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Click to edit Master title style,Click to edit Master text styles,Second level,Third level,Fourth level,Fifth level,Presented by:,Karen Brewster,Manager of Lockbox Control,DaimlerChrysler Services,Priscilla Capes,Chief Operating Officer,Fort Knox National Company,ePayment Definitions,Allotment,Payroll deduction from customers who are in the military,Auto Debit,Recurring ACH that is day/date generated-monthly,biweekly,orweekly ACH,EBPP,Electronic bill presentment&payment-recurring ACH,One Time,Single ACH transaction-telephone,Internet,C2B-can postdate,Payroll Deduct,Money deducted from customers pay before the check/credit is issued,Recurring,Prescheduled ACHs-require signature or electronic authorization,Telephone Payment,Payments generated using the telephone-can be manual or automated through an IVR-can be initiated by the company or theconsumer,Web Initiated,Transactions initiated over the internet-can be made through thecustomers bank,an online bill payment service,or a company ownedwebsite,Agenda,General ePayment Information,Definitions,Trends,ePayment Applications,Automatic Debits,Telephone Payments,Electronic Billing and Payment,Biller and Customer Benefits,DaimlerChrysler Payment Type Trend,Electronic and Specialty Payment Trend,Percent of Payment Portfolio,-,December 2000-December 2002,FKNC Electronic Payment Trend,Volume Growth&Payment Type Trend-December 2000-December 2002,51.2,48.8,46.7,53.3,54.2,39.8,6.0,Automated Debit Payments,ACH,automatically,generated on,specified date,Sent to,customers,bank,A/R,record,updated,Customer,application,received,(Signature),System set up,to generate,the ACH on,specified,date(s),Funding,occurs,Funding,does not,occur,Returned,item information,sent,Scheduled Recurring Debit,Automated Debit Payments,In-House,Usually generated by the Portfolio System,(due date specific),Credits the accounts for the day that the ACH will be processed,Items that dont process are transmitted in a reversal file,Customer enrollment process issues,Outsourced,Processed based on a preset date(s)or day of the week,Can manage customer enrollment process and retention,Can manage customer service issues,Must develop the A/R record update,Automated Debit Payments,Amount,Fixed,Variable,Frequency,Monthly,Semi-monthly,Weekly,Bi-weekly,Auto Debit Process Criteria,Length of time,customer service,Existing Relationship,System redundancy,offsite backup,Disaster Recovery,Lockbox transmission file or other,Method of Updating A/R File,All levels-will depend on the complexity of the process,Application Security,Development and per transaction,Cost,Debit Frequency,Who has responsibility(vendor,bank,corp.)?,Customer Enrollment Process,Does application allow for fixed&variable payment amounts?,Payment Amount Capability,Implementation Speed,Letter,e-mail,or none,Transaction Confirmation,In-house vs.Outsourced(Provider),Customer Support,Is vendor currently providing similar application?,Expertise,For both the application and transaction processing,NACHA Compliance,In-house system vs.Outsource,Application Ownership,Timeline,System debit capability for monthly,bi-weekly,weekly due date,Recurring Debit Rules,NACHA rules require all ACH debits to be authorized in writing or similarly authenticated with the exception of TEL,ARC,and RCK,Reg E requires all recurring debit transactions be authorized in writing or similarly authenticated,Retain authorization to protect Originator should a dispute arise for2 years following termination or revocation,Be readily identifiable as an ACH debit authorization,Clearly and conspicuously state its terms,Provide method for revoking authorization on recurring debits only,Telephone Payments,Customer Generated -IVR,Customer,calls an 800#or,customer service,number and,selects the,payment option,Customer keys,in authentication,information,Customer keys,in payment and,banking,information,Customer,authenticates,with an agent,Agent processes,payment&,banking,information,Payment,generated,Regulations,ACH,Paper,check,Or,Telephone Payments,Manual-Agent,Phone,contact,between,agent&,customer,Customer,authenticates,with an agent,Original agent,processes,payment&,banking,information,Payment,generated,ACH,Customer&,account information,warm transferred to,specialist agent,to complete,the transaction,Paper,checks,Telephone Payments,Mid 90s paper-based,collector generated,Telephone ACH debits,NACHA pilot in 1999,New TEL rules finalized in 2002,Expanded into customer service applications as a new payment option,Fee revenue,Telephone Payment Criteria,Length of time,customer service,Existing Relationship,System&circuit redundancy,Disaster Recovery,Currently transmitting lockbox file to CFC,Method of Updating A/R File,Dependant on where system resides-Internet/server,Application Security,Development and per transaction,Cost,Automation Options(IVR),Who has responsibility(vendor,bank,corp.)?,System Modification/Administration,Can application support variable fee or charge to customer?,Payment Fee Capability,
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