System Architecture
Basis Architecture
Details and Major Functions by Stage
Core process
| Details |
- Agents Management - Solicitation Agency Management - Management of Payment Standards for Agents |
- Management of the settlement of Solicitation Fees - Membership Registration Management - Deliberation/Comfirmation Management |
|---|---|---|
| Major Functions |
- Combined management of agents and solicitation agency - Registration/change of payment standards for fees - Performance checks on agents' card issuance and on individual solicitation fees - Management of fees other than basic fees(incentives and additional fees) - Deliberation/confirmation of members in connection with ASS - Deliberation on renewed issuance using BSS |
- Management of cards granted from branches and returned cards - Immediate issuance - Combined information management of BC and the core banking system - Management of material codes by affiliated codes - Information management of the sending/return of BC |
| Special Advantages |
- Acceptance of various solicitation channels - Strengthened ability to deliberate on membership |
- Offer of various factors of solicitation performance management - Corporate member management by class structure |
| Major Functions |
- Approval of credit sales and account sales - Reference to transaction approval details - Detailed reference to approvals and cancellations - Check f or balances |
- Management of the total credit line of corporate members - Credit line management of business sites - Management of the monthly credit line of cash advances |
|---|---|---|
| Special Advantages |
- Flexible credit policy with built-in approval management - Risk factor elimination and customer satisfaction enhancement with distinct credit line management - Year round service |
|
| Major Functions |
- Management of lump sum payment products - Management of installment products - Same payment day with BC - Parameter management of settlement day application - Refund of purchase cancellation and point usage - Change in the number of installment payments |
- Change of installment interest rates - Change from lump sum to installment payments - Charge suspensions due to illicit use - Selection of eligible card loan recipients - Calculation of card loan limits |
|---|---|---|
| Special Advantages |
- Greater user convenience with strengthened consultation functionality - Appropriate response to customer needs with an easy change to the installment conditions - Creation of charge data when reflecting sales |
|
| Major Functions |
- Management of charge deadlines - Charge of annual fees - Charge of the month/late payments - Charge on the installment due date - Revolving charges - Lump sum charges |
- Advanced charges - Creation of specifics on usage - Creation of charge specifics - Data creation for printing bills - Verification of charge amount by products/types |
|---|---|---|
| Special Advantages |
- Increased number of new customers with various types of annual fees and management accordingly - Establishment of the basis for managing diverse payment days - Timely charging with the efficient process management of massive data processing |
|
| Major Functions |
- Partial or full refund of charged amount - Restoration of member's credit limit - Lump sum/advance payment of annual fee - Advance payment of installments - Advance revolving payment |
- Fee management of recapture/refunds - Payment cancellations - Correction of late payment charges/fees - Payment of overcharges or double withdrawals - Linked collection of demand accounts |
|---|---|---|
| Special Advantages |
- Easy advance payment - One-stop management of charges/payments - Management of different late payment charges/fees by members |
|
| Major Functions |
- Change of searches for new information of merchants - Change of searches for information on the notification to merchants - Searches for the special contracts of merchants |
- Information on bad merchants - Transaction specifics verification of members by application days and payment days - Account payment processing according to the payment documents of merchants |
|---|---|---|
| Special Advantages |
- Verification of the payment information of BC merchants - Management of interchange fees and special contracts of merchants - Provision of marketing information on members through information management of merchants |
|
| Major Functions |
- Short-term delinquency - Designation of person in charge - Bonus payments - Consultation on delinquency - Sending of notification letters - Transaction suspension for delinquents |
- Sending of delinquency information to other institutions - Frees settlement to collection agencies - Deliberation on loan loss write-off - Confirmation of loan loss write-off - Inclusion of special debt - Investigation of Special Debt |
- Temporary transaction suspensions - Registration/investigation /change of status codes - Management of status codes of individuals/businesses - Restrictions on installments/revolving benefits - Lifting of bad credit rating by the KFB |
|---|---|---|---|
| Special Advantages |
- Distinct responses to debtors by type - Identification of the tendencies of members with information on ratings - Information provision to determine the possibility of NPL - Classification of status codes(good, doubtful, transaction suspension) |
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