e-Government 101

1. A non-technical overview of an on-line, real-time Internet payment system to incorporate e-Commerce into the City of Santa Barbara’s e-Government implementation Updated October 10, 2000 Scott Nelson, Webmaster e-Government 101

2. Six basic steps All transactions are secure and encrypted No personal customer credit information is kept on the Merchant servers Transaction time for customer approval is typically five seconds System is modeled after VeriSign’s Payflow Link product Real-time Internet Payment System Overview

3. Internet Customer Internet client using a 128-bit encryption capable browser to connect to the City’s Internet Web site Merchant The City of Santa Barbara Merchant’s Web site The City’s Internet Web site Hosted at West.Net http://www.ci.santa-barbara.ca.us/ Enumeration of Terms

4. Secure Server Administered by Information Systems SB_WEBSRV in City Hall https://www.secure.ci.santa-barbara.ca.us/ Merchant Internet Storefront On-line building permit purchasing forms Hosted on the City’s Secure Server Internet Payment Service Also know as the Gateway Provider VeriSign provides the service, Payflow Link Supported by Tidemark’s e-Pay module for on-line building permitting Enumeration of Terms

5. Processor First Data Merchant Services, Nashville (FDMS) Acquirer Santa Barbara Bank and Trust (SBBT) Issuer The bank or financial institution that issues the Customer’s credit card Merchant Account A special credit card acceptance bank account held by the Merchant at the Acquiring bank Enumeration of Terms

6. The Internet Customer uses standard Internet connection to navigate to the Merchant’s site. 1 - Navigating the Internet

7. Customer is redirected to a SecureWeb server, the Merchant Internet Storefront, on the Merchant’s site. 1- Navigating the Internet

8. The Customer completes the transaction screen form, and is presented with a summary of charges. Additional fees are addedat this point. Customer enters creditcard information intothe on-line form. 2 - Initiating the Transaction

9. The Customer accepts the charges. Payment information is sent directly to the Internet Payment Service servers via a 128-bit encrypted Secure SSL connection. 2 - Initiating the Transaction

10. The Internet Payment Service passes the payment request to the Processor. This transaction is processedover a dedicated, or leased,data line. 3 - Transaction Processing ?

11. The transaction is passed to the customer’s credit card bank or issuing financial institution over a private financialnetwork. 3 - Transaction Processing ?

12. The transaction is approved or declined by the customer’s credit card bank or issuing institution. The response is returned to the Processor. 4 - Transaction Approval

13. The Processor returnsthe response to the Internet Payment Service. 4 - Transaction Approval

14. The Internet Payment Service server returns the response to the Merchant’s Internet Storefront. 4 - Transaction Approval

15. Within about five seconds the customer sees the approval fromthe Merchant’sInternet Storefront. 5 - Transaction Confirmed

16. At the end of the day, the Internet Payment Service batch processes the day’s transactions through the Processor for funding to the Merchant Accountat the Acquirer. 6 - Acquirer Funding

17. Summary of the Process Step 1NavigationStep 2Initiating the transactionStep 3Transaction processingStep 4Transaction approvalStep 5Transaction confirmedStep 6Funding Step 1 Step 5 Step 2 Step 3 Step 4 Step 6