Payment Cards module is a segment of software support that enables the Bank to operate with the Slovenian Card Processing Center Bankart and foreign processing centers EGCP, SIA, Fiserv and Euronet. Support depends on or adapted to the functionalities of each process center. Within the card business, support is provided for:
- debit cards
- prepaid cards
- charge cards
- revolving cards
- ATM operations
- POS acquiring
Debit cards are an element of a transaction account and enable transactions within the available balance of a personal or business transaction account.
Prepaid cards enable transactions within the available balance of the prepaid account. The balance on the account is provided by the holder of the prepaid account with transfers via electronic channels, deposits in the branch or transfers via payment transactions.
As part of support for debit and prepaid cards, the following is implemented:
- exchange of card management data with the process center on the basis of files and web services (ordering cards and changes such as card blocking/unblocking, orders for card replacement, changes of limits)
- management of card attributes via electronic channels (e.g. changes in daily limits, on/off SMS notifications, on/off contactless, temporary blocking/unblocking of cards)
- 24/7 (standin) execution of online reservations (authorization of card transactions)
- sending a status database
- processing and posting transaction files
- calculation of card management costs
- calculation of SMS notification costs
Charge cards enable operations within the available card account limit approved by the bank.
Revolving credit cards enable operations within the available balance of the card account on the basis of a revolving loan approved by the bank.
Support depends on or adapted to the functionalities of each process center. Within the framework of Hibis card business support, the following is implemented:
- management of master data of card accounts and cards
- exchange of card management data with the process center on the basis of files and web services (ordering cards and changes such as blocking/unblocking, orders for card replacement, changes of limits)
- management of card attributes via electronic channels (e.g. changes in daily limits, on/off SMS notifications, on/off contactless, temporary blocking/unblocking of cards)
- 24/7 (standin) execution of online reservations (authorization of card transactions)
- processing and posting of transaction files received by the processing center
- sending changes to traffic data by card invoices to the processing center
- performing billing cycle operations in Hibis
- calculation of default interest
- creation and distribution of statements through supported channels (e.g. mail, electronic banking, e-mail, e-invoice)
- settlement (debiting a bank account or alternative options that allow automatic payment through another bank)
- calculation of card management costs
- calculation of SMS notification costs
- installment management
- calculation of membership fees
- support for the return of a proportionate share of membership fees
- conducting a reminder procedure
ATM operations provide support for the management of ATM operations. ATMs are operated within vaults. Support includes:
- processing process center files and posting ATM transactions
- interbank settlements
- issuing invoices for commissions
- settlement for prepaid phone charging vouchers
POS acquiring enables operation of business support with POS terminals and includes:
- management of master data of merchants, points of sale and POS terminals
- posting POS transactions
- remittances to merchants
- interbank settlements
- charging of costs
- invoicing
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