Debit Card Applications

The Debit Card Applications module manages bank cards linked to customer accounts, providing real-time balance verification, transaction processing, and seamless core banking integration.

Creating a Debit Card

Debit card creation process: 1. Customer account verification in core banking 2. Card product selection based on account type 3. Card data creation with account linkage 4. Embossing file generation 5. PIN generation and secure delivery 6. Card activation upon delivery confirmation

Bank Card Account Relationship

Account Linking

• Primary account assignment
• Multiple account support per card
• Account selection for transactions
• Default account configuration

Account Types Supported

Account Type	Description
Current Account	Standard checking account
Savings Account	Interest-bearing savings
Foreign Currency	Multi-currency accounts
Investment Account	Linked investment products

Bank Integration

Core banking system integration features: - Real-time balance inquiry - Instant account debit/credit - Hold/release for authorizations - End-of-day reconciliation - Transaction posting confirmation

Integration Methods

• Web service (REST/SOAP)
• Message queue integration
• Direct database connectivity
• ISO 8583 messaging

Supported Transaction Types

Off-Us Transaction Types

Transactions processed through external payment networks (Visa, Mastercard, Troy):

Transaction	Description
ATM Withdrawal	Cash withdrawal at other bank ATMs
POS Purchase	Retail purchases at merchant terminals
E-Commerce	Online purchases
Contactless	NFC tap-to-pay transactions
Cash Back	Cash back at retail POS
Balance Inquiry	Account balance check at ATM
Mini Statement	Recent transactions at ATM
Fund Transfer	Card-to-card transfers

On-Us Transaction Types

Transactions processed within the bank's own network:

Transaction	Description
Own ATM Withdrawal	Cash at bank's own ATMs
Own ATM Deposit	Cash/check deposit
Branch Transaction	Teller-assisted operations
Internal Transfer	Between own accounts
Bill Payment	Utility and service payments
Tax Payment	Government tax payments
Loan Payment	Loan installment payments

Transaction Processing

Authorization Flow

1. Transaction request received
2. Card validation (status, expiry, PIN)
3. Core banking balance check
4. Limit verification
5. Fraud screening
6. Authorization response
7. Account hold placement

Settlement Flow

1. Clearing file received from network
2. Transaction matching
3. Account debit posting
4. Hold release
5. Reconciliation

Limits and Controls

Transaction Limits

Limit Type	Application
Daily ATM Withdrawal	Maximum cash per day
Daily POS Purchase	Maximum POS spending
Per Transaction	Single transaction ceiling
Monthly	Monthly spending cap
Contactless	Per-tap limit without PIN

Security Controls

• PIN verification (online/offline)
• CVV/CVC validation
• 3D Secure for e-commerce
• Velocity checks
• Geographic restrictions

Notifications

Real-time customer notifications:

Event	Notification
Transaction Complete	SMS with amount and balance
ATM Withdrawal	Instant SMS alert
Large Transaction	Immediate notification
Card Blocked	Alert with reason
International Usage	Cross-border alert
Failed Transaction	Decline notification

Notification Channels

• SMS
• Push notification
• Email
• Mobile app in-app message

Reporting

Operational Reports

• Daily transaction summary
• ATM utilization report
• Failed transaction analysis
• Limit utilization report

Regulatory Reports

• BKM transaction statistics
• Network settlement reports
• Fraud incident reports

Customer Reports

• Transaction history
• Account statement
• Spending analytics