Relating VisionPLUS to Business

© 2003 Kanbay Incorporated - All rights reserved

This is a sample title page footer
 VisionPLUS™
PaySys International, Inc.

Application
Processing
Security sub system
(CDM)
SSC
Merchant
Processing Authorisations
(MBS) (FAS)

Credit
Letters Transaction
System Management Management
(LTS) (TRAMS)
System

Collections Interchange
Tracking & Tracking
Analysis System
(CTA) Customer (ITS)
Service
(ASM)
07/09/24 07:40 2
 Account Acquisition
The Credit Application
Prospective
Credit
Customer
Completes
Application
Application
Paper Form
Distributed

Application is
Issuer of Credit Forwarded to
Electronic Issuer

07/09/24 07:40 3
 Account Acquisition
Application Data Entered & Edited

Sandra Mason
Manually 452 West Fifth Ave
Entered Chicago, IL
Paper Form New 42222-3457
Applications
System
Electronically Employment History
Credit References
Entered

Data Edited for

Electronic Required Information

07/09/24 07:40 4
 Account Acquisition
Data Examined

Fraud?
Fraud?
Sandra Mason
Minimum
Minimum
452 WestQualification
Fifth Ave
Qualification
New Chicago, ILCriteria
Applications 42222-3457 Criteria
System
Employment History Application is
Credit References Scored

07/09/24 07:40 5
Account Acquisition
The Final Score Determines the
Credit Decision Outcome
OM
Moves on to the Account
P LE
TE
SS C
Approved Fulfillment Process
C E
PRO

OM PL E T
E Letter is Sent to
SS C
OC E Prospective Customer
Declined PR
With Reasons

Referral Can Be
A Counter Offer
Referred

07/09/24 07:40 6
 Account Acquisition
If the Prospective Credit Customer
is Approved. . .

Accounts
Account No.
0000 0000 0000 Receivable
0000
• Credit Limit System
New • Terms & Conditions

Applications
System
Authorization
File Created System

07/09/24 07:40 7
 Account
TE
Fulfillment
MP LE
S CO
R O CE S For Accountholder to Begin Usage
P
of the Account. . .
Account No.
XXXXXXXXX
Approval
Letter
Generated

Customer Receives Account

PLUS
Fulfillment Package

Plastic Card
Generated
XXXX
PIN Created
(Optional)

07/09/24 07:40 8
 Account Authorization
The Customer Makes a Purchase

Approve
Approve Decline
Decline Refer
Refer

Payment Methods:
• Bankcard Credit
• Private Label
• Consumer Lending
• Debit Cards
POS Customer

07/09/24 07:40 9
 Account Authorization
When Purchase is a Bankcard
Credit Transaction. . .

Authorization
Request
(PIN Required)

ATM Switching
OR Authorization System
Request

Card Associations
POS Merchant Acquirer

07/09/24 07:40 10
 Account Authorization
When Purchase is a Bankcard
Credit Transaction. . .

Sends for
Decision
Authorization is
Fraud?
Fraud? Approved,
Declined, or
Referred. . .
Response is Sent
Back Via Same
Route
Issuer of
Card Associations Credit

07/09/24 07:40 11
 Statement & Billing
The Billing Cycle
Purchase
Purchase
Payment

1 2 3 4 5 6 7 Posted
8 9 10 11 12 13 14
Document
Composition
15 16 17 18 19 20 21
System
22 23 24 25 26 27 28 Statement
29 30 31 Requested
Accounts
Receivable
Billing Date Arrives System

07/09/24 07:40 12
 Payment Process

A Payment is Received
Remittance Stub
and Payment Sent
to Lock Box

By Check

OR
At Branch

By Electronic Payment Issuer of Credit

Via WWW

07/09/24 07:40 13
 Payment Process

Payment Proofed and Posted

Proofed Using High Speed

Reader Equipment Post Credit
to Account

Accounts
Payment Is Sorted and Read by Receivable
People or Equipment
System

07/09/24 07:40 14
 Collections

Balance

Accounts Time Past Due

Receivable Collections
System System
Risk Level
Delinquent Accounts
Accounts Sent Are Sorted Based
on Pre-determined Etc.
Criteria

07/09/24 07:40 15
 Collections

Accounts are queued for Collectors attempt to contact customers. Results (I.e.
collection based on user-selected Promises-to-pay) are recorded for follow-up. Letters are
Collection Strategies requested, as needed.
Calls to customers
made through a Dialer.
(optional)
Priority 1

Priority 2 Collections
System

Priority 3
Collector Using Collection System

07/09/24 07:40 16
 Collections
P L ET E Collections By An Agency
S C OM
O CE S
PR
Bad Debt Accounts
Extracted Accounts Received
for Handling

Accounts
Collections
Receivable System
System

Issuer of Credit Collection Agency

Payment Received by
Agency Sent to Issuer

07/09/24 07:40 17
 Merchant Settlement

Transactions Sent to
Merchant Acquiring Bank

POS Device
Merchant Acquiring Bank

07/09/24 07:40 18
 Merchant Settlement

Batch Files Are Sorted

Files Sorted ON-US

Transaction
Management
System
Not
ON-US

Merchant Acquiring Bank

07/09/24 07:40 19
 Merchant Settlement
An ON-US Transaction
Settle &
Statement
Merchant
Data
Keyed
Paper Receipt Merchant
Created Accounting
Transaction Software
OR Management
System
Accounts
Receivable
File
Transferred System
Electronic Statement Sent to
Transaction Cardholder

07/09/24 07:40 20
 Merchant Settlement
A Not ON-US Transaction

Data
Keyed
Paper Receipt
Created
Transaction
OR Management
System

File
Transferred
Issuer of Credit
Electronic Card Associations
Transaction

07/09/24 07:40 21
 Issuer Settlement

Directly
Transaction Posts
Management
System

Merchant Accounts
Issuer of Receivable System Account
Acquiring Statement
Bank Credit
Card
Associations

07/09/24 07:40 22
 Customer Service

?
Customer Issues
What is my balance and open to buy?
I would like my annual membership
waived.
My finance charge is too much!
I have changed my address.
My last payment is not posted on my
statement.
What point program do you offer?
Customer

07/09/24 07:40 23
 Customer Service
Contacting Customer Service
Information Answered
for Customer
Call Complete

Customer Calls Customer Request

“Live” Service
Customer Service Representative
OR OR

Call Is Routed
to a Voice
Response Unit

Accesses Their
Account Via WWW Customer Service Representative

07/09/24 07:40 24
 Customer
TE
Service
MP LE
S CO
R O CE S
P
Servicing the Account

Used to Access
Customer Customer’s Account
Service Information and
System Work Customer’s
Request

Customer Service Representative

07/09/24 07:40 25
 Disputes & Chargeback
Incorrect Disputes
Transaction

Letter Dispute &

Cardholder Chargeback
Contacts Issuer OR
System

Statement
Reviewed Issuer of Credit
Telephone

07/09/24 07:40 26
 Disputes & Chargeback

Dispute Request & Response Process

Sends Retrieval Acquirer Responds
Request to Request

Dispute &
Chargeback Was the Card Keyed?
System
Card Swiped? FAX
Draft Signed?
Etc.
Issuer of Acquirer
Credit
Facsimile Draft Sent

07/09/24 07:40 27
 E
S S COM
P L E T Disputes & Chargeback
OC E
PR
Invalid Cardholder Purchase Resolved
Issuer decides when to close dispute.
YES

Dispute & Valid Chargeback? Debit

Chargeback Merchant
System

Chargeback NO
Sent
Issuer of Credit Acquirer
RE PRE SE N TME N T
Card Associations
Which follows same
path back to the Issuer

07/09/24 07:40 28
 Reporting
Pre-defined Reports
Host System
Accounting/Billing which handle • Settlement
Customer Service
• Exceptions
Authorizations
• Profitability
Transaction Management
• History
New Accounts

Merchant Acquiring • Parameter Settings

Collections • Regulatory Responsibilities
Chargebacks

System provides pre-defined reports. . .

© 2003 Kanbay Incorporated - All rights reserved

 VisionPlus : Issuer Perspective

authorisation
authorisation Authorisations
Authorisations Interchange
Network Module Interchange
Network Module Tracking
Tracking
(FAS)
(FAS) (ITS)
(ITS)
Settlement
Settlement
Network
Network

Application Account Transaction

Transaction
Application Account
Processing Receivable Management
Management
Processing Receivable
(CMS) (TRAMS)
(TRAMS)
(CMS)
Payments
(Cash / Direct
Debits

Collections
Collections
Letters
Letters Module
Module
Customer
Customer Module
Module (CTA)
(CTA)
Service
Service (LTS)
(LTS)
© 2003 Kanbay Incorporated - All rights (ASM)
(ASM)
reserved

7
 VisionPlus :Acquirer Perspective

Authorisations
Authorisations Authorisation
POS
POS Module Authorisation
Interface/ / Module Network
Network
Interface (FAS)
(FAS)
Voice
Voice
Authorisation
Authorisation

Merchant Interchange
Interchange
SalesDraft
Sales Draft Merchant
System Tracking
Tracking
capture
capture System
(MBS) (ITS)
(ITS)
(MBS)

Transaction
Transaction Settlement
Management Settlement
Management Network
Network
(TRAMS)
(TRAMS)
© 2003 Kanbay Incorporated - All rights reserved

8
Table of Contents

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 Here are Your Color Choices

Color Palettes
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solid standard colors
Red, Green, Blue Red, Green, Blue

153,0,0
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Pie Chart

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Bar Chart

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50
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East We st North

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 Excel Bar Chart
▲ Excel is a good way to
add graphs and have total
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 Excel Pie Chart
▲ Excel is a good way to
add graphs and have total
control over the numbers
and the colors Excel Pie Chart
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on these pages to provide HTML
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in place of a text box 23.4% Java
30.7%

JSP
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Se rvle ts
6.3% VB
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11.4%

07/09/24 07:40 41
 Kanbay Incorporated
[Name] New York Office
Title 1200 Sixth Avenue
[email]@kanbay.com 4th Floor
Tel: 212.884.8400 New York, NY 10019
ext. [ext#] Tel: 212.884.8400
Cell: [cell phone] Fax: 212.302.7915
www.kanbay.com

© 2003 Kanbay Incorporated - All rights reserved

 Kanbay Incorporated
[Name] Global
Title Headquarters
[email]@kanbay.com
6400 Shafer Court
Tel: 847.384.6100
Suite 100
ext. [ext#]
Rosemont, IL 60018
Cell: [cell phone]
Tel: 847.384.6100
Fax: 847.384.0500
www.kanbay.com

© 2003 Kanbay Incorporated - All rights reserved