vestigo CARD vestigo New generation of Java J2EE based Card Management System, modern and flexible solution developed by Vestigo.
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1 New generation of Java J2EE based Card Management System, modern and flexible solution developed by Vestigo. It is a multilingual, multimember processing system Vestigo Card Management System supports MasterCard, Visa and Diners vestigo 1
2 Vestigo Card Management System - Introduction Vestigo Card is Back Office System that integrates Front-End as well as Front Office, supporting issuing, acquiring, clearing and settlement processes of Card Management. It is set of independent modules which operate in integrated way. ISSUANCE ISSUING PROCESSING ACCOUNTS MNGT ISSUING DISPUTE HANDLING CUSTOMER INFORMATION FILE (CIF) SETTLEMENT MERCHANT SETTLEMENT AND PAYMENTS CORE APPLICATION MODULE ACQUIRING DISPUTE HANDLING FINANCIAL ACQUIRING PROCESSING MERCHANT ACCOUNTS MNGT MERCHANT CONTRACTS PAYMENT COLLECTION DINERS FRANCHIZE SPECIFICITY DINERS CLUB INTERNATIONAL user screens / GUIs 800+ transactions (CICS/WAS) Java classes 120+ Java batch procedures
3 Introduction Enterprise Solution for Card Management - Comprehensive support and automation of all Issuing and Acquiring processes - Diners products and formats supported - On-line and/or off-line Integration with FrontEnd system - On-line and/or off-line integration with Front Office and Core applications Highly parameterized and Modular system - Easy adapts to new products and processes, shortening time to market - Easy to implement and easy to customize, modulary step-by-step Latest technologies for max flexibility and interoperability
4 Core Application Module & Customer Infomation File (CIF) Customer Infomation File (CIF): Citizen infomation file Legal entity information file Legal entity grouping (for Global Vision and Acquiring) Bank infomation file Banks and Branches file loading and inserting CUSTOMER INFORMATION FILE (CIF) CORE APPLICATION MODULE Core Application Module : System codes and code values registers Application users and user rights definition BANK AND BRANCHES FILE
5 Vestigo Card Management System - Issuing Sending Card Reference & Balance files to Card FrontEnd OnLine interface to Card FrontEnd On-line connections from FOS (card opening and changes) On-line connections from internet INTERNET SETTLEMENT CUSTOMER LETTER PRINTING EMBOSSING & ENCODING ATM & EFT POS Network FRONT-END SYSTEM DANTE Branch Office OCRM OnLine ISSUANCE GENERAL LEDGER - SAP DATA WAREHOUSE ISSUING PROCESSING ACCOUNTS MNGT Card product parameterization Card application processing Customer Notification letters MERCHANT SETTLEMENT AND PAYMENTS PIN generating and printing Card embossing files Processing of deffered debit & credit card cycles and limits Processing of corporate cards MC/VISA INTERNATIONAL AND DOMESTIC SETTLEMENT and corporate limits Customer cycle statements Integration with core IS for validations & card settlement Utilisation and repayment of consumer loans Repayment of cash loans Automated posting & reporting Interface to DW
6 Issuing Issuing Set-up module - offers an opportunity for easy integration into existing or building portfolio, providing support for time to market card products - Supporting: personal, business, corporate, family, charge or revolving cards - It is a toolset for setting-up own card issuing program, allowing it to combine different customeraccount-cardholder hierarchies, account/limit management schemes, embossing parameters... Card Application and Change Forms processing - Captured from interactive GUIs of Vestigo Card system, or on-line interafaces with FOS - Capture with waiting for scoring status, subsequent update with scoring decision (either positive or negative) and letter generation for Cardholder scoring result notification - For off-line connections it is captured through interface tables, or by processing received files - On the level of Card application/change Form different parameters can be defined/changed: limits, fees and notification schemes, settlement cycle and collection parameters, reissue parameters, cardholder notification address...
7 Issuing Card and PIN production - Automation of card personalization (generating embossing files) and cardholder notification process - Interfaces with HSM and Crypto Hardware, for Secret Keys generating and PIN printing - Support for chip cards (EMV) and magnetic-stripes - Support for Emergency card replacements according to brand s rules, and High priority Card and PIN production in addition to standard procedures Interfaces with Front-End System - Card Reference file is produced for Authorization/ATM or any front-end system when needed: -Record for each new Card Account or single new Card -Record for each change of Card Account Status or change of a single Card status - Card Balance file is produced for Authorization/ATM or any Front-End system for optional Stand-In authorizations: -Record for each limit change on Card Account or a single Card level (additional levels possible for the case of corporate limits) - Interface from Card Front-End system supported for On-line autorizations, although voice-authorizations are possible through Vestigo Card GUIs (mainly used for consumer loan utilizations)
8 Issuing Card Account processing - Processing of charge & revolving card cycles and limits - Repayment of Consumer and Cash Loans through Card Account cycles - Automated closing of Card Account cycles and generating of Card Account cycle Statements - Automated process of Card Account collection - Automated posting of collection process available, with interface to GL History of Card Changes and Card Account processing - History of changes, initiated by on-line or batch processes, invoked internally or by other delivery channels, can be easily observed through on-line: - by Vestigo Card GUI-s, which implement all needed operating lists and reports -or by other systems calling Vestigo Card transactions (exported as Web Services or CICS transactions) - All data needed by DW and Fraud System available from the Vestigo Card
9 Vestigo Card Management System - Acquiring ATM & EFT POS Network MERCHANT SETTLEMENT AND PAYMENTS Parameterization of acquiring module Merchant contract processing Processing of POS, voucher, internet and other virtual terminal types of trx Processing of cash advance trx Processing of consumer loan trx Handling Net & Gross settlement cycles regarding trx fees Payments generation Calculating of penalty interest Generating statements and invoices Integration with core IS for validation and checking Automated posting & reporting Interface to DW ACQUIRING PROCESSING MERCHANT ACCOUNTS MNGT MERCHANT CONTRACTS GENERAL LEDGER - SAP DATA WAREHOUSE Sending POS definitions, floor limits, stop lists etc. to Card FrontEnd Masive capture of scanned vouchers Merchant settlement & integration with Payment system FRONT-END SYSTEM - DANTE CUSTOMER LETTER PRINTING MASIVE CAPTURE - VOUCHERS PAYMENT SYSTEM
10 Acquiring Acquiring Set-up and Contracting module - Different levels of fee definition stand mainly as acquiring set-up: possibility of different tariff codes according to transaction source (international, domestic), terminal types (source of transaction), transation type (cash, retail...) - For each tariff code price of the according fee can be defined on the customer level or contracted on the level of merchant / merchant s site - Product definition/contract on the level of the merchant will be applied as default in case there is no specific product/acquire definition on the level of a single merchant s site - Definition of merchant s terminals is automatically propagated to the Front-End, initially and by each terminal parameter/status change (terminals can be stopped on different levels and based on different criterias) - Statements and addresses can be defined on the merchant level, or even on the merchant s outlet level, with different frequencies of customer letters generation - Payment parameters and payment instructions can also be defined on both levels; applying merchant s level whenewer no specific definition exists for some merchant s outlet - Payment parameters include possibility of Neto and Bruto principle, depending on the way of the fee collection, but this can be defined only generally on the merchant level - Stoping of payment is possible on the level of payment instruction (so called merchant s subaccount)
11 Acquiring Vouchers, Consumer loans and Virtual terminal transactions - Masive Capture of Vouchers: -Interactive input of voucher bundles data, before sending them for scanning process -Automated processing of Scanned vouchers file, checking of pre-entered voucher bundles data with GUI support for interactive resolvements of logical errors in received data - Support for interactive input of voucher data in the system - Entering and processing contracts for consumer loans, utilized through merchant s network - Processing of internet and other types of virtual terminal transactions (Catalogue, mobile payments...) Interfaces with Front-End System - Interface with Front-End System for POS definitions, floor limits, stop lists etc.
12 Acquiring Payment processing and Follow-Up - Processing of Merchant cycles - Automated process of merchant cycle closing, and compensations (of fee, according to special compensation instructions) - Automated follow-up of generated payment instructions: verification and distribution to different payment interfaces - Automated posting of payment process available, with interface to GL History of Contract Changes and Merchant processing - History of changes, initiated by on-line or batch processes, invoked internally or by other delivery channels, can be easily observed through on-line: - by Vestigo Card GUI-s, which implement all needed operating lists and reports -or by other systems calling Vestigo Card transactions (exported as Web Services or CICS transactions) - All data needed by DW and Fraud System available from the Vestigo Card
13 Transaction Processing and Settlement DC International INCOMING & OUTGOING FRONT-END SYSTEM DANTE AUTHORISATION FILE ATM & EFT POS Network SERVICE PROVIDERS SINGLE CHARGE FILE POS PREPAID FILE SMS FILE FILE WITH ACI FEEs Processing incoming & outgoing files Processing on-line, batch & voice autorizations Processing FrontEnd trx, ISSUING PROCESSING virtual terminal trx, vouchers etc. ISSUING DISPUTE HANDLING CUSTOMER INFORMATION FILE (CIF) PAYMENT Processing all sort of ISS / ACQ dispute trx & ChargeBacks CORE APPLICATION MODULE ATM FILE ACQUIRING DISPUTE HANDLING ACQUIRING PROCESSING FINANCIAL POS NOT PREPAID FILE Transaction GUI overviews with resolving rejected trx support Turnovers, open balances, Due term table items GUI overview and CSV reports Reconcilation reports
14 Transaction Processing Processing of transactions - Processing of incoming/outgoing files - Processing of authorizations and transactions Front-End files Complaint module, Charge back and dispute transactions - Trascking of all complaints, for issuing and acquiring side independently: - for resolvment of dispute transactions - for tracking Charge back cycles -for resolving customer reclamations
15 Payment & Collection Payment: Creation of direct debit payments and file Creation of direct credit payments and file Incoming payments enetring, verification, posting ACCOUNTS MNGT PAYMENT Collection: Creation of Number of Days Late list with debt sorted in buckets Sanction and delinquency batch processing Compensation of Due term table items with Incoming payments Warning notes creating Write off and charge off FINANCIAL Interface to DW COLLECTION MERCHANT ACCOUNTS MNGT DIRECT DEBIT FILE DIRECT CREDIT FILE ROMEO INCOMING PAYMENTS
16 DC International Other Franchises DINERS CLUB INTERNATIONAL Support for Diners Club international incoming and outgoing file format and standards GUIs for resolving rejected trx in outgoing Support for Global Vision Interface to DW INCOMING OUTGOING Global Vision
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