CMS and Back Office Issuing

Global Payments Europe provides back-office outsourcing service to banks and other financial institutions issuing any type of cards.

Key Benefits Description

• Data protection
• Development Guarantee
• Cost Saving
• Flexibility
• Reliability
• Central Processing
• Multi-system capabilities

GPE service may be used by banks, which already operate an in-house back-office system and are looking for an alternative. Migration to GPE may begin with a single card product or partial segment of the entire portfolio. Later other product lines may be added - up to a full migration. Multi-national financial institutions would follow a similar process for migration. Our customers distribute the migration workload gradually and benefit from unified management and economy of scale.

Features List

GPE service supports processing of all types of cards: debit, charge, and revolving credit.

Credit Module. This module provides the issuer with complex functionality for revolving credit card maintenance. In addition to standard card processing functions, Credit Module targets the following needs of revolving credit card issuers:

• Highly flexible interest calculation
• Transaction statements
• Multiple bonus and fees policies
• Collections support including flexible links to institution’s collections system
• Performance reporting and link to institution’s credit scoring application
• Integration to GPE issuing authorization outsourcing service

CMS Issuer Module. This is the core of the GPE’s innovative card management solution. The whole system is fully EMV ready.

• Multi-application chip cards, standard magstripe cards, hybrid cards
• Private label card schemes support
• Link to card initiation – PIN issuance, PVV, CVV/CVC, chip data calculation, key management
• Card application management
• Card life cycle management
• Automatic card renewals, card mailing, and distribution
• Transaction statements and billing
• Recurring, transaction, and ad-hoc fee calculation
• Multi-currency banking accounts support
• Additional services management

CMS Transaction Module. EMV ready transaction processing module interfacing clearing/settlement systems of card associations and systems

• Transaction life cycle management, chargeback processing
• Clearing file transfer from/to American Express, MasterCard, Visa
• Transaction history
• Fraud reporting, interface to Fraud Detection Service
• m-Commerce a e-Commerce support
• Full transaction reporting and reconciliation

CMS Statistics Module

• Issuing, acquiring, and security reports
• Reporting to associations
• User-defined reports

How It Works

At implementation the issuer selects its preferred mode of operation.

• Batch mode. This mode is recommended to large portfolios and enables effective sharing of information between GPE and issuer’s systems
• Remote terminal access. This mode is recommended for smaller portfolios, which do not require high-capacity batch interface. However, this access is the preferred mode for dealing with emergency entries, information look-up, and disputed transactions handling.
• Combined mode – batch + remote terminal. Brings together the benefits of both modes.