CAMS

CARDS & MERCHANT SYSTEMS(CAMS) for
Card Issuers
Card & Merchant System is a high-performance core processing engine for cards, electronic
payments and merchant accounts. Used by the world’s leading financial services companies, CAMS II
give issuers and acquirers the power to take control of their own destiny with in-house processing.
CAMS II also offers a full range of automated features to save time and computing resources,
including real-time processing of interchange transactions throughout the business day; auto-
scheduling of account activities for processing; and real-time financial calculations, which are
accessed only when needed to eliminate massive daily portfolio calculations and reduce overhead.
Automate and Streamline Card Processes:
CAMS II gives card issuers control over all card management activities — from account setup to
billing and customer service. It eliminates manual processes and provides real-time transaction
processing capabilities, enabling companies to deliver world-class product features and services.
Disputes, lost/stolen cards, fraudulent transactions, chargebacks and other customer service
functions are processed electronically. CAMS II manages charge-offs and writeoffs, and provides a
central facility for correspondence. It automates card activation and PIN management as well as a
full range of billing and payment processing activities. CAMS II supports flexible authorization criteria
and transaction decisioning based on previous events. Limits can be segregated by standard credit,
cash advance, installment credit and plastic spending. CAMS II also offers out-of-the-box integration
with leading authorization and settlement software including ACI BASE24-eps™ and ACI Payments™
Manager.
Manage Lost/Stolen Cards and Related Risk
User-defined business rules manage the processing of lost and stolen cards including automatic
issuance of replacement cards and reversals of fraudulent transactions, associated fees, finance
charges, and prior adjustments or offsets to original transactions. CAMS II continually flags and
monitors suspicious activity and issues daily activity reports for fraud investigation. Authorization
requests are automatically referred to the appropriate resource for further action. The system
generates investigative and fraud management reports, including pending charge-off statistics and
fraud case aging details.
Product Features
Flexible Pricing
• Defi nes pricing terms for multiple card market segments with extensive pricing features
• Prices accounts to a “segment of one” to match value expectations of each customer with virtually
unlimited promotional balances for each account
• Supports pricing by group, product, account, transaction and event
• Enhances pricing capabilities with a sophisticated rules engine designed to create and modify
business rules
• Offers introductory and customer accommodation rates

Billing :
• Details financial activities during the current cycle and triggers functions such as late payments,
overlimit fees, skip payments, auto payments, prepayments, write-offs and refunds
• Renders the monthly installments due on extended credit purchases for major items like furniture
or appliances
• Performs fi nance charge assessment, calculation and posting based on the effective pricing
program
Plastic Management :
• Supports the automatic issuance of a variety of card products to a single customer, determined by
portfolio segment
• Streamlines the plastic reissue and replacement process with automated controls Authorizations
• Receives, initiates and responds to authorization inquiries for outgoing (foreign) and on-us
accounts
• Provides flexible criteria and transaction decisioning based on previous events, in addition to
parameter-defi ned velocity limits Credit Line Management
• Supports automated credit line changes based on client-defi ned parameters and performance-
related criteria
• Offers systematic credit line increase analysis with optional automatic increase
Authorization Extension :
• Systematically determines eligibility for a pre-approved extension of credit line Settlement
• Provides multi-currency incoming and outgoing interchange fi les for the major associations,
merchant settlement and a flexible client-defi ned general ledger interface
Regulatory Compliance:
• Includes regular updates of Visa, MasterCard and American Express regulatory changes with
minimal system impact using CAMS II compliance isolation
• Isolates compliance updates to facilitate changes required at multiple times during the year

CAMS

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CARDS & MERCHANT SYSTEMS(CAMS) for

Automate and Streamline Card Processes:

Manage Lost/Stolen Cards and Related Risk

• Supports pricing by group, product, account, transaction and event

• Offers introductory and customer accommodation rates

• Systematically determines eligibility for a pre-approved extension of credit line Settlement

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