1. Payment Gateways for e-Government Services
WB VC
Payment Gateways for e-Government Services
Arvo Ott, PhD,
e-Governance Academy

2. Infopolitical decisions:
Public information and eGov services should be available free of charge (Basic Principles of Estonian ICT Policy, Public Information Act, basics of interoperability framework etc.)
Wide public private partnership in the field of ICT architecture
Single ID-cards and internet banks based authentication mechanisms
Certification services are bought from private sector (CA-s are active developers and advertisers of e-services)

3. Databases / information systems Banks
Ühispank
Hansapank
Krediidipank
Sampo Pank
Nordea Pank
Population Register
Health Insurance
Register
Insurance Register
National Pension
Vehicle Register
Eesti Energia IS
Tallinna Vesi IS 5
Security
server
Security
server
Security
server
Security
server
Security
server
Security
server
Security
server
57 DB
Internet X-road
Security
server
Popul. ~1,3 mil.
ID – card
Security
server
:: … ::
Central server I
Central
monitoring
104 DB
:: E-institution – institution view ::
National Databases
Register
:: E-county – county view ::
359 org.
:: Governmental Portal – Your Estonia ::
Institutional view of the state Thematic view of the state
Central server II
HelpDesk
KIT
Citizen view
EIT
Enterpriser view
AIT
Public servant view
X-road certification center
Tools centrally developed by the State,
i.e. the State Portal
X-road center
Certification
Center

4. Summary: Most eGov services are free of charge.
If the payment is needed (for example some services of Business register), all banks with their Internet bank gateways are integrated to the eGov architecture.
Multiple user authentication mechanisms are in use both for internet bank and also eGov services (ID-cards, PIN calculators, m-ID, code tables)
Banks are offering authentication services free of charge in eGov environment
You can pay by mobile phone for some services (or example license for fishing)

5. Answers to the questions:
Payment gateways are owned by the banks
Same gateways are used for private and public sector services
Internet bank payment mechanisms are used - m-payment can be used for some services
All payments can be made on-line
Private CA services are used (joint venture between banks and telecoms)

6. Thank you for your attention!
Arvo Ott, PhD
Member of Management Board
eGovernance Academy