SCI's web-based application delivers a user friendly GUI and system wizard that allows users to configure their stored value debit payment programs to meet an unlimited range of uniquely, diverse program and product needs. The foundation is a powerful multi-account-based system that leverages the EFT Switch to link good funding accounts with multi-purse mechanisms into a super stored value payment channel.

Among its many features, SCIs interface provides:

• Account and card information linking to a single database that embeds with transaction authorization engine to deliver account transactions, ATM / POS transactions, Payment transactions, ACH transactions, financial services, and sophisticated back-end web servicing: all on a single, consolidated platform.
  
  
• A comprehensive financial transaction exchange platform that is capable of accepting and initiating ATM, PIN debit, Signature debit, ACH, wire transfers, pay-anyone-bill, PIN-less EFT debit and credit, account and card funding, personal lending, and person-to-person payment types.
  
  
• A consolidated data warehouse between accounts and cards that provides total management flexibility with program customization features, cardholder profiles, multi-account relationships, multi-purse cards, banking transactions, card transactions, wireless device integration, web capabilities, reporting automation, and fee accounting.
  
  
• A fully integrated web-accessed utility program that includes data import/export, middleware management, and message routing for financial institutions, partners, employers, merchants, and cardholders.
  
  
• A sophisticated ACH engine and wire transfer capability that delivers an automated electronic fund transfer payment mechanism between banks and cardholders that allow a financial institution to retain funds in the institution without making any changes to its internal systems or processes.
  
  
• And so much more…