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					Online Payments -
VicRoads Experience



     John Ford - Sept 2000
Agenda

Business & Technical Requirements
Approach
Solution
Development & Implementation
 Experience & Issues
Questions
Business Requirements

Receive Online payments from customers
Methods
  Credit card
  Direct Debit
Customers
  General Public
  Registered Users (Eg Car dealers)
Business Requirements

 Estimated Volumes (000’s per
year)Payment Year 1 Year 2  Year 3 &
     Method                   beyond


   Credit Card    350   675      805



   Direct Debit    82   148      170
Business Requirements

Reporting & Reconciliation issues - End
 User & VicRoads
Integration with VicRoads Cash Collection
 System (G/L)
Security & audit
Response times
GST implications
Future
  IVR, Call Centre interface, EFPOS
Technical Requirements

Integrate with VicRoads ESD Architecture
  VicRoads ESD applications control the screen
   interface
Technical Requirements

Integrate with VicRoads ESD Architecture
Java development environment
Technical Requirements

Integrate with VicRoads ESD Architecture
Java development environment
Component based
Technical Requirements

Integrate with VicRoads ESD Architecture
Java development environment
Component based
Intelligent (API) based connectors
Approach

Talked with many players
  Westpac
  Credit card providers - Westpac accredited &
   Non Westpac accredited
  VicRoads Finance Dept
  Other organisations
Approach

Conclusion
  No one supplier does “it” all
  Multiple products/services required from:
    Westpac
    Third parties
Solution

Direct Debit
  Westpac Deskbank facility
Credit Card Processing
  Proposals from three Westpac accredited
   providers
    eSec, Camtech, Telstra
  Selected eSec
    Similar functionality
    Lowest price
 eSec Credit Card Payment
 Solution
                             Encrypted Payment
                               authorisation
                                request and
                                  response
                                             Private AS2805
                                             secure network


End User

                                      Credit
                                       Card
                                     Processor

                                      eSec          Westpac bank
           Application Web
               Server
Overall Payment Solution
                          1. ESD                                                           Backend
                         Application                                                      Application

                                                                                                Create
               Payment               Status                                                     Demand
               Request               Receipt No.

                          2. ESD
3. ESD                    Payment                                            5. CPM         CPM
Directory   Account                                                         Payments       Demands
                          Services
            Details
                                                         5. ESD                                    Updated
                                                        Payments                                   Documents
                Request              Authorisation

                      4. Credit Card                                              7. CPM End of
                        Processing                   6. Direct Debit              Day Processing
                          System                       End of Day
                                                       Processing
                                     Authorisation
                                                                Acknowledgment
               Request
                                                   Deposit


                                        Westpac                                        Report
Payment Services
 Payment Services provide a centralised handling of
 payment, receipting and distribution of these
 payments to the backend applications and banking
 systems.

  Functions provided:
   Payment Account Information Maintenance
   Shopping Basket
   Payment Transaction Processing
   Payment Batch Processing
   Online Payment Authorisation
Payment Services
 Facilities provided:
  Credit card and direct debit payments
  All payments are processed by CPM - batch process at
   end of the day
Payment Services
 Facilities provided:
  Credit card and direct debit payments
  All payments are processed by CPM - batch process at
   end of the day
  View payments file
Payment Services

 Facilities provided:
  Credit card and direct debit payments
  All payments are processed by CPM - batch process at
   end of the day
  View payment file
  View payments status - errors
Payment Services

 Functions provided:
  Credit card and direct debit payments
  All payments are processed by CPM - batch process at
   end of the day
  View payment file
  View payments status - errors
  Tax Invoices
Payment Services

 Functions provided:
  Credit card and direct debit payments
  All payments are processed by CPM - batch process at
   end of the day
  View payment file
  View payments status - errors
  Tax Invoices
  Payments archived to CD-ROM each month
Experience/Issues

Direct Debit
  File produced and mailed to Finance each
   night, extracted and sent to Westpac
Improvements
  more automation, multiple steps - possible
   points of failure
  online processing
Experience/Issues

Credit Card Processing
  Standard SSL/CGI connection not adequate
  More work than planned to manage
    secure connection
    duplicate payments
    non response, timeouts
    Meaningful result codes
  Response times: 5 - 20 seconds
    Provide for synchronous and asynchronous
     payments
Experience/Issues

Improvements
  Intelligent API connection (ie software) -
   security, acknowledgment, error codes, etc.
  Reduced pricing
Summary

Payments look easy but they are not
VicRoads solution not ideal but will work
Limited by what Westpac presently can
 provide & allow
Future possibly connect directly to Westpac
More “Online” reduces reconciliation issues
 and possibly errors
Design for “What can go wrong”
ESD@VicRoads


Questions & Discussion?
ESD@VicRoads




   Electronic Service Delivery
   Strategy

				
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