pay day: how to get results from an electronic payment manager
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Pay Day:
How to Get Results from an Electronic
Payment ManagerNASACT 2004 Annual Conference
November 15, 2004Biloxi, Mississippi
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November 15, 2004
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. . . . .
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Enterprise Payment Concept
Still at the Agencies
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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
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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
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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 3rd party vendors and access PaymentEngineTM via APIs
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Applications using
Payment Engine
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What Is Payment Engine
Mississippi.govPortal Domain
MS Application[Boating, H&F,DPS, or BoA]
PaymentEngine
2a
PaymentEngineTransactionDatabase
PaymentExport
Process
3
SAAS Payment Interface
6
Portal Database (DB2) [Includes Charges Table
and copy ofSAAS Fund Distribution] 7
4
5
SAASImport
Process
SAASDatabase(ADABAS)
$
State of MississippiBank Account
PaymentExport File
SAASExport File
DFA/SAAS DomainEzGov PaymentEngine Domain
1
2b
StateFunds
EzGovFTP
DFA/SAASFTP
Paymentech
Payment Processor
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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
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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
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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
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What Applications and When?
October-01 Board of ArchitectureLicense Renewals, Exam Registration, Licensee List
February-02 Wildlife Fisheries and Parks Boat Registrations
March-02 Wildlife Fisheries and Parks Hunting and Fishing Licenses
June-02 Public SafetyLicense Renewals, Reinstatements, Moving Violation Reports
October-02 Secretary of State UCC Filings
September-03 Secretary of State Annual Report Filings
April-04 Secretary of State Land Filings
May-04 Board of Medical Licensure License Renewals
August-04 Transportation Bid Package Acquisition
October-04 Board of Nursing License Renewals
October-04 Public Service Commission Maps
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Payment Tracker
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Agency Settlement Report
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Enterprise Settlement Report
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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• Good option for establishing recurring debit transactions for
applications
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18November 15, 2004
For More Information:
Cille LitchfieldChief Systems Information Officer
Department of Finance and Administration
(601) 359-1433
Christie AckerAccount Executive
EzGov, Inc.(404) 836-7962