VisionPLUS

By Karoline Potye
What is VisionPLUS?
Vision PLUS is a financial software from First Data Corporation.

Originally developed by Paysys Research and Development

Group, this application is mainly used for processing
of credit card transactions by multinational banks and
transaction processing companies.
Several banks and financial institutions use this application of
software to store and process credit card, card
debit, prepaid, closed accounts, and loans, and for
process financial transactions (Visa, Mastercard, American)
Express, Europay, private label transactions) against these
bills.
The approximate estimate of the number of cards processed in
different versions of this application software around the world are
360 million.
What is it?
VisionPLUS? Multi-Product Solution

VisionPLUS offers institutions

financial flexibility to configure your
own resources and functionalities of
product.

It is a family of software products

completely integrated.
VisionPLUS Objective
VisionPLUS has excellent processing capabilities. Customer
Service (ASM)
VisionPLUS
in batch that increases speed and efficiency. Your system Messaging
System (VMx)
Disputes (ITS)

single pass master file guarantees windows of

timely processing while updating all accounts
Worldwide
Collections
Security System
(CTA)
(WSS)

every night. This means a drastic increase in

productivity of personnel in credit operations and
data processing. Security Sub
System (SSC)
Letter
Generation
(LTS)

With VisionPLUS, everyone in the information 'loop' has access. Accounting

Billing
to real-time data. The credit operations staff (CMS)

You will be aware of any change in the account status accordingly. Key
Management
Merchant
Acquiring
System (KMS) (MBS)

that it happens, irrespective of whether the change is made

Through customer service, collections, or authorizations.
Loyalty
Online and real-time information, such as history of Management
System (LMS)
New Accounts
(CDM)

customers, purchasing patterns, and a wide range of data

demographic and behavioral, mean that you can
Hierarchy Transaction
Company Management
System (HCS) (TRAMS)

proactively respond to the market and gain the critical advantage

Authorizations
(FAS)

about your competition.

Information in VisionPLUS
As VisionPLUS shares information between all applications,
the credit management team gets the "overall picture" in
instead of isolated bits and pieces of data. You can analyze the
customer buying trends, respond quickly to efforts
from the merchandising group to increase sales and transform your
credit management operation in a merchandising tool
highly profitable.
VisionPLUS provides the necessary information tools to
increase customer satisfaction and facilitate repeat sales. The
customer service is essential for customer loyalty and improvement
image of your company after the sale. With access to information from
real-time card headlines in a paperless environment, the
representatives can offer the quality service that their clients
they hope and deserve.

All aspects of your credit organization, from new accounts to

customer billing, from authorizations to collections, from management to
customer service, need reliable, accessible information,
updated and centralized - information available through the
VisionPLUS applications.
Product Variations

VisionPLUS 2.xx

VisionPLUS 2.xx
VisionPLUS 8.xx
VisionPLUS 10.xx Z

VisionPLUS 8.xx
VisionPLUS 10.xx
VisonPLUS Modules
 MDL

The Credit Decision Management System (MDL) is the new

account module. This online system is designed to handle
with the credit approval process from the point of
request up to the point of approval or rejection. The applications
are carried out through processing stages that
they clarify the subscription process and can be categorized
are treated according to the parameters defined by your

Modules
company. Although the entire process can be automated, the
human intervention can occur at any point of
process, the choice is yours.

VisonPLUS CMS

The Credit Management System (CMS) is the accounts system

to receive that works as the heart of VisionPLUS. The CMS
contains demographic, financial, and historical information
of each account. Other modules of VisionPLUS that need
you obtain this information from the CMS, eliminating the
record duplication. The CMS also contains parameters
user-defined for interest, revenue, insurance,
payment and account processing.
ASM
 ASM

The Account Service Management system (ASM) is the

online customer service module in real time.
ASM enhances its ability to provide service
superior to the customer using action codes defined by
user to execute requests generated by the client, such as

Modules
interest rate adjustments, address changes, and disputes.

FAS

VisonPLUS The Financial Authorization System (SAF) is the module of

authorization 24 hours a day, 7 days a week. The FAS
processes retail authorizations, Visa, MasterCard and Europay
based on processing parameters defined by
user. Permissions can be approved, denied or
forwarded. The FAS also provides reversals of
authorization, listing and updates of card recovery
and recoveries of delayed events/notifications.
 TRAMS

The Transaction Management System (TRAMS) is the processor

front-end VisionPLUS. The TRAMS accepts various types of
transaction and prepares them for any destination, consolidating
several application front-ends in a single system of
entry. The TRAMS also provides comprehensive resources for
work tracking, settlement, storage,

Modules reports, rejection and online handling of rejection and suspense.

MBS

VisonPLUS The Merchant Bankcard System (MBS) is the acquiring system

of the merchant. The MBS provides support for processing of
bank cards and retail merchants, providing a
efficient way to liquidate funds and charge the fees of
trader for the services provided. The MBS offers
discount, participation, reserve financing and
volume bonus processing, along with
relatórios abrangentes de atividades.
 LTS

The Letter System (LTS) is the module that can be used to

create and issue letters for up to five different PaySys products.
The letter variables of these different modules can be
incorporated into generic letters to produce letters
personalized for individual clients. The letters can be
impressed in real time or in batch processing.

Modules ITS

VisonPLUS The InterchangeTracking System (ITS) is the module of

monitoring and processing of disputes. The ITS was
designed to process incoming refund transactions
exit for Visa, MasterCard, as well as some associations
regional, such as Europay (only for Eurocard-MasterCard)
the Australian Bankcard. O ITS controls many
user-defined parameters, such as time limits
to keep your company compliant with the different
associations. Refunds are "processed" through queues
based on criteria that you define by creating a flow of
customized and organized work.
 CTA

The CTA module (Collections, Tracking, and Analysis) was

Modules designed to categorize and handle accounts that need

special treatment. Although the system was designed
mainly to deal with overdue accounts, it can be

VisionPLUS
used to track and analyze other groups of accounts that
may or may not need real treatment. These groups
can include VIPs, lost or stolen cards, accounts with
excessive limits and cases of bankruptcy. The CTA offers strategies
of flexible collection based on how your company defines the
parameter registration control.