in Back Office Software and Services

Over the past 20 years the priorities in your business focus has changedramatically, portfolio value, merchant retention and sales channelrelationships, (conceding that customer service has always been yournumber one priority), continually challenge you to be more creative.

To keep up with the challenging expectations of your clients yourinvestment in infrastructure and tools becomes more of a necessity thanluxury.

Tools that you use should have:

• Increase productivity and free time from repetitive task

• Speed up processes and off set work to its point of origin

• Provide instantly necessary information to support your clients

• Provide information vital to the profitability of your company

• Improve Your Bottom Line

With the advent of Generation Y, the way business is run changes rapidly.Today we are faced with a generation that wants everything quickly andon-line. They want results immediately or will go somewhere else if theyfeel ignored in a short period of time.

Business philosophy has also changed with the applying of various rulesand regulations, governmental and industry driven, that add an extra costto the service provided.

Marketing has moved from printed to digital where information is availableimmediately.

Fraud is abundant where there is a way to make a quick buck. Tools mustbe in place to protect your business that are easy to implement, quick tochange and easy to learn.

Solutions have been built on experience based on resolving shortcomings inworkflow and elimination of multiple processing steps.

Every product that we provide is customizable to meet your presentrequirements and built upon as new features and functions are necessitated.

Back Office System PCI Merchant Management

Fraud Monitoring

Bank / Referral Portal

Merchant Portal Transaction Processing Services

Supports Multiple 5 Unlimited Hierarchical Levels

Interfaces with External Processors, Credit Bureaus and Validity Checking (Entry and Updating)

Calculates Residuals

Provides External User Access

Provides information on Profitability, Attrition, Processing, Activity

Underwriting based on your guidelines

CRM Ticketing and Alerts

History notation storage

Building Statements is available with appropriate data

Know Your Client:

• Credit Bureaus• Owner and Business Background Checking

Autoscore for instant Pre-Approval• Guidelines customized to your Underwriting Criteria

Review information Automatically and Manually• Identify and request missing or additional documentation

Mitigate Risk with a system used by processors and acquirers

Import Transaction data from all processors (Multi Currency supported)

Over 15 Set Flags updateable per merchant (customizable) based on Daily and Monthly Processing

Monitor Exception Merchants and review those not flagged, great for Customer Service Support

Review Chargebacks and Retrievals as presented

Quick View of Merchant Demographics with managerial queue support

Interfaces with Back Office

PCI Merchant Management as a Service or Use our Portal

Scans by a QSV

Initiating of SAQ request from Merchant with follow-up until completed

Real-Time reporting on status

Easy to Understand Portal for Merchant to review information, make changes and submit SAQ

On the phone assistance with a live in country person

Review and Download documentation for PCI above those found on the internet

Interfaces with Back Office or Stand-Alone

Remote Entry from Referral Partners (Full or Partial Information)

Auto assigned and notify Agent / Support

Ability to generate a schedule and output to Outlook

Review Status on Merchant with timeline within a department

Generate Reports

User Hierarchy based on Management Levels

Interfaces with Back Office or Stand-Alone

PERSONALIZED FOR YOU OR YOUR MECHANTS

Review Individualized Requirements

Develop specific Security Policies and Procedures

Design and Review Network Implementation

Develop the Initial Report on Compliance

Work with Internal Staff and Auditor and scanning service

We make recommendations on equipment and auditors. We do not obtain any income from our recommendations.

Review Transactions in Real-Time or Next Day

Retrieve Statements

Order Equipment or Services On-Line

Download Documentation

If using Transaction Services review and print receipts

Update Demographic information

Request Help

Virtual Terminal with access to most major processors (can develop interfaces as required to those not supported.

Able to apply a surcharge for government transactions.

Hosted Payment Page for interfacing with web sites.

Real Time Transaction Reporting to Agent Portal.

Email Receipts.

Interface to Fraud System available (Real Time).

Be able to participate in Donate at Point of Sale (Donate@POS)

Take

Capture Donation Information for reporting.

Share contracted costs with your merchant

Address Civic Responsibility by providing a service that is:Good for Society

Good for the MerchantGood for You

The team at Lighthouse Software has been developing software for ISO’s, Acquirers and Processors for over 20 years.

We provide customized systems and services at reasonable costs.

We are interested in your profitability and are more than just a Data Entry Software Package.

We can assist you in PCI by reviewing your design, making recommendations and the most cost effective path through the Audit. We can develop a Policy and Procedure document and complete the ROC for the Auditor before they show up on site.

We offer a complete service and treat our clients as partners in our business.

We understand Fraud Mitigation and Underwriting.

We understand Processors and their Agreements.

We understand that Automation is not Just Data Entry, we invented Single Point of Entry to feed multiple processors from a single point.

We know how to build interfaces for importing and exporting of data.

We know that your most important resource is your SALES TEAM.

We believe in Giving Back and have built a Donation System for you and your merchants to take donations from many nationally known Nonprofits and which are not based on unknown profits.

We don’t take kickbacks from Auditors or insurance companies. We work for you and your best interest.

Founders and Principals: Ruth Brent and Howard Falcon.

1993Built Back Office for Nova (Elavon). Data Entry, Underwriting, Training, Deployment, Shipping, Customer Service, Fraud Monitoring, Chargeback and Retrieval Processing, Residual Calculations and Collections.

1996Built Back Office for PMT. Data Entry, Training, Customer Service, Integrated Fraud Monitoring, Residuals

1998 - PresentFormed Lighthouse Software Development. Vision is to provide solutions and services to payment organizations that do not have their own development team at reasonable costs.

Built Back Office and Fraud Monitoring Systems for over 40 ISO’s and Acquirers. ISO clients have portfolios from 500 merchants to 80,000 merchants. Fraud monitoring system reviews over 100.000 transactions a day from multiple sources during a day.

Provided pre PCI services to 3 ISO’s to prepare for audits including the development of Security Policies and Procedures and the PCI ROC Document.

Ruth BrentRuth, as the Software Development Manager at Nova Information Systems led the development for the Eclipse Back Office System, totally automating the merchant boarding process from receipt of an application to the installation of equipment. At PMT Inc. Ruth managed the development resources to provide an automated Single Point of Entry system used internally as well as by sub offices and partners.

Before entering the credit card processing environment Ruth developed the Phoenix Technologies BIOS for laptops, co-designed and developed a printer operating system for Delphax, Inc. that printed 30 pages a minute with a fill page of graphics, unheard of at the time. Ruth was also the manager and lead developer for the Lotus Development ISV Department, and was responsible for the development of the Printer Drivers for its 123 Spreadsheet and Symphony Product Lines and the support of third party developers.

Howard FalconHoward served as the Director of Systems at Nova Information Systems, (Elavon), where he designed the Eclipse Back Office System, totally automating the Back Office services and support. Howard was also responsible for integration of portfolios purchased or merged for the company as well as all financial reporting. As the Sr. Director of Systems at PMT Howard designed and directed the development of a Single Point of Entry System, (IRIS), which reduced the cost and streamlined the back office operations by integrating external offices with internal processes.

Before entering the credit card processing environment Howard designed and managed the development of a printer operating system for Delphax, Inc. Howard was the ISV Manager for Lotus Development and was responsible for the development and upgrading of the Printer Drivers for its 123 Spreadsheet and Symphony Product Lines. At Phoenix Technologies Howard formed and managed the Software QA Group which developed testing procedures that were used internally and were eventually sold to clients as products. Howard also provided management and technical leadership for Raytheon Data Systems world wide technical support.