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Gem Lake | Innovating the Online Payment Experience <br /> Confidential & Proprietary © 2021 | 21 <br />In our biller portal, we offer a cashiering system in for in- <br />person payments that connects to several different PCI- <br />compliant credit/debit card readers. We also integrate directly with cashiering systems. <br />Customers pay by inserting or swiping their cards, and Invoice Cloud automatically updates the <br />customer's balance in your CIS. (Figure 27) <br />2.11 Intercept Bank-issued Paper Checks with Online Bank <br />Direct <br />Online Bank Direct™ (OBD) eliminates paper checks issued by online banking sites by keeping <br />them in electronic format. Your utility receives electronic ACH deposits instead, saving your <br />staff time and effort. OBD matches electronic payments (like lockbox files) to the payer’s <br />account. If the match is successful, OBD processes and uploads it into your billing system <br />(Figure 28). Artificial Intelligence remembers the matches and improves the process each billing <br />cycle. <br /> <br />Figure 28. OBD-intercepted pending payments. Stop processing paper checks from banks, saving time trying to <br />match them to accounts. <br /> <br />2.12 Automate Over-the-Phone Payments with Convenient <br />IVR <br />Figure 27. Ingenico card reader. <br />Secure, Painless IVR that Promotes <br />Self-Service <br />• One phone number for customers to dial <br />• Self-service ACH and CC payments