Common Methods
Common Methods
The methods no single card product owns — reference data, card lifecycle, PIN, limits, statements and disputes. Core banking calls them, and so do the digital channels
Tags
Card lifecycle
Move a card through its states after issuance — status changes, replacement, renewal, blocking and closure.
Customers
Read the customer behind the cards — portfolio summary, corporate relationships and total assets.
Account linking
Attach and detach the accounts a card draws on, and read back what a card is currently linked to.
Transactions
Read what happened on a card and correct it — transaction history, pending provisions, reversals and slip receipts.
Card and customer limits
Raise, lower and reverse the spending limit on a card or on the customer behind it. Every change returns a log id you can reverse with.
Permissions and restrictions
Turn individual capabilities on and off for a card — e-commerce, international use, mail order and other miscellaneous options.
Collections and legal follow-up
Follow up arrears — delinquency state, collection detail and the legal process behind an unpaid balance.
Debt payment
Take a payment against card debt, check a card is eligible to be paid down, and cancel a payment that should not have run.
Statements and billing
Produce the statement a cardholder reads, and manage the period, delivery preference and address behind it.
PIN and card security
Set and change a PIN, manage the try counter, and generate or verify the card verification values.
Campaigns and rewards
Read the reward and campaign periods a customer's cards qualify for.
Platform operations
Health checks and cache refresh. Called by your monitoring, not by a cardholder journey.
Reference data
Look up the reference data a card programme is configured against — products, codes and parameters.