CMS (Credit Management System) - Hierarchy

CMS (Credit Management System): First let us see the Credit management system which is the core system of Vision Plus application.

From here on all the systems details has been based on the Mainframe System.

First let us see the Credit card hierarchy in Vision Plus system,

System ==> Organization ==> Logo ==> Account ==> Card ==> Credit Plans

System: Before we begin the Credit card processing we need to setup system basicall a single system for 1 bank with the following parameters,
1. Holiday tables - Indicates when the system should run for processing. For Eg: Only on weekdays or Working days or any specific dates for the month
2. Direct Debit options - Enable the Direct debt for te customer options
3. Batch Processing Options

Organization: This indicates which Bank unit or Bank that we are going to with the help of below items,
1. Portfolio
2. Bank unit details
3. Currency
4. General Ledger details
5. Billing Cycle schedule
6. Card number generation scheme

There could be multiple Organization levels for single bank that all depends on the business decisions.

Logo: Logo level is nothing but the type of cards that bank is offering to the customer. There could be multiple logo levels for single Organization like Bank cards, Private label cards, diners cards etc., Logo level controls the following parameters. Here is the place where most of the control parameters have be driven.

1. Card type
2. Reporting Structures
3. Payment decisions/hierarchy
4. Block code Parameters
5. Write off/ Charge off parameters
6. Loyality program controls
7. Collection criteria
8. Fraud parameters
9. Number Generation scheme
10. Smart Card setup

Still Logo level holds the major setup schema. However please not that there are few parameters that has been maintained across System level, Org level, Logo Level and account level. Always the first priority will be from system level through till card level.

Account: Account is nothing but a relation ship creation basically for the customer for the Bank. The account level parameters are
1. Credit limit
2. Billing Cycle
3. Customer Number
4. Relationship number
5. Card
6. Credit Plans

Card: Then finally the card generation process for the customer. There could be multiple cards that can be generate for single customer like Add on cards, Different card types.