bureaus and Validity
Checking (Entry and Updating)
Calculates Residuals
Provides External User Access
Provides information on Profitability, Attrition, Processing, Activity
Underwriting based on your guidelines
CRM Ticketing and Alerts
History notation storage
Building Statements is available with appropriate data

8. Know Your Client:
• Credit Bureaus
• Owner and Business Background Checking
Autoscore for instant Pre-Approval
• Guidelines customized to your Underwriting Criteria
Review information Automatically and Manually
• Identify and request missing or additional documentation

9. Mitigate Risk with a system used by processors and acquirers
Import Transaction data from all processors (Multi Currency
supported)
Over 15 Set Flags updateable per merchant (customizable) based
on Daily and Monthly Processing
Monitor Exception Merchants and review those not flagged, great
for Customer Service Support
Review Chargebacks and Retrievals as presented
Quick View of Merchant Demographics with managerial queue
support
Interfaces with Back Office

10. PCI Merchant Management as a Service or Use our Portal
Scans by a QSV
Initiating of SAQ request from Merchant with follow-up until
completed
Real-Time reporting on status
Easy to Understand Portal for Merchant to review information,
make changes and submit SAQ
On the phone assistance with a live in country person
Review and Download documentation for PCI above those found
on the internet
Interfaces with Back Office or Stand-Alone

11. Remote Entry from Referral Partners (Full or Partial Information)
Auto assigned and notify Agent / Support
Ability to generate a schedule and output to Outlook
Review Status on Merchant with timeline within a department
Generate Reports
User Hierarchy based on Management Levels
Interfaces with Back Office or Stand-Alone

12. PERSONALIZED FOR YOU OR YOUR MECHANTS
Review Individualized Requirements
Develop specific Security Policies and Procedures
Design and Review Network Implementation
Develop the Initial Report on Compliance
Work with Internal Staff and Auditor and scanning service
We make recommendations on equipment and auditors. We do not
obtain any income from our recommendations.

13. Review Transactions in Real-Time or Next Day
Retrieve Statements
Order Equipment or Services On-Line
Download Documentation
If using Transaction Services review and print receipts
Update Demographic information
Request Help

14. Virtual Terminal with access to most major processors (can
develop interfaces as required to those not supported.
Able to apply a surcharge for government transactions.
Hosted Payment Page for interfacing with web sites.
Real Time Transaction Reporting to Agent Portal.
Email Receipts.
Interface to Fraud System available (Real Time).
Be able to participate in Donate at Point of Sale (Donate@POS)

15. Take
Capture Donation Information for reporting.
Share contracted costs with your merchant
Address Civic Responsibility by providing a service that is:
Good for Society
Good for the Merchant
Good for You

16. The team at Lighthouse Software has been developing software for
ISO’s, Acquirers and Processors for over 20 years.
We provide customized systems and services at reasonable costs.
We are interested in your profitability and are more than just a Data
Entry Software Package.
We can assist you in PCI by reviewing your design, making
recommendations and the most cost effective path through the
Audit. We can develop a Policy and Procedure document and
complete the ROC for the Auditor before they show up on site.
We offer a complete service and treat our clients as partners in our
business.

17. We understand Fraud Mitigation and Underwriting.
We understand Processors and their Agreements.
We understand that Automation is not Just Data Entry, we invented
Single Point of Entry to feed multiple processors from a single point.
We know how to build interfaces for importing and exporting of data.
We know that your most important resource is your SALES TEAM.
We believe in Giving Back and have built a Donation System for you
and your merchants to take donations from many nationally known
Nonprofits and which are not based on unknown profits.
We don’t take kickbacks from Auditors or insurance companies. We
work for you and your best interest.

18. Founders and Principals:
Ruth Brent and Howard Falcon.
1993
Built Back Office for Nova (Elavon). Data Entry, Underwriting, Training, Deployment,
Shipping, Customer Service, Fraud Monitoring, Chargeback and Retrieval Processing, Residual
Calculations and Collections.
1996
Built Back Office for PMT. Data Entry, Training, Customer Service, Integrated Fraud
Monitoring, Residuals
1998 - Present
Formed Lighthouse Software Development. Vision is to provide solutions and services to
payment organizations that do not have their own development team at reasonable costs.
Built Back Office and Fraud Monitoring Systems for over 40 ISO’s and Acquirers. ISO clients
have portfolios from 500 merchants to 80,000 merchants. Fraud monitoring system reviews
over 100.000 transactions a day from multiple sources during a day.
Provided pre PCI services to 3 ISO’s to prepare for audits including the development of
Security Policies and Procedures and the PCI ROC Document.

19. Ruth Brent
Ruth, as the Software Development Manager at Nova Information Systems led the development for the Eclipse
Back Office System, totally automating the merchant boarding process from receipt of an application to the
installation of equipment. At PMT Inc. Ruth managed the development resources to provide an automated
Single Point of Entry system used internally as well as by sub offices and partners.
Before entering the credit card processing environment Ruth developed the Phoenix Technologies BIOS for
laptops, co-designed and developed a printer operating system for Delphax, Inc. that printed 30 pages a minute
with a fill page of graphics, unheard of at the time. Ruth was also the manager and lead developer for the Lotus
Development ISV Department, and was responsible for the development of the Printer Drivers for its 123
Spreadsheet and Symphony Product Lines and the support of third party developers.
Howard Falcon
Howard served as the Director of Systems at Nova Information Systems, (Elavon), where he designed the
Eclipse Back Office System, totally automating the Back Office services and support. Howard was also
responsible for integration of portfolios purchased or merged for the company as well as all financial reporting.
As the Sr. Director of Systems at PMT Howard designed and directed the development of a Single Point of Entry
System, (IRIS), which reduced the cost and streamlined the back office operations by integrating external offices
with internal processes.
Before entering the credit card processing environment Howard designed and managed the development of a
printer operating system for Delphax, Inc. Howard was the ISV Manager for Lotus Development and was
responsible for the development and upgrading of the Printer Drivers for its 123 Spreadsheet and Symphony
Product Lines. At Phoenix Technologies Howard formed and managed the Software QA Group which developed
testing procedures that were used internally and were eventually sold to clients as products. Howard also
provided management and technical leadership for Raytheon Data Systems world wide technical support.