Virtual terminal solution This solution is similar to a stand-alone credit card ter-


minal but “virtual” without any hardware or software. Once logged onto a secure web portal, users have a credit card machine on their web browser.With an advanced virtual ter- minal solution, users can create new charges or refunds based on previously completed transactions without access to card data. Managed recurring payment solution Recurring payment data include a recurring period


(monthly, quarterly etc. ), an amount and card data. Once a recurring payment is created, users no longer have access to card numbers. Transactions are automatically processed on the specified dates.Declined transactions can be re-attempted without access to card data. Integrated hosted pay page solution This solution can be used for either e-commerce “online”


payment applications or integrated to point-of-sale applica- tions.At time of payment, the browser is redirected to a pay page hosted by the service provider onwhich the card data are entered. No card data are actually transmitted via the mer- chant’s web server or application. • Remotely hosted back-office solutions: For optimal operations, the advanced solutions presented


must be used in combinationwith hostedweb-based solutions for customer support and back-office tasks.All necessary data are stored remotely and managed by the compliant service provider. Essential transaction details and revenue informa- tion aremade available only to the accredited users. Advanced functionalities allow users to complete recon-


ciliation, to research transaction details and to issue refunds or partial-refunds against completed card payment without hav- ing access to card data. Hosted back-office solutions also help streamline


processes and datamanagement, plus eliminate the possibility of illegitimate actions by unauthorized staff. Tasks can be standardized independently of the revenue control systems and performed either by staff locally at each facility (while allowing supervisors to oversee the activity in a controlled manner), or by “expert” staff with central management of all accounts independently, thus removing the requirements from the local facilities. The reality is that access to card data is not a true busi-


ness requirement. Removing staff intervention from the payment processes


and staff access to card data, plus eliminating storage and han- dling of card data from an organization’s environment while allowing fulfillment of all tasks related to support and back- office requirements are possible today by leveraging advanced managed solutions and value-added services from compliant service providers. Implementing such solutions can help reduce card


security scope and therefore can reduce costs associated with implementation and maintenance of card security processes. It also can result in the implementation of better managed, standardized and centralized processes, which in turn will improve overall operations.All solutions and serv- ices presented are currently being used by merchants in the parking industry.


Fabien Pesenti, Country Manager and VP of Business Development for Six Card Solutions, can be reached at fabien.pesenti@3cnorthamerica.com.


PT


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