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Product Identification

Comprehensive card product definition and parametric management system for credit, debit, prepaid, digital, and virtual cards.

Capabilities2Sections7Words631

What this is for

  • Individual Credit CardsCreate and manage personal credit card products with main and supplementary card support.
  • Corporate Card ProgramsManage company cards with shadow card structure and employee card allocation.
  • Digital & Virtual CardsIssue instant digital cards with optional physical conversion and virtual cards for e-commerce.

Product Identification

The Product Identification module in Everest Card Management System enables institutions to create and manage different card types parametrically. This foundational component determines all rules, limits, charging structures, and customer segmentation used throughout the card's lifecycle.

Product Structure Overview

Product Structure
├─ Basic Product Information
├─ Basic Card Information
│   ├─ Card Brand & BIN Information
│   └─ Product Assignable Card Features
├─ Product Segmentation
├─ Technical Configurations
│   ├─ Lifecycle Controls
│   ├─ Virtual/Supplementary Card Information
│   ├─ EMV Emboss Information
│   ├─ Offline Limit Information
│   └─ Restriction Codes
└─ Linked Profiles
    ├─ Fee Profile
    ├─ Limit Profile
    ├─ Statement Profile
    ├─ Interest/Profit Profile
    ├─ Installment Profile
    └─ Reward Profile

Basic Product Information

Summary information describing the product:

Field Example Description
Product Number 10001 Unique value assigned to the product
Product Name Corporate Credit Card Tier 1 Detailed description
Product Short Name Corporate Credit 1 Short identifier
Wallet Chip Indicator N - None Wallet definition for prepaid cards

Supported Card Types

Individual Cards

Personal credit cards with main and supplementary card support. Features include: - Application-based limit allocation - Domestic and international usage authorizations - Segment-based printing (Classic, Gold, Platinum) - Parametric status and reason code management

Corporate Cards

Business cards with shadow card architecture: - Shadow Card + Main Card + N Supplementary Cards structure - Company-level limit allocation - Individual or collective statement options - Personnel card management at company risk

Dealer Cards

Closed-loop cards for dealer networks: - Valid only at specified member merchants - On-Us transaction support - Authorization validation against company network

Private Label Cards

Store-specific closed circuit cards: - No brand affiliation - Customizable risk analysis - On-Us transaction only

Digital Cards

Cardless payment solutions: - No physical printing required - Instant transaction capability with verification codes - Convertible to physical cards on request - Supports supplementary and virtual cards

Virtual Cards

E-commerce focused temporary cards: - Linked to main or supplementary cards - Date-range based limit assignments - Fixed or decreasing limit options - Automatic renewal at maturity

HCE Tokenized Cards

Mobile NFC payment cards: - Integration with NFC-compatible mobile applications - Shadow card creation on registration - Linked to main or supplementary cards

BIN Configuration

BIN Definition

Configure card scheme parameters including: - Card type and scheme (Visa, Mastercard, Troy) - Working parameters and restrictions

BIN Range Definition

Map card number ranges to products: - Low and high range boundaries - Product-specific range allocation

Profile Linkage

Products are connected to profiles for centralized rule management:

Installment Profile

  • Total, minimum, and maximum installment counts
  • Postponement parameters
  • Interest rate definitions
  • MCC-based restrictions per local regulations

Reward Profile

  • Reward type configuration
  • Initial reward amounts
  • Transaction-based and periodic earning limits
  • Customer and card-level maximum caps

Technical Configuration Options

Parameter Options Description
Card Brand Mastercard/Visa/Troy Payment scheme
NoName Yes/No Anonymous card printing
Virtual Yes/No Virtual card capability
Digital Yes/No Digital card capability
Contactless Yes/No NFC payment support
EMV Yes/No Contact chip support
Magnetic Stripe Yes/No Legacy mag stripe support
Renewal Yes/No Automatic renewal

Transaction Restriction Codes

Product-level restrictions that apply to all linked cards:

  • POS Cash Advance
  • ATM Transactions
  • E-Commerce (with/without SMS verification)
  • Contactless Transactions
  • Domestic/Overseas Sales
  • Domestic/Overseas Cash Advance
  • Bill Payment
  • Pre-Authorization
  • Installment Sales
  • Mail Order

Capabilities it covers