State of Florida Credit Card/Electronic Payment 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, ) 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 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: 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: 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.

Slide 16 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 Floridas 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 States 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