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Card Management System

GEMCARDS is a comprehensive card management system which manages and supports end-to-end card specific requirements of your organization. Built using high end technologies GEMCARDS offers flexibility, scalability and ease of use. It is designed to cater multi-institution, multi-country, multi-lingual and multi-currency platforms. GEMCARDS offer 3600 view of customers’ portfolio, enabling card issuer to take complete ownership of end to end card management process.

Key Features

GEMCARDS key features includes product management, card application processing, authorization, card issuing, transaction processing and posting, merchant management, billing, payment processing, clearing & settlement, collection follow-up, dispute handling, customer services, financial posting, loyalty and risk management.

Issuing: Highlights

  • Capable to issue Prepaid, private label and bank cards
  • Multi-lingual
  • Multi-organization
  • Multi-product
  • Multi-currency
  • Flexible origination module for cross selling
  • Up-sell & down- sell
  • Bulk Card Production
  • Printer/Embosser Support
  • PIN Mail Distribution Support
  • Ability to issue Chip cards
  • Ability to issue Co-branded /Affinity cards
  • Quick routing and settlement
  • Customised Customer billing - weekly, biweekly and monthly
  • Re-financing
  • Re-negotiation
  • Securitization of portfolios
  • Online Credit Bureau Interface
  • Parameterized Instalment module
  • Alert registration and real time alerts
  • Support On-time Real-time Promotion

Acquiring : Highlights

  • Capable to settle multi-currency transactions
  • End-to-end merchant/Franchise management
  • Interface to Visa/Master for settlement
  • Flexible dispute management & chargeback process

Other : Highlights

  • Ability to issue multi-currency Prepaid cards
  • Ability to issue Debit cards
  • User Security Administration
  • Scalable Architecture
  • Zero dependency on end-of-day processes
  • Flexible authorization module
  • Association regulatory compliance
  • EMV compliant
  • PA DSS compliant
  • Parameterized promotional lines
  • Co-branded partner management
  • Loyalty Management module (Customer & Merchant)
  • Fraud & Risk management
  • Utility Payments

Case Study

  • CLIENT OVERVIEW
  • BUSINESS NEED
  • SOLUTION PROVIDED
  • BUSINESS BENEFITS
A leading global Sales Finance & Credit Card issuer with large retail chains as their customers.
  • To migrate the existing retail cards business from a 3rd party hosted model to an in-house model.
  • A smart-build approach to enhance the base credit card platform to support retail specific functionalities
  • A highly flexible and a parameterized system which can support multiple flavors of cards and its payment such as Prepaid and Private Label Cards
  • Implemented GEMCARDS, a comprehensive and flexible solution customized to support launching of Retail cards – a testimony to the flexibility of the product
  • Handled end to end of the project life-cycle including requirement gathering, customizations and deployment
  • Application is used by the Retailers back-end users and the system enables the end card customers to perform transactions on the Cards
  • System was updated for the migration from existing domestic scheme to the new dual pan products.
  • Rich Retail Product Feature clubbed with Bank Card functionality
  • Multi-Country, Multi-Currency, Multi-Lingual & Multi-timezone
  • Highly versatile & Flexible
  • Simplified Operations & User-friendly system
  • Safe and Secure
  • Simplified Operations
  • Enhanced Customer Service
  • Scalable to handle high volumes.
    Several unique functionality were provided such as
  • Instant Card Issuance
  • 13 additional lines of credit
  • Differential fees/charges
  • Revolving and close-end Installments
  • Transaction Level Pricing
  • Min. due refinance / renegotiation
  • Local Regulatory requirements