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Streamline Civil Proceedings with Online Pleas Solution

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Contrary to what some may believe, there is greater demand than ever for online access to local courts. According to a study by the National Center for State Courts (NCSC), over 80% of citizen respondents said that having the ability to manage cases and connect with court staff online would improve their experience. Court staff are similarly known to want online tools that alleviate some of the stress of their work.

Those citizens and clerks are getting what they want, thanks to an emerging solution called online dispute resolution (ODR) that uses technology to reach agreements. ODR technology can streamline administrative and judicial workflows, as well as facilitate payment processing. But what makes ODR better than traditional methods of dispute resolution?

What is online dispute resolution?

The development of ODR technology pulls from existing methods of alternative dispute resolution (ADR) and transposes them to a fully digital space. Through mediation, negotiation, and/or arbitration, citizens can settle disputes with each other or with the court in a way that serves all parties effectively and painlessly. ODR platforms frequently employ asynchronous communication tools and online portals that also enable citizens to pursue justice outside of business hours.

While ODR can be implemented differently from region to region, it is known to be most effective at resolving small-scale disputes and “inconvenient” infractions, such as traffic citations. However, ODR can also be used to resolve property, taxation, and domestic relations cases; much of its value comes from the fact that it can be applied to multiple judicial settings. By allowing citizens to serve themselves, ODR technology streamlines the court process and reduces the strain on court resources.

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nCourt’s Online Pleas Solution

nCourt brought ODR technology to the public in the form of its innovative Online Pleas Solution (OPS). The nCourt OPS enables citizens to work with the courts that serve them from anywhere at any time and helps them resolve their cases reliably and easily.

With nCourt’s OPS, courts and citizens alike enjoy a range of features, including:

  • Negotiation of domestic relations cases — Citizens can negotiate pre-decree cases (such as divorce or child support) as well as post-decree cases online with or without the help of the court or a third-party mediator.
  • Secure and private payments — Citizens can resolve outstanding fees with confidence that their data is protected.
  • Quick resolution of traffic and misdemeanor cases — Citizens can see their minor infractions resolved painlessly, from parking tickets to city ordinance violations.
  • Warrant and amnesty management — Citizens can track, prevent, and resolve failure-to-comply warrants; courts can also extend amnesties with the click of a mouse.
  • Civil claims resolution — Courts can use the solution to resolve small-claims, landlord-tenant, civil debt, and other cases; citizens can work with the court with or without the involvement of a mediator.

Benefits of OPS — “Virtual Court in a Box”

Virtual mediation has far-reaching benefits, one of which is streamlining administrative and judicial dispute workflows. OPS is a “Virtual Court in a Box” — it changes the paradigm between court representative and citizen, empowering citizens to take a more active role in their interactions with the court which promotes a willingness to pay and resolve matter quickly.

Today’s citizens are tech savvy and expect self-service options to engage with service providers. OPS supports this desire and satisfies the demand. In fact, by offering citizens a self-service option to resolve small-scale disputes (e.g., traffic citation), citizens can settle fines from anywhere, even outside of business hours, and communicate with court staff privately.

Additionally, OPS helps the court shorten lines and reduce the time needed to close cases. Robust functionality allows clerks to spend less time manually processing payments for minor infractions and decreases the need for law enforcement officers to track down late payments.

OPS presents a wide range of benefits for both court staff and citizens. ODR platforms such as nCourt’s OPS take advantage of the latest technology to expedite the processing and resolution of most minor infractions. By bearing the bulk of the administrative load, this solution relieves the pressure on administrative staff and equips them to do what they do best — bringing procedural justice to every citizen.

With nCourt, you can gain faster results, improve civic engagement, and boost your court’s bottom line. Learn more about our solutions, including nCourt OPS, by getting in touch today.

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Make Secure Online Tax Payments with Paylocalgov

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What makes a good tax payment solution? The answer may differ from person to person. Tax professionals may require a more comprehensive solution that offers robust functionality and security on the back end. Citizens, on the other hand, may ask for a streamlined end-user process that takes the headache out of paying taxes. The challenge for payment providers is to create a solution that will most effectively serve both parties. With the help of a secure, data-backed online payment platform, courts can make tax payment and processing easier and safer than ever.

What is an online tax payment solution?

An effective tax payment solution will feature a cohesive platform of services for local and state tax offices. These services may include those for billing, collections, and reporting, in addition to convenient tools for citizens. Because these features are based online and take advantage of new technologies, they offer greater flexibility and scalability than locally hosted systems.

Online payment technology also enables courts to accept multiple methods of payment, including direct pay through a dedicated account or via debit or credit card. In many cases, payments can be made on mobile devices, meaning citizens can verify what they owe and pay their taxes and other fees from anywhere, at any time.

Of course, these expanded capabilities mean tax offices have more to consider than convenience alone. Online tax payment platforms — particularly when accessed from mobile devices — are susceptible to security breaches. This has become a priority for many payment providers in the wake of several high-profile attacks, and any good online tax payment platform will feature strong protective measures for financial data.

What is the role of data integration?

The most important attribute of any online tax payment solution — perhaps more so than the payment itself — is how the platform handles financial data. Some features tax professionals should look for include:

  • Seamless integration with backend software — This helps ensure taxes are processed efficiently and privately.
  • Ability to process data-backed payments — This is crucial today, since a considerable portion of finances are digital.
  • Securely hosted data on the agency’s website — A good solution provider will develop and maintain this website on behalf of agency staff.
  • Payment files posted back into the agency’s software — Data remains up-to-date and in the hands of those who need it most.
  • Payment files logged and accounted in a client admin portal — Files are easily accessible from a central digital space.
  • Data backup and disaster recovery capability — This is critical to protect and/or restore data that may be compromised due to unforeseen circumstances such as ransomware or other cybersecurity attacks.

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What is Paylocalgov?

Paylocalgov is a component-driven platform that may be custom-tailored to local or state agencies for a range of tax payment needs. It offers access to real-time data reporting through its own dashboard, including time-saving analytics and filters for detailed account activity. Paylocalgov accepts multiple payment options, including digital and mobile payments, making tax payment a breeze for tech-savvy citizens. Most importantly, it features multiple layers of security at the highest level of PCI compliance, meaning citizens can rest easy knowing their data is safe.

A powerful online tax payment solution is about more than just the payment. Security, flexibility, and data integration all factor into making an effective payment platform. With Paylocalgov, local and state agencies can take advantage of the latest technology, and citizens — no matter where they are — can take comfort in knowing their payments will be filed easily, safely, and on time.

With features that can be customized to fit any agency’s needs, Paylocalgov makes it easier than ever for citizens to make tax payments and for governments to collect those payments. To learn more contact us at paylocalgov.com.

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Modular Court Technology: The Court Component Model

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There is an alarming trend among court managers — the tendency to acquire technology without fully understanding how it works, or if it will translate to success in their specific court. They may also fail to recognize that their newly adopted suite of court management services will likely no longer meet their needs in a few short years. With new technology hitting shelves every day, court managers may feel overwhelmed when deciding on a solution to meet their business requirements. Fortunately, courts can take a modular approach to technology adoption, called court component modeling, that will equip them to adapt to new challenges.

What is court component modeling?

One way to define court component modeling (CCM) is to compare it to the traditional approach to court technology. Most case management systems (CMSs) are applied as monolithic, one-size-fits-all suites; while comprehensive in some cases, this approach is known to be ineffective in a rapidly evolving market. In contrast, the component model is highly modular and allows courts to mix and match programs for their individual needs, even if the programs come from multiple vendors. With CCM, courts can adopt technology based on their business strategy — rather than the other way around — and meet emerging business requirements by adjusting or supplementing their components instead of replacing an entire suite.

Components are also designed to be platform-agnostic in their interactions with other programs, independently deployable, and highly scalable. When combined with guidance from a trusted technology provider such as nCourt, these components will be easier to adopt and use than full, restrictive suites.

How is a court component model implemented?

In order to begin the adoption process, court managers should assess their business needs by asking themselves and their team a range of questions, including:

  • What tools will allow us to meet our current needs without restricting us in the future?
  • What are the gaps in our technological environment, and what technologies exist to help us fill those gaps?
  • What are the needs of our citizens, and how will the tools we select improve their access to procedural justice?

It may also help for court leaders to view their computing environment as an array of technological building blocks, rather than a consolidated CMS. From there, they can decide which components to use.

Components often are categorized as either case management or supplemental components. Case management components may include the central case manager many courts are accustomed to, as well as a financial manager and a document manager. Supplemental components may include e-filing tools, evidence management, and ePayment services. There are many more, depending on the provider, but the beauty of the component model is that it allows courts to exclusively pick and choose the tools they need to manage cases.

What are the benefits of court component modeling?

By creating a modular technological environment that can evolve with the market, CCM positions court professionals to be ready for the future. It also enables them to fill the gaps in service that may have existed under the traditional approach to technology. Courts that adopt CCM-based systems will be free to create a best-in-class solution composed of components from diverse vendors.

Inflexible courtroom technology can create challenges for clerks and professionals alike. With the help of the court component model, however, court leaders can make real change in this area. When court leaders do the proper research and choose the components that will have the greatest impact in their court environment, they will be better equipped to face coming changes in the industry.

The market for court technology is evolving faster than ever. Fortunately, nCourt is here to help local and state courts adapt to these changes and serve their citizens. Contact us today to learn more.

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Digital Payment Solutions for Child Support

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For parents and children in the child support system, nothing is quite as important as ensuring payments are delivered on time and with regularity. A missed payment may create an undue financial burden on custodial parents and their children. Delays can similarly cause unwanted strain on court professionals; the time and energy they spend tracking down payments could be better used serving citizens. What are parents, children, and clerks to do?

What are the drawbacks of the traditional system?

The traditional methods of collecting court-ordered child support payments rely on factors that are too often unreliable. These include payments delivered in-person or by mail in the form of cash, check, money order, or bank draft. The risk of a late or even missed payment increases when courts and citizens are restricted to these methods, which may, in turn, cause challenges for all parties involved.

The traditional system also requires extensive resources from the court; the cost of paper checks, supporting documents, and postage can add up quickly. In addition, the court’s reliance on human clerks to manually process each payment increases the risk of data entry errors, which cause even more delays. The issue is that regular child support payments are expected within a system that cannot guarantee regularity. The question we are left with is, “How can providers ensure that regularity?”

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How can a digital payment solution help?

Modern technology means modern solutions in the form of digital child support payments. According to the U.S. Department of Health and Human Services, the precedent for digital payment options has been in place for some years. The challenge for courts lies in implementing this digital technology.

In many cases, digital payment options include direct deposits to a custodial parent’s bank account or payments deposited into a stored value card account. Some payment providers even allow citizens to use online services such as PayPal. With tools designed to make the process as efficient as possible, digital payment solutions offer benefits across the board at little to no extra cost to state governments.

  • Recurring payments — This helps reduce the financial strain on families that may not be able to deliver cash payments on a timely basis. Thanks to options such as automatic recurring payments and guaranteed funds options, citizens can follow plans that suit their circumstances.
  • Fewer delays — When citizens can pay from anywhere, at any time, and in minutes, they have a greater incentive than ever to be on time. Similarly, digital payments help court professionals cut down on processing time, and custodial parents are guaranteed to receive their payments much faster.
  • Lower burden on clerks — Court professionals can track payments more easily and face shorter lines. Likewise, they can spend less time manually logging payments, allowing them to focus their efforts on helping citizens face-to-face.
  • Reduced financial impact — Although some citizens will prefer to pay in person or by mail, courts will pay less overall for paper checks, documents, postage, and processing.

Courts that offer a spread of digital payment options, including one-time, recurring, and partial payments help citizens make payments on time and without undue hardship. Having these options in place increases the likelihood that payments will be made on time and in full.

It pays to go digital

With the help of digital payment options for child support, citizens will have greater confidence in their court and can take comfort in knowing that their access to justice extends to child support services. Digital payments help reduce the financial strain on custodial parents and children, helping all parties achieve a new peace of mind.

nCourt offers digital payment solutions for child support at the local and state levels. To learn more, contact an nCourt expert today.

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Mobile Wallets Continue to Increase

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Mobile payment transactions are on the rise, with market researchers expecting an increase of more than 200% in mobile payment transactions in 2017. This trend has left many courts, government agencies, and legal agencies wondering how the growing popularity of mobile wallets will affect court and other payment processing.

Mobile Wallets Defined

A mobile wallet, as its name implies, is simply a virtual version of a physical wallet. It can store payment debit and credit card information, coupons, reward cards, and the like on a mobile device, enabling users to pay merchants who offer mobile payment services. Mobile wallet services, such as Apple Pay and Android Pay, ease the payment process for both users and those accepting payments.

Benefits of Mobile Wallets

Gartner forecasts that the worldwide mobile payment market will have more than 450 million users and a transaction value of more than $721 billion in 2017. With this incredible surge in the adoption of mobile payment applications and services comes opportunities for both government agencies and their citizens. So, what are the benefits to offering mobile wallet services?

  • Decreased payment time. With transactions processed immediately, payment reaches the agency quickly and efficiently.
  • Better security. Mobile wallets are more secure than their physical counterparts, giving users and agencies better peace of mind.
  • Convenient and efficient. Paper receipts are always inconvenient to keep. While it is important to keep a record of your transactions, paper receipts are not convenient nor efficient. Being able to have utilized mobile wallet services eliminates that stress.

Mobile Wallets Increase Payment Options in Government Agencies

As with financial institutions and retailers, government agencies can benefit from the flexibility and ease of use offered by mobile payment transactions. By giving citizens the ability to pay with debit and credit cards, Apple Pay and Android Pay, government agencies enable convenient payment in whatever format works best for citizens. This approach helps ensure quick and timely payment without processing hassles and overhead and enables courts and government agencies to improve customer service while reducing processing burden.
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NFC Payments in 2017 and Beyond

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Likely, you’ve heard of Bluetooth, radio-frequency identification (RFID), or quick response (QR) codes but perhaps haven’t heard of the umbrella term near field communication (NFC). NFC is contactless communication of wireless data transferred between devices, such as tablets, card readers, and smartphones. The data detects and enables technology in close proximity to communicate without the need for an internet connection. Using RFID technology, an NFC chip operates as part of a wireless link. Being able to activate and transfer data between devices then takes place and therefore, where mobile payments can be accomplished.

Even as users and service providers alike work to wrap their heads around mobile payments, the mobile payment industry continues to rapidly evolve, with major growth taking place in the NFC payment arena. As the technology has evolved, it has increased the range, speed, and messaging capacity of wireless devices.

NFC Is Here to Stay

If you’ve invested in the latest Apple phone, you’ve already felt the push toward NFC technology—Apple didn’t include a physical headphone jack, forcing users to embrace wireless connectivity to connect their wireless headphones to the phone. Through experiences like these, users will become more comfortable with wireless technology, and wireless payments will continue to become ubiquitous.

Benefits of Accepting NFC Payments

As mentioned in our recent mobile point-of-sale (POS) post, wireless payment offers many benefits to government agencies. In addition to providing another payment option, NFC payment platforms make the payment process easier, more secure, and more efficient. With credit and debit card data stored on a mobile device through an NFC tag, citizens can simply use NFC to connect to an agency payment processing NFC device to make payments. These payments process efficiently, making the funds quickly available to courts and making the whole process as easy as swiping a device.

NFC for Government Payments

With wireless technology employed for everything from jamming out to iTunes to photo sharing among devices, it was only a matter of time before NFC payments became popular. For busy moms checking out at the grocery store to hipsters buying a flat white at the coffee shop, NFC is becoming the norm. By offering mobile payment processing through NFC technology, courts and government agencies can increase efficiency, improve payment security, and enable convenient payment methods to citizens.
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Why PCI Compliance Is Still Important

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PCI compliance can seem like one more burden on payment processors, but maintaining compliance offers security-related benefits to courts and government agencies.

PCI Compliance 101

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards developed by an independent body to ensure that any company that accepts, processes, stores, or transmits credit card information does so in a secure manner. Developed in 2006, the PCI standard is designed to make sure all credit card processors are held to a security baseline.

Understanding the PCI Levels

The PCI defines levels of compliance to determine an organization’s risk and appropriate security requirements based on their combined transaction volume over a 12-month period—including credit, debit, and prepaid cards. The four levels of compliance are:

PCI Compliance Level 1
More than 6 million Visa and/or Mastercard transactions processed per year

Validation Requirements:

  • Annual Report on Compliance (“ROC”) by Qualified Security Assessor (“QSA”) – also commonly known as a Level 1 onsite assessment – or internal auditor if signed by officer of the company
  • Quarterly network scan by Approved Scan Vendor (ASV)
  • Attestation of Compliance Form

PCI Compliance Level 2
1 million to 6 million Visa and/or Mastercard transactions processed per year

Validation Requirements:

  • Annual Self-Assessment Questionnaire (“SAQ”)
  • Quarterly network scan by ASV
  • Attestation of Compliance Form

PCI Compliance Level 3
20,000 to 1 million Visa and/or Mastercard e-commerce transactions processed per year

Validation Requirements:

  • Annual Self-Assessment Questionnaire (“SAQ”)
  • Quarterly network scan by ASV
  • Attestation of Compliance Form

PCI Compliance Level 4
Less than 20,000 Visa and/or Mastercard e-commerce transactions processed per year as well as all other companies that process as many as 1 million Visa transactions per year

Validation Requirements:

  • Annual Self-Assessment Questionnaire (“SAQ”)
  • Quarterly network scan by ASV
  • Attestation of Compliance Form. Note: Ultimately, Compliance validation requirements set by acquirer

An organization’s level of compliance is determined by card brands based on processing volume. Thus, a service provider might start at level 4 and over time become a level 1 provider as a result of an increase in the number of transactions processed; maintaining compliance with PCI DSS is crucial.

The Security Benefits of PCI Compliance

In addition to being good security practices, PCI compliance can help courts and government agencies ensure they are maintaining a secure environment. The PCI standard facilitates continual identification of developing and ongoing threats and vulnerabilities, helping your organization stay safe from data breaches.

Consider, for example, the Home Depot data breach where hackers used malware-infected software to steal millions of customer credit and debit card numbers. Proper implementation of PCI standards, which require routine vulnerability scans among additional security processes, would have saved the company the $19.5 million in settlement costs as well as the brand damage done. Additional PCI protocols that help protect from malware and other attacks include requirements for:

  • Proper implementation of role-based security as well as user authentication
  • Secured connections for sensitive data transmissions
  • Detailed logging for audit reporting
  • Employment of strong encryption

Do you know the PCI compliance level of your service provider?

Compliance requirements can be overwhelming but partnering with the right payment services provider, government agencies can rest assured their payment transaction processes are compliant and secure. In addition, seeking out a payment services provider who qualifies as a “PCI Compliance Level 1” means you do not have to worry about finding and vetting another payment services partner should your annual transaction volume increase over time. You’re covered, secure, and compliant.
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What is Mobile Point-of-Sale (mPOS) Technology?

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Mobile point-of-sale (mPOS) technology enables payment through online, tablet, and mobile phone avenues and it is growing in popularity by the moment. Basically, with an mPOS app installed, this technology makes a wireless device act as a cash register or electronic point-of-sale terminal. The app is linked to the users’ credit card or bank account, and the business or organization taking payment simply uses a digital reader to conduct the whole transaction. So instead of carrying a wallet and checkbook and going through a manual payment process, mPOS simplifies payment by using whatever wireless device works best for the user.

A report from Global Market Insights reveals the current widespread adoption of mPOS technology as well as its bright future. According to the report, mPOS terminals will have a compound annual growth rate of more than 19% from 2016 through 2023. At this rate, payment via wireless technology will quickly become the norm from industries ranging from healthcare to grocery shopping.

Mobility Equates to Convenience for Courts and Citizens Alike

Enabling citizens to make payments via mPOS terminals is a win-win for both courts and payees. The convenience of mobility offers the following benefits to courts and citizens alike:

  • Reduces overhead costs
  • Makes it convenient and easy to make payments
  • Increases productivity and simplifies the process of those taking payments
  • Eliminates the time delay of payment processing

How mPOS Increases Value

mPOS technology is quickly and continually evolving. As such, current mPOS terminals provide additional value to judiciary systems and the citizens they serve. These developments are making it even easier for citizens to make payments wherever and whenever it’s convenient, saving time and effort for courts. The reality is, it’s become critical for all service providers (including the courts) to keep a pulse on technology. Although there are—and always will be—other payment options available, mPOS has proven to be the preferred payment option for everything from hamburgers to doctor’s visits. As such, courts need to ensure their technology can interface with citizens’ mobile payment preferences. As this technology becomes more available to cash paying citizens, courts should be focused on making mPOS a viable form of payment before the market opens—not after. Early adoption and staying ahead of the curve ensures public trust and positive opinion and eases the processing burden on courts.

Omni-Channel Payments are the Optimal Option

The rapid widespread adoption of mPOS highlights the importance of omnichannel payments. With nCourt, you can offer citizens’ multiple payment options, including online, phone, or at the counter in your offices. Our innovative payment solutions offer citizens the ability to pay for traffic citations, parking tickets, restitution, court fines and fees, probation, and more using a major credit or debit card and with no processing costs to you. In fact, citizens can pay using any mobile device, including smartphones and tablets. Simply request your free payment processing demo and we will be happy to provide an overview!
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