Card Management System

A Card Management System (CMS) is the central platform that defines, issues and controls card‑based products across their lifecycle. Alliance Network CMS manages product configuration, customer profiles, limits, billing, transaction posting and tokenization for debit, credit, prepaid and co‑branded cards.

Core Capabilites

Product configuration and lifecycle management for multiple card types.
Account and ledger management with real‑time posting and reconciliations.
Authorization decisioning integration and transaction routing.
Tokenization, PAN management and secure key lifecycle support.
Limits, rules and risk‑based controls (velocity, geofencing, merchant category).
Customer servicing tools: card controls, PIN management, hot/cold status, dispute intake.
APIs for issuer portals, mobile banking, wallets and third‑party integrations.
Audit trails, role‑based access and compliance reporting.

Business Benefits

Rapid product launches and flexible pricing without core replacement.
Reduced operational errors through automated posting and reconciliation.
Stronger fraud prevention with centralized rule engines and tokenization.
Improved customer experience via self ‑ service controls and instant provisioning.
Consolidated view of card portfolios for better profitability and risk decisions.

System That Works For You

Seamless integration with adjacent systems for managing payment complexities. Through which you can activate, manage, replace or deactivate expired cards instantly and monitor customer details and reports

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Powerful Card Management Tools at Your Fingertips!

Security protocols, such as encryption and multi-factor authentication to protect cardholder data

Reporting tools that analyze transaction trends and flag suspicious activities for fraud prevention.

Typical Integration

Card Transaction Processing Platform for authorization, clearing and settlement.
Issuance and personalization systems for physical and virtual card creation.
Loyalty engines for points accrual and redemption.
eKYC and CRM for onboarding and entitlement.

Deployment and Security Notes

Can be deployed on‑premises, cloud or hybrid with high‑availability clustering.
Can be deployed on‑premises, cloud or hybrid with high‑availability clustering.
Implements PCI DSS, ISO 8583 interfaces
Implements PCI DSS, ISO 8583 interfaces
Supports audit logging, role segregation and configurable data residency controls.
Supports audit logging, role segregation and configurable data residency controls.