Payments card processing
In order to compete effectively in the global payments market, financial institutions require scalable, reliable and agile payment systems. The high-tech and innovative processing center ArsenalPay is certified by international payment systems, meets the requirements and security rules set by payment systems to processing services and provides a full range of services in the field of information and technological provision of non-cash payments using bank payment cards of international payment systems VISA International, MasterCard Worldwide and Mir.
ArsenalPay products allow banks to deliver traditional and innovative payment services with greater efficiency and at lower cost, thereby improving their competitive position in the market:
- processing of transactions and provision of settlement information on transactions performed on bank cards in the bank's acquiring network
- providing acquiring services to merchants - customers of your bank, on behalf of your bank using a white label payment page. The contract with merchant is concluded only by your bank, bank also performs money transfer with merchants.
- maintenance of the authorization database and the routing of authorization requests
- simultaneous connection to several acquiring banks with transaction routing
- storing of bank card data according to the requirements of the PCI DSS for auto payments, one-click payments, etc.
- performing transactions with or without 3D Secure
- branding of payment pages and widgets
- API for mobile applications
- anti-fraud, flexible system of limitation and filtration
- personal account for transactional control and execution of refunds on cards
- banks connected to the processing center ArsenalPay are given the opportunity to accept payments by bank cards in favor of mobile network operators, the Internet and TV providers, utilities and other merchants
- accepting payments at ATMs, POS-terminals, in the Internet bank and in a mobile bank
- Investigation of disputed and erroneous transactions involving the use of cards and settlement of requests of payers
- technological support of bank devices
Online credit scoring
Usually banks and financial companies do not have enough time for long-term and complex checks of borrowers. In this case, banks rarely check the data through the tax service, because verbally such information is not provided, and the written response too long to wait. There is a quick automatic check - online scoring. Scoring is most convenient when issuing small express loans by banks and microfinance organizations, where time is extremely important.
Scoring is a mathematical model for evaluating a potential borrower. The system for determining the potential creditworthiness of a client based on data obtained from various sources, both public and private. All the received data, the scoring program analyzes, summarizes and makes the decision in real time on the possibility of issuing a loan.
There is no single approach to assessing borrowers, in our case the following data and algorithms are used:
- first of all, the customer's credit history is analyzed
- passport data are checked and the data of the court bailiffs service and the tax service
- the deductions to the tax service and to the pension fund are checked
- collection and evaluation of personal data such as age of the client, marital status, availability of children, residence permit, work experience, position, education, availability of own real estate or auto, monthly income, income-expenditure ratio, applicant's sex
- to establish a credit limit for the applicant determines whether it is possible to change the financial position of the borrower in the process of paying a loan
- it is determined whether the potential borrower is committing fraudulent actions when submitting an application, forgery of data, overstatement of real income, etc.
- It is analysed the profile of the applicant in social networks Vkontakte, Odnoklassniki or Facebook (the coincidence of the data stated in the questionnaire and those indicated in the social network, the analysis of friends, whether there are friends among debtors, groups, how long the page was created, the citizen's place of residence, the geolocation of his photos)
Building a scoring model is a serious project for any company. With our help, you can be guaranteed to get an effective scoring model for solving your problems.
