pres5电子支付功能的最大化.ppt
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Presentedby:KarenBrewsterManagerofLockboxControlDaimlerChryslerServicesPriscillaCapesChiefOperatingOfficerFortKnoxNationalCompany,ePaymentDefinitions,AllotmentPayrolldeductionfromcustomerswhoareinthemilitaryAutoDebitRecurringACHthatisday/dategenerated-monthly,biweekly,orweeklyACHEBPPElectronicbillpresentmentcreditentriesallowedonlyifcorrectionofpreviousdebit,InternetPayments,OnlinebankingBillpaymentservicesBillerswebsiteElectronicBillPresentmentandPayment(EBPP),InternetGeneratedPaymentTrendPercentofPortfolio-2002,CustomerServiceChallenges,CustomercallsbillerwithproblemsonpaymentsoriginatedwithotherservicesMisappliedpaymentsPaymentpostingdateCustomergenerateson-line,butpaymentcanbeeitherACHorpaperPaymentsnowcomeinamultitudeofstreamsseenextslideforavisual!,CFWebsite,MBWebsite,BillPaymentServices,BankBillPayServices,EBPP,DCSMainframe,RPPS,CF/MBLockbox,Company1Company2Company3Company4,BankABankBBankCBankD,ACH,ACH,ACH,ACH,ACH,ACH,PaperChecks,PaperChecks,PaperChecks,InternetInitiatedPayments,ConsumerOnlineBillPaymentOptions,BillPaymentConsolidators,ACH,InternetSiteCriteria,InternetPayments,RulesOnlinebanking,BillPaymentServices,andEBPPmayormaynotbegovernedbyNACHArulesBillerswebsiteNACHARulesConsumerauthorizationmustbeobtainedviaInternetfortransactiontobeconsidered“WEB”AuthorizationmustconformtorequirementsofACHOperatingRulesWrittenandsignedorsimilarlyauthenticatedElectronicauthorizationmustbeabletobedisplayedoncomputerscreenorothervisualdisplaysothatconsumercanreadit(Article2Section2.1.2),UniqueRequirementsforWeb,Originatorisobligatedtoensurethattransactionshavebeenhandledina“commerciallyreasonable”mannerFraudulenttransactiondetectionsystemSecureInternetSession128bitSSLencryptioninplacepriortoentryofbankinginformationVerificationofbankRTNWebsiteSecurityAudit,WEBAuditRequirements,OriginatorthatinitiatesWEBentriesmustauditannuallyfor:Physicalsecuritytoprotectagainsttheft,tampering,ordamagePersonnelandaccesscontrolstoprotectagainstunauthorizedaccessanduseNetworksecuritytoensuresecurecapture,storage,anddistribution(Article2Section2.10),AllePaymentTypes,AuthorizationgivesanOriginatorpermissiontodebitorcreditaconsumeraccountAuthenticationprocedurestoverifytheidentityoftheconsumertotheOriginator(likeasignature)Note:Itispossibletohaveauthenticationwithoutauthorization,butyoucannothaveauthorizationwithoutauthentication.,AuthorizationMethods,RetainproofofconsumersauthorizationtoprotectOriginatorshouldadisputeariseoverthedebit,amount,ordateWhenelectronicauthorizationisused,mustcontainsomethingthatuniquelyidentifiesconsumerPIN,othercode,sharedsecret,digitalsignatureBereadilyidentifiableasanACHdebitAuthorizationClearlyandconspicuouslystateitstermsProvidemethodforrevokingauthorizationonrecurringdebitsonly,AuthenticationMethods,MethodforOriginatortobereasonablyassuredthatconsumeriswhosayshe/sheisExistingrelationshipPIN,password,sharedsecretNorelationship(spontaneousInternetpurchase)PublicKeyInfrastructure(PKI)Usedatabaseinformationtelephonenumber,address,purchasehistoryBiometrics,ePaymentCustomerProfile,PaymentsreceivedarefromcustomerswithlowerthanaveragedelinquencyOnlyallowcustomerswith3orfewerNSFstomakeWeb/TelephonepaymentsInternetNSFpercentageaverageslessthantotalreturnNSFpercentageonentireportfolio,ePaymentBenefitsforBiller,CostsavingsDecreasepaymentprocessingfees(reduceprocessingcostupto75%)NoencodingerrorsonACHtransactionsTimelyreturneditems,abilitytoresubmitfasterTimingACHdebitstocustomerpayperiodreducesreturnsandimprovescollectionsPotentialsourceoffeerevenueImprovedpaymentpostingaccuracy100%accuracywithbiller-directWEBandTEL,ePaymentBenefitsforBillerAdditionalBenefitsfromOutsourcing,CostsavingsHardware/SoftwareAddcapabilitieswithnoalterationofinternalprocessesAllowscustomertopayviathechanneltheyarecomfortablewithLowerITresourcesrequiredNACHArulesandauditrequirementsCollectorandCustomerServicetimesavings,ePaymentBenefitsforConsumer,Convenience24x7availabilitySavesonchecksandstampsTimingACHdebitstocustomerpayperiodimprovescredithistoryandencouragesbudgetingInternet/TelephoneallowforlastminuteavoidanceoflatechargesInternet/Telephoneallowcustomertoretaincontrolofdebitdate,ContactInformation,KarenBrewsterManagerofLockboxControlDaimlerChryslerServices248.427.6758KPBDCX.comPriscillaCapesChiefOperatingOfficerFortKnoxNationalCompany866.872.7531ext.2204pcapes,- 配套讲稿:
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- pres5 电子 支付 功能 最大化
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