B3 for Banking

Integrated, Modular Electronic Commerce and
Payment Solution

B3's solution is modular, so you can select whatever solutions or components you need to complement your existing back-end capabilities. In addition, your SMBs can create comprehensive e-commerce offerings from scratch, or make their existing websites transactional and more profitable—tailoring solutions to suit their specific requirements. B3's e-commerce-enabled solutions deliver exceptional functionality, employing a sophisticated "rules-based" infrastructure leveraged for our many Time Warner websites. This really sets us apart from other, less experienced vendors, yet you save substantially compared to solutions that require complicated and costly integration and management of products from multiple suppliers. Finally, each module of our solution was developed in close cooperation with our financial institution partners and SMBs to ensure that the end result addresses your needs and those of your customers. All you have to do is guide us in configuring the solution to meet your needs, and you're ready to deliver complete one-stop shopping solutions for your customers.

B3's Internet-based e-commerce and e-payment solutions:

• Are available to you and your customers bundled or unbundled, with components including a proprietary payment gateway, shopping cart, storefront builder, and fully integrated promotional website
• Include ongoing support for you and your SMBs
• Feature an innovative risk management system

Your benefits include:

• Increased payment transaction revenues
• Enhanced retention of your merchant base
• Lower total cost of ownership compared to managing disparate systems. B3 intends to leverage our infrastructure to create additional payment platform modules in the future

BuildIT

Comprehensive E-Commerce Solution

BuildIT is a comprehensive, web-based solution for creating an e-commerce website. It is the perfect self-service solution for your SMB customers to support and manage their e-business—while your institution builds customer loyalty and grows revenues.

With BuildIT, you get an end-to-end solution that:

• Provides everything your customers need to e-commerce-enable their business
• Enables your SMBs to accept debit and credit card payments, and when integrated with your ACH system, handles e-checks as well
• Is easy to set up and use—with all infrastructure technology services managed by B3
• Is easy to enhance as your customers' businesses grow and change
• Teaches your customers how to run an online business so their business continues to run smoothly
• Delivers everything your customers need to accept payments online

SellIT

E-Commerce Enable an Existing Site

SellIT is ideal for customers that want to upgrade their existing promotional websites to fully e-commerce-enabled web stores. The SellIT module:

• Provides everything your customers need to e-commerce-enable their business
• Enables your SMBs to accept debit and credit card payments, and when integrated with your ACH system, handles e-checks as well
• Processes phone and mail order sales in addition to online business
• Includes an easy to integrate secure shopping cart that streamlines order processing and management
• Supplies key back-end capabilities such as secure, accurate order calculation and processing
• Is easy to set up and use—with all infrastructure technology services managed by B3
• Collects and guards sensitive information collected during the order process
• Delivers a complete shopper communication system to track and communicate the order status to your customers' end shoppers

PayIT

Accept Payments Online

PayIT puts efficiency into e-commerce by providing a complete payment processing solution for all of your customers that need to add a real-time payment gateway solution onto their existing website, or upgrade the capabilities of an existing website. B3's PayIT module:

• Features robust, sophisticated payment processing with complete security
• Accepts multiple payment types—enables your SMBs to handle debit and credit card payments, and when integrated with your ACH system, works for e-checks as well
• Processes phone and mail order sales in addition to online business
• Easily integrates with your customers' existing websites to handle online, real-time payment authorization
• Collects and guards sensitive information obtained during the order process
• Offers a scalable system that can easily grow as your customers' businesses grow

PromoteIT

Give Your Products and Services Web Exposure

PromoteIT is the answer for product-based companies that want to "test the waters" first before diving into e-commerce, or for service-based companies that want to increase their web exposure. PromoteIT's "point and click" tool allows merchants to build a simple non-transactional website, quickly and easily. You can also offer PromoteIT to retailers that want to take the first step toward selling online, with the option of upgrading to accept payments on their website at a later date. Our PromoteIT module:

• Enables your small- to medium-sized customers to create affordable, professional websites quickly and without any technical expertise—keeping you out of the support business
• Provides an online presence for your customers that want a non-transactional website
• Is very easy to set up and use
• Simplifies upgrading to a fully functional transactional storefront when customers are ready

SaveIT

Fully Functional E-Wallet

SaveIT offers a robust, fully functional eWallet that is fully integrated into our BuildIT and SellIT solutions: B3's SaveIT module:

• Provides quick and easy checkout for your customers' buyers
• Increases your customers' e-commerce sales by decreasing shopping cart abandonment
• Lowers your customers' support costs by providing online access to order status information

Risk Management System

For Financial Instutions and Merchants

Are you looking for a way to reduce your risk or that of your customers engaged in e-commerce? B3 can supply a completely automated, proprietary, real-time risk management system that does precisely that for FIs and your business customers. The system is comprised of two parts:

• Online merchant enrollment and risk-decisioning engine—This lets you offer real-time, online customer approval and enrollment services to your entire merchant base. The online decisioning engine gives you the ability to provide flexible acceptance criteria by coupling this engine onto our transaction fraud system, which ultimately balances your overall risk portfolio
• Transaction fraud system—This provides your merchants with the same service used by Wells Fargo and eBay, which helps minimize risk and fraud by consumers. By using the system, you can reduce merchant fraud and provide your merchants with:
  • Online transaction authentication services
  • Transaction risk assessment that evaluates and flags transaction data that might otherwise go undetected through the usual processing channels—resulting in a fraudulent charge or purchase