Technology

CSU also uses VisionPlus^TM by FDR which is a world-renowned software used by the largest corporations worldwide. CSU has invested and developed many features and systems that have turned VisionPlus^TM by FDR into the most modern and comprehensive technological and systemic structure for credit cards and electronic payment means in the market: the VisionPlus^TM by FDR.

VisionPlus^TM by FDR is the most powerful solution available because it has almost 20 years* of customizations and more than 10 million lines of system programming. It is fully parameterizable, very safe and consistent. It is not software for one single product but rather a family of products.

CSU CardSystem is technologically qualified to offer personalized solutions for the businesses of the customers within the standards that are required by the global electronic payment means market.

• VisionPlus^TM by FDR – Overview

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  • 8 original integrated modules for total credit card, retail and private label management.

  • Common Concept of “Control Registers” (set of parameters that controls the processing of the system – inter-related tables) to guide the different processing and decision-making levels grouped by common area.

  • Greater availability of online, real-time and immediately accessible information (information tools to increase customer satisfaction and boost sales).

  • Powerful and flexible parameterization.

• Summarized description of the original VisionPlus^TM by FDR modules

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  • CMS: Multi-organizational credit management. A variety of products available, such as: bonuses, insurance, promotions, transfer balance, etc. with real-time processing control.

  • TRAMS: Front End (input capture and data search).

  • Warehouse: Stores information to complement layouts and saves transactions with future dates for later processing.

  • FAS: Authorization Processes (support for users and establishments). Automation of decision-making processes through user-defined parameters. Quicker and more accurate responses.

  • CTA: Debt Collection, follow-up and analysis of default. Setup of queue and collector priorities and processing of exceptions.

  • ITS: Interchange Management with management reports for controlling the SLAs.

  • ASM: Real time control of the work flow out of the Customer Care area with the presentation of performance reports.

• Summarized description of the VisionPlus^TM by FDR modules

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  • TPP – Transactions with Staggered Payments.

  • APE – Scheduling of Payment to Establishments.

  • GTR – Rejection Handling Management.

  • IFP – Standard Interface – CSU Solution for systematic data exchange with customers.

  • ICS – Internet Call Center Service. Solution to access and setup queries and maintenance in the system through personal services, such as the Internet, home banking and URA.

  • ARF – Risk and Fraud Analysis.

  • RAV – Solution for scheduling and early payment of receivables.

  • Accounting Module – Financial and accounting reconciliation of account balances, performance of processed, received and generated transactions, including charges and fines. The solution offers the reconciliation of the physical and accounting balances, ensuring the accuracy of the information and the automated generation of interfaces requested by the Brazilian Central Bank (BACEN).

  • CSUPARM - Module of CSU parameterizations. Enables all the functionalities developed to be parameterizable so that they can be used in accordance with the product of the customer and its variables.

  • Banners: Is certified for the main banners currently available on the market: Visa, MasterCard and American Express.

  • Connectivity: Has a connection grid with high-range flexibility and a variety of providers, which enables total data and voice network integration.

  • Capture Network: Connection with the main capture networks and service providers in the country: TecBan, SysData, VisaNet, RedeCard and Serasa and others.

  • Security: Security Policy aimed at data privacy. The access control ensures the proper management of the access integrity of people, processes and resources.

  • Business continuity: CSU has a highly available computer infrastructure that offers the management of business continuity and ensures that the customers have stability in critical situations - whose portfolio contemplates an own contingency site.

  • Team training: The company has a highly differentiated technical team with vast know-how in the credit card and electronic payment means business.

* Before becoming CSU, the company was already developing and customizing the system.