We provide world-class software solutions to the card marketplace, offering a complete suite of mainframe card issuing and acquiring software, as well as a client server application processing system, switch and back-office solutions. Major financial institutions and retailers in more than 30 nations look to us to find solutions in designing and implementing successful card programs.

Switch Solutions

FIS CONNEX™

FIS CONNEX is FIS’ award-winning global electronic payment solution, handling 80 percent of U.S. debit transactions annually – more than 26 billion transactions totaling $720 billion in settlements. CONNEX processes the full spectrum of transaction activities, including EFT, EBT and POS, as well as provides 100 percent uptime.

CONNEX gives you all the power of the premier technology in EFT network and third-party processing – integrated seamlessly with your back-office tools and services, including settlement, reconciliation, reporting adjustments and movement of funds.

FIS CONNEX software, available on the IBM^® and HP^® NonStop platforms, offers a single, integrated hardware and software solution for transaction acquisition, processing, settlement and reporting. CONNEX provides everything you need to operate a full-service, in-house EFT processing center, including:

• ATM and POS device driving
• Transaction switching
• Authorization
• Settlement and reconciliation
• Advanced systems monitoring and management
• ATM self-service banking
• Data capture and transaction analysis via DataNavigator®
• Network access
• eCommerce

FIS CONNEX OE™

FIS Connex OE is FIS' high-performance, open architecture credit and debit processing switch. As a front-end processor that handles unlimited devices, networks and host systems, FIS Connex OE is ideal for managing ATM and POS networks of any size, providing electronic funds transfer and inter-network switching functionality.

FIS Connex OE’s state-of-the-art open architecture offers full compliance with all major networks, proven high performance and full customization for any processing environment. And the open architecture of Connex OE allows for a lower total cost of ownership when compared to mainframe environments.

As the hub of your transaction processing environment, you can seamlessly integrate FIS Connex OE with FIS Clearing™ and FIS Merchant Accounting System (MAS) products for a complete authorization, clearing and settlement system based on a single, flexible architecture.

FIS Connex OE enables you to:

• Process transactions from any source (ATM, POS, Internet, mobile devices)
• Accept transactions in and output to any message format
• Manage multi-channel payment interfaces
• Manage cardholder authentication, transaction authorization and validation
• Perform stand-in authorization
• Interface to a wide range of existing processing components, including security modules, reporting systems, and existing in-house or third-party payment processing modules
• Provide batch and online network interfaces required to process credit transactions through all the major card associations and networks including Visa®, MasterCard®, Europay®, Interac®, Amex®, Diners®, JCB®, STAR®, NYCE®, and HONOR®.
  

Credit Card Processing

BASE2000^®

Representing our next generation of credit card processing software, BASE2000 offers:

• Card processing for personal cards and commercial accounts – business, corporate, and purchasing cards
• Transaction-level pricing and payment options – promotional, introductory rate, and fee options

BASE2000 software provides pricing and payment options at the transaction level. In addition to a default set of billing terms for a credit product, a financial institution can also set up promotional pricing plans, such as a deferred payment plan, a deferred interest plan, introductory rates, and fixed payment plans.

BASE2000 supports business card, corporate card, and purchasing card requirements. Commercial card accounts are associated with a company that can have up to six hierarchical levels. There are authorization controls that can authorize transactions based on several parameters, such as the company hierarchy, the merchant and time of day.

The Commercial Card Processing System is part of the BASE2000 system but can also be purchased separately. This module works in conjunction with the BASE2000 Cardholder System to provide commercial, business and procurement or purchasing card support.

The Collection System offers flexible, user-defined and controlled state-of-the-art and fully automated online and batch functionality for collections and delinquency management of many types of accounts, including mortgages, leases, installment loans, line of credit, payment cards and utilities.

APPLY™is a powerful, flexible and scalable tool for real-time application processing and can serve many types of businesses including banking, retailing, utilities and telecommunications.

Whether you offer credit or debit cards, personal loans, mortgages or any other financial products, the table-driven parameters in APPLY give clients unparalleled flexibility in rule setting and decision making in assessment of applications. Built-in fraud controls check for duplicate applications, while key data checks against existing customer databases, credit scoring, credit agency reports and address verification. Audit trails, reporting and letter generation capability makes APPLY a fully "end-to-end" application processing solution.

APPLY is a fully intergrated part of the BASE2000 system applications, although it is also available as a standalone module, capable of being fully integrated with other inhouse systems.

Back-Office Solutions

FIS DataNavigator^®

FIS DataNavigator is a comprehensive solution that collects and connects transactional data across the enterprise – allowing banks to harness the power of information that resides in every transaction and giving fresh insights into customers and their activities. Helping to improve customer service levels, track fraud patterns or simplify cash management at ATMs, FIS DataNavigator can provide the basis for faster responsiveness, better decision-making and improved operations.

FIS DataNavigator provides transaction research, exception management, device management, settlement and reporting from one central database and a single point of user access. It operates as a standalone platform for real-time EFT data management, 24 hours a day, 7 days a week, making data available seconds after the transaction is complete, with no impact on switching performance.

• Transaction Research
  With the ability to perform searches based on a number of parameters, including date, device ID, institution or primary account number, FIS DataNavigator returns complete information to customer service advisors in one easy step while the customer is still on the phone.
• Exception Management
  Every day, a percentage of transactions will become exception items, which are expensive and time-consuming to process. FIS DataNavigator simplifies the exception management process for PIN and signature-based transactions utilizing a sophisticated rules engine to give deep insight into the data that resides in each transaction. FIS DataNavigator supports the full lifecycle of an exception item – from retrieval request, adjustments and charge-backs to re-presentments, rejects and arbitrations, fraud notifications and miscellaneous fees.
• Continuous Financial Settlement Services
  This feature provides the management tools needed to monitor business activity continuously throughout the day. FIS DataNavigator will support any processor’s settlement needs around the clock, regardless of the front-end switching platform.
• Device Management Services
  Managing ATMs gets tougher every day. Instant access to device information is paramount when troubleshooting problems. FIS DataNavigator allows easy monitoring of device history and status, cash balances and envelope deposits, as well as ATM balancing.

FIS Fraud Navigator™

For financial institutions, merchants, processors and networks, controlling payment card fraud remains one of the single biggest challenges–and opportunities–in the industry. To combat the proliferation of card fraud, FIS Fraud Navigator™ offers a robust fraud management solution that enables issuers and acquirers to detect fraud as early as possible to avoid potential loss.

FIS Fraud Navigator™ analyzes payment transactions that occur at the issuer, acquirer or transaction switch in real time as part of the inline authorization path, or post-authorization for subsequent follow-up. FIS Fraud Navigator™ combines flexible rules creation and management, system generated alerts and a wide range of off-the-shelf reports in an economical, easy to use system.

FIS Merchant Accounting System (MAS)

FIS Merchant Accounting System (MAS) provides a robust, multicurrency solution for merchant accounting and generating general ledger entries in your currency of choice. It accepts merchant credit card association deposit batch files for payment and subsequent transaction fee charging. In addition, FIS Merchant Accounting System assesses the attributes of each transaction received, either financial or nonfinancial, and performs the necessary transaction processing fee calculations.

Feature-rich and is designed to handle large transaction volumes, MAS functionality includes:

• Transaction routing from interchange and merchants to proper output locations
• Merchant accounting for posting financial volumes and tracking activity
• An online system for inquiry and maintenance of merchant history
• Table-driven parameter system that provides flexibility matched by no other transaction processing software 
  
  

FIS Clearing

FIS Clearing is a robust multicard, multi-institution and multicurrency interchange clearing solution that enables processors and acquirers to qualify transactions for the lowest possible interchange rates with the associations. FIS Clearing provides an extensive set of features to drive clearing operations for both acquirers and issuers, including transaction validation, editing, qualification and clearing file generation. FIS Clearing provides interfaces for both your internal and external systems, including:

• Cardholder remittances
• Merchant payments
• Exception management systems
• Authorization/Card Management Suite