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| C3 Product Suite |
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| C-Manager - Program Management |
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| C-Manager is responsible for administrating the operational cycle of a card program. It defines the card program limits; assigns sales channels to specific cards; enters sales channel (distributor/reseller/retail merchant) information; sets commission rates on service (cardholder) fees; sets program parameters, such as operational rules; defines sales policies; establishes fraud parameters, such as funding and usage rules; and identifies alert criteria, such as card/account balance or fraud hits. By enabling the independent configuration of such parameters, C-Manager enables tailored products and services can be quickly and easily launched. |
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| C-Agent - Customer Service Module |
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| C-Agent allows CSRs to perform miscellaneous queries on card profiles, transactions, card status, register cards, link/unlink cards, and other admin functions. The easy to use C-Agent module delivers service to your cardholders and provides a complete log of customer interactions and activity reporting. |
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| C-Holder - Cardholder Account Management |
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| The C-Holder module provides a separate website for cardholder access. Cardholders can enter their card information (individual or family card accounts), add funds through their bank account, pay bills, perform card-to-card transfers, schedule recurring transfers, retrieve transaction details, print statements, set notification parameters, and receive messages from card program owners or the issuing financial organization. |
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| C-Pay – Online Bill Payment |
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C-Pay is a flexible and scalable electronic payment solution that allows you to augment the services you offer cardholders without any significant new investment or development of enhanced IT infrastructures. C-Pay allows quick, easy and secure online bill payment using a stored value card. C-Pay reduces cardholder turnover, adds a significant revenue opportunity and offers a cost-effective way of extending card holder services.
Adding C-Pay enhances the "stickiness" of the stored value card, creates cross-selling and up-selling opportunities and benefits both program managers and their cardholders. It also offers card holders extra buying power and payment options and attracts and retains new card holders. Online bill payment users are more loyal, less costly to serve, and form deeper relationships with their program managers. |
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| C-Envoy - Campaign Manager |
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C-Envoy is a multi channel marketing suite that enables you to plan and execute, multiple channel marketing campaigns, using any combination of voice, email, fax, SMS and web. C-Envoy gives you the ability to reach cardholders with a personalized interactive message or to simply notify an existing card holder base, of new products or services offered.
With efficient management of messaging frequency and communication strategies, card holders will receive relevant and timely messaging. Targeting the right customer at the right time with the right offer means significantly higher Return on Marketing Investment and measurable bottom-line results for your business.
C-Envoy helps you send clear and compelling business communications to build customer loyalty reduce costs and increase revenues. From welcome calls to retention programs, customer support and payment reminders, Envoy makes new modes of communication available to companies that need to reduce costs and improve card holder relationships. |
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| C-Touch - IVR |
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| Interactive Voice Response (IVR) system is the most used service delivery channel in the stored value industry. Cardholders are familiar with and comfortable using IVR systems. It is also one of the most economical ways of providing customer service.
C-Touch, our state of the art, multilingual IVR system, offers the most comprehensive transaction set in the industry. Furthermore its robust voice recognition capability makes it easy to interact with the system. Using C-Touch cardholders can carry out all functions available on the cardholder website including account information, transfers, buddy list management and access to a number of value added services.
C-Touch also enables clients to autonomously change the welcome greeting and up to three announcement messages played when cardholders call the IVR for customer service. C-Touch administrators can access the system via a telephone and record, edit and/or re-record messages. C-Touch gives the flexibility required to quickly deploy any messages or announcements without incurring the traditional risks associated with costly deployments.
C-Touch can play a variety of interesting announcements until an agent is available to take their call. These messages can provide product information, promote services or educate callers about the company. Messages can be scheduled to play on certain dates for holidays and events. C-Touch can also be used to prompt callers to have information available before talking to a live agent (card numbers, account information, etc.) and helps prepare the caller, speeds up call processing and occupies the caller while they wait on-hold. |
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| C-Channel - Sales Channel Management |
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| Managing multi-tiered sales channels and tracking commissions are two of the most daunting tasks associated with card program management. C3’s sales channel modules provide extremely flexible and comprehensive tools to define complete commission structures for each card program. |
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Channel Pro |
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Channel Pro is a flexible and fully integrated commission calculation and sales management solution. By maximizing automation and minimizing manual activity, program managers can design, manage and automate the calculation of variable payment and commission plans. Stakeholders, services and rates are identified in a tree hierarchy and this information becomes the sales policy for the program, which can be modified or duplicated for similar card programs. Any number of stakeholders, in any hierarchy, can be added to any sales policy. Once defined, each stakeholder is given secure access to sales information and commission details based on their user role. By delivering accurate and timely commission data, Channel Pro boosts productivity, accelerates payroll calculations, improves sales morale and trust, and reduces costs and associated labor. |
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Channel Matrix |
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Channel Matrix is a simpler but less flexible option than Channel Pro. Matrix has two dimensions; a level in the chain and a stakeholder category. At the intersection of these two values, the commission for any service provided is defined. The size of the matrix and the number of levels are configurable. The Matrix is only defined once for the entire program. However, a card program that uses Channel Matrix can have only one matrix attached to it. Conditions can be set under which stakeholders can move from one category to another. For example the CPM may want to move stakeholders with over 5000 cards to gold category from silver. Stakeholders can also pay their way to a higher status. Channel Matrix is particularly effective for multi-level marketing schemes. |
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| C-Trust - Fraud Detection and Management Suite |
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| C3’s Fraud Protection Suite enables you to be notified of suspicious activity on your cardholder’s accounts, or to reject transactions based on volume and dollar thresholds. C-Trust’s numerous and effective customizable fraud filters identify and track suspicious transactions. C-Trust excels in identifying potentially fraudulent card transactions before they impact your cardholder and your business. Balancing fraud prevention and card transaction revenues is a precarious and laborious task for any business to manage. |
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| C-Intello - Reporting and Analytics |
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As a program manager you must evaluate the performance of your prepaid card portfolios, so you can strengthen your business model, and improve your cardholders’ experiences. To effectively do so, you need current and relevant statistical data – information that has simply not been available to date–as well as the analytical capabilities to form timely and meaningful comparisons.
C-Intello provides real-time queries and reports that provide precise and accurate recordkeeping and historical data. The web-based reporting module provides access to a variety of reports, including transaction details, card account and commission details, cardholder activity, reconciliation, potential fraud, fee history, funding and card program parameters. Reports can be scheduled to run at a predefined time and can be generated in a number of formats, including PDF, XML, Excel, Word, CSV, HTLM, and Java. Inquiry tools provide the flexibility to search for specific information or filter data based on the selection criteria entered.
C-Intello using a web-based dashboard, manages transaction activity data from across the card program. Using graphical indicators and charts to facilitate at-a-glance business monitoring, and reporting of real-time KPIs, users can perform in-depth analysis of business performance. The Dashboard provides a full set of visualization tools for report viewing and creation, ad-hoc query and analysis, drilling, and broadcasting. C-Intello allows managers to compare real-time transactional data with historical performance and executives to manage their business with cross-functional and cross-departmental views. |
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| C-Port - Host API and Network Interfaces |
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| C3 Port was developed from past experience in the financial sector and is premised upon component-based open architecture, allowing interfaces with a wide range of contact points including networks, POS devices, ATMs, wireless and other emerging technologies. C-Port provides an interface which is used for accessing our applications or services from and makes it possible to use programs from within programs, therefore it is the foundation for our modular systems with clearly defined Interfaces between separate components. |
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| C-Merit - Rewards Module |
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C-Merit allows for definition of promotional campaigns and provides the ability for the calculation of rewards points based on a monetary value, frequency or recency of purchase transactions. Earned points can be redeemed as credits, discounts or merchandise at merchant locations or online. Calculation of rewards can be based on the value of a transaction, type of transaction, merchant category code (MCC) or other criteria. Rewards earned can be redeemed as credits, discounts or merchandise at merchant locations or online.
C-Merit helps strengthen card holder relationships, improves profit margins and drives incremental sales revenue. It also helps establish a competitive differentiation and promotes the use of specific products or services. |
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| C-Cart - Online Sales Module |
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C-Cart Online Sales Module achieves incremental sales growth and increased profitability by enabling you to sell stored value cards directly through a web based application, using a secure URL to safeguard personal information. C-Cart allows customers to purchase and load their cards online and enables you to manage the card inventory and online sales channels more effectively and efficiently. Save time, money and hassle selling through an established sales channel that provides proven marketing and payment processing technologies, innovative eCommerce platform and order fulfillment services.
C-Cart provides an optimal online marketplace presence. It creates better utilization of online marketing, advertising and promotion and supports higher margins, increased customer satisfaction, enhanced customer experience by offering many choices and options— any time, day or night and effective customer service and increased customer loyalty. C-Cart enables payments through credit cards, ACH or a bank DDA for the purchase and/or load of the card by the cardholder online. All purchase requests are immediately authenticated, verified before any new cards are issued. The card stock is warehoused in a secure location and fulfilled via a batch file generated by C-Cart. Cards are then personalized and mailed to the cardholder at their verified address from the fulfillment house. This functionality can be made available to you via C-Manager, the Program Management Module website and just like any other program; cards sold online are managed by the strict governance inherent in this module. |
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