Silverlake Axis Card System (SCS) is one of the most advanced and complete card solutions used by both financial institutions and card processors today.

A global payments system, SCS transcends national boundaries, offering 24x7 authorization and different types of settlement capability. This modular solution is built on IBM's DB2/400 relational database, and is capable of supporting online interfaces with a diverse range of external systems.

Its fully parameterized Product, Loyalty, Installment Plan, Balance Transfer, Collection, Authorization and Fraud modules afford users great flexibilities to implement "quick time to market" creative strategies.

In addition to issuing credit, charge, debit and private label cards, SCS can also be used to support personal lending programs. SCS are Visa and MasterCard EMV full data compliant for both issuing and acquiring purposes.

SCS comprises the following modules:

Issuing Module
The Issuing Module within the SCS allows for the flexibility of defining card product features and related processing requirements of a card issuer. This includes the naming of a product as well as the pricing.

Collection Module
The SCS Collection Module is made up of a comprehensive collection parameters and functions that provide for flexibility in planning and changing collection strategies. The collection parameters define the type of accounts that require collection attention and how should these accounts grouped and handled.

Acquiring Module
The SCS Acquiring Module provides functions for setting up merchant records for acquiring business. Rules for merchant discount calculation and other charges are user-defined. It is also possible to determine the type of product that a merchant may acquire or the transaction currency that can be accepted by a merchant.

Loyalty Programs
The SCS Loyalty Programs are useful tools to retain customers as well as boosting up card usage. There are many variations and options available in these program parameters and it is really up to the users to define and make use of these loyalty programs on their issuing and acquiring businesses.

Risk Control
This risk control feature is designed to help prevent and detect fraud early so that risks are minimized.