Introduction to VisionPlus

Vision plus is the software based on mainframe technology which provides the financial solution mainly to the Credit Card
System, this system Originally developed by the Paysys Research and Development Group, and currently it is driven
by First Data Corporation.
There are many banks who use Vision Plus Technology for processing there credit
card, debit card, prepaid, closed end loan accounts and process financial
transactions.

VisionPlus as !ollowing processing "odules#
C"S $Credit "anagement Syste%
CTA (Collections Tracking Analysis)
!&S $!inancial &uthorisation System%
'TS $'etters tracking System%
SSC $Security Sub System%
(TS $(nterchange Tracking System%
T)&"S $Transaction "anagement System%
"*S $"erchant *ankCard System%
V"+ $VisionP',S "essaging e-change%
CS $ierarchy company system%
'"S $'oyalty "anagement System%
Intro
VisionPLUS is a transaction processing software application from First Data Corporation. This application is mainly used for credit card transaction processing
y multinational an!s and transaction processing companies. "an!s traditionally use this application to store and process credit card accounts and process
transactions#Visa$ %astercard$ &uropay$ pri'ate lael transactions(. The rough estimate of numer of cards processed on different 'ersions of this application
software around the world is appro)imately *+, million.
VisionPLUS is designed as a fle)ile$ full-feature account processing system. The main modules of Visionplus include.
/ Credit Decision %anagement #CD%( - new accounts processing module
/ Credit %anagement System #C%S( - account processing module
/ Collections Trac!ing 0nalysis #CT0( - delin1uent collections module
/ 0ccount Ser'ices %anagement #0S%( - customer ser'ices module
/ Financial 0uthorisation System #F0S( - financial authorisations module
/ Letters System #LTS( - letter generation module
/ Security Su System #SSC( - user access control module
/ Interchange Trac!ing System #ITS( - dispute trac!ing module
/ Transaction %anagement System #T20%S( - front-end processor
/ %erchant "an!Card System #%"S( - merchant ac1uiring system
/ VisionPLUS %essaging System #V%)( - 3%L messaging gateway to VisionPLUS
4istory
Until 5,,6$ VisionPLUS was owned y Paysys International Inc. First Data corp ac1uired Paysys in 5,,6.
Versions
678* CardPac was released y CCS. Its main mar!et was the an!card industry #Visa 9 %asterCard transaction processing only(6788 Vision56 was released
for the pri'ate lael card mar!et y CCSI6776 VisionPLUS for oth pri'ate lael and an!card mar!et y CCSI6778 VisionPLUS 5.+ was released y
Paysys5,,, VisionPLUS 8., was released y Paysys5,,: VisionPLUS 8.56 was released y Paysys
The software mainly runs on I"% ;Series primarily using C<"<L$CICS and VS0%. Pre'ious 'ersions of VisionPLUS were a'ailale on Uni) and 0S=>,,.
%odules
VisionPLUS application is modulari;ed and some of these modules can e used stand alone or as different cominations of these modules. The core of the
application is Credit %anagement System which is the accounts recei'ales application. <ther applcations in the software suite are collections management$
real time authori;ations$ atch settlement$ credit decisioning$ merchant management$ usiness messaging$ customer support.
VisionPLUS is designed as a fle)ile$ full-feature account processing system. The main modules of Visionplus include.
Credit Decision %anagement #CD%( - new accounts processing module
The Credit Decision %anagement system #CD%( is the new accounts module. This online system is designed to handle the credit appro'al process from the
point of application to the point of appro'al or decline. 0pplications are ta!en through processing steps that mirror the underwriting process and can e
categori;ed and treated according to the parameters set y your company. ?hile the entire process can e automated$ human inter'ention can occur at any
point within the process$ the choice is yours.
Credit %anagement System #C%S( - account processing module
The Credit %anagement System #C%S( is the accounts recei'ale system that functions as the heart of VisionPLUS. C%S holds the demographic$ financial$
and historical information for each account. <ther VisionPLUS modules needing that information otain it from C%S$ eliminating record duplication. C%S also
contains user-defined parameters for interest$ illing$ insurance$ payment$ and account processing.
Collections Trac!ing 0nalysis #CT0( - delin1uent collections module
The Collections$ Trac!ing$ and 0nalysis module #CT0( is designed to categori;e and treat accounts that need special handling. ?hile the system was
designed primarily to handle past-due accounts$ it can e used to trac! and analy;e other groups of accounts that may or may not need actual treatment.
These groups may include VIPs$ lost or stolen cards$ o'erlimit accounts$ and an!ruptcy cases. CT0 offers fle)ile collection strategies ased on how your
company sets the control record parameters.
0ccount Ser'ices %anagement #0S%( - customer ser'ices module
The 0ccount Ser'ices %anagement system #0S%( is the online$ real-time customer ser'ice module. 0S% enhances your aility to pro'ide superior customer
ser'ice y utili;ing user-defined action codes to perform customer-generated re1uests such as interest ad@ustments$ address changes$ and disputes.
Financial 0uthorisation System #F0S( - financial authorisations module
The Financial 0uthori;ation System #F0S( is the 5>-hour-a-day$ A-day-a-wee! authori;ation module. F0S processes retail$ Visa$ %asterCard$ and &uropay
authori;ations ased upon user defined processing parameters. 0uthori;ations can e appro'ed$ declined$ or referred. F0S also pro'ides authori;ation
re'ersals$ card reco'ery listing and updates$ and e'ent=delayed ad'ice retrie'als.
Letters System #LTS( - letter generation module
The Letter System #LTS( is the module that can e used to create and issue letters for up to fi'e different P0BSBS products. Letter 'ariales from these
different modules can e emedded within generic letters to produce letters tailored to indi'idual customers. Letters can e printed real-time or in atch
processing.
Security Su System #SSC( - user access control module
The Security Susystem and Common 2outines #SSC( system is a comprehensi'e online security system that interfaces etween all P0BSBS International
products. SSC houses the Security record for each operator$ common routines used y all systems$ and currency con'ersion details.0ll P0BSBS applications$
e)cept T20%S$ use SSC as an optional user sign-on and sign-off procedure. &ach person that uses a P0BSBS application will need a Security record that
controls the access that you ha'e to C%S and other VisionPLUS modules.
Interchange Trac!ing System #ITS( - dispute trac!ing module
The Interchange Trac!ing System #ITS( is the dispute trac!ing and processing module. ITS is designed to process incoming and outgoing chargeac!
transactions for oth Visa$ %asterCard$ as well as some regional associations such as &uropay #for &urocard- %asterCard only( and 0ustralian "an!card. ITS
!eeps trac! of many user-defined parameters$ such as time limits to !eep your usiness compliant with the different associations. Chargeac!s are Cwor!edD
through 1ueues ased on criteria that you define creating a customi;ed$ organi;ed wor!flow.
Transaction %anagement System #T20%S( - front-end processor
The Transaction %anagement System #T20%S( is the VisionPLUS front-end processor. T20%S accepts multiple transaction types and prepares them for any
destination$ consolidating numerous application front-ends into a single input system. T20%S also pro'ides e)tensi'e @o trac!ing$ settlement$ warehousing$
reporting$ re@ect$ and online re@ect and suspense handling capailities.
%erchant "an!Card System #%"S( - merchant ac1uiring system
The %erchant "an!card System #%"S( is the merchant ac1uiring system. %"S supports oth an!card and retail merchant processing pro'iding an efficient
way to settle funds and charge the merchant fees for ser'ices rendered. %"S offers discount$ participation$ reser'e funding$ and 'olume onus processing
along with comprehensi'e acti'ity
VISIONPLUS SYSTE O!ULES
T"e VisionPLUS syste# is a $a#ily o$ totally integrated so$t%are &roducts' VisionPLUS consists o$ #odules t"at %ork toget"er to $ully
#anage your co#&any(s credit en)iron#ent' As stand*alone a&&lications+ t"ey are )ery i#&ressi)e+ as a totally integrated and
interacti)e unit+ VisionPLUS is e,tre#ely &o%er$ul'
Features and Benefits of the VisionPLUS System
VisionPLUS "as outstanding -atc" &rocessing ca&a-ility t"at increases s&eed and e$$iciency' Its single*&ass #aster $ile syste# assures
ti#ely &rocessing %indo%s %"ile u&dating e)ery account eac" nig"t' T"is #eans dra#atically increased &roducti)ity $or &ersonnel in
credit o&erations and data &rocessing' .it" VisionPLUS+ e)eryone in t"e in$or#ation /loo&/ "as access to data on a real*ti#e -asis'
Credit o&erations &ersonnel %ill -e a%are o$ any c"ange in account status as soon as it "a&&ens regardless o$ %"et"er t"e c"ange is
#ade t"roug" custo#er ser)ice+ collections+ or aut"ori0ations' Online+ real*ti#e in$or#ation suc" as custo#er "istory+ &urc"ase
&atterns+ and a %ide range o$ de#ogra&"ic and -e"a)ioral data #eans you can res&ond &roacti)ely to your #arket&lace and gain t"e
critical edge on your co#&etition'
1ecause VisionPLUS s"ares in$or#ation a#ong all a&&lications+ credit #anage#ent &ersonnel get t"e /-ig &icture/ rat"er t"an isolated
-its and &ieces o$ data' You can analy0e custo#er -uying trends+ res&ond 2uickly to t"e #erc"andising grou&(s e$$orts to dri)e u&
sales+ and turn your credit #anage#ent o&eration into a "ig"ly &ro$ita-le #erc"andising tool' VisionPLUS &ro)ides t"e necessary
in$or#ation tools to increase custo#er satis$action and $acilitate re&eat sales' Custo#er ser)ice is &ara#ount in creating custo#er
loyalty and en"ancing your co#&any(s i#age a$ter t"e sale' .it" access to real*ti#e card"older in$or#ation in a &a&erless en)iron#ent+
re&resentati)es can deli)er t"e 2uality ser)ice your custo#ers e,&ect and deser)e'
All $acets o$ your credit organi0ation+ $ro# ne% accounts to custo#er -illing+ $ro# aut"ori0ations to collections+ $ro# #anage#ent to
custo#er ser)ice+ need in$or#ation t"at is relia-le+ accessi-le+ u&*to*date+ and centrali0ed * in$or#ation a)aila-le t"roug"
VisionPLUS a&&lications'
Taking a Closer Look at the VisionPLUS Modules
T"e &ur&ose o$ eac" o$ t"e VisionPLUS #odules is descri-ed in t"e $ollo%ing su-sections'
CDM
T"e Credit !ecision anage#ent syste# (CDM) is t"e ne% accounts #odule' T"is online syste# is designed to "andle t"e credit
a&&ro)al &rocess $ro# t"e &oint o$ a&&lication to t"e &oint o$ a&&ro)al or decline' A&&lications are taken t"roug" &rocessing ste&s t"at
#irror t"e under%riting &rocess and can -e categori0ed and treated according to t"e &ara#eters set -y your co#&any' ."ile t"e entire
&rocess can -e auto#ated+ "u#an inter)ention can occur at any &oint %it"in t"e &rocess+ t"e c"oice is yours'
CMS
T"e Credit anage#ent Syste# (CMS) is t"e accounts recei)a-le syste# t"at $unctions as t"e "eart o$ VisionPLUS' CMS "olds t"e
de#ogra&"ic+ $inancial+ and "istorical in$or#ation $or eac" account' Ot"er VisionPLUS #odules needing t"at in$or#ation o-tain it
$ro# CMS+ eli#inating record du&lication' CMS also contains user*de$ined &ara#eters $or interest+ -illing+ insurance+ &ay#ent+ and
account &rocessing'
ASM
T"e Account Ser)ices anage#ent syste# (ASM) is t"e online+ real*ti#e custo#er ser)ice #odule' ASM en"ances your a-ility to
&ro)ide su&erior custo#er ser)ice -y utili0ing user*de$ined action codes to &er$or# custo#er*generated re2uests suc" as interest
ad3ust#ents+ address c"anges+ and dis&utes'
FAS
T"e 4inancial Aut"ori0ation Syste# (FAS) is t"e 56*"our*a*day+ 7*day*a*%eek aut"ori0ation #odule' FAS &rocesses retail+ Visa+
asterCard+ and Euro&ay aut"ori0ations -ased u&on user de$ined &rocessing &ara#eters' Aut"ori0ations can -e a&&ro)ed+ declined+
or re$erred' FAS also &ro)ides aut"ori0ation re)ersals+ card reco)ery listing and u&dates+ and e)ent8delayed ad)ice retrie)als'
TRAMS
T"e Transaction anage#ent Syste# (TRAMS) is t"e VisionPLUS $ront*end &rocessor' TRAMS acce&ts #ulti&le transaction ty&es
and &re&ares t"e# $or any destination+ consolidating nu#erous a&&lication $ront*ends into a single in&ut syste#' TRAMS also &ro)ides
e,tensi)e 3o- tracking+ settle#ent+ %are"ousing+ re&orting+ re3ect+ and online re3ect and sus&ense "andling ca&a-ilities'
MBS
T"e erc"ant 1ankcard Syste# (MBS) is t"e #erc"ant ac2uiring syste#' MBSsu&&orts -ot" -ankcard and retail #erc"ant &rocessing
&ro)iding an e$$icient %ay to settle $unds and c"arge t"e #erc"ant $ees $or ser)ices rendered' MBS o$$ers discount+ &artici&ation+
reser)e $unding+ and )olu#e -onus &rocessing along %it" co#&re"ensi)e acti)ity re&orting'
LTS
T"e Letter Syste# (LTS) is t"e #odule t"at can -e used to create and issue letters $or u& to $i)e di$$erent PAYSYS &roducts' Letter
)aria-les $ro# t"ese di$$erent #odules can -e e#-edded %it"in generic letters to &roduce letters tailored to indi)idual custo#ers'
Letters can -e &rinted real*ti#e or in -atc" &rocessing'
ITS
T"e Interc"ange Tracking Syste# (ITS) is t"e dis&ute tracking and &rocessing #odule' ITS is designed to &rocess inco#ing and
outgoing c"arge-ack transactions $or -ot" Visa+ asterCard+ as %ell as so#e regional associations suc" as Euro&ay ($or Eurocard*
asterCard only) and Australian 1ankcard' ITSkee&s track o$ #any user*de$ined &ara#eters+ suc" as ti#e li#its to kee& your -usiness
co#&liant %it" t"e di$$erent associations' C"arge-acks are 9%orked: t"roug" 2ueues -ased on criteria t"at you de$ine creating a
custo#i0ed+ organi0ed %ork$lo%'
CTA
T"e Collections+ Tracking+ and Analysis #odule (CTA) is designed to categori0e and treat accounts t"at need s&ecial "andling' ."ile
t"e syste# %as designed &ri#arily to "andle &ast*due accounts+ it can -e used to track and analy0e ot"er grou&s o$ accounts t"at #ay
or #ay not need actual treat#ent' T"ese grou&s #ay include VIPs+ lost or stolen cards+ o)erli#it accounts+ and -ankru&tcy
cases' CTA o$$ers $le,i-le collection strategies -ased on "o% your co#&any sets t"e control record &ara#eters'
Eac" o$ t"e VisionPLUS #odules is a &o%er$ul+ )alua-le credit*&rocessing tool' As an integrated syste#+ VisionPLUS creates a
co#&re"ensi)e credit &rocessing en)iron#ent+ &ro)iding your -usiness %it" t"e $le,i-ility+ and relia-ility needed to succeed'
Features and Benefits of the VisionPLUS System
VisionPLUS "as outstanding -atc" &rocessing ca&a-ility t"at increases s&eed and e$$iciency' Its single*&ass #aster $ile syste# assures
ti#ely &rocessing %indo%s %"ile u&dating e)ery account eac" nig"t' T"is #eans dra#atically increased &roducti)ity $or &ersonnel in
credit o&erations and data &rocessing' .it" VisionPLUS+ e)eryone in t"e in$or#ation /loo&/ "as access to data on a real*ti#e -asis'
Credit o&erations &ersonnel %ill -e a%are o$ any c"ange in account status as soon as it "a&&ens regardless o$ %"et"er t"e c"ange is
#ade t"roug" custo#er ser)ice+ collections+ or aut"ori0ations' Online+ real*ti#e in$or#ation suc" as custo#er "istory+ &urc"ase
&atterns+ and a %ide range o$ de#ogra&"ic and -e"a)ioral data #eans you can res&ond &roacti)ely to your #arket&lace and gain t"e
critical edge on your co#&etition'
1ecause VisionPLUS s"ares in$or#ation a#ong all a&&lications+ credit #anage#ent &ersonnel get t"e /-ig &icture/ rat"er t"an isolated
-its and &ieces o$ data' You can analy0e custo#er -uying trends+ res&ond 2uickly to t"e #erc"andising grou&(s e$$orts to dri)e u&
sales+ and turn your credit #anage#ent o&eration into a "ig"ly &ro$ita-le #erc"andising tool' VisionPLUS &ro)ides t"e necessary
in$or#ation tools to increase custo#er satis$action and $acilitate re&eat sales' Custo#er ser)ice is &ara#ount in creating custo#er
loyalty and en"ancing your co#&any(s i#age a$ter t"e sale' .it" access to real*ti#e card"older in$or#ation in a &a&erless en)iron#ent+
re&resentati)es can deli)er t"e 2uality ser)ice your custo#ers e,&ect and deser)e'
All $acets o$ your credit organi0ation+ $ro# ne% accounts to custo#er -illing+ $ro# aut"ori0ations to collections+ $ro# #anage#ent to
custo#er ser)ice+ need in$or#ation t"at is relia-le+ accessi-le+ u&*to*date+ and centrali0ed * in$or#ation a)aila-le t"roug"
VisionPLUS a&&lications'
Taking a Closer Look at the VisionPLUS Modules
T"e &ur&ose o$ eac" o$ t"e VisionPLUS #odules is descri-ed in t"e $ollo%ing su-sections'
CDM
T"e Credit !ecision anage#ent syste# (CDM) is t"e ne% accounts #odule' T"is online syste# is designed to "andle t"e credit
a&&ro)al &rocess $ro# t"e &oint o$ a&&lication to t"e &oint o$ a&&ro)al or decline' A&&lications are taken t"roug" &rocessing ste&s t"at
#irror t"e under%riting &rocess and can -e categori0ed and treated according to t"e &ara#eters set -y your co#&any' ."ile t"e entire
&rocess can -e auto#ated+ "u#an inter)ention can occur at any &oint %it"in t"e &rocess+ t"e c"oice is yours'
CMS
T"e Credit anage#ent Syste# (CMS) is t"e accounts recei)a-le syste# t"at $unctions as t"e "eart o$ VisionPLUS' CMS "olds t"e
de#ogra&"ic+ $inancial+ and "istorical in$or#ation $or eac" account' Ot"er VisionPLUS #odules needing t"at in$or#ation o-tain it
$ro# CMS+ eli#inating record du&lication' CMS also contains user*de$ined &ara#eters $or interest+ -illing+ insurance+ &ay#ent+ and
account &rocessing'
ASM
T"e Account Ser)ices anage#ent syste# (ASM) is t"e online+ real*ti#e custo#er ser)ice #odule' ASM en"ances your a-ility to
&ro)ide su&erior custo#er ser)ice -y utili0ing user*de$ined action codes to &er$or# custo#er*generated re2uests suc" as interest
ad3ust#ents+ address c"anges+ and dis&utes'
FAS
T"e 4inancial Aut"ori0ation Syste# (FAS) is t"e 56*"our*a*day+ 7*day*a*%eek aut"ori0ation #odule' FAS &rocesses retail+ Visa+
asterCard+ and Euro&ay aut"ori0ations -ased u&on user de$ined &rocessing &ara#eters' Aut"ori0ations can -e a&&ro)ed+ declined+
or re$erred' FAS also &ro)ides aut"ori0ation re)ersals+ card reco)ery listing and u&dates+ and e)ent8delayed ad)ice retrie)als'
TRAMS
T"e Transaction anage#ent Syste# (TRAMS) is t"e VisionPLUS $ront*end &rocessor' TRAMS acce&ts #ulti&le transaction ty&es
and &re&ares t"e# $or any destination+ consolidating nu#erous a&&lication $ront*ends into a single in&ut syste#' TRAMS also &ro)ides
e,tensi)e 3o- tracking+ settle#ent+ %are"ousing+ re&orting+ re3ect+ and online re3ect and sus&ense "andling ca&a-ilities'
MBS
T"e erc"ant 1ankcard Syste# (MBS) is t"e #erc"ant ac2uiring syste#' MBSsu&&orts -ot" -ankcard and retail #erc"ant &rocessing
&ro)iding an e$$icient %ay to settle $unds and c"arge t"e #erc"ant $ees $or ser)ices rendered' MBS o$$ers discount+ &artici&ation+
reser)e $unding+ and )olu#e -onus &rocessing along %it" co#&re"ensi)e acti)ity re&orting'
LTS
T"e Letter Syste# (LTS) is t"e #odule t"at can -e used to create and issue letters $or u& to $i)e di$$erent PAYSYS &roducts' Letter
)aria-les $ro# t"ese di$$erent #odules can -e e#-edded %it"in generic letters to &roduce letters tailored to indi)idual custo#ers'
Letters can -e &rinted real*ti#e or in -atc" &rocessing'
ITS
T"e Interc"ange Tracking Syste# (ITS) is t"e dis&ute tracking and &rocessing #odule' ITS is designed to &rocess inco#ing and
outgoing c"arge-ack transactions $or -ot" Visa+ asterCard+ as %ell as so#e regional associations suc" as Euro&ay ($or Eurocard*
asterCard only) and Australian 1ankcard' ITSkee&s track o$ #any user*de$ined &ara#eters+ suc" as ti#e li#its to kee& your -usiness
co#&liant %it" t"e di$$erent associations' C"arge-acks are 9%orked: t"roug" 2ueues -ased on criteria t"at you de$ine creating a
custo#i0ed+ organi0ed %ork$lo%'
CTA
T"e Collections+ Tracking+ and Analysis #odule (CTA) is designed to categori0e and treat accounts t"at need s&ecial "andling' ."ile
t"e syste# %as designed &ri#arily to "andle &ast*due accounts+ it can -e used to track and analy0e ot"er grou&s o$ accounts t"at #ay
or #ay not need actual treat#ent' T"ese grou&s #ay include VIPs+ lost or stolen cards+ o)erli#it accounts+ and -ankru&tcy
cases' CTA o$$ers $le,i-le collection strategies -ased on "o% your co#&any sets t"e control record &ara#eters'
Eac" o$ t"e VisionPLUS #odules is a &o%er$ul+ )alua-le credit*&rocessing tool' As an integrated syste#+ VisionPLUS creates a
co#&re"ensi)e credit &rocessing en)iron#ent+ &ro)iding your -usiness %it" t"e $le,i-ility+ and relia-ility needed to succeed'
VISIONPLUS SS!"# #ODUL"S
The VisionPLUS system is a family of totally integrated software products. VisionPLUS
consists of modules that work together to fully manage your company.s credit environment.
&s stand/alone applications, they are very impressive, as a totally integrated and interactive
unit, VisionPLUS is e+tremely powerful.
Features and $ene%its o% the VisionPLUS System
VisionPLUS has outstanding batch processing capability that increases speed and efficiency.
(ts single/pass master file system assures timely processing windows while updating every
account each night. This means dramatically increased productivity for personnel in credit
operations and data processing. 0ith VisionPLUS, everyone in the information 1loop1 has
access to data on a real/time basis. Credit operations personnel will be aware of any change
in account status as soon as it happens regardless of whether the change is made through
customer service, collections, or authori2ations. Online, real/time information such as
customer history, purchase patterns, and a wide range of demographic and behavioral data
means you can respond proactively to your marketplace and gain the critical edge on your
competition.
*ecause VisionPLUS shares information among all applications, credit management
personnel get the 1big picture1 rather than isolated bits and pieces of data. 3ou can analy2e
customer buying trends, respond 4uickly to the merchandising group.s efforts to drive up
sales, and turn your credit management operation into a highly profitable merchandising tool.
VisionPLUS provides the necessary information tools to increase customer satisfaction and
facilitate repeat sales. Customer service is paramount in creating customer loyalty and
enhancing your company.s image after the sale. 0ith access to real/time cardholder
information in a paperless environment, representatives can deliver the 4uality service your
customers e+pect and deserve.
&ll facets of your credit organi2ation, from new accounts to customer billing, from
authori2ations to collections, from management to customer service, need information that is
reliable, accessible, up/to/date, and centrali2ed / information available through VisionPLUS
applications.
!a&in' a Closer Loo& at the VisionPLUS Modules
The purpose of each of the VisionPLUS modules is described in the following subsections.
CD#
The Credit 5ecision "anagement system $CD#% is the new accounts module. This online
system is designed to handle the credit approval process from the point of application to the
point of approval or decline. &pplications are taken through processing steps that mirror the
underwriting process and can be categori2ed and treated according to the parameters set by
your company. 0hile the entire process can be automated, human intervention can occur at
any point within the process, the choice is yours.
C#S
The Credit "anagement System $C#S% is the accounts receivable system that functions as
the heart of VisionPLUS. C#S holds the demographic, financial, and historical information
for each account. Other VisionPLUS modules needing that information obtain it from C#S,
eliminating record duplication. C#S also contains user/defined parameters for interest,
billing, insurance, payment, and account processing.
(S#
The &ccount Services "anagement system $(S#% is the online, real/time customer service
module. (S# enhances your ability to provide superior customer service by utili2ing user/
defined action codes to perform customer/generated re4uests such as interest ad6ustments,
address changes, and disputes.
F(S
The !inancial &uthori2ation System $F(S% is the 78/hour/a/day, 9/day/a/week authori2ation
module. F(S processes retail, Visa, "asterCard, and :uropay authori2ations based upon
user defined processing parameters. &uthori2ations can be approved, declined, or referred.
F(S also provides authori2ation reversals, card recovery listing and updates, and
event;delayed advice retrievals.
!R(#S
The Transaction "anagement System $!R(#S% is the VisionPLUS front/end processor.
!R(#S accepts multiple transaction types and prepares them for any destination,
consolidating numerous application front/ends into a single input system. !R(#S also
provides e+tensive 6ob tracking, settlement, warehousing, reporting, re6ect, and online re6ect
and suspense handling capabilities.
#$S
The "erchant *ankcard System $#$S% is the merchant ac4uiring system. #$S supports
both bankcard and retail merchant processing providing an efficient way to settle funds and
charge the merchant fees for services rendered. #$S offers discount, participation, reserve
funding, and volume bonus processing along with comprehensive activity reporting.
L!S
The 'etter System $L!S% is the module that can be used to create and issue letters for up to
five different P&3S3S products. 'etter variables from these different modules can be
embedded within generic letters to produce letters tailored to individual customers. 'etters
can be printed real/time or in batch processing.
I!S
The (nterchange Tracking System $I!S% is the dispute tracking and processing module. (TS
is designed to process incoming and outgoing chargeback transactions for both Visa,
"asterCard, as well as some regional associations such as :uropay $for :urocard/"asterCard
only% and &ustralian *ankcard. I!S keeps track of many user/defined parameters, such as
time limits to keep your business compliant with the different associations. Chargebacks are
<worked= through 4ueues based on criteria that you define creating a customi2ed, organi2ed
workflow.
C!(
The Collections, Tracking, and &nalysis module $C!(% is designed to categori2e and treat
accounts that need special handling. 0hile the system was designed primarily to handle past/
due accounts, it can be used to track and analy2e other groups of accounts that may or may
not need actual treatment. These groups may include V(Ps, lost or stolen cards, overlimit
accounts, and bankruptcy cases. C!( offers fle+ible collection strategies based on how your
company sets the control record parameters.
:ach of the VisionPLUS modules is a powerful, valuable credit/processing tool. &s an
integrated system, VisionPLUS creates a comprehensive credit processing environment,
providing your business with the fle+ibility, and reliability needed to succeed.
Features and $ene%its o% the VisionPLUS System
VisionPLUS has outstanding batch processing capability that increases speed and efficiency.
(ts single/pass master file system assures timely processing windows while updating every
account each night. This means dramatically increased productivity for personnel in credit
operations and data processing. 0ith VisionPLUS, everyone in the information 1loop1 has
access to data on a real/time basis. Credit operations personnel will be aware of any change
in account status as soon as it happens regardless of whether the change is made through
customer service, collections, or authori2ations. Online, real/time information such as
customer history, purchase patterns, and a wide range of demographic and behavioral data
means you can respond proactively to your marketplace and gain the critical edge on your
competition.
*ecause VisionPLUS shares information among all applications, credit management
personnel get the 1big picture1 rather than isolated bits and pieces of data. 3ou can analy2e
customer buying trends, respond 4uickly to the merchandising group.s efforts to drive up
sales, and turn your credit management operation into a highly profitable merchandising tool.
VisionPLUS provides the necessary information tools to increase customer satisfaction and
facilitate repeat sales. Customer service is paramount in creating customer loyalty and
enhancing your company.s image after the sale. 0ith access to real/time cardholder
information in a paperless environment, representatives can deliver the 4uality service your
customers e+pect and deserve.
&ll facets of your credit organi2ation, from new accounts to customer billing, from
authori2ations to collections, from management to customer service, need information that is
reliable, accessible, up/to/date, and centrali2ed / information available through VisionPLUS
applications.
!a&in' a Closer Loo& at the VisionPLUS Modules
The purpose of each of the VisionPLUS modules is described in the following subsections.
CD#
The Credit 5ecision "anagement system $CD#% is the new accounts module. This online
system is designed to handle the credit approval process from the point of application to the
point of approval or decline. &pplications are taken through processing steps that mirror the
underwriting process and can be categori2ed and treated according to the parameters set by
your company. 0hile the entire process can be automated, human intervention can occur at
any point within the process, the choice is yours.
C#S
The Credit "anagement System $C#S% is the accounts receivable system that functions as
the heart of VisionPLUS. C#S holds the demographic, financial, and historical information
for each account. Other VisionPLUS modules needing that information obtain it from C#S,
eliminating record duplication. C#S also contains user/defined parameters for interest,
billing, insurance, payment, and account processing.
(S#
The &ccount Services "anagement system $(S#% is the online, real/time customer service
module. (S# enhances your ability to provide superior customer service by utili2ing user/
defined action codes to perform customer/generated re4uests such as interest ad6ustments,
address changes, and disputes.
F(S
The !inancial &uthori2ation System $F(S% is the 78/hour/a/day, 9/day/a/week authori2ation
module. F(S processes retail, Visa, "asterCard, and :uropay authori2ations based upon
user defined processing parameters. &uthori2ations can be approved, declined, or referred.
F(S also provides authori2ation reversals, card recovery listing and updates, and
event;delayed advice retrievals.
!R(#S
The Transaction "anagement System $!R(#S% is the VisionPLUS front/end processor.
!R(#S accepts multiple transaction types and prepares them for any destination,
consolidating numerous application front/ends into a single input system. !R(#S also
provides e+tensive 6ob tracking, settlement, warehousing, reporting, re6ect, and online re6ect
and suspense handling capabilities.
#$S
The "erchant *ankcard System $#$S% is the merchant ac4uiring system. #$S supports
both bankcard and retail merchant processing providing an efficient way to settle funds and
charge the merchant fees for services rendered. #$S offers discount, participation, reserve
funding, and volume bonus processing along with comprehensive activity reporting.
L!S
The 'etter System $L!S% is the module that can be used to create and issue letters for up to
five different P&3S3S products. 'etter variables from these different modules can be
embedded within generic letters to produce letters tailored to individual customers. 'etters
can be printed real/time or in batch processing.
I!S
The (nterchange Tracking System $I!S% is the dispute tracking and processing module. (TS
is designed to process incoming and outgoing chargeback transactions for both Visa,
"asterCard, as well as some regional associations such as :uropay $for :urocard/"asterCard
only% and &ustralian *ankcard. I!S keeps track of many user/defined parameters, such as
time limits to keep your business compliant with the different associations. Chargebacks are
<worked= through 4ueues based on criteria that you define creating a customi2ed, organi2ed
workflow.
C!(
The Collections, Tracking, and &nalysis module $C!(% is designed to categori2e and treat
accounts that need special handling. 0hile the system was designed primarily to handle past/
due accounts, it can be used to track and analy2e other groups of accounts that may or may
not need actual treatment. These groups may include V(Ps, lost or stolen cards, overlimit
accounts, and bankruptcy cases. C!( offers fle+ible collection strategies based on how your
company sets the control record parameters.
:ach of the VisionPLUS modules is a powerful, valuable credit/processing tool. &s an
integrated system, VisionPLUS creates a comprehensive credit processing environment,
providing your business with the fle+ibility, and reliability needed to succeed.