In an increasingly complex world, customers expect convenience. Issuing a card locks an individual customer in to a brand, and provides them with a simple, convenient payment method.
 Customers will have an incentive to return to the provider, albeit a service station or a Taxi company, where they can receive a special level of service and use their branded card for payment.
Likewise, corporate and Government customers who operate with a large number of resources are looking for the best service available and a chance to track all costs associated with running an asset. A well designed card management programme is a critical component in achieving control over these assets with the added benefit of being able to include product restrictions and varied credit conditions
A card system allows central billing of all costs associated with assets. This is particularly important for institutions with a complex structure and cost control mechanisms, such as Government departments or multinational companies.
Card Manager is the software application designed by Cardlink to manage cards and their associated transactions. The system addresses all back office, credit card and merchant processing requirements. A database of accounts, cardholders and merchants is maintained, with the ability to create new records, issue new cards, process debit and credit operations and undertake manual entries. The customer service module allows maintenance of accounts and cards, and query resolution.
Key features
- Full hierarchical account structure for corporate accounts
- Account Application and Credit Management
- Incident tracking and management
- Transaction validation and fraud protection
- Fee, Discount and MSF management
- Real Time Processing (Requires OLTP Module)
- Pre and Post Paid accounts
Account and Card Management
Card Manager maintains cards throughout their life, from account application and credit management, card issue, reissue and replacement in case of loss. A full compliment of account options including pre-paid or post-paid, consumer and corporate and various other combinations.
Transaction Management
Card Manager includes comprehensive transaction management, in both real time mode and offline batch mode. All transactions must pass through a thorough set of authorisation routines before they are considered valid.
Discounts
The system is designed to allow targeted discounting for specific customer needs or market segments. These include volume based discounts, fixed price, or rated discount. Card Manager also includes the ability to share the expense between various providers.
Fees
Card Manager can calculate and charge fees using traditional methods such as monthly account or card fees, transaction fees in addition to specific service or product fees.
Analysis and Reporting
The advanced analysis and reporting of Card Manager is one of its key features. Customers and Merchants are able to view information about their accounts via a selection of traditional paper based statements, or in real time via a web site. Customer reports such as the Management Reports detail spending patterns and allow management to identify exceptions or card misuse.
Add On Modules
To gain access to the full range of functionality that Card Manager has to offer, Cardlink recommend using the Application Engine and OLTP.
Card Manager also integrates with Cardlink's Fleet Manager to provide total fleet management.
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