Haggar Consulting Corp

ICCard: The billing engine "in a box". ICCard allows membership sites to perform their own billing. It can also be used to provide third-party billing services. ICCard can process all transactions to a single merchant account, or each client can have their own merchant account. ICCard automatically performs recurring billing ands batc settlements. It provides customer support personnel with a graphical user interface that runs right on the desktop.

System Features

Capable of performing third party billing for multiple clients.
Capable of using multiple merchant accounts.
Accepts payments using Credit Cards, Checking Accounts, or Web900.
Performs Recurring Billing automatically.
Automatic Batch Settlement capability.
Fully automated userid/password management.
Transaction reporting for individual clients or the entire system.
Billing cycles include free week, paid trial, monthly, and multi-monthly cycles.

Fraud Control Features

Prevents dupicate charges by eliminating double-clicks.
Dynamically blocks multiple submissions from the same person.
Full control over AVS (Address Verification Service) responses.
Uses negative database technology.
IP Address ranges can be blocked.
Credit card BIN ranges can be blocked.
Compares country of IP address with country of credit card issuer.
Integrates with CyberSource for further fraud screening.
Delivers Email receipts for purchases.

Click the picture for a larger view of the customer service application's credit card screen

To download a white paper, click here: iccard-promo.pdf

ICCARD E-COMMERCE SOFTWARE PACKAGE DETAILS

ICCard is an e-commerce software package that is fully capable of providing all the required functionality to perform thrid-party billing. The ICCard system processes transactions using "physical merchant accounts" for "logical clients". The transactions can be processed using either individual merchant accounts per client, or a group of clients can use a single merchant account. These transactions are then reported per-client, with separate logins per client to view statistics, etc.

ICCard processes Internet transactions in real-time, by interfacing to a variety of processing software and systems.

ICCard implements fully automatic userid and password management. CGI programs are provided which can run on the remote system containing the password-protected content. These CGIs are called by the ICCard system to add/delete users as needed. The CGIs are easy to install and are compatible with any other previous or existing password management mechanisms.

ICCard can perform automatic recurring billing, and a variety of billing options are available. These include free trial periods, paid trial periods, monthly recurring, and multi-monthly recurring. In addition, it is possible to purchase access for a single charge for a single amount for a single time frame (such as a 3 month period).

ICCard provides real-time statistics. The clients can see how many attempted transactions occurred, and why those transactions were screened or filtered prior to processing. In addition, there are statistics which indicate the transactions that were processed, and the results of that processing (approved/declined).

ICCard offers a wide variety of fraud control features. ICCard can take a variety of actions based on the AVS reply for a given transaction. Additional fraud screening features identify risky transactions based on transaction origination information, card issuer comparisons, etc. Support for automatic use of CyberSource’s fraud scoring is also provided. Email confirmation before a sale is accepted for settlement, and automatic receipts can be sent after the sale is processed.

ICCard can be integrated with shopping carts. ICCard can accept transactions via either HTTP/GET or HTTP/POST protocols. A standard reply can be returned upon approval, or informative replies are returned in all other circumstances.

ICCard includes a customer support GUI, which provides all of the features needed to handle membership and billing questions. In addition, a wide variety of features are provided to allow customer support staffers to offer maximum customer satisfaction to the cardholder.

ICCard's risk management features provide reports that can identify trends and help predict risk factors for recent transactions based on chargeback analysis.

ICCard integrates with an ACH checking system to allow the acceptance of online checks for payments. All of the standard features accompanying credit card transactions are made available using online check payments (except AVS, since that is not offered in the USA by the ACH network)

ICCard runs on Windows NT. It is written in C to provide efficient, durable, and reliable operation.

ICCard uses ODBC to access data, and has been run in production modes with Microsoft Access (smaller operations) and Microsoft SQL Server (larger operations).