CUP (Comprehensive Card Payment System)
CUP (Comprehensive Card Payment System)
In today’s world, with the expansion of electronic banking, the increasing number of non-face-to-face banking services, and the diversity of payment tools, powerful, reliable, fast, and highly stable banking systems that can support various communication standards are essential for banks and financial institutions.
The CUP system by Pooya Company, developed with decades of experience in designing and producing banking systems, and relying on the knowledge and expertise of domestic experts, is a comprehensive response to the needs of modern banking.
This system, equipped with necessary features and subsystems for both issuing and acquiring, such as instant card issuance, user management (UMS), payment switch, reporting and form system, credit card, forex card, and many other capabilities, as well as the ability to communicate with existing systems and devices in the payment ecosystem through various common methods such as: ISO8583, NDC, Web service, and specially developed methods, provides a complete set of services for banks and financial institutions. Currently, various parts of this product are used continuously in Refah Bank, Melli Bank, Maskan Bank, and the Iranian Foreign Exchange and Gold Exchange Center.
The CUP system by Pooya Company, with the capability to provide continuous services around the clock and throughout the week, is recognized as a leading product in meeting the needs of the country’s banking industry.
This product has the following capabilities:
- Providing all card services, including issuing bank cards and similar ones (debit cards, gift cards, vouchers, and credit cards), issuing replacement cards, renewing cards, etc.
- Offering the use and management of dynamic second passwords through all existing methods, including token generators, receiving dynamic second passwords via USSD, SMS dynamic second passwords for customers without needing to visit branches, through ATMs, kiosks, and also on internet banking and mobile banking platforms
- Online connection to the electronic badge center system (MANA)
- Connection to the Fanavaran Hub system
- Connection to the Shetab network
- Online connection to the customer discrepancy resolution system (Soroush)
- Online connection to the MAKNA system for credit scoring of credit card customers
- Online connection to the Sayad system and providing Sayadi check services on ATMs and kiosks
- Online connection to the Shahkar center for SIM card holder identity verification
- Adhering to all data security protocols using encryption devices (HSM)
- Capability to provide and expand required services in the shortest possible time due to the native technology
- System stability at high TPS
- Modular system while maintaining integration, allowing the use of separate parts
- Efficient management of end-of-day branch operations centrally without interrupting online services
- Managing the production and preparation of end-of-day report files for submission to the Shetab center fully automated
- Full compatibility with Oracle database
- Customer account management through direct account maintenance and connection to Core Banking systems