The table-driven four-tier architecture gives you control with client-defined parameters and qualification sets. You define products, set criteria, and select processing options to configure a system that meets your requirements. There’s no limit to the number of products you can offer your customers.
The system hierarchy is comprised of four major tiers: Transaction, Account, Product, and Portfolio levels. These levels stratify your portfolio according to differences such as separate companies within a business, physical location or reporting requirements. Statistical reporting is provided for account activity at all four levels, and because each level is defined separately with a one-to-many relationship capability, portfolio structure is unlimited. Options are user-defined, not hardwired; if you change a term in one place it changes everywhere Options are user-defined, not hardwired; if you change a term in one place, it changes everywhere it is used.
Transaction Level
Define data elements within a transaction to identify applicable
- Pricing Plans
- Transaction routing criteria
- Disqualification Criteria
- Transaction Fees
Account Level
Define standard terms
- Billing parameters
- Delinquency history
- Payment history
- Electronic Statement delivery options
- Commercial Account parameters
- Smart Card parameters
Product Level
Defines the product type and class, related affinity partner and service codes. Products are defined online in real time and include:
- Product type, i.e., MasterCard, VISA, Europay, American Express, private label, home equity, personal/business line of credit, chip, gold, standard, platinum commercial card, consolidated card, co-branded, etc.
- Account management including parameters, cycle days, delinquency and overlimit block criteria and more
- Services including insurance products, auto pay formats, fee waivers, and Internet services
Correspondence – statement form, PIN/Card Mailer forms and lettersets
- Plastics - reissue criteria, plastic type and embossing/encoding formats
Portfolio Level
The portfolio level provides a total view of portfolio management information for statistical and management reporting.
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