Unlike the regular Card issuance, In the case of Instant Card Issuance, the ATM/Debit cards are pre-generated in Bulk "Branch-wise" (without the Customer Account and personal details) and the same dispatched to the respective branches.
The Instant Card issuance can be done in two forms:
1. Stand-alone Instant Card Issuance:
2. Web-based Instant Card Issuance
a. Stand-alone Instant Card Issuance
The following activities can be performed instantly from the branches:
i) New Card Issuance:
Whenever a customer needs to be issued a new card, one of the Pre-generated Cards (in order) is issued to them at the branch. Latter, based on the information provided by the branches, an Upload file (containing the Customers Account & Personal details, including the CARD Number Issued) are extracted from the Host database & uploaded into the Cardman database (centrally located). Link files are then generated and uploaded in the Switch database, after which the cards will be in Active state, i.e., the cards will be operational.
ii) Add-on Card
Whenever a customer needs to be issued an Add-on Card, one of the Pre-generated Cards (in order) is issued to them at the branch. Latter, based on the information provided by the branches, an Upload file (containing the Parent card's Card Number, Add-on Card Number, Customer-Id, etc.) will be prepared & uploaded into the Cardman database (centrally located). Link files are then generated and uploaded in the Switch database, after which the cards will be in Active state, i.e., the cards will be operational.
iii) Replacement Card (Damaged or Lost/Stolen)
Whenever a customer needs to be issued an Replacement Card (Either for Damaged card or Lost/Stolen Card), one of the Pre-generated Cards (in order) is issued to them at the branch. Latter, based on the information provided by the branches, an Upload file (containing the Current Card Number & New Card number) will be prepared & uploaded into the Cardman database (centrally located). Link files are then generated and uploaded in the Switch database, after which the Current Card becomes In-Active & the New card issued will be in Active state, i.e., the cards will be operational.
b. Web-based Instant Card Issuance
The Bank Branches can do the following activities by using the Web based Instant Card Issuance application
Web based application can be used from anywhere using a standard browser like Internet Explorer.
i) New Card issuance
The branch operator logs-in into the application and selects the "New Card issuance" option. The customer details like the Account(s) details and Personal details are then entered and submitted. These information needs to be verified /authorized by the Manager, after which the ATM/Debit card can be issued to the Customer.
Subsequently, the Link files are generated & uploaded in the Switch database, after which the Card becomes active.
ii) Add-on card Issuance
Whenever a customer request for an Add-on card, the operator will need to enter the Parent card's CARD NUMBER, Customer id, Encoding Name, Embossing name etc. in the web based application. (Up on confirmation, next available CARD NUMBER will be shown in the application).
The above entries need to be authorized by the Manager. Subsequently, the Link files are generated & uploaded in the Switch database, after which the Add-on Card becomes active.
iii) Replacement card issuance (for Damage card as well as Lost/Stolen card)
Replacement card can be issued to the customer from the Instant card stock. Replacement card can be issued to the customer whose card already marked as Lost / Stolen as well as for Damage cards.
To issue replacement cards:
- The old CARD NUMBER must be provided
- The application will do the validation
- Next available CARD NUMBER shall be displayed
- On completion, the action will wait for authorization
After authorization, new card can be issued to the customer. Once link file is generated, the card can be used.
iv) Linking / De-Linking of accounts
At branches, for a given CARD NUMBER, account can be linked / de-linked. The application will get the CARD NUMBER, Option ("Add Add-on Account" or "Delete Add-on Account").
In case of Linking of Accounts, the new Account type and Account number must be entered.
In case of De-Linking of Accounts, the list of available secondary accounts will be listed, from which the Account to be deleted needs to be selected. Upon confirmation, the activity will be updated in the database.
v) Unblocking of blocked cards (PIN Retry count - reset)
Whenever a customer exceeds the number of Pin entries in an ATM (wrong Pin entry), the card will be in 'blocked' state in the ATM Switch level. The PIN re-try count reset can be done using the web application at branch level, after which the card get unblocked (active state).
vi) Marking a card as blocked (Hot listing of card)
When customer reports Lost / stolen of his card at the branch (or at the call center) the card status will be changed at switch as well as in the StarCARDMAN application.
