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The
Solution :
Based
on Aspect's extensive background in enterprise level
authorization applications we have designed and developed
a single comprehensive answer to all of the typical
retailer's authorization requirements. Aspect’s
GlobalAuthorization application provides
the retailer with the ability to authorize many different
PoS tender types through a single application framework.
These tender types may include:
•
Gift Certificate / Merchandise Credit
• Refunds / Returns
• Check
• Credit (third party and in house cards)
• Employee discount
GlobalAuthorization
is the core system which allows implementation of a
variety of authorization application component features
designed to reduce fraudulent and invalid tender activity.
There is a wide range of authorization application components:
•
Gift Certificate provides interactive generation
of document issuance and real-time validation and
information for redemption.
•
Merchandise Credit captures the document issues
and provides for real-time validation of the Credit
documents as they are entered at the Point of Sale.
•
Customer Refunds and Returns will capture transactions
as they occur and provide analysis functions to track
usage and identify trends.
•
Employee Sales provides centralized tracking
of employee sales and discount amounts. Provides capabilities
to limit employee privileges.
•
Charge Card is an interactive authorization
system that will provide the communications switch
to send requests to and receive responses from all
major credit services and banks. Credit message reformatting
and tracking is integrated into the application.
•
Check Approval has the flexibility to either
validate checks from a centralized negative file provided
by any of the major services and/or to communicate
directly to a check authorization service provider.
Velocity and reasonability algorithms are performed
during approval.
•
House Card allows the user to either communicate
house card requests directly to a third party validation
and tracking service, or to process the requests directly
into their own internal house card authorization system.
The
GlobalAuthorization application is primarily
designed for use in a real-time, on-line configuration
where PoS authorization requests can be processed against
a central database, or in the case of third party charges,
routed from the retailer’s head office to a third
party network. However, Gift Certificate and/or Merchandise
Credit activity can be implemented in an off-line mode
in the event the retailer does not have an on-line network
in place.
Next:
Aspect Global AUTHORIZATION: Environment
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