CAMS II

CARD & MERCHANT SYSTEM

CONQUER THE CARDS MARKET
WITH AN IN-HOUSE PROCESSING PROGRAM

TAKE THE ROAD LESS TRAVELED

Trying to get ahead in todays overcommoditized cards market is an uphill battle. You must seize market share wherever you can, but it takes speed and power to outmaneuver your competition. You achieve short-term advantages, only to lose ground later. And you need overdrive just to keep up with the rate of change in the global environment. What if you had a vehicle to take you to new heights of innovation and protability? What if you could accelerate your cards programs on your own terms and blaze your own trails to new markets? You need robust software that drives all aspects of cards management.
CONQUER THE CARDS MARKET

product innovation, cost control, agility, scalability and time to market begins with in-house processing. Conquering the cards market begins with CSC. CSCs CAMS II Card & Merchant System gives you a high-performance, core processing engine for managing all forms of cards, electronic payments and merchant accounts. Many of the worlds leading nancial services companies drive their cards programs with CAMS IIs global solution that supports accounts in multiple currencies, countries, languages and company hierarchies.
TAKE BACK CONTROL

Looking for true differentiation? Join the growing number of issuers and acquirers that are processing cards in-house. Improving

CAMS II puts the business side of your organization back in control of product development and overall cards management. Rather than revise software code or wait for IT, product managers and other business users are in the drivers seat. They can simply modify existing products or CAMS II templates and use the systems parameter-based architecture and rules engine to power product development and extend card portfolios.

Gain Speed, Flexibility and Control Drive Product Innovation and Growth Manage Costs and Boost Protability Improve Customer Service

CAMS II FOR CARD ISSUERS

FLEXIBLE PRODUCT FRAMEWORK FOR MULTIPLE CARD TYPES: Credit, Debit and Prepaid/ Stored Value Co-Branded Visa, MasterCard and American Express Revolving Credit and Private Label EMV/Contactless Virtual Cards Gas/Petrol Business Cards Loyalty and Gift Cards AUTOMATE AND STREAMLINE CARD PROCESSES Electronic Benets Transfer Installment Loans And Many Others

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 write-offs, 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 exible 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-thebox integration with leading authorization and settlement software including ACI BASE24-eps and ACI Payments Manager.

LAUNCH INNOVATIVE PRODUCTS AND PROMOTIONS

CAMS II allows the business team to rapidly create and manage innovative card products, loyalty programs and new pricing strategies, including transaction-level pricing and other options. CAMS II includes unique features for processing debit and prepaid cards. Whether disposable, reloadable, personalized or anonymous prepaid products, CAMS II lets nancial institutions avoid outsourced management of prepaid products that can deliver low margins for the time and effort required to launch and customize products. Other unique features include prepaid authorization decisioning, card load/ reload from multiple payment channels, card-to-card transfers and inventory management.
MANAGE LOST/STOLEN CARDS AND RELATED RISK

TOP U.S. DEBIT CARD ISSUER MOVES PROCESSING IN-HOUSE A major national U.S. bank had outsourced its cards to a third-party processor for more than a decade, but the bank realized the one-size-ts-all relationship had limitations. The bank needed to launch new, innovative card products quickly to better direct and achieve its business strategies. The bank evaluated several options and chose CSCs CAMS II to move debit card processing in-house. The bank was impressed with the systems depth of functionality, as well as its out-of-the-box integration with CSCs Hogan Deposits System, which the bank already used for deposit processing. CSC assisted in planning and implementing the system, converting data from the processor to the banks new in-house systems, and rolling out training for both business and technical staff. CAMS II positioned the bank to break down its silos and integrate cards, deposits and lending and to control its own strategic cards program.

User-dened business rules manage lost and stolen card processes, including automatic issuance of replacement cards and reversals of fraudulent transactions, associated fees, nance charges and prior adjustments or offsets to original transactions. CAMS II continually ags 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.
STREAMLINE REGULATORY COMPLIANCE

CAMS II includes mandatory regulatory compliance updates for the major associations including Visa, MasterCard and American Express. Designed to minimize the impact of compliance updates, CAMS II isolates those updates from other aspects of the system using its advanced change-control features.

CAMS II FOR ACQUIRERS AND

THIRD-PARTY PROCESSORS

ACHIEVE NEW LEVELS OF MERCHANT PRICING AND SETTLEMENT FLEXIBILITY

THIRD-PARTY PROCESSOR EXPANDS IN EUROPE Within 3 years of choosing CAMS II, a leading European third-party card processor grew its business from 15 million to 29 million cards, and now executes more than 1 billion transactions annually. The processor has expanded into nine countries, and clients include 10 of Europes leading banks. According to the companys CEO, CAMS II is the best system on the market for high-volume processors. Not only can products be modied quickly to support a wide range of processing options, but the platforms multicountry, multilanguage characteristics can be adapted to each situation.

CAMS II enables acquiring banks to establish multilevel organizational structures to dene processing, pricing, correspondence and reporting features. Acquirers can control where transactions are accepted, when and where payments are made and funds collected, and how information on acquired transactions is provided to the merchant. Acquirers can also realize greater pricing exibility by coupling multiple card acceptance with transactionand account-level pricing at the individual merchant account level. Pricing options can be based on a variety of transaction attributes including transaction type, characteristics of the transaction (e.g., Visa or MasterCard), plastic type (credit, debit or business card), on-us or not-on-us, and entry mode (keyed, swiped or paper). For cross-border payments, CAMS II supports multicurrency conversion and dynamic currency conversion. CAMS II allows a single merchant account to submit transactions in any currency. Merchants also can accept multiple currencies at the point of sale while settling transactions in the merchants preferred currency. Cardholders can convert a purchase to local currency when making a payment in foreign currency.
ENHANCE THIRD-PARTY PROCESSING CAPABILITIES

CAMS II fully supports third-party card processing services for both issuing and acquiring. Separate rewalls isolate customer and account data, business processing rules, general ledger and product congurations for a virtually unlimited number of thirdparty companies. To streamline the setup of new companies, acquirers can automatically apply base processing rules and customize other details as needed to meet unique requirements. The system provides automated transaction-level billing features for third-party services.

CAMS II TECHNOLOGY
DELIVERS A SOLID FOUNDATION
LEVERAGE AN ADVANCED, OPEN ARCHITECTURE INCREASE SPEED AND PERFORMANCE, EVEN AT HIGH VOLUMES

CAMS II is designed to meet the needs of issuers, acquirers and processors worldwide, from regional nancial services companies to global banks and large processors. The system furnishes a full range of interfaces, including Web services designed to easily integrate with various user channels and Web portals. It also supports a service-oriented architecture approach. In addition, CAMS II can deliver real-time, actionable data to your business intelligence engine to improve reporting and increase performance agility.

The proven performance and scalability of CAMS II make it the fail-safe choice for cards companies looking to support a range of growth opportunities. CAMS II is a production-proven system built for IBMs highly reliable and scalable DB2 Universal Database Server for z/OS. In fact, IBM benchmarked CAMS II to process 100 million active credit card accounts at up to 1,550 transactions per second. Given a typical card portfolio of 30 percent active accounts and 70 percent inactive,

CAMS II can support up to 300 million accounts on a single platform. This scalability makes CAMS II a solid growth platform. CSC takes full advantage of IBMs Parallel Sysplex, a major technological advancement that increases system scalability and availability while reducing the cost of computing. This technology enables CAMS II to harness the power of up to 32 separate z/OS systems while making them behave as a single, logical computing facility. It is the ideal solution for large organizations

struggling to meet the expanding availability and CPU resource requirements of online transaction systems. 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 and auto-scheduling of account activities for processing. Automated real-time nancial calculations are accessed only when needed, which helps to eliminate massive daily portfolio calculations and reduce overhead.

COUNT ON THE

SUPPORT OF AN
INDUSTRY LEADER

With more than 30 years of experience in nancial services, CSC is committed to innovation in cards and electronic payments. CAMS II positions card processing organizations for the future of digital payments. CAMS II has all the features you need to support all card types and loyalty programs. It gives you the power to launch new products when and how you want without waiting on IT. CAMS II delivers speed, exibility and control to seize growth opportunities and gain a competitive advantage. For more information about CSCs CAMS II Card & Merchant System, call 800.345.7672 or +1.469.499.9981, or e-mail inforequests@csc.com.

BUSINESS SOLUTIONS TECHNOLOGY OUTSOURCING WORLDWIDE CSC HEADQUARTERS THE AMERICAS 3170 Fairview Park Drive Falls Church, Virginia 22042 United States +1.703.876.1000 EUROPE, MIDDLE EAST, AFRICA Royal Pavilion Wellesley Road Aldershot, Hampshire GU11 1PZ United Kingdom +44(0)1252.534000 AUSTRALIA 26 Talavera Road Macquarie Park, NSW 2113 Australia +61(0)29034.3000 ASIA 139 Cecil Street #06-00 Cecil House Singapore 069539 Republic of Singapore +65.6221.9095

ABOUT CSC The mission of CSC is to be a global leader in providing technology-enabled business solutions and services. With the broadest range of capabilities, CSC offers clients the solutions they need to manage complexity, focus on core businesses, collaborate with partners and clients, and improve operations. CSC makes a special point of understanding its clients and provides experts with real-world experience to work with them. CSC is vendor-independent, delivering solutions that best meet each clients unique requirements. For more than 45 years, clients in industries and governments worldwide have trusted CSC with their business process and information systems outsourcing, systems integration and consulting needs. The company trades on the New York Stock Exchange under the symbol CSC. ABOUT CSC IN FINANCIAL SERVICES CSC provides mission-critical business solutions, consulting and outsourcing services to leading nancial services rms around the world. We bring more choices to the industry. We help clients plan for business and technology change. We create software, tools and processes to address specic business needs, and we continually enhance those solutions by collaborating with an extensive network of client communities and technology partners. Our global outsourcing operations give us real-world insight into business and IT processes that deliver the best results for our clients. More than 1,200 major banks, insurers, and investment management and securities rms rely on the experience, ingenuity and leadership of more than 10,000 CSC employees focused on nancial services. www.csc.com

Copyright 2009 Computer Sciences Corporation. All rights reserved. Printed in USA 94409500

CSCs CAMS II Card & Merchant System is protected by U.S. Patent: 6,446,086