7/18/2013 eWIC Webinar 1: eWIC Basics – Getting Started eWIC Basics Wednesday, July 10, 2013 – 9:30-10:30 Kim McGee Log into the webinar using the link sent with Oregon WIC Training Coordinator registration. Kimberly.o.mcgee@state.or.us During this webinar we will… What is eWIC? • The term used by Oregon to describe issuance • Provide an overview of food benefit issuance of benefits to participants via Electronic in an eWIC environment Benefit Transfer (EBT) • Discuss common terms and acronyms used for • EBT is like using a “debit” card for purchasing eWIC WIC foods • Review the local agency role and the role of • No more vouchers! the eWIC banking contractor, JP Morgan 5 6 1
7/18/2013 eWIC Banking Connection eWIC Contractor - JPMorgan Chase • Since participants will use their eWIC card to pay for WIC foods, JPMorgan vendors will get paid by the bank associated with the card. • WIC uses a banking contractor to provide these EBT services Vendor Oregon WIC • Oregon contracts with JPMorgan Chase, commonly referred to as JPMorgan or JPM Cardholder with eWIC Card 7 8 TWIST and JPM Local Agency Roles • TWIST and JPMorgan systems will talk directly with each other behind the scenes • CPA’s will still assign food packages. • Local WIC staff will use TWIST to perform • LA Staff will issue food benefits, enter data most eWIC functions into TWIST that JPMorgan needs to authorize purchases for participants, and issue eWIC cards. 9 10 2
7/18/2013 You will still work in TWIST Info needed for eWIC A-B-C-C • TWIST will still do WIC functions such as • A = Account set up certification, appointment scheduling, food benefit assignment and issuance. • B = Benefits issued • Changes in TWIST will be on screens connected to • C = Cardholder assigned benefit issuance, such as Food Package Assignment and Family Summary Screen. • C = Card issued • Voucher printing/tracking will go away. • A new Family Cardholder Screen (FCS) will be where card holder information is entered and eWIC cards are issued. 11 12 Electronic Benefit Account (EBA) A = Account set up • EBA stored at JPM • JP Morgan will have no • Each WIC family will have one family WIC Participant 01 individual participant data account at JP Morgan (think family checking account) Family • “Electronic Benefit Account” or EBA Account Participant 02 (WIC • Identified by WIC Family ID # Family ID) • Happens automatically when benefits are assigned or a card is issued Participant 03 13 14 3
7/18/2013 B = Benefits issued Aggregate Benefits • Benefits for individual Participant participants will be grouped 01 food benefits together by family (think • Benefits will still be assigned on the Food multiple deposits into a single Package Assignment Screen checking account) at JPM Aggregate • Benefits will be issued to the account via the • Benefits will be debited from Participant Benefit 02 food family account as foods are benefits Family Summary Screen for family purchased with the eWIC card • JP Morgan has no record of which participant’s benefits are Participant being purchased 03 food benefits 15 16 = Card issued = Cardholder Assigned • eWIC card is issued to cardholder(s) • LA Computers will be equipped with eWIC • Can have 2 cardholders per family/EBA, with Card Readers, whose only function is to read the first cardholder being a parent or guardian the 16 digit card number ( or PAN) and type it from the household (second cardholder can on the computer screen. be anyone) • The card is linked to a cardholder, not a • Enter cardholder name, address with zip code, participant. date of birth on the Family Cardholder Screen (FCS) in TWIST Primary Account Number (PAN) 17 18 4
7/18/2013 eWIC cards and cardholders By the numbers Cardholders and cards are Three different numbers: associated with a family •First EBA- Electronic Benefit Account number (Same as WIC family electronic benefit eWIC ID number) account, not a Cardholder PAN - Number on the eWIC card participant. card •Required PIN – Security set by the cardholder Unique Card PIN set by first First Cardholder Number (PAN) cardholder Family Electronic Benefit Account •Second PIN set by Cards are Second Unique Card second eWIC Cardholder Number (PAN) cardholder activated when Cardholder card a PIN is set via •Optional website or phone. 19 20 TWIST Benefits List A new way to organize foods • Foods that are approved to purchase • With no vouchers to look at, with WIC will be part of an Authorized how will participants know Product List or APL . what food benefits have been issued? • USDA/FNS has developed a standard for organizing the foods on the APL into • A new TWIST report, “the categories and subcategories that must Benefits List,” will show the aggregate food benefits issued be used by any state implementing EBT. to the family for each month • This standard will be used to organize with start and end dates for foods in TWIST and on the Benefits List use. 21 22 5
7/18/2013 A Sample of Cats and SubCats Cats and SubCats • Categories (Cats) are broad groups of foods, for example legumes, eggs, lowfat milk etc. • Sub Categories (SubCats) are more specific groups of foods within a category, for example peanut butter is a subcat within the category of legumes. 23 24 Family Benefit Balance Time to Shop! Participant • Benefits will be 01 • Cardholders will use the card at a vendor to pay 3.25 gal lowfat milk aggregated for the for food benefits. family by Cat and • The eWIC card and PIN is used to access the SubCat Account account when benefits are purchased at a vendor balance = Participant • Benefit balance will 02 (think using a debit card to make a purchase 8 gal lowfat 4.75 gal lowfat milk milk, 3.25 gal show the amount using funds from a checking account). whole milk available in the • “Benefit Balance”, or remaining food balance, for account by Cat and the family account will be tracked by JPM. Participant SubCat 03 • Benefits are not stored on the eWIC card. 3.25 gal whole milk 25 26 6
7/18/2013 Time to Shop! The APL and Shopping • The APL or Authorized Product List is the database 1. The cardholder can select foods for purchase with the of all the authorized foods on the Oregon Food List help of the Food List and the Benefits List. that JPM will use to verify that purchases are okay. 2. The UPC on the selected food will be checked against • It includes product UPC/PLU for over 9000 different the APL. products organized by Cat and SubCat. 3. If the food is on the APL the account will be checked for adequate balance for the selected food’s Cat and – UPC – Universal Product Code. Sub Cat. – PLU – Price look-up, used on produce . (Foods not on the APL will not go through and the clerk cannot override this.) 4. The Electronic Benefit Account is debited the appropriate quantity. 28 Benefit Balance Accessing Benefit Balance • The Benefits List for the account Phone – Interactive Voice shows 8 gallons of lowfat milk Response (IVR) • Cardholder chooses 1 gallon of non-fat and 1 gallon of 1% milk U-Card Cardholder Website • At the check stand, the cardholder swipes the card and Cardholder with Cash register receipt enters the PIN to pay for the 2 eWIC card and PIN gallons of milk. Customer Service desk at • The new benefit balance on the Vendor receipt will show 6 gallons of lowfat milk available. Phone -Customer Service Representative 29 30 7
7/18/2013 A Cool Thing About Family Aggregated Summary Food Benefits! Foods Package Participant Cat and Assigned to SubCat quantities Assigned foods Participant NEW larger packages allowed for some foods – are combined in a translated to Cat Family Aggregate and Sub Cat and sent to EBA • 2lb block of authorized cheese • 32 ounce bag of dried beans Specific APL is organized allowed foods APL is sent to into Cat and Sub are put on the Vendors Note: Bulk beans and rice will no longer be available, Cat. APL they do not have a UPC or consistent PLU. 32 Food Benefit Issuance Flow – Initial Assignment TWIST Functions JPM Function Cardholder Pieces come together at the Store FPA - food package FSS - WIC family shown assigned by CPA, each together, individual All WIC benefits for a participant has an records family combined individual record (aggregated) by TWIST Benefits Issued replaces using cat/subcat to group print functions and like foods and sent to JPM FPA Save = triggers process to send 1. Cardholder shops and selects foods as a single benefit record. EBA set up and benefit to JPM Benefits Assigned from their benefit balance and on the WIC Family ID # becomes • Participant 01 • Participant 01 the JPM Electronic Benefit food list for purchase. Account ( EBA ) number • Participant 02 • Participant 02 2. APL is checked to verify food is Family Benefit available to Benefit List from • Participant 03 • Participant 03 WIC shows family cardholder. allowed. benefit issued. Button to run “ Benefits Cardholder uses Benefit balance can be List ”–shows combined 3. EBA is checked for adequate balance. accessed via JPM card to access monthly benefit balance benefits at store. resources (IVR, CSC, Web for family. List can be 4. EBA is debited appropriately. portal) to track family Cardholder receives printed for cardholder. receipt at purchase benefit remaining. with new benefit balance. 33 8/16/12 34 8
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