Card Management System

• Data protection
• Development guarantee
• Cost saving
• Flexibility
• Reliability
• Central processing
• Multi-system

Global Payments Europe services may be used by banks which already operate an in-house back-office system and are looking for an alternative.

Migration to Global Payments Europe may begin with a single card product or partial segment of the entire portfolio.

Later other product lines may be added, up to full migration.

Multi-national institutions would follow a similar process for migration.

Global Payments Europe services support 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, the 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 Global Payments Europe issuing authorization outsourcing service

CMS Issuer Module

This is the core of the Global Payments Europe's innovative card management solution. The whole system is fully EMV ready.

• Multi-application chip cards, standard magnetic stripe 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 interfaces with 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 with Fraud Detection Service
• m-Commerce and e-Commerce support
• Full transaction reporting and reconciliation

CMS Statistics Module

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

Global Payments Europe services support processing of all terminal types: ATMs, cash advance desks, stand-alone POS terminals, integrated solutions, paper sale slips, CATs, and MO/TO merchants.

CMS Merchant Module

Highly flexible module for merchant management.

• Terminal/merchant management
• Incentives, commission, recurring, and ad-hoc fees calculation and billing
• Support for multi-currency settlement to bank accounts
• Statements production and financial reconciliation

CMS Transaction Module

EMV ready transaction processing module interfaces with clearing/settlement systems of card associations and systems.

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

CMS Statistics Module

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

At implementation the issuer selects its preferred mode of operation.

• Batch mode - This mode is recommended for large portfolios and enables effective sharing of information between Global Payments Europe 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.

At implementation the acquirer selects its preferred mode of operation.

• Batch mode - Data between Global Payments Europe and the acquirer are exchanged in batch mode utilizing Global Payments Europe's data file formats. These formats will be made available to the acquirer prior to operations. This mode is recommended for large portfolios and enables effective sharing of information between Global Payments Europe and acquirer's systems e.g. internet/phone banking systems, data warehouses, customer information files etc.
• Remote terminal access - Acquirer may access the full service functionality by a secured remote link to Global Payments Europe back-office systems. 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.