Credit Card And Prepaid Process

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Credit Card And Prepaid Process

• Edward M. Kwang
• President

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Credit Card On-Line Process

• Benefits of Integrating Elliott with Credit Card
  for On-Line Process
• Store Customer Credit Card Re-Use
• Credit Card Data is Encrypted and Secured
• Perform Real Time Cash Receipt When Charge Credit
  Card through Elliott
• Efficient Process for Point of Sales, Mail Order
  or Telemarketing
• Its a Multi-User System Its Fast
• Replace Old Credit Card Terminal

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Whats a Credit Card Processor?

• Visa Master are Association, not Processor.
• The Bank that issue the credit card is not the
  processor.
• The Bank that has your Merchant Account is not
  the processor.
• There are about 10 Credit Card Processors. Top
  Three are
• First Data
• Visa Net
• Nova
• Each Credit Card Processor has many different
  names.

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Credit Card Software

• IC Verify (729 multi users)
• Own by First Data
• Work with all major processor
• Modem base
• Web Authorize (1,295)
• Own by First Data
• Work with all major processor
• Web base high performance
• ViaWarp (499)
• Own by Nova
• Work with Nova Network only
• Web Base high performance

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Elliott Credit Card Interface

• Elliott Credit Card Interface tested for
• IC Verify
• ViaWarp
• We recommend ViaWarp
• Cost Effective Solution
• High Performance
• Nova offer the best rate on the market

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ViaWarp Demo

• ViaWarp will be installed on your Windows NT or
  2000 machine as a service.
• Can be installed on Win95, 98, ME as an
  application. But is not recommended.
• Login ViaWarp through Browser
• Charge 1.00
• Validate Address
• ViaWarp Management
• Settlement (Manual or Auto)
• Void Transaction
• History

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eContact Credit Card Demo

• Process Credit Card Trx in eContact
• Support Multiple Credit Cards per eContact in
  V7.2
• Expand Credit Card Information
• This function may be used by A/R Collector
• Credit Card Trx on ViaWarp Server
• Impact to A/R Side
• A/R Open Item
• Distribution
• Customer Account Balance
• Credit Card Log File
• Data Encryption (128 bits)

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Address Validation Demo

• Address Validation (AVS) is on
• Zip Code
• Street Address
• AVS ensure your goods ship to the same address as
  the credit card holder and reduce fraud.
• AVS mismatch does not stop the charging of credit
  card. It is only a warning condition and you
  need to determine what you going to do.

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What is CVV2?

• CVV2 standards for Card Verification Value 2.
  It is either a 3 or 4 digits code on your credit
  card.
• It is the latest effort by Credit Card companies
  to fight Credit Card fraud.
• Since CVV2 does not show up anywhere except on
  your credit card, providing this information
  implies you have physical access to the credit
  card thus reducing the risk of Internet credit
  card fraud.
• If you choose to validate CVV2 and it fails, then
  credit card charge does not go through.
• Elliott supports CVV2

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Example of CVV2
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CVV2 Demo

• Turn on CVV2 in Global Setup
• Process sales system will prompt for CVV2 value
  since they are not saved in eCotnact.
• Save CVV2 in eContact credit card and process it
  again.
• Save incorrect CVV2 value in eContact credit card
  and process it again Transaction rejected.

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Why AVS and CVV2?

• When there is a credit card fraud, the merchant
  carries the ultimate liability.
• To verify address and collect CVV2 will reduce
  the risk of credit card fraud.

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Credit Card Process in Elliott

• You can process Credit Card in the following area
  in Elliott
• eContact
• A/R Credit Card Trx Processing
• This is the only area to issue Credit
• Sales Desk
• People use Sales Desk as Point of Sales
• Order Billing Screen
• Reporting
• Credit Card Log Report
• Payment History Report

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Sales Desk Demo

• Terms Code Setup for Prepaid
• Enter an O type of order in Sales Desk
• Payment Window in Sales Desk
• Collect 50 Payment
• Three ways to provide credit card info
• From File (eContact)
• Swipe
• Manually enter
• Impact to A/R Side (Create Real Time Open
  Payment)
• Bring up Sales Order Billing Screen Collect 50
  Again
• Print Invoice Post
• Impact to A/R Side (Re-Apply Payment)

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Sales Desk as Point of Sales

• Support UPC Code Scanning
• Enter an I type of order in Sales Desk
• Multiple Payments Handling
• Cash
• Check
• Credit Card
• Gift Certificate
• Change (for Cash)
• Print Immediately Invoice
• You can use Sales Desk for Mail Order purpose too

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Payment History Report Demo

• Use Payment History to Reconcile the Cash Drawer
• Use Payment History as Bank Deposit
  Reconciliation
• Print by User Workstation (Cash Register)

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Credit Card Log Report Demo

• Use Credit Card Log Report to Reconcile with
  Credit Card company statement.
• Use Credit Card Log Report for Tracking of
  Exception Condition.

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Security Issue

• Each User Workstation need to be pre-authorized
  in order to access the encrypted credit card
  information.
• Setup individual user credit card access level.
• For example, setup a user to enter credit card
  but cant charge the credit card

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Security Demo

• Password Setup - User Global Security
• Take away right for on-line charge credit card in
  eContact
• User can still enter credit card
• Revoke user workstation credit card access
  right
• When access credit card, will be prompted with
  credit card master password.

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Elliott eStore.NET

• eStore.NET works through Elliott Credit Card
  On-Line Process Interface. Therefore
• You do not need another Internet Merchant account
  or payment process gateway
• A saving of 50 - 100 per month.

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Implementation Requirements

• ViaWarp (499 get it from Nova)
• Merchant Account with Nova
• Can work with any checking account
• Credit Card Interface Add-on (995)
• Upgrade to Elliott V7.2
• Windows NT / 2000 machine (server preferred)
• Internet Access

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In Summary

• Credit Card On-Line Interface is ideal for Mail
  Order, Telemarketing or Point of Sales.
• Multiple Payments Window handles
• Deposit
• Prepaid Payment

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Questions Answers