Intellect Cards

One stop solution for all payment card needs

Intellect Payments Limited

Confidential to Intellect 1
Who are we? Intellect Payments

DIGITAL PRODUCT POWERHOUSE

 Intellect is positioned at the forefront of the digital

transformation i.e. creating a seamless experience through agile
solutions and products.

 Intellect Payments is a newly spun off start-up (of IDAL) in with

a vision to establish ourselves as the leading player in the retail
payments space, including:
 Bank and Retail cards
 E-tailer cards
 E-Wallets

Recognitions

Research Commitment | Exemplary Execution | Strong Customer Relationship | Multi Dimensional Learning
Confidential to Intellect 2
 Intellect Cards – An Overview

Confidential to Intellect 3
Intellect Cards An Overview

A Highly fl exible and parameterized system

addressing the needs of Credit Cards, Debit Cards,
Prepaid Cards and Retail Cards business

It is built on a Modular Architecture which brings with it

the convenience to choose ‘mix and match’ of modules
relevant to the client`s business rather than investing on
the whole product.

Highly Scalable and a Cost efficient system capable of

supporting 10 Million cards , 12 million transactions and
1000+ concurrent users.

Supports Multi-organizations, Multi-business models,

Multi-currency & Multi-languages.

Intellect Cards supports all compliances mandated

by EMV Co and various payment schemes such as
VSDC1.4.1 for Visa and MChip 4 series for
MasterCard

A browser based GUI System built on J2EE

Architecture on Unix platf orm with Oracle as the
database

Confidential to Intellect 4
How Intellect Cards Operates

TRANSACTION INITIATION CHANNELS

ATM POS Branch Internet Mobile IVR

SWITCH
INTELLECT ARX SECURITY
EXTERNAL
INTERFACES
INTELLECT CARDS

INTELLECT FT MESSAGE HUB

Card
INTELLECT ISSUER INTELLECT ACQUIRER Personalization
Product Merchant Merchant Statement
Card Booking Authorization Printing
Management Enrolment Commissions
Billing and Merchant Data
Payments Customer Service Merchant Services Warehousing
Statements Settlements
Credit Bureaus
Interchange Management Financial Accounting & GL Hands Off
Utility Payments

Intellect Origination Intellect Collect Intellect FEWS Intellect Loyalty Core Banking

SWITCH
ASSOCIATIONS / SCHEMES

VISA MasterCard RuPay Private Label Co-brands

Confidential to Intellect 5
 What Intellect Cards Contains

Product Customer Transaction Payment Customer Merchant Fraud and Risk Loyalty Financial Regulatory
Authorization Collections
Classes Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Acquiring Rewards VISA &

Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards Velocity Checks Parameters Parameters Set Definition Parameters Set Workflow Set Up FraudSet
Parameters
Up
Schemes Definitions
MasterCard
Product Set Up Up Up Definition Compliance
Currency and Interest Rates Payment Customer Franchise Data Refresh Elite Schemes Set GL Accounts Base II & IPM File
Debit Cards Credit Segments Exchange Rates Management Allocation Logic Relationship Parameters Queue Definition from Core Up Mapping Formats
View Definition Processes
Contracts Billing Cycle Payment Lost/Stolen Terminal Customer Fraud Extraction Accrual and Accounting Entry Scheme Bi-
Prepaid Cards Management Request Types Definition Processing Reporting Management Segmentation and Detection Redemption posting Annual Mandates

Online/Batch Billing Process Online OTB Reissues and Commissions and Data Update Stock Hand Off to GL EMV Compliance
Workflow Set Up Authorization Parameters Replenishment Renewals Discounts from Cards Host Queue Allocation Management

Business Rule Online OTB Interchange Daily Payment Installment NMAS/MATCH Queue Fulfillment and PA DSS
Case Review Despatch GL Process Compliance
Definitions Update Clearing Process Allocation Simulation Checks Allocation

Application Data Transaction Delinquency Limit Merchant Follow Up &

SAF Processing Increase/Decreas Worklist Actions Points Gifting Reconciliation
Capture Posting Tracking Enrolment Closure
e
Credit Bureaus Interface to Installments Cycle Code Merchant Agency Referrals to Cobrand
Interfacing Switch Processing Change Payments Management Collections Conversion

Scoring and Files for STIP Fees & Charges Product

Evaluation Support Computation Swaps/Upgrades

Credit Card Financial

Underwriting Authentication Adjustments Utility Payments

Card Customer Billing Non-financial

Personalization Updates
Statements of Disputes and
Card Activation Accounts Chargebacks
Credit Communications
PIN Requests Restructuring and Alerts

Confidential to Intellect 6
 What Intellect Cards Contains

Product Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Authorization Collections
Classes Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Credit Cards
Organization / Product
LimitsClasses
and Transaction
Parameters Set
Block Codes
Workflow Set Up Parameters Set Schemes Parameters Set
Fin Act Codes
MasterCard
Product Set Up Velocity Checks Parameters Definition Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Credit Segments •
Interest Rates Elite Schemes GL Accounts Base II & IPM
Debit Cards
A single
Currencysystem
and capable to handlePayment
Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic Set Up Mapping File Formats
Credit, Debit and Prepaid Cards View Processes Definition Scheme Bi-
Contracts Billing Cycle Payment Lost/Stolen Customer Fraud Extraction Accrual and Terminal Accounting Entry
Request Types Annual
Prepaid Cards Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates
Online/Batch Billing Process Online OTB Reissues and Data Update Stock Commissions
Workflow Set Up Queue Allocation Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Business Rule Online OTB Interchange Daily Payment Installment Queue Fulfillment and NMAS/MATCH PA DSS
Case Review GL Process
Definitions Update Clearing Process Allocation Simulation Allocation Despatch Checks Compliance
Limit
Application Data Transaction Delinquency Follow Up & Merchant
SAF Processing Increase/Decreas Worklist Actions Points Gifting Reconciliation
Capture Posting Tracking Closure Enrolment
e
Credit Bureaus Interface to Installments Cycle Code Agency Referrals to Cobrand Merchant
Interfacing Switch Processing Change Management Collections Conversion Payments
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
Credit Card Financial
Utility Payments
Underwriting Authentication Adjustments

Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 7
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Currency and Interest Rates Payment Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments Exchange Rates
Customer
Management
Acquisition
Allocation Logic
Relationship Queue Definition from Core
Set Up
Parameters
Mapping File Formats
View Processes Definition Scheme Bi-
Billing Cycle Payment Lost/Stolen Customer Fraud Extraction Accrual and Terminal Accounting Entry
Prepaid Cards Contracts
Management
Request Types •Definition
3M Ready: Multi-org,
Processing Multi-lingual,
Reporting
Multi-currency
Segmentation and Detection Redemption Management posting
Annual
Mandates
Online/Batch Billing Process Online OTB Reissues and Data Update Stock Commissions
• Hand Off to GL EMV Compliance
Workflow Set Up Authorization Configurable
Parameters workflow-based
Replenishment Renewalscustomer
fromon-
Cards Host
Queue Allocation
Management and Discounts
Online OTB
boarding process
Interchange ably
Daily Payment
supported by a parametric
Installment Queue Fulfillment and NMAS/MATCH PA DSS
Case Review GL Process
Business Rule
Definitions Update business
Clearing Process rule engine
Allocation Simulation Allocation Despatch Checks Compliance
Limit
Transaction Delinquency Follow Up & Merchant
SAF Processing Increase/Decreas Worklist Actions Points Gifting Reconciliation
Application Data
Capture
•Posting
Ability to online
Trackinginterface with Credit bureaus for Closure Enrolment
e
Interface to evaluation during application
Installments processing
Cycle Code Agency Referrals to Cobrand Merchant
Credit Bureaus Switch Processing Change Management Collections Conversion Payments
Interfacing
Files for STIP • & Charges
Fees Online and Batch Embossing support
Product
Scoring and Support Computation Swaps/Upgrades
Evaluation
Card •Financial
Configurable card activation options
Utility Payments
Credit Authentication Adjustments
Underwriting
Non-financial
Customer Billing
Card Updates
Personalization
Statements of Disputes and
Accounts Chargebacks
Card Activation
Credit Communications
Restructuring and Alerts
PIN Requests

Confidential to Intellect 8
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Transaction Block Codes Fin Act Codes
Credit Cards Limits and Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Credit Segments Currency and
Interest Rates Authorization
Payment
Relationship Queue Definition from Core
Elite Schemes
Parameters
GL Accounts Base II & IPM
Debit Cards
Exchange Rates Management Allocation Logic Set Up Mapping File Formats
View Processes Definition Scheme Bi-
Prepaid Cards
Contracts Billing Cycle •ConfigurableLost/Stolen
Payment velocity checkCustomer
parametersFraud
forExtraction Accrual and Terminal Accounting Entry
Annual
Management Request Types Definition Processing Reporting Segmentation and Detection Redemption Management posting
authorization Mandates
Billing Process Online OTB Reissues and Data Update Stock Commissions
Workflow Set Up Online/Batch Queue Allocation Hand Off to GL EMV Compliance
Parameters Replenishment Renewals from Cards Host Management and Discounts
Authorization • Support for Online , batch and manual
Business Rule Interchange Daily Payment Queue Fulfillment and NMAS/MATCH PA DSS
Online OTB authorizationInstallment Case Review GL Process
Compliance
Definitions Clearing Process Allocation Simulation Allocation Despatch Checks
Update
Limit
Application Data Transaction Delinquency Follow Up & Merchant
• Online OTB update andWorklist
Increase/Decreas replenishment
Actions Points Gifting Reconciliation
Capture SAF Processing Posting Tracking Closure Enrolment
e
Credit Bureaus Installments Cycle Code Agency Referrals to Cobrand Merchant
Interfacing Interface to Processing
• Support for STIP – Online and
Management
Batch SAF
Collections Conversion Payments
Change
Switch
Fees & Charges
processing
Scoring and Product
Evaluation Files for STIP Computation Swaps/Upgrades
Credit
Support
Financial
• Ability to interface with international switch
Underwriting Card Adjustments brands in ISO8583 messaging format
Utility Payments
Authentication
Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 9
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction
Transaction
Block Codes Processing Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Currency and
Interest Rates
Payment •Support for definition of up to 999 unique Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic transaction
View codes Processes
Set Up
Definition
Mapping File Formats
Scheme Bi-
Contracts Payment Lost/Stolen Customer Fraud Extraction Accrual and Terminal Accounting Entry
Prepaid Cards Request Types Billing Cycle Annual
Redemption posting
Management Definition Processing • Integrated installments module to support various
Reporting Segmentation and Detection Management
Mandates

Workflow Set Up
Online/Batch
Billing Process
Online OTB options
Reissues and of installment
Data Update transactions
Queue Allocation
Stock Commissions
Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Fulfillment and PA DSS
Business Rule Online OTB
Interchange
Daily Payment • Flexible Balance
Installment Queue
TransferCase
options
Review
NMAS/MATCH
GL Process
Definitions Update Allocation Simulation Allocation Despatch Checks Compliance
Clearing Process
Limit
Application Data Delinquency Follow Up & Merchant
SAF Processing Transaction • Credit Restructuring
Increase/Decreas Worklist Actions facilities such as Points
Refinance
Gifting Reconciliation
Capture Posting Tracking Closure Enrolment
ande Renegotiation
Credit Bureaus Interface to Cycle Code Agency Referrals to Cobrand Merchant
Interfacing Switch Installments Change Management Collections Conversion Payments
Processing
• Definable fees and charges
Scoring and Files for STIP Product
Evaluation Support Fees & Charges Swaps/Upgrades
Computation
Credit Card
• Support for up to 28 Billing Cycles in a calendar
Financial Utilitymonth
Payments
Underwriting Authentication
Adjustments
Card Non-financial
Personalization Customer Billing
• Configurable
Updates Billing process parameters
Disputes and
Card Activation
Statements of • Parametric
Chargebacks definition of statement interfaces
Accounts
Communications
PIN Requests
Credit and Alerts
Restructuring

Confidential to Intellect 10
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction Payment Block Codes Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Up Definition Definitions
Up Definition Up Compliance
Currency and Interest Rates
Customer Payment Processing
Data Refresh
Elite Schemes
Franchise
GL Accounts Base II & IPM
Debit Cards Credit Segments Payment Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic Set Up Mapping File Formats
View Processes Definition Scheme Bi-
Contracts Billing Cycle Lost/Stolen • Multiple Fraud
Customer payment options
Extraction : Online,
Accrual and Batch, SI, ECS
Terminal Accounting Entry
Prepaid Cards Request Types Payment Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates
Online/Batch Billing Process Reissues and • Update
Data Configurable payment allocation
Stock logic Commissions Hand Off to GL EMV Compliance
Workflow Set Up Online OTB Queue Allocation
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Business Rule Online OTB Interchange
Daily Payment
Installment •Queue
Online OTB replenishment
Case Review
withandimmediate
Fulfillment refresh
NMAS/MATCH
GL Process
PA DSS
Definitions Update Clearing Process Simulation Allocation Despatch Checks Compliance
Allocation of delinquency blocks
Limit
Application Data Transaction Follow Up & Merchant
SAF Processing Delinquency Increase/Decreas Worklist Actions Points Gifting Reconciliation
Capture Posting Closure Enrolment
Tracking e • Daily payment allocation processing
Credit Bureaus Interface to Installments Cycle Code Agency Referrals to Cobrand Merchant
Interfacing Switch Processing Change Management Collections Conversion Payments
• Delinquency stamping and tracking using three
Scoring and Files for STIP Fees & Charges Product
Computation
distinct parameters: DPD, Delinquency Buckets and
Evaluation Support Swaps/Upgrades
Portfolio Indicator
Credit Card Financial
Utility Payments
Underwriting Authentication Adjustments

Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 11
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters
Up
Definition Customer
Up
Services
Definition Up
Definitions
Compliance
Data Refresh Franchise
Currency and Interest Rates Payment Customer Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic
View •Processes
360 degree view Set Upof the customer and
Definition
Mapping File Formats
Scheme Bi-
Prepaid Cards
Contracts
Request Types
Billing Cycle Payment
Lost/Stolen
Customer effective
Fraud Extraction servicing
Accrual and Terminal Accounting Entry
Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates

Workflow Set Up
Online/Batch Billing Process Online OTB
Reissues and
Data Update • Supportfor card
Queue Allocation
Stock life cycle management
Commissions – Off to GL
Hand EMV Compliance
Authorization Parameters Replenishment from Cards Host Management and Discounts
Renewals Renewals, Reissues, Replacements
Business Rule Online OTB Interchange Daily Payment Queue Fulfillment and NMAS/MATCH PA DSS
Installment Case Review GL Process
Definitions Update Clearing Process Allocation Allocation Despatch Checks Compliance
Simulation • Easy Billing Cycle Code Change backed by
Application Data Transaction Delinquency Follow Up & Merchant
SAF Processing Limit Worklist Actions configurable Points
business
Gifting rules Reconciliation
Capture Posting Tracking Increase/Decreas Closure Enrolment
e
Credit Bureaus Interface to Installments Agency Referrals to Cobrand Merchant
Interfacing Processing Cycle Code Management
• Online
Collections
Credit Limit Increase
Conversion
support
Payments
Switch
Change
Scoring and Files for STIP Fees & Charges
Evaluation Support Computation Product
• Online Product Swap for product upgrades
Swaps/Upgrades
Credit Card Financial
Underwriting Authentication Adjustments • Support for Utility Payments
Utility Payments
Card
Customer Billing
Personalization Non-financial • Effective Dispute management in
Statements of
Updates conformance to rules and regulations of
Card Activation
Accounts Disputes and Schemes
Chargebacks
Credit
PIN Requests
Restructuring
Communications
and Alerts

Confidential to Intellect 12
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards Parameters Set Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition
Workflow Set Up Collections Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Currency and Interest Rates Payment Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship from Core Parameters
Exchange Rates Management Allocation Logic Queue Definition • Workflow
Set Up based recoveries Mapping File Formats
View Processes Definition Scheme Bi-
Contracts Billing Cycle Payment Lost/Stolen Fraud Extraction management
Accrual and Terminal Accounting Entry
Prepaid Cards Request Types Customer Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates
Online/Batch Billing Process Online OTB Reissues and • Data
StockUpload from Card hosts
Commissions
Hand Off to GL EMV Compliance
Workflow Set Up Data Update Queue Allocation
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Business Rule Online OTB Interchange Daily Payment Installment
Queue Case Review
• Fulfillment
Configurable
and worklists and queues
NMAS/MATCH
GL Process
PA DSS
Definitions Update Clearing Process Allocation Simulation Despatch Checks Compliance
Allocation
Limit
Application Data
SAF Processing
Transaction Delinquency
Increase/Decreas
Follow Up & • Points
RuleGifting
based queue allocationReconciliation
Merchant
Capture Posting Tracking Worklist Actions Closure Enrolment
e
Cobrand
Credit Bureaus Interface to Installments Cycle Code
Agency
Referrals to • Integrated Merchant
Agency Management
Interfacing Switch Processing Change Collections Conversion Payments
Management tool
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
Credit Card Financial
Utility Payments
Underwriting Authentication Adjustments

Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 13
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Rewards Acquiring VISA &

Organization / Limits and Transaction Block Codes Fraud Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition Up Definitions
Up Definition Up Compliance
Currency and Interest Rates Payment
Customer
Data Refresh Elite SchemesFraudFranchise
and Risk Management
GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic Set Up Mapping File Formats
View Processes Definition Scheme Bi-
Contracts Billing Cycle Payment Lost/Stolen Customer Accrual and • Support
Terminalfor Card and Entry
Accounting
Prepaid Cards Request Types Fraud Extraction Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Merchant
Managementrelated potential
posting
Mandates

Workflow Set Up
Online/Batch Billing Process Online OTB Reissues and Data Update
Queue
Stock fraudCommissions
identification
Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Allocation Management and Discounts
Fulfillment and • Configurable parameters PA DSS
GL Process for
Business Rule Online OTB Interchange Daily Payment Installment Queue NMAS/MATCH
Definitions Update Clearing Process Allocation Simulation Allocation Case Review Despatch Checks Compliance
Limit
fraud detection
Application Data Transaction Delinquency Merchant
SAF Processing Increase/Decreas Worklist Actions Follow Up & Points Gifting Reconciliation
Capture Posting Tracking Enrolment
e Closure • Effective Queue
Credit Bureaus Interface to Installments Cycle Code Agency Cobrand Merchant
Processing Referrals to Conversion
management and case review
Interfacing Switch Change Management Payments
Collections mechanism
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
• Support for collection
Credit Card Financial
Underwriting Authentication Adjustments
Utility Payments referrals
Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 14
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Acquiring VISA &

Organization / Limits and Transaction Block Codes Rewards Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters
Up Loyalty Management
Definition
Up Definition Up
Definitions
Compliance
Customer Data Refresh Franchise
Currency and Interest Rates Payment Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship Queue Definition from Core Parameters
Exchange Rates Management Allocation Logic • Set Up Mapping File Formats
Multiple
View Rewards Schemes Processes Definition Scheme Bi-
Contracts Billing Cycle Payment Lost/Stolen Customer Fraud Extraction Terminal Accounting Entry
Prepaid Cards Request Types Accrual and Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
• Accruals and Redemptions Mandates
Online/Batch Billing Process Online OTB Reissues and Data Update Commissions
Workflow Set Up Queue Allocation Stock Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
• Points Conversions for Co-
Business Rule Online OTB Interchange Daily Payment Installment Queue NMAS/MATCH PA DSS
Definitions Clearing Process
branded programs Allocation Case Review Fulfillment and GL Process
Compliance
Update Allocation Simulation Despatch Checks
Limit
Application Data Transaction Delinquency Follow Up & Merchant
Capture
SAF Processing
Posting Tracking
• Support for
Increase/Decreas Cash back
Worklist offers
Actions
Closure Points Gifting Enrolment
Reconciliation
e
Credit Bureaus Interface to Installments Cycle Code Agency Referrals to Merchant
Processing Cobrand
Interfacing Switch Change Management Collections Conversion Payments
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
Credit Card Financial
Utility Payments
Underwriting Authentication Adjustments

Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 15
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards VISA &

Organization / Limits and Transaction Block Codes Acquiring Fin Act Codes
Credit Cards Parameters Set Workflow Set Up Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Merchant
Up Management
Definition
Up Definition Up Definitions
Compliance
Customer Data Refresh
Currency and Interest Rates Payment Elite Schemes Franchise GL Accounts Base II & IPM
Debit Cards Credit Segments Relationship Queue Definition from Core Parameters
Exchange Rates Management • Parametric
Allocation Logic management
View of merchant Processes
Set Up
Definition
Mapping File Formats
Scheme Bi-
Prepaid Cards
Contracts
Request Types
Billing Cycle operations Lost/Stolen
Payment Customer Fraud Extraction Accrual and
Terminal
Accounting Entry
Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates

Workflow Set Up
Online/Batch Billing Process • OTB
Online Merchant definition
Reissues and Hierarchy
Data Update
Queue Allocation
Stock
Commissions Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Business Rule Online OTB Interchange Daily•Payment Queue Fulfillment and PA DSS
MerchantInstallment
Enrolment with NMAS/MATCH
Case Review NMAS/MATCH GL Process
Compliance
Definitions Update Clearing Process Allocation Simulation Allocation Despatch Checks
checks Limit
Application Data Transaction Delinquency Follow Up &
SAF Processing Increase/Decreas Worklist Actions Points Gifting Merchant Reconciliation
Capture Posting Tracking Closure Enrolment
• Various options e for definition of Merchant
Credit Bureaus Interface to Installments Cycle Code Agency Referrals to Cobrand
Interfacing Switch Processing CommissionsChange
and discountsManagement Collections Conversion Merchant
Payments
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation • Effective Terminal management
Swaps/Upgrades
Credit Card Financial
Underwriting Authentication Adjustments • MultipleUtility
options for merchant settlements
Payments

Card and merchant pay outs

Non-financial
Customer Billing
Personalization Updates
Statements of • Integrated merchant
Disputes and services module
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 16
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances

Payment Fraud Rewards Acquiring VISA &

Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards Parameters Set Workflow Set UpFinancial Accounting
Parameters Set Schemes Parameters Set MasterCard
Product Set Up Velocity Checks Parameters Definition Definitions
Up Up Definition Up Compliance
Customer Data Refresh Franchise
Currency and Interest Rates Payment Elite Schemes GL Accounts Base II & IPM
Queue Definition• Hierarchical definition
Set Up of
Debit Cards Credit Segments Relationship from Core Parameters
Exchange Rates Management Allocation Logic Mapping File Formats
View Processes Definition
Contracts Billing Cycle Payment Lost/Stolen Customer
financial activity codes
Fraud Extraction Accrual and Terminal
Scheme Bi-
Prepaid Cards Request Types Accounting Entry Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting
Mandates
Online/Batch Billing Process Online OTB Reissues and Data Update • Hands off to GL using
Stockbatch Commissions
Workflow Set Up Queue Allocation EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Hostinterfaces Management and Discounts Hand Off to GL

Business Rule Online OTB Interchange Daily Payment Installment Queue Fulfillment and NMAS/MATCH PA DSS
Case Review
Definitions Update Clearing Process Allocation Simulation Allocation • Ability to interface with
Despatch Checks GL Process Compliance
Limit
Application Data Transaction Delinquency various GLUpsystems
Follow &
Points Gifting
Merchant
SAF Processing Increase/Decreas Worklist Actions
Capture Posting Tracking Closure Enrolment Reconciliation
e
Credit Bureaus Interface to Installments Cycle Code Agency Referrals to Cobrand Merchant
Interfacing Switch Processing Change Management Collections Conversion Payments
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
Credit Card Financial
Utility Payments
Underwriting Authentication Adjustments

Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 17
 What Intellect Cards Contains

Customer Transaction Payment Customer Fraud and Risk Loyalty Merchant Financial Regulatory
Product Classes Authorization Collections
Acquisition Processing Processing Services Management Management Management Accounting Compliances
Payment Fraud Rewards Acquiring VISA &
Organization / Limits and Transaction Block Codes Fin Act Codes
Credit Cards
Product Set Up Velocity Checks Parameters
Parameters Set
Definition
Workflow Set Up Regulatory
Parameters Set Compliances
Schemes Parameters Set
Definitions
MasterCard
Compliance
Up Up Definition Up
Customer Data Refresh Franchise
Currency and Interest Rates Payment Elite Schemes GL Accounts Base II & IPM
Debit Cards Credit Segments
Exchange Rates Management Allocation Logic
Relationship Queue Definition • Compliant
from Core
Set Up
Parameters
to the Schemes of Mapping File Formats
View Processes Definition
Contracts Billing Cycle Payment Lost/Stolen Customer VISA and MasterCard
Fraud Extraction Accrual and Terminal Accounting Entry Scheme Bi-
Prepaid Cards Request Types Annual
Management Definition Processing Reporting Segmentation and Detection Redemption Management posting Mandates
Online/Batch Billing Process Online OTB Reissues and Data Update • PA-DSS v2.0
Stock certifiedCommissions
Workflow Set Up Queue Allocation Hand Off to GL EMV Compliance
Authorization Parameters Replenishment Renewals from Cards Host Management and Discounts
Business Rule Online OTB Interchange Daily Payment Installment Queue • Compliant toand
Fulfillment EMV NMAS/MATCH PA DSS
Case Review GL Process
Definitions Update Clearing Process Allocation Simulation Allocation specifications for chip card
Despatch Checks Compliance
Limit
Application Data Transaction Delinquency Follow management
Up & Merchant
SAF Processing Increase/Decreas Worklist Actions Points Gifting Reconciliation
Capture Posting Tracking Closure Enrolment
e
Credit Bureaus Interface to Installments Cycle Code Agency • to
ReferralsImplementation
Cobrand of Scheme
Merchant
Interfacing Switch Processing Change Management Collections Conversion Payments
updates and Bi-annual mandates
Scoring and Files for STIP Fees & Charges Product
Evaluation Support Computation Swaps/Upgrades
• Ability to interface with other
Credit Card Financial
Utility Payments Regulatory requirement
Underwriting Authentication Adjustments
management systems
Card Non-financial
Customer Billing
Personalization Updates
Statements of Disputes and
Card Activation
Accounts Chargebacks
Credit Communications
PIN Requests
Restructuring and Alerts

Confidential to Intellect 18
Intellect Cards : Key Features

MCP Technology
1 Multiple Credit Lines

Ease of
Integration using
FT Message Hub 5
Rapid Card
4 2 Issuance

3
Differential Interest Rates
with Transaction Level
Integrated Installment Module with Credit Pricing
Restructuring

Confidential to Intellect 19
 MCP Technology

Confidential to Intellect 20
 What is MCP Technology?

Configurable
Tenure

15 Distinct Credit Lines Flexible Customer

Additional 13 credit lines on a Interest Profile based
1 single card Rates MCP offers

Technology

Channel Seasonal
based Credits Promotions

MCP
Flexible Repayment • Different interest rates can be offered for different types of loan
One Billing Single
Options offerings
Easy Instalment Plans
Statement
2 3 Consolidated view of the • The transactions are configurable with easy repayment tenure
complete portfolio
• Loans can be given based on the customer profile and
demography
• Credit can be extended as promotions for specific periods and
seasons
• Credit lines can be defined for spends made on specific channels
(e.g Internet)
Confidential to Intellect 21
Multiple Credit Lines : Business Models
Example 2: Assess Once and extend
Example 1: Specific Merchant across multiple lines
Based lines • Applicant is evaluated for credit
Three distinct credit lines can be and assigned a limit of 20,000 AED
offered for example, out of which 60% can be set up as
Line 1: Spends on Amazon.com credit line on the card
Line 2: Spends on Souk.com • 40 % can be offered later as
Line 3: Spends on Aido.com specific target based limit as an offer
exclusively for spends for specific
category E.g Electronic Goods

Multiple
Example 3: Rewards linked Sub Models Example 4: Restrict the spends
Limits based on sub limit
Define sub limits for target based Define sub limits for high risk
segments as Airlines say 5000 of segments such as Jewellery for
the Credit line, for example and instance 2000 AED and restrict
offer 2% Cashback for spends in exposure and by not approving
this limit with a cap of maximum beyond the defined sub limit
cash back amount of 500 during
the offer period

Confidential to Intellect 22
MCP Technology Powered by Intellect Cards: In Practice

Business Need & Objective

Super Advance
To cater to retail customers by offering innovative and competitive
credit products yet with a single card account relationship •A high end Cash Advance through product
configuration, where in addition to the
normal Cash Advance, a special segment can
be offered to select customers
•Super advance at a differential interest rate
for specific purposes e.g College /School Fees
Renegotiation
•Credit Restructuring facility to curb
potential delinquency and arrest early
delinquencies
•Execution using additional credit segment
with no termination of the card account

Festivals and Seasons

• Additional credit for select customer
segments for a defined period for instance
Christmas, Independence Day Celebrations
•Discounted interest rates and flexible
repayment options through EMIs

Confidential to Intellect 23
 Rapid Card Issuance

Confidential to Intellect 24
Rapid Card Issuance : Customer Delight

Card
Embossing
• Issuance of Card in 20 minutes or less Credit
from filling up of application Decisioning

• Card Issuance through online , data entry

and batch uploads Business
Checks
• Support for online and batch embossing

• Embossing at the hub locations (branches)

or at a central location (back office)
Credit
Initiation

Confidential to Intellect 25
 Transaction Level Pricing

Confidential to Intellect 26
Transaction Level Pricing: Hierarchical Management
The interest rate definition is a function of the customer segmentation and the transaction attributes with a seven level hierarchy
thereby giving a refined framework for business to promote various flavours of installment transactions for different target groups

Card Type or Logo for e.g VISA Platinum Card

Product
Classification of the customer under the logo
Customer Segment for e.g Premium class of customers with VISA Platinum Card
1
Customer Sub Segment Sub classification of the customer under the same logo
2
for e.g Premium class of customers of NAV > 100K with VISA Platinum Card
Transaction Amount
3 Loan Amount

Tenure Period of repayment

4
Promo Period Promotional offer validity period for e.g Christmas Sale 01Dec’15
5 to 31Dec’15

6 Transaction Code Specific type of transaction as Purchase,

Cash, Installment loan
7

Interest
Rate

Confidential to Intellect 27
 Integrated Installments Module

Confidential to Intellect 28
Integrated Instalments Module
The fully integrated instalments module of Intellect Cards brings with it the ease of definition and
processing of various flavours of instalment transactions

Configurable Promotions and

Plans Seasons
Integrated installment Seasonal credit offers with
module with multiple easy repayment options
options to define various using installments
flavours

Online Refinance
Installments

Options to simulate, choose Refinancing of outstanding

and book installments debt with easy repayment
online options in installments

Confidential to Intellect 29
 Ease of Integration with Intellect MH

Confidential to Intellect 30
Intellect MH: An Overview

What is MH?
• A lightweight Java-based integration platform
• Service Oriented Architecture (SOA) based MH decoupling client
Client Application and service provider
software framework to interface between
disparate (client/service provider) applications

MH

Why do we need MH?

• To increase organizational agility by
reducing time to integrate with internal Service Provider Service Provider
product processors (IPPs) and external (.NET Apps/J2EE Apps) (CICS Mainframe / Legacy Apps)

product processors (EPPs)

MH helps in easy and seamless integration of Intellect Cards with any other application in the ecosystem

Confidential to Intellect 31
 Intellect Cards – Other Modules

Confidential to Intellect 32
Intellect Acquiring: Merchant Management

Horizontal and vertical Hierarchical Merchant Workflow based Merchant

Merchant Grouping Management / ATM enrollment

Commission & Discount

Support for Third management
Party Networks

Merchant
Comprehensive Dispute Management Effective Terminal
Management
Management

Automated Charge processing & Merchant Settlements and

Interchange Management Payouts

Confidential to Intellect 33
 Intellect Acquiring: Commission & Discounts

Scheme Based Pricing

Product level & BIN

based pricing
Merchant Discount & Transaction code based Pricing
Commission Setup
Flexibility Parent and Child level merchant rates

z
Multiple MDR Plans

Intellect Acquiring offers flexibility in Commission and Discount plan setup

which enables business to promote variant pricing models

Confidential to Intellect 34
Merchant Discount and Commissions

NETWORK LEVEL
Merchant Discount &
Corporation
Commission Setup Flexibility
Level (L1)
 Scheme Based Pricing
 Product Level / BIN based
Pricing Business Level
 Transaction Code Based (L2)
Pricing
 Parent / Child level
Store Level
Merchant rates
(L3)
 Multiple MDR Plans

Terminal
Level (L4)

Confidential to Intellect 35
Merchant Fees and Charges

Fee type Corporation Level (L1)

 Volume Plan Frequency

Guarantee fee
• Fortnightly
Business Level (L2) • Monthly
 Merchant
• Quarterly
Infrastructure
• Yearly
Fee

Store Level (L3)

Fee Plan Dimension Plan Level

Terminal Level (L4)
 Count Parent Merchant
 Volume
 Average Child Merchant
Ticket size
Terminal Level
Plan 1 Plan 2 Plan 3 Plan 4

Confidential to Intellect 36
Scheme Compliance: VISA and MasterCard

 Integrated Interchange Presentment

Management
Retrieval Request
 Compliant to scheme AUTOMATED CHARGE
PROCESSING
Regulations Retrieval Request
Fulfillment
 Clearing files adherent to WORKFLOW BASED DISPUTE
1st Chargeback
MANAGEMENT
Base II and IPM formats
Second Presentment
 Workflow based Dispute COPY REQUESTS / CHARGEBACKS
Management Arbitration Chargeback

ASSOCIATION FILE FORMATS Issuer Acquirer

Arbitration Procedure .

Confidential to Intellect 37
Intellect Loyalty : An Overview

Accruals
 Accrual based on transaction
types and Promotions
Schemes  Differentiated Rewards
 Highly Parameterized
programs based on MCC,
 Multiproduct system with
Merchant
transaction based rewards

Redemptions
 Multiple Redemption Options
 Gift/Inventory Management

Confidential to Intellect 38
Intellect Loyalty : Highlights

Flexible Scheme Definition Comprehensive Accrual &

Product Type Redemption Management
Member Type Transaction type
Charge Type Accrual rates
Transaction Type Redemption Rates
Merchant Reversal Rates
Delinquency Levels

Easy Accrual &

Customized Elite Schemes Redemption
Product Type Accumulation
Member Type Integrity Checks
Delinquency Checks

Points Gifting &

Adjustments
Co-brand Conversions Gift Vouchers
Co-Brand Handoff Points Adjustment
Add / Subtract Points
Inventory

Confidential to Intellect 39
Intellect FEWS : Fraud Early Warning System

• Setup parameters to identify potential frauds

• Grouping Parameters: Charge Grouping, Country Grouping, Card Grouping
Assign • Fraud Detection Parameters: Charge Velocity, Off Hour Transactions
• Credit Parameters: Credit Exposure, Credit Balance
• Helps perform Risk grouping and Risk Ranking

• Risk Groups and Risk Ranks

• Grouping based on intensity of suspicion / exposure
Assess • Ranking assigned to work items for high focus
• Risk Groups: High, Medium and Low
• Risk Ranks : Priority 1 to 99

• Monitoring transactions across channels : ATMs, POS & internet

• Sequential and Random Review
• Selection based on Risk Groups and Risk Ranks
Analyze • Configurable Review Statuses: Confirmed Fraud, Confirmed Genuine, Cancelled,
Unworked, Pending, Telecalling and Field investigation
• Support for Reports and MIS

Confidential to Intellect 40
 Technology Landscape

Confidential to Intellect 41
Intellect Cards Hardware and Software

Hardware SUN / IBM / Intel

Operating System Sun Solaris 10.1 / 13 / AIX 7.1/Oracle Enterprise Linux 6

Database Oracle 12c Enterprise Edition

App Server Web logic 12 / Web sphere 7.1

Confidential to Intellect 42
 Intellect Cards Technical Architecture
Client Layer
The Client Layer consists typically of a thin client
that is a browser running on a user’s desktop

Application Server Tier

Application server tier would host the Weblogic or
WebSphere application server

Web Controller
A gateway servlet is deployed to listen to all client
requests

Application Controller
The application controller gives a business event
view for the Client listeners

Event Handlers
This component implements the logic to navigate
between different business components

Business Components
Business components are highly cohesive and
loosely coupled meeting the requirements of a
particular functional requirement

Data Access Components

These are set of Java Classes for interacting with
the database
Confidential to Intellect 43
 Intellect Cards – Value Proposition

Confidential to Intellect 44
 Complete Solution: Rich Functionalities

A plethora of functionalities as offered by a Credit Cards solution to meet market requirements and much more.....

 Easy Product Launch  Comprehensive fees/charges/tax

 Differential Interest Rates  Billing Statement Interfaces

 Integrated Installment Module  Delinquency Stamping & Tracking

 Transaction Level Pricing  Standing Instructions

 Refinance and Renegotiation  Hierarchical Merchant Management

 Payment Holidays  Multiple MDR Plans

 Utility Bill Payments  Merchant Payments

 Billing Cycle Change  Merchant Servicing

Confidential to Intellect 45
Intellect Advantages

• A single platform that can service Retail Cards

and Scheme Cards
Co
n fig
• Format Configurations and Mapping, with Single u rab
the need for high configurability to ensure easy Platform le
adoption of new formats or changes to existing
formats Ru
ba le
se
Why d
• Rule Based transaction orchestration for
different transaction types, formats , customer
Intellect?
specific rules

SO chi
Seamless

Ar
A tec
• Superior SOA based architecture providing a Integration
strong core framework for easy customization

tu
re
• Implementation Accelerators to ensure
execution excellence e c u ti on
Ex nce
c el le
• Seamless integration with existing technology Ex
landscape

Confidential to Intellect 46
Intellect : What we can Offer

 ‘State of the art’ solution leveraging our global expertise and best practices

 Multiple alternative payments methods - mobile wallets, e-tailer Cards

 Helps to innovate and differentiate in the market

 Agile partner who can provide innovative functionalities

 Flexible deployment and commercial models enabling the business to take

decisions based on TCO

Confidential to Intellect 47
 Case Studies

Confidential to Intellect 48
Case Study 1: Our Experience with Walmart Presto Chile
Business Need & Objective
To migrate the existing retail cards business from a 3rd party
2.5 million hosted model to an in-house model Compliance to
Cards Local
1200 Users Regulations

150+ Business
interfaces specific retail
(20+ real-time) functionalities

Structured migration Single view of customer

using proprietary Data profile with 360 degree
Migration Tools customer view

60-80% reduction in time-to-

No reissue of cards during Seamless integration with external and
market for new launches or
migration resulting in no internal systems using Intellect FT
regulatory changes
additional plastic costs Message Hub

Highly parametric and Retail rich business specific Compliant to regulations of SBIF
configurable solution functionalities and Sernac Financiero

Confidential to Intellect 49
Case Study 2: Our Experience with Canara Bank India
Business Need & Objective
Replacement of several custom-built in-house satellite Systems
1.0 million and migrate to a single integrated platform Compliance to
Credit Cards Local
3000+ branches Regulations

Meeting Bank
10 million Card
Debit Cards requirements

Progressive modernization
approach for a seamless Comprehensive reports
migration (150+) and advices

Solution of Issuing and Acquiring

Integration with existing Flexcube
Single platform supporting Debit and modules along with Fraud
core banking system and Base-24
Credit Cards with EMV Compliance Management and Loyalty systems
Switch

Highly parametric and J2EE enabled SOA architecture Compliant to RBI and Visa
configurable solution /MasterCard Regulations

Confidential to Intellect 50
Case Study 3: Our Experience with ABC Din Chile (Under Implementation)
Business Need & Objective
To replace their existing custom-built in-house Card Management
System and integrate with multiple satellite systems Comprehensive
1.8 million Cards reports & advices
(!00+)

Multiple flavors of
Multiple Satellite Campaigns for
system interface retail segment

Compliance to Comprehensive
regulatory and scheme Associate Commerce
mandates (VISA / Merchant Management
MasterCard) solution

Scalable to handle high volumes

Seamless conversion from Oracle
Seamless Interchange Processing with reduced operation and
based in-house system to three tier
and effective reporting capability maintenance cost
J2EE (SOA) enabled architecture

Multiple flavors of payment Cards

Projected Volume growth viz. MasterCard, VISA, Corporate Compliant to local regulations and
through wider acceptance cards with EMV Chip Compliance VISA / MasterCard mandates

Confidential to Intellect 51
 Intellect Cards: Customer Journeys

Confidential to Intellect 52
User Journey 1a : Application Processing - Portal

John Smith applies for a card through online portal of the bank

The application is acknowledged and a ‘Thank you’ message is sent to

John by SMS

L0 Mapping:
The application is evaluated for the basic policy checks and John is
contacted by a field executive for collection of the required documents - G2.6
- G2.7
The Origination module receives and processes the application - G2.8
received online along with the documents received - G2.9

The application is evaluated, credit limit is assigned and the customer

is on-boarded through scoring and evaluation process

Confidential to Intellect 53
User Journey 1b : Application Processing – DSA sourced

Elton John applies for a card through Rhombus Associates, one of the
sales partners (DSA) of the Bank

The application is acknowledged and a ‘Thank you’ message is sent to

John by SMS

The application is checked for the fulfillment of all the basic L0 Mapping:
requirements (DIP – Documents Image Processing) and data entered
- G3.2.6
as it cleared the DIP check
- G3.2.7
The application is evaluated for the basic policy checks, credit bureau - G2.8
checks and is scored - G2.9

Based on the scores John is recommended for a VISA Platinum and a

credit limit is assigned

The VISA Platinum card account is created for John and the card is
embossed and sent by courier

Confidential to Intellect 54
 Application Processing Data Entry

Confidential to Intellect 55
User Journey 2 : Card Issuance

Bryan Adams applies for a MasterCard Gold credit card

The application is uploaded as a batch file, evaluated and

approved for the applied product with a credit limit of INR
5,00,000 and cash limit of INR 2,00,000
L0 Mapping:
The embossing file is generated as a batch file for handing off to
the personalization vendor - G3.2.9
- G3.2.10
- G3.2.11
The batch file is processed for card embossing and printing

The card is dispatched to Bryan and the card gets activated

once Bryan’s request for the same is received at the call center.

Confidential to Intellect 56
User Journey 2a : Card Issuance

The application is either approved or rejected and sourced to the

Card Issuance module

The system validates the application data and card number is generated

The embossing file is generated for individual or as a batch file for card L0 Mapping:
embossing
- G3.2.9
- G3.2.10
The embossing file is handed off to the embossing vendor for card - G3.2.11
embossing and printing

The card is dispatched to the customer and card is activated upon request

Confidential to Intellect 57
User Journey 2b : Rapid Card Issuance

Srinivasan applies for an Alter Ego Card at the branch

The application is entered and evaluated online with an approval

L0 Mapping:
Rodney signs the contract as an agreement for the T&C’s
- G3.2.9
- G3.2.10
The card account is set up and the card number is generated - G3.2.11

The embossing file is generated and the card is printed immediately

Rodney receives the card , activates it at the branch immediately and

heads for making a purchase

Confidential to Intellect 58
 Card Booking
2.b.1
Card Number Generation

Confidential to Intellect 59
 Card Booking
2.b.2
Card Embossing

Confidential to Intellect 60
 Card Booking
2.b.3
Print Card

Confidential to Intellect 61
 Card Booking
2.b.4
Card Acknowledgement

Confidential to Intellect 62
 Card Booking
2.b.4a
Card Acknowledgement

Confidential to Intellect 63
 Card Booking
2.b.5
Card Activation

Confidential to Intellect 64
User Journey 3 : Purchase Transaction

Rodney Stewart purchases Jewellery at Orion Joyeria, a merchant of

ABC Bank

The transaction request is validated for velocity checks and policy

checks
L0 Mapping:

The transaction is authorized successfully and the OTB of the card - G3.3.1
account is updated online - G3.3.3
- G3.3.4
- G3.3.5
The authorized transaction is displayed in the authorization log - G3.4.5
- G3.4.6

The clearing files are received from ABC Bank and matched off

The transaction is matched off successfully and posted into the card
account

Confidential to Intellect 65
User Journey 4 : T&E Transaction – Pre-authorization

Mr. Maurice checks into Hilton Hotel of XYZ bank and the hotel
requests for Pre-authorization

The Pre-authorization request is processed by the system successfully

L0 Mapping:

The OTB of the card account is reduced for the Pre-Authorization - G3.3.1
amount and is ear-marked - G3.3.3
- G3.3.4
Maurice extends the stay and the final transaction amount exceeds the - G3.3.5
Pre-authorization amount - G3.4.5
- G3.4.6

The merchant completes the transaction and the final transaction

amount is presented for clearing

The clearing files are received from XYZ Bank and matched off

The difference is updated to the OTB and the final amount posted into
the card account
Confidential to Intellect 66
User Journey 5: MCP Technology - Super Advance

Bank runs a special campaign ‘ Super Advance’ and offers Loan on

Card to a select class of customers

The campaign is run for a defined period of 3 months

L0 Mapping:

The offer is of an installment loan with easy repayment option in 6 , 12 or - G3.3.1

24 months for the customer to choose - G3.3.3
- G3.3.4
- G3.3.5
Customer Mr. Richard being one of the eligible prospects is set up with
- G3.4.5
an additional line for Super Advance (additional line being referred to as
- G3.4.6
L3 Segment)
Customer Mr. Richard avails the offer extended and opts for a tenure of
12 months
The transaction is posted on L3 and the EMI schedule is prepared

Confidential to Intellect 67
 Authorizations
Manual Authorization

Confidential to Intellect 68
 Authorizations
Authorization Log View – Search Options & View

Confidential to Intellect 69
 Authorizations
Authorization Log View – Search Options

Confidential to Intellect 70
User Journey 6: Credit Limit Increase

Ms. Priyanka applies for a credit limit increase along with

supporting documents

The customer’s current status is evaluated

L0 Mapping:
The customer’s credit worthiness is assessed by interfacing online with
the credit bureaus - G3.6.6
- G3.2.7
- G3.2.8
The bureau results are positive*** and the scoring and credit evaluation
- G3.2.9
recommends the eligible credit limit increase

The new credit limit is updated on the card account

*** - A negative bureau check or a negative credit evaluation would have resulted in the Credit Line
request getting declined and an SMS/email alert being sent across to Ms. Martina on the same

Confidential to Intellect 71
 Customer Service
Credit Limit Increase / Product Swap

Confidential to Intellect 72
User Journey 7: Balance Transfer

Bank extends a special balance transfer offer with easy repayment

option in 6, 12 or 18 months

The balance transfer is set up as a separate line segment L4

The balance transfer transaction is configured with the interest rates for L0 Mapping:
the different tenure options extended
- G3.4.7
- G3.4.8
Chris Martin wishes to transfer his balance outstanding on his other
Bank card account to ABC Bank

Chris Martin calls the Customer Service and requests for the balance
transfer request. The details are captured online and a request is placed

The balance transfer is processed with the Chris choosing a repayment

option of 6 months tenure

Confidential to Intellect 73
User Journey 8: Reissuance of Card

Customer reports loss of his MasterCard card by calling up the call

center

The customer service executive blocks the card as ‘Lost’

L0 Mapping:
The card is reissued as requested by the customer and is sent to the
mailing address - G3.6.4
- G3.2.10
The card is updated with a block status of ‘23’ - G3.2.11

A new card number is generated for reissue under the card account

Confidential to Intellect 74
 Customer Service
Lost / Stolen Block

Confidential to Intellect 75
User Journey 9: Change of Address

Ms. Priyanka has changed her job and wishes to change the address
details

The new address details of her Office are updated

The customer also chooses to change the mailing instructions from Office L0 Mapping:
to Residence
- G3.6.10
The mailing instruction details are updated by the customer service
executive

Letters are sent to the old and new addresses for validation and
confirmation, if configured

Confidential to Intellect 76
 Customer Service
Address Change

Confidential to Intellect 77
User Journey 10: Purchase to EMI

Customer Mr. Colin wishes to convert a purchase transaction made

already into an installment transaction

Upon calling up the call center, he is presented with multiple tenure

options of 6, 12 or 24 months

The customer opts to repay in 12 months L0 Mapping:

- G3.6.5
- G3.4.7
The normal purchase transaction is converted into an installment
transaction

The transaction is posted as an installment transaction under normal line

of credit

The installment processing fee is calculated as per configuration and

posted into the card account

Confidential to Intellect 78
User Journey 11: Billed Total Refinance

Bank offers easy repayment in installments for the billed total of the
card account to its select group of customers

The option is extended through the various channels of portal,

branch , call center

The offer renders the customer the flexibility to repay his billed total in L0 Mapping:
easy installment of 6 ,12 or 24 months
- G3.4.12
- G3.4.7
The customer Mr. Patrick chooses to repay in 6 months period and avails
the offer
The billed total is converted into an installment transaction and posted into
the card account under the normal line of credit

The card account is however in open status for the customer to make
further transactions

Confidential to Intellect 79
 Billed Total Re-finance

Confidential to Intellect 80
User Journey 12: Product Swap

Bank runs a product upgrade campaign and extends the offer to

eligible Gold Cardholders for an upgrade to Platinum Card

Priyanka opts to avail the offer and provides his consent

L0 Mapping:
The customer service executive performs the ‘Swap by invitation’ - G3.6.8
transaction on the card account - G3.2.7
- G3.2.8
- G3.2.9
The new platinum card is generated and issued to Robert - G.3.2.10

The history data on the Gold Card is moved to the new Platinum card
immediately

Confidential to Intellect 81
 Customer Service
Product Swap

Confidential to Intellect 82
User Journey 13: Installment Pre-payment

The card account of Susan Samuel has an installment transaction of

tenure 12 months of which 6 have been billed

Susan wishes to pre-pay the next two months’ EMI considering his
travel and non-availability for the next two months

The request is processed by marking the next two EMIs as paid once the L0 Mapping:
customer makes payments
- G3.4.7
The next two EMIs are accelerated and posted into the card account

The payment received is allocated towards these two EMIs as they are
pre-paid

Confidential to Intellect 85
User Journey 14: Installment Pre-closure

The card account of Mercy Samuel has an installment transaction of

tenure 12 months of which 6 have been billed

Mercy wishes to pre-close the installment transaction by repaying the

remainder EMIs

The request is processed by marking the remaining EMIs as paid once L0 Mapping:
the customer makes payments
- G3.4.7
The transaction is accelerated completely and posted into the card
account

The payment received is allocated towards the pre-closed installment

The installment pre-closure fee is calculated and posted

Confidential to Intellect 86
 Payments
Prepayment / Pre-closure

Confidential to Intellect 87
User Journey 15: Credit Renegotiation

The card account is in Due status of delinquency and the customer Mr.
James seeks for a credit restructuring plan

The bank offers an easy repayment option for the customer through
an installment plan

The customer is offered some waiver on the outstanding charges L0 Mapping:

- G3.4.12
- G3.4.7
The customer makes a down payment upfront and the remainder
outstanding is converted into an installment plan

The open installments on the card account are accelerated and posted
into the card account

A single installment transaction is posted on the L15 credit segment

created specially for the renegotiation offer

Confidential to Intellect 88
 Delinquency
Credit Re-negotiation

Confidential to Intellect 89
User Journey 16: Customer Disputes

Rodney Stewart upon seeing the billed statement of his VISA Gold
card identifies one of the transactions as not performed by him

Rodney raises a dispute by filling in the appropriate form as mandated

by the Bank

The transaction is marked as a disputed transaction L0 Mapping:

- G3.6.11
The customer is given a credit to the extent of the disputed amount - G3.4.5

A Copy Request is initiated by the Bank user

The copy request fulfillment not getting completed a chargeback is raised

The chargeback is accepted by the acquiring Bank and the dispute is

closed in favour of the customer
Confidential to Intellect 90
 Customer Disputes
Chargeback Initiation

Confidential to Intellect 91
User Journey 17: Card Activation

Customer Ms. Diana calls the Customer Service for New Card
Activation

Post Customer Verification, the Customer Service executive places L0 Mapping:

Card activation request
- G3.6.11
- G3.4.5
The Card will be activated and the status of the card is changed in the
Customer Service screen

Customer is informed about the Card Activation Status

Confidential to Intellect 92
 Card Activation

Confidential to Intellect 93
User Journey 18: Loyalty Points Accumulation (Earn)

ABC bank defines the Loyalty scheme and the Loyalty points for
Visa Gold Shell product

The earn rate is defined as 3 points for every spend of INR 100 at
Shell outlets and 1 point for spends at other petrol pumps L0 Mapping:

- G3.9.1
Customer Mr. David holds a Visa Gold Shell Card and performs a - G3.9.3
transaction at Shell Outlet for INR 2000

The system identifies the transaction during the authorization and based
on the Points defined the Loyalty Points of 60 is accumulated to the card
account

Confidential to Intellect 94
User Journey 19: Loyalty Points Redemption (Burn)

ABC bank defines the Loyalty scheme and the Loyalty points for Visa
Gold Shell product

The bank also defines Products and its equivalent points for Points
redemption

Customer Mr. Ronaldo calls up the bank to enquire about the

outstanding loyalty points L0 Mapping:

- G3.9.1
Customer Service executive informs that the outstanding points for
- G3.9.3
redemption is 2000

The Customer orders for a Gift Voucher of value INR 500 which is equal to
1000 points

The Customer also places request to gift 1000 points to one of his friends
Mr. David who is also holding the same product
The Order is placed for the Gift voucher to be sent to the Mailing address
and the points is gifted his friend’s card account and Mr. Ronaldo’s
outstanding points goes to Zero
Confidential to Intellect 95
 Loyalty
Rewards Order Booking

Confidential to Intellect 96
 Loyalty
Points Gifting

Confidential to Intellect 97
 Ease of Configuration – Bank User Journeys

Confidential to Intellect 99
User Journey 1: Product Setup

XYZ bank wants to launch new VISA Credit Card Revolving Product. The bank
creates the Product through Module Maintenance  Product Setup screen

The product information section includes Product Category, Franchise, Sub Category,
Product Class, Product Code, Product Name, BIN and Sub BIN is captured

The billing information section comprises of Billing cycle (28 billing cycles), Product
Member type (Individual/Corporate), Addon count, Product type (Revolving) of the
product

The billing information section also includes Interest Method, Payment Allocation logic,
Product expiry, auto renewal option, Min and Max Credit Line for the product
The Card plastic section consists of card number length, pattern, plastic technology
(Mag stripe, Chip) and the currency section includes Base billing currency, dual
currency and the cash limit % details for the product
The Product is created and the system allows the bank to issue credit cards under this
product

Confidential to Intellect 100

1 Product Setup

Product
Information

Billing
Information

Plastic
Information

Currency
Information

Confidential to Intellect 101

User Journey 2: Account Setup

Mr. John is an existing customer of XYZ bank holding Visa Classic Account and
applies for a MasterCard Gold Product

The bank receives the request to create MasterCard Gold Product and checks if the
customer has an existing relationship

The system processes the request and the MasterCard Gold Account is created for the
customer with the same Customer ID

A separate credit line is created and a credit limit is assigned to the new MasterCard
Gold Account

All the accounts / Products is linked to the Customer and enables a single view of
accounts through Customer Service with the Card status

Confidential to Intellect 102

2 Card Hierarchy: Account Structure

Customer Layer Customer

Customer Unique Customer ID
Mr. John Smith

Account / Product Layer VISA Classic MasterCard Gold

Account 1 Account 2

Mr. John Mr. John

Smith Smith
Primary Card Primary Card

Card Layer Ms. Ana Ms. Ana

Smith Smith
Addon Card 1 Addon Card 1

Mr. Peter
Smith
Addon Card 2
Confidential to Intellect 103
User Journey 3: Corporate Setup

Ford India Ltd wants to issue corporate credit cards to its employees and ties up
with bank XYZ

The bank receives the information of the corporate and creates a corporate setup
through Card Booking  Corporate Master screen after all the checks

The system generates a Corporate number and bank chooses a Product Type
(Corporate Gold / Corporate Platinum) which is linked to the Corporate

The system captures the Financial Details of the Corporate, Demographic details and
the Fee details. An overall credit limit and the total no. of cards is setup at a corporate
level.
Cards are issued to the employees based on the approval of the designated officials of
the corporate

Confidential to Intellect 104

3 Corporate Setup

105
Confidential to Intellect 105
User Journey 4: Transaction Code and Transaction Sub Code

XYZ bank wants to launch a ‘Loan on Cards’ Program

This is a campaign offered to its existing customers wherein they can avail cash loans
over and above their credit limit with repayment options of 6 to 48 months EMI with
interest
The bank defines a new Transaction code through Module Maintenance  Billing
Maintenances  Transaction code Maintenance screen and creates a new transaction
code 038 with interest and the tenure options
The bank also defines a new Transaction sub codes through Module Maintenance 
Billing Maintenances  Transaction Sub code Master screen for Principal and interest
components separately
The bank chooses these transaction codes to be included as part of Minimum due
payment and created under a new credit segment say ‘L4’

Confidential to Intellect 106

4 Transaction Code and Transaction Sub Code

Confidential to Intellect 107

User Journey 11: Merchant Setup

XYZ bank wants to onboard a merchant multi brand chains across the city

The bank on boards the merchant Head quarter as the Parent merchant through
Merchant Operations  Intellect Application Entry  Merchant Details  Merchant
Setup screen

The merchant details are captured through the Merchant setup screen which includes
the demographic information, contact representative and merchant category details

The merchant setup also comprises of capturing the merchant settlement details
including the frequency, mode and the payment information including the bank account
details
The bank chooses the merchant code (or MID) and the system performs validations and
the merchant account is setup

Confidential to Intellect 108

User Journey 12: Child Merchant Setup and Terminal Setup

The Child Merchant is setup through Merchant Operations  Intellect Application

Entry  Merchant Details  Child Merchant Setup screen

The parent merchant code is selected and the child merchant (Store) details is captured
which also includes the demographic and settlement information for the merchant

One parent merchant can be linked to as many stores (child merchants) and definition
of payments, commissions and discounts is a configuration

The Terminal ID is setup through Merchant Operations  Intellect Application Entry 

Terminal Details screen

The Terminal ID can be setup either at Parent merchant or at child merchant. The
terminal can be linked to as many Parent or Child merc

Confidential to Intellect 109

 Merchant Management
Merchant Setup

Confidential to Intellect 110

 Merchant Management
Child Merchant Setup

Confidential to Intellect 111

User Journey 13: FEWS – Velocity Setup

The bank wants to setup velocity parameter on Jewellery purchases

The Product Grouping, Merchant Category Grouping and the country grouping is
defined through Module Maintenance  Cards FEWS Maintenance  Maintenance
Parameters

Separate Group for Jewellery MCC’s, Classic Card products are grouped and countries
in Asia Pacific region is grouped

The velocity parameter is defined for this group with High Value amount, Daily
Transaction count and Limit, X days and Y days count and limits

Risk ranking and risk grouping is defined to this maintenance and any transaction that
breaches this velocity parameter is shown as Fraud Alert for further decisioning

Confidential to Intellect 112

 Authorization / FEWS
Velocity Check

Confidential to Intellect 113

© 2015, Intellect Design Arena Limited.
All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information
storage or retrieval system nor should the materials be disclosed to third parties without the express written authorization of Intellect Design Arena Limited.
Confidential to Intellect 114