Payment Gateways for e-Government services

1. Payment Gateways for e-Government services 24 May 2007 john.borras@gov3.net

2. About Gov3 • Gov3 was launched in September 2004 by the core team in the UK’s Office of the e-Envoy • Gov3 is unique: we use our ‘inside government’ experience of IT enabled change to advise and support governments and international institutions. We are in a market of one - no other major global consultancy can match our offer • Gov3 is now one of the world’s fastest growing international public sector consultancy businesses. In our first 3 years we have: • Worked on IT enabled transformation with 30 governments, across five continents • Worked with the European Commission, OECD, the UN and the World Bank • Recruited a global network of consultants with ‘inside government’ experience of IT enabled change in the public sector

3. Payment Gateways – what do we mean? Does it mean: • Single payment engine to handle any individual payment made to a government agency, or • Single gateway to pay a whole of government account? • UK has adopted the former. Very difficult to do the latter because of legislative changes, need to re-engineer business processes, changes to accounting procedures, other e-government priorities. Plus many users do not want it, ie prefer to keep their government affairs separate.

4. The Government Gateway

5. Mobiles Phones PC Portals PDAs TV Call Centres Government Gateway Overview Government Gateway ID Management (Registration & Enrolment, Authentication & Authorisation) Channels & Devices Local Authority authentication / authorisation Dept authentication / authorisation Government Gateway Messaging & Interoperability (Transaction & Payments Engines) Internet document submissions / data interactions / payments Tax Citizen & Business Benefits

6. Gateway Key Functions • authentication and authorisation – ensures users are who they claim to be and have the right to access a specific service or set of services • single-credentials – so that users can have one user ID and password, or a digital certificate, for use with all online public services • messaging – guarantees the reliable delivery of documents and messages (C2G, B2G, G2G) • integration – offers reliable delivery of standards-based information into the connecting organisation, including the option for customised local integration into existing systems and applications • security – compliant with EC recommendations on use of Common Criteria product and UK-specific high levels of security • payments • Debit Cards, Credit Cards, Direct Debits • pan-Government commercial deal with BACs based on pan-Government volumes • alerts • SMS and email notifications

7. BACs • BACs is owned by the some of the major UK and European clearing banks and building societies. • One of the world's leading and most successful organisations providing electronic funds transfer, handling financial transactions such as Direct Debits, BACs Direct Credits, Standing Orders and other interbank payments. • BACs is a not-for-profit, membership-based, industry body, responsible for the processing of five billion payments a year with over 80 million on a peak day. • Government Gateway links into and uses the BACs services.

8. Authentication & Authorisation The Registration and Enrolment Engine: • owned by Government • provides users with a single sign-on credential for use across all online government services • Gateway supports both UserID/Password and digital certificate authentication • users can set up their credential and services: • directly on the Gateway UI • via portals (preferred method) • supports multiple levels of authentication: • unauthenticated • authenticated with UserID/Password • authenticated with Digital Certificate • provides a web services interface for portals and applications to use

9. Which transactions? • National Government • pay Taxes • pay National Insurance • apply and pay for Passport • apply and pay for Vehicle Licence • apply and pay for Driving Test • Local Government • pay Council Tax • book sports facilities • More being developed but initiative rests with departments and councils

10. Any questions? john.borras@gov3.net