The SecuriLink E-Payment Processing solution is designed to assist organisations, large and small, in dealing with the difficulties of issuing bills and statements and of collecting monies due. The system is focused on providing clients with cost effective solutions to improving their billing and collection systems. The ease of operation and its competitive costs make it a long term solution to improved billing and debt collection commitments.

The SecuriLink E-Payment Processing solution provides easy interface between client’s accounting systems and the web-based convenience available to customers. It is a very secure system that protects the integrity of the client’s customer data and all data stored on the system. The system does not capture and store any customer details. These are retrieved through the API links once there is a unique reference to each customer record. In this way the invoice number, or client number would provide access to the client customer details, without the system storing such details.

The SecuriLink E-Payment Processing System enables clients to reduce the cost of billing and collection whilst at the same time improving overall efficiency in this area. Not only does it reduce costs, it frees staff from the time consuming and routine tasks of invoicing and mail preparation for more productive labour. To ensure the sustainability of the system, it is built around a transparent charging process ensuring excellent value for money to the client.

SECURILINK E-PAYMENT PROCESSING
SYSTEM FACILITIES AND FUNCTIONALITIES

The SecuriLink E-Payment Processing System is based on the following:-

• Collection of client’s billing data
• Secure data storage on web-based system
• Formatting of web page for data access
• E-mail to client’s customers with specific billing page url and password
• Client’s customer accesses web page
• Client’s customer completes credit card details and authorises payment
• Web system provides receipt to customer
• Web system provides reports to client

The following sections outline briefly the manner in which the process works.

COLLECTION OF CLIENT’S BILLING DATA

Through the use of a customised API the client’s billing data is collected. The API format allows for the collection of the data required, i.e. client customers’ data and data related to the bills and statements to be issued to the client’s customers. By using the API interface, the client’s own accounting system remains separate and distinct from the web based system thereby eliminating any risk of penetration through the web based system.

SECURE DATA STORAGE ON WEB-BASED SYSTEM

Once the client’s customer billing data is transferred to the web-based system, this is securely stored for access and referral throughout the payment process. Access to this data can be controlled and will be available to the client and the specific client customer through username and password access controls. This is standard procedure for accessing any secure site and users should have no difficulty in dealing with this process. Help facilities for those who may have forgotten their password will also be available.

FORMATTING OF WEB PAGES FOR DATA ACCESS

Once the data is stored this is accessible through a web page that allows for the viewing of the various data elements. For security reasons, customers will not be able to edit the data that is presented for viewing.

E-MAIL ACCESS TO CLIENT’S CUSTOMERS
WITH SPECIFIC BILLING PAGE URL& PASSWORD

The system will issue an e-mail notification to the client’s customers with a unique web page url address and the unique password necessary to access that page. This is an integral part of the security of the system, with unique pages being used for individual customer access.

CLIENT’S CUSTOMER ACCESS TO WEB PAGES

Upon receipt of the url address and the required password the client’s customer is able to access the web page containing all the relevant billing/statement information. They will of course be able to view on screen or print the information displayed.

CLIENT’S CUSTOMERS’ COMPLETION OF
CREDIT CARD DETAILS & PAYMENT AUTHORISATION

Once the customer is in agreement with the details provided and has decided to make the payment on-line, the credit card details will be requested by the system. The customer will key these in on-line. Upon completion of the credit card details, the customer would be required to authorise the payment to be effected through the system.

WEB SYSTEM PROVIDING RECEIPT TO CUSTOMER

Upon confirmation of the payment authorisation by the customer, the system will process the payment. A receipt confirming the transaction will be issued and sent by e-mail to the customer immediately the confirmation of the transaction is received from the authorising bank.

WEB SYSTEM PROVIDING REPORTS TO CLIENT

An integral part of the electronic payment processing solutions is the prompt payment status reports that are available to clients. Clients may opt for individual notification of payments or may choose to have reports sent periodically. Alternatively, clients may choose not to have payment status reports sent, but to have access to payment audit trails allowing them access to on-line payment records at their leisure.

SYSTEM FACILITIES

The SecuriLink E-Payment Processing System provides extensive levels of customisation, in the five different sections of the on-line bill, including:-

• Customisation of client data, logo, name, address, contact details etc.
• Through API links inclusion of client customer specific data, name of organisation, contact and address
• Through API links inclusion of client customer bill/statement data
• Section of collection of credit card details and authorisation of payment
• A customised client message at the foot of the on-line bill

The SecuriLink E-Payment Processing System also provides a legacy facility that allows the client customers to access a secure website and make payments, in full or on account, of bills received in the traditional manner and not through the e-payment process. Customers need only access the client designated web page, key in the customer ref no or other unique reference no, reference to the bill or statement, and follow the on-line payment process. This legacy facility allows for ease roll-over of billing operations from traditional systems to web-based systems.