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
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. . . . .
November 15, 2004
3
Enterprise Payment Concept
Still at the Agencies
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4
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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5
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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6
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
November 15, 2004
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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
November 15, 2004
9
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
November 15, 2004
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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
November 15, 2004
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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
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