Online Payments VicRoads Experience

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Online Payments - VicRoads Experience

• John Ford - Sept 2000

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Agenda

• Business Technical Requirements
• Approach
• Solution
• Development Implementation Experience Issues
• Questions

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Business Requirements

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

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Business Requirements

• Estimated Volumes (000s per year)

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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

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Technical Requirements

• Integrate with VicRoads ESD Architecture
• VicRoads ESD applications control the screen
  interface

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Technical Requirements

• Integrate with VicRoads ESD Architecture
• Java development environment

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Technical Requirements

• Integrate with VicRoads ESD Architecture
• Java development environment
• Component based

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Technical Requirements

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

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Approach

• Talked with many players
• Westpac
• Credit card providers - Westpac accredited Non
  Westpac accredited
• VicRoads Finance Dept
• Other organisations

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Approach

• Conclusion
• No one supplier does it all
• Multiple products/services required from
• Westpac
• Third parties

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Solution

• Direct Debit
• Westpac Deskbank facility
• Credit Card Processing
• Proposals from three Westpac accredited providers
• eSec, Camtech, Telstra
• Selected eSec
• Similar functionality
• Lowest price

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eSec Credit Card Payment Solution
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Overall Payment Solution
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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

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Payment Services

• Facilities provided
• Credit card and direct debit payments
• All payments are processed by CPM - batch process
  at end of the day

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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

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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

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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

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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

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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

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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

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Experience/Issues

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

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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

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ESD_at_VicRoads

• Questions Discussion?

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ESD_at_VicRoads

• Electronic Service Delivery Strategy