in the Finance and Authentication Industries

to provide cutting edge services required to maintain a leadership position

CUSTOMER SERVICE
Customer satisfaction is the key to your organization's success. Your ability to provide superior customer service in a timely manner is paramount to keeping a satisfied customer base.  Phase 2 Solutions understands customer service. We know what is required to keep customers and have developed highly skilled Customer Service Representatives who are dedicated to exceeding the needs of your valuable customers.

CHECKFREE
CheckFree is the LEADING provider of financial electronic commerce services, software and related products. Through its operating subsidiaries, CheckFree designs, develops and markets services that enable more than 6.3 million consumers to receive and pay bills over the Internet or electronically through a variety of bill aggregation points, including banks, brokerage fiADS, portals and interactive content sites on the Internet, and personal financial management (PFM) software. CheckFree's range of services and products are focused on enabling customers to receive electronic bills and statements, make electronic payments and collections, automate paper-based recurring financial transactions and conduct secure Internet transactions.

CERTEGY
Real-time connection to Certegy's Negative Check Database.

EXPERIAN
Validates consumer information supplied online the consumer’s credit file and various consumer databases. Has two levels of authentication. First level validates credit header information. Second level includes an interactive session with the consumer real time online.  Session quizzes the consumer on information contained in their credit file.

Experian Level One – Third Party
Validates the accuracy of consumer information real-time online.  Validates the Following:
Name
Address
High Risk Address
Social Security
Partial Social Security Number
Phone

Experian Level Three – Third Party
Designed primarily for merchants with high-ticket items. Engages the consumer in a real-time online quiz of their credit file. The consumer is presented with three multiple choice questions regarding their credit file. Some of the questions asked are:
Who is your mortgage with?
What is your previous address?
What is the make of you car?
What is the amount of your monthly house payment?

E-PAYMENTS ROUTING DIRECTORY
E-Payments Routing Directory is the routing number directory provided by the Federal Reserve is integrated with our gateway.  Transactions are validated real-time, ensuring the routing number entered is the accurate ACH routing number.  If the routing number entered is not intended for ACH transactions and the financial institution has provided an alternate routing number, the routing number entered by the consumer will be written to the record and the correct routing number will be entered in the routing number field.

 HISTORICAL INTERNET TRANSACTION SERVER
Historical Internet Transaction Server is an Online Database comprised of internet ACH transactions that other payment gateways contribute to and is maintained by our Gateway.  Database contains approximately 3,000,000 transactions (1,063,000 Unique) and is projected to exceed 12,000,000 (6,500,000 Unique) by 2003.

 PHONE TRACE
Provides the physical address for a given phone number. This service is valuable in fraud detection or verifying a physical location.

STARCHECK
STARCheck is designed to provide anytime, on-line access to PPS' national database for inquiry on checks accepted for payment. PPS responds to the inquirer th the current account status, as well as check-level detail on returned items and stop payments, providing advance notification of potential check returns. This unparalleled service, provides inquirers with information never before available to facilitate payment disposition decisions

StarCheck is a leading electronic payments network and an expert in secure, real-time electronic transactions. In addition to being the market leader in processing PIN-secured debit transactions, STAR develops market-expanding innovations such as check  electronifcation to help financial institutions, retailers, and independent sales organizations connect with and better meet their customers' needs. STAR processed approximately 5.5 billion transactions in 2001 via 6,230 participating financial institutions and more than one million participating ATMs and retail locations.

ULTRADNS
UltraDNS develops and markets highly reliable, scalable and manageable Internet infrastructure solutions that power the world's largest directories and enable next-generation global communications applications to work significantly better and more reliably.  The first UltraDNS infrastructure offering targets the Domain Name System (DNS), the world's largest, most complex and most available distributed network directory system in operation. Traditional DNS systems are unable to meet the demanding reliability, performance, scalability and manageability requirements of e-businesses and their service providers. This results in hundreds of millions of dollars in lost customers, revenue and productivity every year.

TROY Financial
TROY Financial Services is a leading provider of financial payment solutions. TFS was formed to consolidate and focus the pursuit of growth opportunities in the emerging area of online electronic payment systems. We are industry leaders in electronic payment solutions. Banks, Brokerages and other financial institutions use our products to provide their customers secure, automated electronic payments.