SmartIssuer

Two Options for Data Input

SmartIssuer electronically captures data from core banking or other external personal data management systems to eliminate manual entry, improve accuracy, and reduce operational costs.

Fully Configurable Product Engine

SmartIssuer provides flexible configuration tools to help issuers create innovative card products on-the-fly. By selecting from pre-defined sets of card characteristics, issuers can quickly design targeted card products that exactly match customers’ requirements.

Product Development Tools

Tools are provided to organize product templates, such as base commission rates, agreement terms, and other parameters that apply to customers within a defined template. SmartIssuer is completely flexible and is not limited to specific templates.

Flexible Fee Setup

SmartIssuer supports flexible fee calculation rules set up, as well as transactional and event-driven fees. Various fee calculation algorithms are supported, including fixed value, fixed value threshold, fixed value tiered, percentage value, percentage value threshold, percentage value tiered, and combinations of these types.

Numerous Card Types

Multiple card types can be created that follow various payment schemes—VISA, MasterCard, China UnionPay (CUP), Diners Club, American Express, and proprietary cards—also different physical card types such as magnetic stripe, contact and contactless chip cards, co-branded cards, individual and corporate cards, and supplementary cards linked to main accounts. Debit, credit, and prepaid cards are also supported.

Multicurrency Support

Multicurrency support is provided and various rules can be applied to define fund sources. SmartIssuer can accommodate accounts in local currency for local transactions, account selection, and others. SmartIssuer provides flexible ways to debit accounts—an important feature for cards that support multiple currencies.

Customer Notifications

SmartIssuer provides a variety of notifications for different transactions and events, providing customer information pertaining to both financial and non-financial messages, such as a PIN change.

Unique Statement Features

SmartIssuer supports different statement rules setup with various statement generation cycles supported—weekly, monthly, or quarterly according to customers’ banking requirements.

Saved Customer Profiles

SmartIssuer maintains customers’ personal profiles including most regular payments and stand-in payment orders saved and used by the system such as paying specific amounts on certain established days to specific payment destinations.

Card Management

Through a web interface, SmartIssuer provides comprehensive information about the cardholder and account relationship.

Financial Transaction Processing

SmartIssuer supports the full clearing and settlement cycle for all authorized financial transactions in accordance with the issuer’s pre-set rules.

Built-in Dispute Resolution Workflows

SmartIssuer supports the complete cycle of dispute resolution from customer inquiry to write-off.

Sophisticated Accounting Tool

SmartIssuer includes a comprehensive accounting tool that is purpose-built to manage the complexity and sophistication of the payments business.

Standard and Customized Reporting

SmartIssuer provides a comprehensive set of standard reports such as reports required by local regulators or payment schemes, operational reports, and management reports.