pres5电子支付功能的最大化.ppt

1、Presented by:Karen Brewster Manager of Lockbox ControlDaimlerChrysler Services Priscilla Capes Chief Operating OfficerFort Knox National Company,ePayment Definitions,AllotmentPayroll deduction from customers who are in the military Auto Debit Recurring ACH that is day/date generated - monthly, biwee

2、kly, orweekly ACH EBPP Electronic bill presentment credit entries allowed only if correction of previous debit,Internet Payments,Online banking Bill payment services Billers website Electronic Bill Presentment and Payment (EBPP),Internet Generated Payment Trend Percent of Portfolio - 2002,Customer S

3、ervice Challenges,Customer calls biller with problems on payments originated with other services Misapplied payments Payment posting date Customer generates on-line, but payment can be either ACH or paper Payments now come in a multitude of streams see next slide for a visual!,CF Website,MB Website,

4、Bill Payment Services,Bank Bill Pay Services,EBPP,DCS Mainframe,RPPS,CF/MB Lockbox,Company 1 Company 2 Company 3 Company 4,Bank A Bank B Bank C Bank D,ACH,ACH,ACH,ACH,ACH,ACH,Paper Checks,Paper Checks,Paper Checks,Internet Initiated Payments,Consumer Online Bill Payment Options,Bill Payment Consolid

5、ators,ACH,Internet Site Criteria,Internet Payments,Rules Online banking, Bill Payment Services, and EBPP may or may not be governed by NACHA rules Billers website NACHA Rules Consumer authorization must be obtained via Internet for transaction to be considered “WEB” Authorization must conform to req

6、uirements of ACH Operating Rules Written and signed or similarly authenticated Electronic authorization must be able to be displayed on computer screen or other visual display so that consumer can read it (Article 2 Section 2.1.2),Unique Requirements for Web,Originator is obligated to ensure that tr

7、ansactions have been handled in a “commercially reasonable” manner Fraudulent transaction detection system Secure Internet Session 128 bit SSL encryption in place prior to entry of banking information Verification of bank RTN Website Security Audit,WEB Audit Requirements,Originator that initiates WE

8、B entries must audit annually for: Physical security to protect against theft, tampering, or damage Personnel and access controls to protect against unauthorized access and use Network security to ensure secure capture, storage, and distribution (Article 2 Section 2.10),All ePayment Types,Authorizat

9、ion gives an Originator permission to debit or credit a consumer account Authentication procedures to verify the identity of the consumer to the Originator (like a signature) Note: It is possible to have authentication without authorization, but you cannot have authorization without authentication.,

10、Authorization Methods,Retain proof of consumers authorization to protect Originator should a dispute arise over the debit, amount, or date When electronic authorization is used, must contain something that uniquely identifies consumer PIN, other code, shared secret, digital signature Be readily iden

11、tifiable as an ACH debit Authorization Clearly and conspicuously state its terms Provide method for revoking authorization on recurring debits only,Authentication Methods,Method for Originator to be reasonably assured that consumer is who says he/she is Existing relationship PIN, password, shared se

12、cret No relationship (spontaneous Internet purchase) Public Key Infrastructure (PKI) Use database information telephone number, address, purchase history Biometrics,ePayment Customer Profile,Payments received are from customers with lower than average delinquency Only allow customers with 3 or fewer

13、 NSFs to make Web/Telephone payments Internet NSF percentage averages less than total return NSF percentage on entire portfolio,ePayment Benefits for Biller,Cost savings Decrease payment processing fees (reduce processing cost up to 75%) No encoding errors on ACH transactions Timely returned items,

14、ability to resubmit faster Timing ACH debits to customer pay period reduces returns and improves collections Potential source of fee revenue Improved payment posting accuracy 100% accuracy with biller-direct WEB and TEL,ePayment Benefits for Biller Additional Benefits from Outsourcing,Cost savings H

15、ardware / Software Add capabilities with no alteration of internal processes Allows customer to pay via the channel they are comfortable with Lower IT resources required NACHA rules and audit requirements Collector and Customer Service time savings,ePayment Benefits for Consumer,Convenience 24 x 7 availability Saves on checks and stamps Timing ACH debits to customer pay period improves credit history and encourages budgeting Internet/Telephone allow for last minute avoidance of late charges Internet/Telephone