CardSentry - An intelligent system designed to detect unusual activity based upon known patterns in an account or in transaction activity within a transaction.

• Built on industry standard fraud detection technology
• Enhanced with Neural Network Risk Scores from the Card Associations
• 7 X 24 Transaction Monitoring by experienced fraud analysts
• Rules-based technology based on transaction amounts, transaction velocity, geographical areas, merchant categories, and more
• Effective to combat counterfeits, lost/stolen, data base compromise
• Early contact with cardholders to validate transactions
• Immediate email notification to bank contacts regarding all attempts to contact cardholder and for review of transaction alerts
• Automated blocking to reduce exposure
• Complete audit trail of all actions taken on behalf of financial institution
• Vacation tables to validate unusal cardholder activity
• Alert tables to review compromised cards without re-issuing
• Letter Generator provides consistent and timely communication to cardholders

ATM Telecommunications Options

• TCP/IP to bank's network
• Frame relay
• Leased line

• Consumer card management options
• Spanish language support
• Selective surcharging
• Multi-point settlement of funds
• Real-time cash positions and hopper totals
• Real-time transaction reporting

• Automatic problem detection and tracking
• Automatic dispatching and service provider management
• Escalation and problem disclosure
• Report generation and distribution

• Cash Withdrawal
• Balance Inquiry
• Deposit
• Transfer
• Linked Account Access (Cardholders can access up to 5 Checking and 5 Savings accounts for withdrawals, inquiries, deposits, and transfers at ATMs that support multiple account access)

• Terminal Detail Report: Provides details of each transaction at each terminal sorted by transaction type or by terminal
• Institution Detail Report: Provides details of each cardholder transaction
• General Ledger Summary: Lists suggested general ledger entries based on the day's activity
• Clearings Statement Report: Provides the total debit, credit, and net settlement position
• Institution Transaction Volume: Recaps all transactions by transaction type and role
• Daily Adjustment Report: Lists all adjustments and chargebacks
• Exception Activity: Lists all suspect cardholder activity

• General Ledger Summary: Accumulates total debits and credits for monthly general ledger entries
• Institution Transaction Volume: Lists all cardholder activity by cardholder type for the month