'End to End' Diagram

CommSecure's Electronic Bill Presentment and Payment Product offering (EBPP) - consists of two main families of products.

1. BillSecure; which covers electronic bill generation, presentment and archiving; and

2. PaySecure; encompassing payment by credit card, or debit card - via Internet banking, direct internet and phone payments - pus reconciliation of all receivables

Starting at the left of the diagram, CommSecure’s end to end service begins with the import of standard print files from our client (the biller) to generate virtual originals for electronic delivery via the internet.

These images are then presented (or delivered) to our client’s customer (the billee) via internet banking (BPay View) or our client’s own secure billing and payments website, both hosted at CommSecure.

The online bill may then be queried and/or paid via direct links to PaySecure. In the case of a query the customer can choose to enquire via email or through a call centre. If the call centre is used then the receiving operator will be viewing the same bill image as the customer, making immediate resolution more achievable.

Once ready for payment a secure hot link to the PaySecure application enables the customer to pay using a direct debit or credit card. As over 20% of bills are paid via phone banking (usually IVR or call centres) CommSecure also offers both IVR and call centre assisted application services.

CommSecure is the first Australian service provider to seamlessly link these applications into an end to backend payment consolidation and reconciliation service that improves our client’s receivables process, thereby delivering costs savings at every stage plus global efficiencies in customer service and receivables management.