Cardzone

Payment Solution Provider

We emphasize on design, development and deployment of financial message switching and card management system products for all kinds of card programs e.g. Credit Card, Debit/ATM Card, Loyalty Card, Pre-Paid Card, Fleet Card, Gift Card etc.

Payment Solution Provider

We emphasize on design, development and deployment of financial message switching and card management system products for all kinds of card programs e.g. Credit Card, Debit/ATM Card, Loyalty Card, Pre-Paid Card, Fleet Card, Gift Card etc.

Cardzone CMS is a scalable and highly parameterized card management system that brings greater efficiency to card operations of any size.

Cardzone SWITCH is a flexible, robust and multi-channel payment switch for acquiring and routing of authorization transactions from multiple touch points like ATM, POS, Kiosk, Mobile, IVR and Internet, into many destination hosts and networks.

Banks must face the challenge of not only offering a wide range of differentiated and ever improving services but also to ensure flexibility, security and availability in order to make their cards stand out from competitors when card features are increasingly commoditized.

Benefits

  • Easy to configure, set up products and launch new programs
  • A wide range of configuration options such as system setup parameters, authorization,
    risk, fee and bonus profiles
  • Easy to manage cardholder relationship such as tracking of multiple accounts, multiple cards, multiple product plans and card activities
  • Generate embossing file, pin mailers, pin mailer printing, letters as well as application scoring at ease
  • Equipped with Plastic Inventory Management to manage blank as well as processed plastics stock
  • Able to manage merchant relationships with rates for different brands, types of transactions (on-us and off-us cards), together with discount rates based on volume or promotions
  • Built-in event triggers and user-definable actions like sending of SMS texts, emails and auto case logging for follow-up actions
  • Comprehensive reporting tools
  • Comprehensive collection system with tools for account classifying, sending of template based letters, prioritizing and distributing accounts according to agents and resource groups
  • Improve card security with real time and scalable transactions validation based on fraud control parameters and user-defined credit
  • Unmanned End-of-Day process
  • Access Control List to control user permissions and login
  • Auto housekeeping transaction logs

 

The Process

 

CMS Clients

Cardzone FRM is an effective tool to combat the ever innovative fraudsters active in the payment card arena.

Cardzone FRM is designed to support the bank’s fight against fraud, with features and benefits such as:

  • Built-in Fraud Rules

    Within Cardzone FRM, there is a set of built-in system fraud rules that will protect the bank. Bank staff can determine the next course of action for each and every type of fraud event.

  • User-Defined Fraud Rules

    Users are able to define their own fraud rules based on virtually any fields in the authorization message With the latest R&D, Cardzone FRM has been enhanced with Big Data Analytic and Machine Learning algorithms to detect and predict fraudulent transactions.

The Process

 

FRM Clients

 

Supported Networks

Cardzone LOYALTY is a Bank Wide loyalty management solution that features very flexible promotion campaigns, points granting criteria and rewards redemption options.

Banks need to acknowledge customer loyalty through key interaction and rewards to make these customers feel valued, because many customers feel that their relationship with the bank is not adequately recognized.

With Cardzone LOYALTY, we are here to ensure the following objectives are met:

  • Strengthen Bank Wide Customer Loyalty
  • Increase Cross Selling
  • Acquire New Customers
  • Retain Existing Customers
  • Increase Customer Spending

 

Benefits

  • Acceptance of online Card Transactions and grant rewards (Credit card purchases etc)
  • Acceptance of non Card based Transactions and grant rewards (New Loans, Savings account deposit, New Fixed Deposits etc)
  • User definable loyalty transaction types
  • All Business Units can participate
  • Extremely flexible rewarding rules
  • Multiple reward types i.e. Points, Cash Rebate & Lucky Draw
  • Web Portal for program communication and points redemption
  • Built-in Business Intelligence Tools
  • Loyalty Planning and simulation prior to launch
  • Loyalty event triggered SMS and Email alerts
  • Points contribution are tracked according to Business Units
  • Points expired and redeemed are allocated by contribution ratio

 

Key Areas

i.Loyalty Program Management
– Loyalty Pool
– Loyalty Program Planning & Simulation

ii.Gift Inventory Management 
– Online Point Redemption (via UI, Mobile, POS or Web Portal)
– Automated Stock Replenishment

iii.Marketing Communication Management
– Promotion Messages by SMS / Email iv)

iv.Loyalty MIS & Reports
– Data Analysis with Built-in Business Intelligent Tools

 

Life Cycle

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