Intellect Cards Platform is a flexible and comprehensive Credit Card Application that addresses all Credit Card business needs across Issuance, Acquiring, Delinquency Management, Loyalty Management and Fraud & Risk Management.

It has evolved over the last two decades in line with various credit card businesses of banks into a mature and powerful application exceeding the expectations of the end users both in terms of performance and functionality.

With Global Implementation capabilities, the solution addresses lifecycle management for Card Issuing and Merchant Acquiring business supporting all types of Payment products viz, Credit, Debit, Pre-paid and other major payment brands.

Salient Features

• Intellect Cards is a highly flexible and a parameterized system addressing the needs of both Bank Cards and Retail Cards business.
• Intellect Card supports Multiple Organizations, Multiple Payment Brands, Multiple Business Models (Bank Card, Private Label & White Label), Multiple Languages, Multiple Currency & Multiple Time zones.
• It is built on a scalable architecture utilizing Service-Oriented Architecture Principles to handle upto 10 million Card volumes with 1000 plus concurrent users deployable on Sun Solaris or IBM AIX platforms.
• Intellect cards is fully EMV complaint and supports Mchip 4 series for Master card branded programs and VIS 1.4.2 for Visa branded programs. Alternatively it supports personalization bureau interface even for CPA platform cards with comprehensive CRM and CVM rules.
• Intellect cards support both magnetic stripe grade issuers and chip grade issuers along with comprehensive DE55 analysis as part of Issuer Authorization process.
• Comprehensive EMV data elements captured, used in key areas of processing viz. authorization and clearing. Critical Validations are done using the TVR/CVR contents for enhanced data integrity and risk control.
• End- to-end Disputes and Chargeback life cycle Management.
• Transaction level pricing enables Issuers and Acquirers link revenue and pricing directly at the transaction level moving away from the traditional product based pricing.
• Online OTB replenishment and real time Card Status update
• Comprehensive and highly parameterized Installment Credit Management module with flexible interest definition and schedule structuring plans.
• Parametric definition of delinquency measures and the tracking of key delinquency indicators aids in effective portfolio management
• Comprehensive Merchant Acquiring business functionality that includes Workflow based Merchant Enrollment, Terminal Management, Merchant Advantage Plan, Merchant Incentive Management and Promotions.
• Scientifically designed N-way reconciliation of entities enables Issuers and Acquirers create myriad of business processes which can be used as a data migration tool as well.
• SOA based tool for configuration of reports.
• Fraud early warning module for effective risk management across the Issuing and Acquiring business.