CatCARD® is a complete Card Management for Modern Issuers: issue, manage, and monitor credit, debit, and prepaid cards from a single platform. Built for financial institutions running on IBM i with real-time banking core integration.

• Core Capabilities
  Everything you need to run a card program: From issuance to settlement, compliance to analytics — a complete ecosystem designed for institutions that need precision, control, and auditability.

• Card Lifecycle Management
  Issue, activate, block, renew, and replace cards across credit, debit, and prepaid products. Full BIN configuration, EMV profiles, and embossing queue management.

• Credit Account Engine
  Complete credit lifecycle with configurable APRs, statement generation, installment plans, interest calculation, delinquency tracking, and automated batch processing.

• Real-Time Payment Processing
  Three payment channels — transactions gateway (real-time), batch import, and manual — with automatic balance allocation across fees, interest, cash advances, and purchases.

• Multi-Currency Conversion
  Automatic FX conversion for foreign transactions with configurable sell rates, markup percentages, and foreign transaction fees. Supports 34 currencies with API and manual rate sources.

• OFAC/AML Compliance
  Automated OFAC SDN screening with fuzzy name matching, AML risk profiling, PEP flagging, alert management, and full audit trail. Auto-fetches from US Treasury.

• Transaction Analytics
  Real-time dashboards, fraud rule engine, MCC restrictions, reconciliation against banking core, and comprehensive reporting across all card operations.

Key Technical Features
 • Direct DB2 connection via JT400 — no middleware layer.
 • Configurable banking core field mapping — adapts to any schema.
 • ISO 8583 switch interface for authorization networks.
 • HSM integration for hardware-based PIN security.
 • Webhook API for real-time event notifications.
 • AES-256 encryption for card data at rest.
 • Role-based access with 31 granular permissions.
 • Complete audit trail on every operation.

The application is segmented in 41+ modules:

•  Card Operations
   BIN Configuration, Cardholders, Card Issuance, Card Transactions, Embossing Queue and Production, EMV Profiles, PIN Management, Card Inventory, Card Renewal, Virtual Cards, Private Label Cards.

•  Credit & Payments
   Credit Management, Payment Processing, Prepaid Management, Fee Configuration, Installment Plans, Statement Generation, Temp Limit Increase, Chargebacks.

•  Risk & Compliance
   OFAC/AML Screening, Fraud Rules Engine, MCC Restrictions, Disputes, Reconciliation, Audit Log.

•  Financial Services
   Multi-Currency, FX Rate Management, Loyalty & Rewards, Transaction Analytics, Clearing Management, Reports.

•  System Administration
   User Management, Role Templates, System Settings, Integrations, Batch Monitor, Notifications, Document Management, Data Import, Initial Setup.

Security & Compliance
Built for regulated environments; every design decision prioritizes security, auditability, and regulatory compliance.
 Data Protection
 • Card numbers encrypted with AES-256 (Fernet) at rest.
 • Passwords hashed with bcrypt.
 • SHA-256 card hashing for secure lookups.
 • Encryption key stored outside the application directory.
 Full Audit Trail
 • Every operation logged with user ID, timestamp, IP address, module, and action details.
 • Audit logs cannot be deleted through the interface.
 • Tracks 35+ event categories.
 OFAC Screening (Automated)
 • Auto-fetches SDN list from US Treasury.
 • Fuzzy name matching with configurable thresholds.
 • Auto-blocks confirmed matches and creates AML alerts.
 • Complete screening history.
 Access Control (31 Permissions)
 • Role-based access with 5 preset roles and 31 granular permissions.
 • Super user override.
 • User deactivation workflow with reason tracking.
 • Session management with JWT tokens.