Ahead of this year's holiday season, consumers charged more to their credit cards for second straight month. Robust holiday spending is driving the speculation that U.S. consumers are shifting their use of credit and debit toward credit. Early spending patterns do suggest that total credit card spending is increasing, as it has all year. Worldwide, consumers carry more than 1 billion Visa cards alone. More than 450 million of those cards are in the United States. The number of U.S. identity fraud victims rose 12 percent to 11.1 million adults last year. Credit and debit card fraud is the No. 1 fear of Americans in the midst of the global financial crisis. Concern about fraud supersedes that of terrorism, computer and health viruses and personal safety – one in ten Americans have already been victims of credit card fraud. Software.net found that as many as 40% of its transactions were fraudulent. Expedia.com lost $6 million due to fraudulent credit card purchases.

During the holidays and throughout the year, contact centers that engage in catalog sales, up-selling and/or cross-selling, service providers, and collection companies that take payments in the form of credit or debit cards can become unsuspecting targets of cyber criminals. The card information is typically entered by agents into a CRM or other sales automation software and may be recorded by voice and screen recorders. And there it resides - thousands and even millions of card records inviting remote criminals or even greedy employees to extract consumer card data for personal gain or sell into a sophisticated secondary market.

The payment card industry (PCI) established a Council to define technical standards aimed at minimizing the risk of cyber crime to the misuse of credit cards. The Council subsequently issued a Data Security Standard (PCI DSS) which details security requirements for members, merchants and service providers that store, process or transmit cardholder data. Contact centers and other organizations that accept credit card payments are generally prohibited from archiving sensitive information such as account numbers and security codes after payment authorization has been received. Compliance to PCI-DSS is now mandatory for all non-credit card 'issuing' organizations dealing with credit, debit and ATM cards, as defined by the PCI Security Standards Council - size of an organization and its annual sales are no longer a factor for exceptions. While being compliant to PCI DSS - an already daunting task - is the first part, it it also required that you prove your organization's compliance to PCI-DSS. This PCI Audit is performed either with a set of questionnaires or by a Qualified Security Assessor, external to the organization.

On October 28, 2010, the Payment Card Industry Standards Council made a major update to the PCI Data Security Standard to clarify it. PCI DSS version 2.0 went effective on January 1, 2011. In PCI DSS version 2.0, the PCI DSS standards were clarified to require that no sensitive credit card information be stored within recorded calls, even if those calls are encrypted. The standards committee made the change because of the availability of sophisticated malware that could penetrate encryption algorithms. Organizations that do not take action by December 31, 2011 to ensure compliance with these new PCI call recording requirements could face costly fines. 

Achieving PCI DSS Compliance

To help organizations ensure compliance and avoid costly fines, VPI has developed an effective, affordable solution. The VPI CAPTURE PCI call recording system has the ability to detect when an agent enters an application screen with sensitive information, when sensitive information is inputted, and when they leave a screen containing sensitive information.  The VPI telephone voice recording system then has the ability to promptly mute sections of recorded audio and mask screen video during this sensitive portion of the call.


To further secure sensitive information, the VPI CAPTURE PCI DSS call recording system help you:

• Secure File and Data Transport and Storage Encryption – VPI uses built-in end-to-end data encryption and key management to secure the SQL database that holds attributes of all recordings. The media manager provides for AES 128, 192, 256 or variable bit encryption/decryption when files are stored and accessed from the media manager.
•  Ensure Authenticity with File Watermarking - Every call within the VPI system is wartermarked in real time to ensure authenticity. VPI offers a powerful application to validate the authenticity of any WAV file.
• Monitor User Activity with Detailed Audit Log Reporting – VPI records all user activity within the system so that organizations can conduct full trace audits to determine who accessed any recording in the system and when - for playback, export, or any other critical events.

Credit unions and community banks are increasingly coping with federal and local legislation, interest rate hikes and volatility in capital markets, all of which entails placing greater emphasis on local and regional customer retention, quality assurance, internal controls, as well as more careful compliance and risk management. Although these smaller banks share many common challenges with large contact centers, they have unique needs that can be addressed using today’s modular, highly customizable call quality monitoring and workforce optimization solutions.

Small- to mid-sized financial services contact centers face a number of operational challenges relatively unknown to the larger contact center. With limited resources and shrinking budgets, a Branch or Regional Manager for smaller contact center needs to carefully keep an eye out for inefficient practices to find opportunities for cost reduction. He or she needs to carefully plan capital expenditures, and training investments, while keeping up with significant hardware and software investments within their broader organization.

Traditionally, customer service and help desk environments are known as high-turnover environments. This is rather typical for smaller financial services contact centers as well, where employees tend to consider helpdesk positions to be transient or temporary. To anticipate and reduce the impact of this phenomenon, it is best in the early days of their careers to give agents some time off the phone for cross-training and multi-skilling to respond to email or perform other administrative duties while they are mastering the skills to becoming expert contact center professionals.

Another necessity is ongoing training to keep them engaged, alert and empowered to resolve customer issues quickly, while they answer phone calls during their careers. In fact, with today’s tightly integrated quality monitoring and coaching software tools, skill development can be highly personalized according to the needs and objectives of each agent and simultaneously targeted directly at business goals of the contact center as well as the broader home organization. Gartner predicts that staffing will account for up to 80% of contact center budgets in the new world of customer interaction. The need for such a substantial investment just cannot be left to a chance. Yet, it is often an area that is overlooked and not really routinely reviewed by managers.

Regardless of size, every contact center must provide excellent customer service, reduce costs and maintain a healthy profit margin to thrive in the new economic model. By adopting advanced technologies for monitoring quality and optimizing customer-service and contact centers — including analytics-driven call center quality assurance systems that help identify and automate routine contact-center and customer-service tasks — mortgage companies and credit unions can dramatically affect their performance and profitability.

By now, most successful contact centers have already adopted at least baseline grade digital call recording and quality monitoring solutions. They are the fundamental building blocks for any type of workforce optimization solution, but they are just a start that may be due for review and re-evaluation, especially if they come from early generations of quality monitoring that couldn’t see beyond the horizon of individual agent compliance with (possibly outdated) internal rules and policies. These older technologies did not really have a good way of connecting standards for customer/agent interactions with evolving business objectives of the bank, let alone being able to incorporate voice of the customer into any part of the quality management process. The good news is that the call center quality assurance technologies evolved to the point where contact centers can focus the entire process onto what really matters and what can make the biggest impact on business performance, without losing any objectivity in assessing agent performance. In fact, evaluating agents based on their quantifiable contributions to the contact center’s business success supports their drive to do well, succeed in their jobs and avoid defection.

The proverbial “needle in a haystack” is now rather easy to find – with the implementation of advanced desktop screen analytics, supervisors can easily identify and evaluate the calls that resulted in a customer cancelling their account and taking their business elsewhere. Or the calls where agents attempted an upsale successfully or unsuccessfully, or where they saved a customer by resolving their issue during the first call – even without unnecessary concessions. Instead of wasting time and adding costs with reviewing completely random selection of low-value calls, why not concentrate on evaluating those calls that provide insights into the bank’s business practices every time, so that something could be done about it before opportunities are missed or lost forever?

Real-time performance management and automated E-Learning tools are the latest additions to the workforce optimization family of solutions that can be closely tied into quality management processes, to provide options for action mechanism whenever a manager needs to be notified or agent supported by just-in-time help.

The decision to choose one solution instead of another depends on a company’s needs, goals and circumstances, but with modular workforce optimization software suites, there is a sensible, financially sound path for every budget and objective.

The beauty of a completely integrated suite of workforce optimization applications is interoperability. Each individual solution has valuable capabilities, but multiple solutions can work symbiotically to provide even greater results. Beyond the immediate improvement of contact center performance involving operating costs, workforce optimization solutions allow for quick decision making which in turn helps resolve issues for customers. Easy access to call recordings can help contact centers give better customer service. Call records can be used to settle disputes quickly and with minimum inconvenience.

Recorded calls provide excellent material for training purposes – real-life examples of good and bad agent-customer interactions. This helps the manager effectively intervene when agents are underperforming. The latest-generation solutions have the capability to automatically select and assign coaching and training through courses, tips, quizzes, training flashes, pre-shift announcements and bulletins according to individual agent needs, identified through quality evaluations or simply by monitoring their performance metrics. This tool allows you to set rules that send targeted coaching and training to individual agents or groups when they reach predetermined thresholds based on their performance scores, customer survey results and more. By targeting the right training to the right person at the right time, your agents will be empowered with personalized guidance that will make it easier for them to offer improved service, thus heightening customer satisfaction and ultimately increasing both, agent productivity and satisfaction with the job. Managers can track sales and address marketing and service challenges quickly.

Integrated workforce optimization systems can accomplish this in a cost-effective manner while decreasing expenses, increasing revenues and enhancing customer loyalty and satisfaction – all of which can lead to strengthened market position, customer loyalty and long-term bottom-line growth.

In today’s challenging economic climate, analytics is changing the way companies do business and dramatically improving contact  center operations, managers want quick and  accurate insights into the effectiveness of their contact center operations in order to make prudent, timely decisions, but they don't have the time or resources to listen to and review  the vast amount of customer interactions  handled by the agents every day. 

In addition to this there is no shortage of performance metrics available from their PBX and ACD. These days there seems to be more sophisticated tools including multimedia recording, desktop analytics, instant chat, self service options in the IVR, cloud computing,  etc. Managers and supervisors today are able to choose from a myriad of options to manage performance but where do they start to do their quality evaluations in a systematic manner using complex algorithmic mathematical formulas combined with scientific methodologies and their own intuition? Therein lies their dilemma. So little time, so much to accomplish in the course of a day...

Quality monitoring systems offered today are not only to evaluate agents but also to evaluate a contact center reputation. Yes, reputation, might sound obvious but too often contact centers seem to miss this critical view point. A customer's perception of service captured in a call recording or video file says a lot about the culture of the organization. Call Center Reporting and Call Monitoring Systems are a means to an end in that one has to learn from the information and who else to translate these to actions and outcomes than the Supervisor. This has to be one of the most critical and unforgiving roles within the contact center next to the agent. Sort of being a start quarterback being called in to throw a touchdown on each attempt when the offensive team is on and the line backer when the defensive line is on.

The role of the supervisor and their agent has been so devalued over the years that it is not a surprise the attrition rates for these roles are in double digits. This is not a malaise or a disease or caused by the recent global financial crisis or globalization. We did this to ourselves. We have become part of a culture that communicates via a keyboard than by voice skills and the traditional skills that our parents taught us about being polite and respectful. We complicate the connection with our customers and prospects through voice prompts and boring scripts to keep the agents from really having a connection with the customers.

Enter VPI and it's Empower suite of products. In my humble opinion, this product is a god-send for managers, supervisors and front-line agents. VPI has truly defined the new expectation of a customer through a fresh set of lenses. It shatters the level of "mediocrity" to "excellence" in quality and performance from the customer's point of view. The power of the data can now be turned into knowledge which in turn can be turned into wisdom for coaching to excellence and that translates to actionable analytics and outcomes.

Quality Assurance is everyone's responsibility and by giving power to the people who  influence agent behaviors, then the Supervisor should be the quarterback that determines the outcome of the game. Like they said in the movie, if you build, the customers will come. VPI has started this movement by building on a framework that is supervisor-friendly for QA success. If we synthesize all these goals, the aim of QA and Call Monitoring becomes a matter of linking outcomes of calls to a customer's behavior not only the agent's behavior. As a result, contact centers can also learn what effects, if any their approach to training and coaching agents have on customers and ultimately the outcomes.

Being proactive and giving agents a larger stake in the pie by identifying areas of strength, best practices and also key training to be used for modeling success. In this way, a contact center can leverage the VPI Empower suite of products and establish guidelines and standards for handling calls instead of dictating what agents should or should not do. In the larger picture, the role of the supervisor and the agent has to be supported through all levels of the organization. As a result, success and a best practice model will show up sooner than later!
 

For the past 15 years, APCO has been carefully crafting a list of operational standards in order to ensure the best possible quality in public safety emergency communications. Now, in collaboration with NENA and associated industry bodies, this lengthy endeavor has culminated in the development of Next Generation 9-1-1 (NG9-1-1) standards, along with soon-to-be introduced Quality Assurance (QA) standards. These new requirements are raising the bar for the quality of service required from the nation’s public safety agencies.

Quality of service is impacted by both the performance of employees and the processes in use.  Periodic, systematic quality evaluation of emergency contact center communications can provide invaluable transparency to everyone involved and expose inadequacies in both employee and process areas. This is especially critical in the current transitional period when old, inadequate communication systems are being replaced with Next Generation technologies and 9-1-1 centers are expected to handle various different types of communications - not just voice and TTY communications any more. Plus, the increasingly complex nature of public safety communications entails new regulations that PSAP centers will have to demonstrably comply with. The traditional approach to quality management is being replaced with evaluation of multiple communication streams and types involved in incidents, along with a variety of supporting evidence, such as images, videos, text documents and data. Prioritization of such evaluations is driven by significance of various incident types, so selection of recordings for evaluation has to be subordinated to that. When correctly planned and executed, the latest-generation software-driven quality evaluation can deliver valuable insights into the best course of corrective actions to support the new demands.

In response to the introduction of the new NG9-1-1 and QA standards and the difficulties faced by cash-strapped organizations in attempting to comply with them, VPI is launching its ‘Upgrade to Quality’ program for public safety and security organizations.  The program, valid from now through June 30th, 2011, stretches the tight budgets of public safety and security organizations by enabling them to affordably upgrade their legacy recording systems with VPI’s state-of-the-art VPI CAPTURE™ voice logging system and provides double the value by including free VPI QUALITY™ call taker quality assurance software. VPI CAPTURE is an affordable, NG9-1-1 ready recording system that installs quickly to reliably and securely capture, manage and share critical incident information and to provide insights to optimize workforce efficiency.

For more information, conditions and restrictions on VPI’s ‘Upgrade to Quality’ program, visit http://www.VPI-corp.com/Quality or contact us at 1-800-200-5430. 

Do you view your recorded call and screen interactions as an element of data that helps you inspect your business? Do you have an effective, cost-effective method to unlock information that is critical to inspecting interactions in context of business outcomes? How do you identify and address business issues that go beyond agent behavior - to optimize the business impact of recording and quality evaluation, associated with fostering your customer relationships?

Traditional call center quality assurance methods dictate review of randomly selected calls. We agree that pulling random samples of recordings for inspection is the only practical way to measure key behaviors and processes that are impacting the business.   The real question is - random samples of what recordings?  Not all recordings have the same value and deserve time and resources to be invested into their review.

As you record interactions and collect metadata, VPI helps you visualize, interpret and act on your records in a revolutionary way. Recordings do not need to be flat and unintelligent entities anymore.   You are no longer limited to a simple “beginning and end” visualization on a timeline that represents your voice file length. When you use VPI’s intelligent recording systems with integrated desktop screen analytics for call center quality assurance, you can see - before you even listen to a call - what happened, when it happened, how it ended, and how it relates to your specific business objectives.   Your team can use this information to determine if the call holds enough value to justify inspection, or move on to another transaction that is likely to be more revealing and more actionable. Now you can target your time and resources wisely to maximize the business impact of your call center quality assurance.

The VPI approach that leverages tightly integrated desktop screen analytics is unique. Unlike what any other alternatives permit, it can bring this level of intelligence to the capture and playback process – accurately and cost-effectively. While one of your options is to unpack the call content through expensive and lengthy to implement speech analytics application approach, the VPI method unlocks this valuable information at a much lower cost and in a fraction of the time.   Powered by VPI Fact Finder, you will be able to monitor agent use of applications at the desktop level and “extract” valuable information as it is accessed or entered into systems.   Without back-end integration work, and typically implemented within minutes, you will be able to “listen” to any Windows-based or Web-browser Based application interface, scrape important information about each transaction and associate it with appropriate voice and/or screen recordings.    

To illustrate the power of VPI Fact Finder - if you were in a sound-proof booth, and could only watch the agent access or enter information, do you think you would have a handle on what the call was about?   Sure you would.   VPI Fact Finder is like looking over their shoulder and automatically taking notes of the key information and events that happen within a call and appending your observations to the call record, so you can understand the call context from an at-glance view before you even listen. For example, you could pull Customer ID, Sales Value, Product Codes, Call Disposition, etc, and place these values in the database associated with the call record.   Often the data about the interaction is more important than the call recording itself.   Utilizing this captured data and combining it with dozens of telephony-related metrics, you gain the ability to support your call center quality assurance program and serve your organization's call center optimization efforts in ways that far exceed traditional quality monitoring methods.

Current economic challenges are forcing organizations to rethink their approach to customer service and how they balance efficiency and effectiveness objectives. With regard to call center optimization, complexities have vastly increased with the growing number of communication channels and higher expectations from customers. The implementation of workforce optimization software technologies has become crucial in today's environment, ultimately resulting in increased profitability and improved strategic position in the marketplace.

Download your complimentary white paper authored by prestigious industry analyst and research firm Datamonitor, to learn:

• Key challenges faced by contact centers today

• How contact centers are responding and adapting to current economic challenges

• How using workforce optimization software technologies can help you maintain the proper balance between efficiency and effectiveness

• The capabilities and advantages of workforce optimization software technologies, including voice call recording, quality assurance call monitoring, workforce management, call center performance management, desktop contact center analytics and call center coaching solutions

Want to Learn More about the Call Center Recording Software, Quality Assurance Call Monitoring and Call Center Workforce Optimization Software Market, Key Trends and Products?

VPI is pleased to be able to offer you this exclusive opportunity to get your copy of the executive summary of DMG Consulting's comprehensive annual Call Center Quality Assurance/Telephone Call Recording Product and Market Report. Offering 35 pages packed with valuable information, this guide is essential to navigating in the complex market of contact center workforce optimization software technologies.

Use the promo code LINKEDIN to download your complimentary report summary authored by renowned industry analyst and research firm DMG Consulting, to learn:

• Which call center optimization technologies help call center managers achieve contact center optimization 

• Key technology trends that are altering the direction of contact centers

• How to take your call logging software program to the next level and increase productivity while enhancing the customer experience and agent satisfaction

• The direction workforce optimization software technologies are heading and how to best leverage them, including Telephone Voice Recording, Call Center Quality Assurance, Call Center Performance Management, eLearning, Call Center Coaching, Surveying, Contact Center Analytics and Workforce Management (WFM)

• Comparison of workforce optimization software suites vs. stand-alone solutions

• How industry regulations are impacting voice call recording 

• The new strategic role of contact center managers

• Return on investment (ROI) analysis and workforce optimization software 

• What to expect in the future and more!

Phone call recording software plays a key role in many industries. It is a mandatory requirement in the majority of public safety organizations and within various industries, such as financial services and healthcare. With so much valuable information in vast number of customer interactions, the overwhelming majority of many organizations are now using call logging software. Telephone voice recording software helps many organizations optimize the customer experience, improve agent call quality, and minimize risk by providing receipts of oral commitments for dispute resolution, preventing privacy leaks and highlighting questionable employee conduct.

Analytics-Enhanced Call Recorder Software Solutions

Full-time voice call recording software with rules-based records retention, combined with the use of integrated desktop screen analytics, is in high demand by organizations to comply with increasingly complex privacy compliance regulations, including PCI-DSS (Payment Card Industry - Data Security Standard). These new, analytics-enhanced telephone voice recording software technologies are helping organizations of all sizes identify sensitive information that should be protected from access or replay by unauthorized users, such as consumers’ credit card numbers, Social Security numbers, addresses, phone numbers, references, family members, etc. Analytics-enhanced call logging software technologies are also helping with the identification of certain types of interactions that matter most with regard to business goals and economic circumstances.

The Benefits of Desktop Screen and Telephone Call Recording

Many organizations are now adopting high-volume desktop screen recording software. Using phone recording software to review screens in conjunction with the corresponding call audio can expose and improve application navigation and workflow processes to reduce call and post-call handling time. Screen recording software is also a very valuable tool for evaluating the quality and efficiency of Web chat interactions. Voice and Data call recording equipment enables managers to see how front-line employees are handling multiple chat sessions simultaneously on one or multiple desktop monitors. Voice logging software is also being used to optimize the use of email and Web chat. Training managers are using the multimedia screen and voice recordings as best practice training clips, and to monitor the quality of email responses and Web chat sessions.

A Secure Digital Call Recording Software Solution

Full-time voice call recording software is essential for helping organizations manage compliance and liability issues. However, it’s imperative to implement a system that will guard data from unauthorized access with granular user and data security rules and end-to-end AES 256 encryption with key management. A comprehensive audit trail log should record all user activity within the system so that organizations can conduct full trace audits to determine who accessed any recording in the system and when – for playback, export, or any other critical events.

To learn more about the latest advancements in phone call recording software, visit: http://www.VPI-corp.com/Phone-Call-recording-Software.asp

Dispatch quality assurance call monitoring software is more important today than ever before. Recognized as an essential component in the quest for improved performance, efficiency and productivity, public safety organizations are now placing an increased emphasis on the capabilities and deployment of dispatch quality assurance call monitoring software. In the midst of today’s consolidation and changes, many public safety and security organizations are being asked to do more with less resources. Therefore, it is even more important than ever before to maximize the productivity and effectiveness of current employees and resources. There is tremendous value in assessing recorded interactions with dispatch quality assurance voice logging software. As public safety organizations roll out new programs, new communications recording and dispatching technologies, and Next Generation 9-1-1 initiatives, a quality assurance program using automated dispatch quality assurance tool integrated with your call recording software can be invaluable for monitoring the adoption and success of your initiatives.

Benefits of Dispatch Quality Assurance Software

Integrated dispatch quality assurance call recording software can be extremely valuable in improving the efficiency and accuracy of emergency communications. Quality assurance helps improve productivity and reduce staff turnover. With new Web-based dispatch quality assurance software tools that automatically assign the appropriate customized evaluation form, public safety and security organizations can objectively evaluate individual call taker quality or performance of multiple call takers during entire incidents, regardless of how many locations, units and jurisdictions involved. In addition to enabling thorough evaluation of call taker performance with regard to fast, efficient, accurate and high quality call handling, dispatch quality assurance software helps public safety and security organizations ensure that call taker and dispatcher processes are working properly and within compliance.

Advantages of Console Screen Analytics

Today’s advanced multimedia phone call logger and dispatch quality assurance call monitoring software solutions use screen analytics to easily capture important fields, values and data from desktop monitors and console screens. This can be achieved without requiring organizations to perform expensive back-end integrations to the applications running on employee desktops. By being able to tag data like “Incident Type” from the CAD system to recorded calls, organizations now have the ability to evaluate calls by incident type. For example, an organization may determine a need or desire to listen to all or a high percentage of calls recorded by their voice logger related to a certain incident type such as robberies, domestic violence, medical-related calls or homicide.

Additional Advantages of Automated Coaching

Public safety organizations are using the assessment scores from their dispatch quality assurance call monitoring software to improve their training programs and automatically assigning targeted, supplemental coaching to those call takers that need improvement in certain areas identified by quality assurance evaluations. With an integrated, automated coaching solution, public safety and security organizations can quickly and automatically deliver feedback and training content that addresses the needs of each call taker, dispatcher and supervisor. Advanced coaching solutions enable authorized users to access training content and reports on results of training via customized Web dashboards or desktop tickers.

To learn more about best practices for using and the latest advancements in dispatch quality assurance call monitoring software, visit http://www.VPI-corp.com/911-Quality-Assurance-Management-Software.asp

Can your current voice logging system handle NG9-1-1 communications? How effective is your dispatcher quality assurance call monitoring program?

Public safety emergency communications have never been on the threshold of greater change than they are today. PSAPs, both large and small, are now preparing for Next Generation 9-1-1 to keep up with the rapidly evolving world of mobile, multimedia and IP communications. This ground-breaking resource guide discusses what you need to look for in a new call logger and quality assurance system to meet the challenges arising from Next Generation 9-1-1.

Use the promo code VPIBLOG to download your complimentary resource guide, authored by analyst Dick Bucci from The PELORUS GROUP and sponsored by VPI, to learn:

• The goals and benefits of NG9-1-1 and how to ensure a smooth transition.

• The implications for public safety voice logging recorders - learn why the majority of voice call recording systems installed today cannot be cost-effectively scaled or modified to support NG9-1-1.

• What to look for in new call recorder software to effectively meet NG9-1-1 requirements for IP communications support, open architecture, flexibility and scalability.

• How a well-designed quality assurance program can help you monitor and improve the effectiveness of your NG9-1-1 program roll-out initiatives.

Get your complimentary copy of the resource guide "Next Generation 9-1-1 Communications Recording and Quality Assurance" today.

Telephone voice recording solutions are essential for recording agent-customer interactions and associated telephony and screen data. However, in this new age of cyber crime and identity theft, the inevitable emergence of strict regulations to help protect sensitive customer data has resulted in many organizations being forced to scramble to update or replace their existing phone audio recorder solutions in order to adhere to the latest legislative guidelines.
 

The PCI-DSS, a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of the PCI Security Standards Council, including American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. International, to help facilitate the broad adoption of consistent data security measures on a global basis. Announced in January 2010, PCI-DSS requirement 3.2 states that organizations must not store sensitive authentication data subsequent to authorization – even if encrypted. Sensitive authentication data consists of magnetic stripe (or track) data, card validation code or value, and PIN data. This data is deemed particularly sensitive as it can be used by to generate fake payment cards and create fraudulent transactions. 

The PCI-DSS regulations are requiring organizations that handle credit card transactions over the phone to delete all archived recordings that contain sensitive authentication data. In order to comply with these new regulations, many organizations are having to delete all of these verbal receipts because the process of listening to the contents of potentially hundreds of thousands of call recordings would be cost prohibitive and labor intensive. Unfortunately, the many calls that do not contain sensitive data will also be deleted – calls that should be retained for quality assurance (QA) purposes and liability management.

VPI’s rules-driven call logging software solution enables organizations to maintain PCI compliance by identifying the calls that cannot be accessed and archived due to data sensitivity issues as well as those that can be safely archived for use in QA and liability management. The VPI CAPTURE PRO call recording software solution leverages unique desktop screen analytics that can detect events and data directly from application screens – such as an employee entering sensitive credit card authentication data into a field on screen – and tags them to the recorded interactions. This enables automated classification for deletion of all audio and video recording files containing sensitive authentication data and helps ensure compliance with the latest PCI-DSS regulations. And as an added bonus, VPI's phone audio recorder makes valuable non-sensitive data related to the interaction – such as call date/time, call direction, Customer ID, Agent ID, sales or collections amount, number of transfers, and hold time – is still kept and made available in interactive reports for analysis into key business issues and opportunities. For more information on VPI’s compliance call logging software solution, visit: http://www.VPI-corp.com/PCI

In addition to offering highly advanced screen analytics capabilities, VPI's phone call logger provides built-in end-to-end data encryption and key management, file watermarking, and detailed audit log reporting. Cost-effective and very affordable, VPI solutions enable organizations to gain a lasting advantage – with open standards and service oriented architecture, the VPI telephone voice recording solution has the flexibility to grow and evolve in order to adapt to your changing environment. VPI customers benefit from unsurpassed versatility and ROI as the unified platform supports virtually any PBX – digital or analog, TDM or VoIP, individually or blended – with a unified interface and industry standard file formats.

Call logging software comes in all shapes and sizes. Selecting the best call recording equipment for your organization’s specific needs can be tricky. Do you need to record for compliance and liability purposes? Or, are you more focused on your quality management goals? What kind of telephone voice recording does your organization currently utilize – traditional voice logging, digital call recording, VoIP call recording, or a combination? Is your organization growing or downsizing? Do you record multiple locations, and if so, is it easy to administer the communications recording system in order to access and analyze any and all recordings, by site, by group, and even down to individual calls? How many technologies do you currently have in place? Would the new call monitoring system have to integrate with any of them? There are indeed many questions to answer and issues to address in the quest for a new quality assurance call monitoring system. VPI has been listening to these questions from its customers for over 15 years, and has designed flexible solutions that can adapt to, and work within, virtually any environment – meeting the needs and expectations of organizations of all types and sizes.

For organizations seeking compliance and liability voice logging, such as public safety agencies, security companies, government bodies, and financial institutions, VPI developed VPI CAPTURE PRO. As the industry’s most secure and feature-rich audio and data phone recording software, VPI CAPTURE PRO enables organizations to seamlessly capture, assess, assemble, and share their recorded communications from a combination of telephone, radio, email and Web chat systems – traditional digital call recording and IP call recording software. In addition to handling compliance and risk management, VPI CAPTURE PRO enables federal, state, local, and private organizations to improve the quality of their mission-critical voice and data interactions and deliver first-rate customer service by acknowledging and utilizing call center quality assurance.

If you’re looking for a call logging software solution that will help you achieve your call center quality assurance goals, VPI CAPTURE PRO is by far your best bet. Whether or not you use a formalized quality evaluation process, VPI CAPTURE PRO allows you to engage in quality assurance call monitoring which will improve the customer service quality delivered by your local or locate and playback high value call recordings directly from a variety of standard reports, and leverage best practice remote employees, focusing on the most pressing business issues. You can monitor live calls across multiple locations, conveniently calls for training – call recordings are highly portable in standard formats and small file sizes.

With the VPI CAPTURE PRO voice call recording solution you can rest assured that whatever your needs may be, and whatever kind of technology and telephone voice recording you may have – both now and in the future – all of your immediate needs will be met, and you will be fully equipped to rise to every challenge that lies ahead. VPI’s open standards call recording equipment and technology welcomes change and meets the associated challenges with many options for fast and cost-effective reconfigurations in order to satisfy changes in legislation, increased capacity, new geographic distribution of your employee teams, or changes between centralized and distributed operation.
 

Voice logging systems were once very basic solutions built to record all or a sample of calls along with some rudimentary telephony data. Generally deployed for compliance and liability purposes, digital call recording systems were viewed as a backroom necessity that occasionally served a purpose whenever a customer dispute occurred. Over the past decade, the role of the call recorder has changed a great deal. The value of recorded interactions and their importance for effective quality assurance call monitoring has become a major focal point in the development of the highly advanced call logger systems available today.

Today’s flexible, elegant communications recording solutions are light years away from the clunky, hardware-based beasts of the past. Gone are the proprietary parts and expensive customizations – today’s advanced digital and VoIP recording software solutions are software based, leveraging open architecture for easy integrations and cost-effective customization. VPI’s robust digital and IP recording software solutions can be customized, scaled and adapted to meet the evolving demands of organizations of all kinds – from small- and medium-sized contact centers to global enterprises employing any combination of in-house and remote employees. VPI CAPTURE PRO is the most progressive, ground-breaking voice call recording and screen data call recording software available today. Highly reliable, easily implemented and remarkably effective in virtually any environment, VPI CAPTURE PRO can record multimedia interactions from a wide range of network configurations, TDM and VoIP telephony environments, and across any number of locations. Powered by VPI Fact Finder™, VPI's powerful desktop screen contact center analytics engine, the call logger tags important employee screen events and facts to call recordings for automated call classification and analysis centered on key business issues.

In recent years, it has become generally recognized that recordings of customer interactions contain a vast amount of intelligence about an organization’s processes, customer satisfaction, front-line employee performance, revenue opportunities, and chances for improvement of strategic position in the marketplace. Recorded interactions between agents and customers are a veritable gold mine of business intelligence, yielding insights into agent performance, product or service perception, and customer satisfaction. Intelligence garnered from customer interactions can be used to improve managerial decisions and investments made by strategic-level departments such as sales, marketing, human resources, research and development, finance, or operations.

VPI EMPOWER offers a rich, business-centric set of tools that make a significant impact on an organization’s bottom line – mitigating risk, enhancing call center quality assurance, streamlining call center reporting, improving call center coaching, and optimizing call center performance management. VPI EMPOWER combines and enhances the benefits of VPI CAPTURE PRO, VPI QUALITY PRO and VPI PERFORMANCE. Individually, each software solution is robust and powerful, but they are exponentially more valuable when integrated.

Do you record or plan to record your calls and/or desktop screen activity? Do your employees discuss sensitive information over the phone? If so, there are serious telephone call recording laws and phone call recording regulations that you need to be aware of. To avoid costly violations and ensure customer credibility, you need to become familiar with the new and evolving digital call recording laws, voice call recording regulations, and industry standards that most profoundly impact organizations today. You should make a point of learning what you can do to avoid violating these call recording laws, and where to go when you need help. The information in this article on telephone call recording laws and regulations is not intended as legal advice. Always check with your legal counsel to learn more about how voice logging regulations can affect you and your organization. Let’s discuss some of the most common telephone call recording laws and phone call recording regulations impacting organizations today.

Payment Card Industry Data Security Standard (PCI-DSS)

Established by American Express, Discovery Financial Services, MasterCard Worldwide, Visa International and JCB, PCI-DSS regulations are intended for organizations that accept credit cards and record those interactions with call recording equipment. The regulations forbid the insecure storage of unencrypted credit card numbers, PIN numbers, and other personal information in databases and digital call recording software systems. Digital call recording software systems should be able to identify, encrypt and restrict access to sensitive customer information from unauthorized users. According to the PELORUS Group, a leading independent market research and consultancy company in the financial services and telecommunications industries:

1.     Contact centers can easily become unsuspecting violators (of PCI-DSS compliance regulations) because of the practice of recording private customer information in data and voice call recording software systems.

2.     Unless agents are specifically authorized to see this information, their unrestricted access is a violation of PCI-DSS.

3.     You can avoid potential violations by investing in telephone recorder software that blocks or encrypts recordings that contain card numbers.

Health Insurance Portability and Protection Act (HIPPA)

The HIPAA Privacy Rule protects the privacy of individually identifiable health information. With regard to call recording laws and call recording regulations, it’s imperative that organizations have the ability to identify, restrict access to and encrypt specific interactions containing sensitive information from unauthorized users.

Fair Debt Collections Practices Act (FDCPA)

Designed to eliminate abusive, deceptive, and unfair debt collection practices, the FDCPA mandates that collectors must identify themselves, including the name of their firm, and explain that the purpose of the call is to collect a debt. With regard to telephone call recording laws and regulations, all interactions must be day and time stamped, and all calls recorded in order to assess employee compliance.

Telemarketing Sales Rule

The Telemarketing Sales Rule prohibits sellers and telemarketers from making false or misleading statements. The Federal Communications Commission may assess a fine of up to $11,000 per violation. Seven pieces of information must be provided by the employee during the call - such as identity of the seller, the nature of the goods or services offered for sale, the full cost of all offers, etc.

Learn more about call recording laws and call recording regulations and how to avoid costly fines and legal fees with latest in analytics-driven phone call recording software – download your complimentary copy of the white paper “Call Recording Laws, Regulations and Best Practices for Ensuring Compliance,“ authored by renowned analyst Dick Bucci from The PELORUS Group at http://www.VPI-corp.com/Call-Recording-Laws

VoIP call recording software has finally come of age, offering the same advanced level of functionality and reliability as traditional recording systems. Organizations across the globe have recognized the tremendous benefits of VoIP communications and IP call recording software. New IP Communications platforms allow organizations to flatten, consolidate and extend their communications architecture. VoIP communications are also enabling a trend toward smaller, distributed contact centers.

The Significant Benefits of VoIP Communications
Reduced operational costs are often one of the major drivers for investing in VoIP communications and VoIP call recording software. In a recent survey conducted by IDC – a global provider of market intelligence, advisory services, and events for the information technology, telecommunications, and consumer technology markets – 63.4 percent of business respondents reported the need to cut costs as the primary reason for upgrading to a VoIP service. Overall, IDC estimates that a VoIP system can reduce telephony-related expenses by 30 percent. In a traditional TDM environment, moving and adding telephone lines can be expensive. For example, the average employee moves desks once per year and the cost to move a traditional phone is $75.14 per change, and changes can take days to complete. Whereas, in a VoIP telephony world, moves, adds and changes can often be performed via a single Web-based software interface.

Enhanced disaster recovery is also a significant benefit to VoIP communications and new VoIP recording software systems. Prior to the advent of VoIP communications and IP recording software, the ability to re-route communications during a natural disaster had been achieved via the services of multinational corporations with the budget to build alternative circuits to reroute their traffic. However, the flexibility built into IP-based voice communications has given small businesses access to the same disaster response capabilities as large corporations.

Today’s more advanced IP recording software systems also have tremendous benefits versus traditional recording systems. If planned and implemented properly, centralized voice call recording can remove the need to implement recording capabilities at remote sites and provides for more efficient use of IP call recording resources.

VoIP Call Recording Software - What You Need to Know
There are several things to consider when implementing a new VoIP call recording software system. Voice call recording systems should use open standards and protocols and be able to adapt to evolving needs in order to interoperate with future technologies without replacement. Proprietary, hardware-based call recording systems are becoming a thing of the past.

Organizations are embracing the many benefits and capabilities offered by new VoIP communications platforms. However, all too often, the ability of their VoIP call recording software system to fully leverage those capabilities is somewhat lacking. Some voice call recording software systems can only record audio in very specific environments and have great difficulty capturing all of the important call information or metadata necessary to easily search for and find important calls. Some IP call recording software systems simply hit a wall and cannot record IP telephone, radio and multimedia communications in certain environments. It’s crucial to implement an advanced VoIP recording software system that can adapt and evolve as needs and technologies change, as well as extensive functionality to fully maximize the capabilities of the latest VoIP platforms.

To learn more about the latest developments and advancements in VoIP call recording software, visit http://www.vpi-corp.com/Call-Recorder.asp