The ApPello Bank Card (ABC) system automates the administrative, settlement and accounting processes related to the Bank's electronic cards. The ABC enables the overall handling of the Bank's own (Visa/ECMC) card transactions with the help of Giro Bankcard Rt (GBC).

The management system performs all tasks related to bankcards and is also capable of the settlement of transactions performed by both currency and forint cards in different currency types. The system converts the amount and books according to the Bank's currency exchange rates. The card system is capable of matching transaction hold generated by card payments with payments made to these, meaning that it automatically makes the coverage separation of holds expired and always settles the actual amount with the client.

The ApPello Bank Card System communicates with the Bank's integrated account keeping system, the GBC BASE24 system and the EP system sending VISA settlements through interfaces. The ABC system is supplemented with Charge card, Credit card and Széchenyi card handling modules.

Summary of ABC system functionality:

• Register of bankcard data by card type (VISA, ECMC...) or (branches, employee/private/corporate/VIP...)
• Register of cardholders' data (not all cardholders have an account at the Bank)
• Register of coverage account data (account-client matching)

Performing card operations:

• Ordering new card or partner card
• Automatic card expiry and card renewal
• Substitute card order if it is damaged
• PIN code regeneration
• Coverage separation from the current account for card usage
• Maintenance of card limits
• Card disable, suspension
• Communication with GBC and VISA
• Matching, transaction hold and booking of card transactions and holds
• Fee debit of card operations. The system debits fees based on keys set by card and operation types.
• Archiving of card transactions. Authorisation log and debited transactions are archived separately.
• Calculation and debit of commissions (issuers, aquaire). Commission calculation - similar to fees - is done based on keys set by card types.
• GL Booking based on parameterised accounting keys.
• Handling of SMS commissions, archiving of SMS messages and debiting fees.
• Preparation of statistics and lists for the bank and VISA.