In addition to its turn-key transaction processing interface from its Web Merchant Subcriber's Web Sites, eMoney TM provides its Subscriber's with a Subscriber Services Secure Web Based Manual Transaction Entry function and Secure Web Based Transaction Log. 
 
The following is a process description with actual screen shots of the eMoney TM Subscriber Services Secure Web Based Manual Transaction Entry function and Secure Web Based Transaction Log:
 
1.    Manual Transaction Entry function:
        eMoney TM Subscriber ID # and Password and enters into the labeled fields the
        following data:

        a.   The card-holder's
                i.    Last Name
                ii.   First Name
                iii.  Credit Card number
                iv.   Expiration date (i.e. February 2002 = "0202")
                v.    Street Address (optional)
                vi.   Zip Code
                vii.  Ticket Number
                viii.  Dollar amount of the sale

        b.    Indicate through the pull down menu whether the transaction is a
                i.    "Charge" or a
                ii.   "Refund".

        c.   Click "Submit"

5.    eMoney TM immediately thereafter:
        a.     Performs a Check Sum algorithm on the Credit Card Number
        b.     Determines that all fields are properly completed
        c.     Takes the Secure Data through a firewall
        d.    Take the data into a Server
        e.     Logs the data into the Merchant's database
        f.     Takes the data into the Merchant's Virtual Terminal (TID)
        g.     Contacts the Merchant's Credit Card Processor's Operations
                Network using its certified protocols into 21 different bankcard networks 
                per the bankcard network's specifically prescribed method of either via:
                    i.   TCP/IP Connection; or
                    ii.  Dial-up connection
        h.    Transmits the credit card data
        i.     Performs the AVS
        j.     Obtains the Credit Card Authorization Number
        k.    Displays the Authorization and AVS response to the Browser

This entire process takes approximately 2 seconds with TCP/IP or 5-12
seconds using dial-up.

6.     A simple copy and paste of the authorization number, AVS response, credit card numbers and expiration date can enter the data into the Subscriber's own PC database speadsheets.

7.      The ability to review all transactions on a real-time secure Subscriber ID # and Password accessible Web log is standard:
        a.    Through the Subscriber's Transaction Log, your Mercant Client (and/or you
will be able to perform Refunds, if and as necessary, by simply
clicking on the hotlink for the transaction Ticket Number, which will then
display the relevant transaction data, show the transaction to be performed
as a "Refund".  and require an addition click on the "Submit".

Please find in a simultaneously copies of the screens which you would see in
the process described above.

I look forward to being of service to you shortly.

Best regards,

Jon Morgenstern, A.A.P.
       (NACHA Accredited  ACH Professional)
E-Money, Inc. TM  / eMoney.NET  TM  / eMoney TM
      (The Turn-key eCommerce Network)  www.e-money.com
1150 Connecticut Avenue, N.W., Suite 900
Washington, D.C. 20036
DIRECT TEL:    (301) 519-0550
FAX:                (734) 448-6995
TOLL FREE:    (800) 444-1119
E-MAIL:           [email protected]

eMoney TM Subsciber Services
Login Screen

User Login
Subscriber ID:
Password:

New Password:
Confirm Password:

eMoney Subscriber Main Menu
Subscriber: Anymerchant, Inc.
Create a credit card charge
List transactions for last 3 days
List transactions for last 30 days
List transactions for last 60 days
List transactions for last 90 days

eMoney Credit Card Charge or Credit
Subscriber: Anymerchant, Inc.

Card Holder Last Name:
Card Holder First Name:
Card Number:
Expiration (MMYY ie 0199):
Street Address:
Zip Code:
Ticket Number:
Amount:
Charge or Credit:

Subscriber: Anymerchant, Inc.
List of transactions from 1/23/00 to 2/23/00

Click the Order Number to issue a credit

Order Number Name Amount Card Expires Order Date Status Auth
25736553 John Y. Wolly 172.99 4031....8891 0390 2/22/00 11:14:18 AM I 022152
25736553 Pam Scudde 172.99 4031....8891 2094 2/22/00 11:05:43 AM I 022153 
255725664 Patricia Maohe 83.68 5291....6009 0976 2/21/00 6:56:05 PM I 065020
2 CPUs Debra Baum 56
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