Issuers Smart Open
The platform centralizes and automates the operational, commercial, and accounting management of the card business for entities that outsource their processing.
It integrates in-house systems with processors, acquirers, and networks, standardizing critical circuits such as enrollments, settlements, promotions, card plastics, and accounting, operating as a card core that governs all information.
Unique Integrations HUB
Accounting
The Accounting module of Smart Open Anywhere centralizes the accounting management of the card business in a single, secure, and adaptable environment.
It allows configuring multiple accounting models (payments, adjustments, closures, settlements, among others) and processing transactions automatically or manually, with a unified parameterization scheme and a single chart of accounts.
It generates accounting entries into the core with concept validation, error control, and support for free entries. It also enables monthly reconciliation and full traceability of the accounting process.
Customers
The Customers module of Smart Open Anywhere comprehensively manages the cardholder’s information, their accounts, and linked products.
It offers a unified real-time view with data on cards, transactions, debt, blocks, loyalty programs, and statements.
It incorporates an extended inventory of operational and after-sales events, with imports for corporate accounts and historical record keeping.
Connected online with processors, it ensures accuracy, prevents duplication, and provides comprehensive management that unifies the experience and maximizes control.
Card Manufacturing and Distribution
The module of Smart Open Anywhere comprehensively manages the lifecycle of physical cards, from initial stock to final delivery to the customer.
It administers inventory, assignment, embossing at processors or distribution points, and detailed tracking with events such as vault entry, retrieval, destruction, or delivery.
It supports replacements, renewals, and upgrades, maintaining operational parameters adaptable to each entity, with full availability, traceability, and control throughout the process.
Promotions
The Promotions module of Smart Open Anywhere centralizes the creation, management, and operation of promotional campaigns, whether for discounts or points redemption.
It enables enrollments, definition of commercial conditions, benefit configuration, and submission to processors for validation. It includes an approval workflow, mandatory forms issuance, and automatic updates.
It integrates with proprietary promotional portals, allowing direct consultation and redemption, with flexible customization that ensures consistency and traceability in each campaign.
Monetary Module
The Monetary module of Smart Open Anywhere centralizes the management of payments, adjustments, and direct debit, ensuring accuracy, agility, and traceability in the financial operations of the card ecosystem.
It allows capturing collections from external networks, processors, or bill payment collectors, registering the method of entry, and calculating the customer’s daily position.
It includes complete logic for direct debit and interbank debit, with handling of intent, recycling, and automatic results.
It also manages accounting adjustments, through manual or batch input, validations, and classification by type. All movements are integrated into the debt calculation and generate the corresponding accounting entries.
API Layer
The API Layer of Smart Open Anywhere allows agile, secure, and standardized integration of the bank’s internal systems—such as core banking, CRM, accounting, and more—with the card core and with external services like processors, couriers, acquirers, and other providers.
It enables fluid communication between platforms, accelerating process automation, real-time data exchange, and interoperability with the entire ecosystem.
With version support, access control, and structured documentation, this layer provides a scalable, flexible, and secure infrastructure ready to support any digital growth strategy.
Scheduler
The Scheduler module of Smart Open Anywhere automates the execution of batch processes, scheduling critical tasks with full flexibility, control, and operational security.
Through a centralized console, users can schedule, monitor, and adjust the execution of each process in real time, including closures, interfaces, reconciliations, and report generation.
It is compatible with external schedulers such as Control-M, adapting to any distributed execution scheme within the bank’s technology environment.
Data Extractor
The Data Extractor module of Smart Open Anywhere enables generating custom queries and obtaining operational information in Excel format, quickly and dynamically.
Users can design their own extraction criteria, either in interactive mode or via scheduled batch processes, automating periodic reports as needed.
The tool provides access to key data for analysis, control, or monitoring without relying on technical developments.
Actions
The Actions module of Smart Open Anywhere automates critical card business processes such as cancellations, blocks, delinquency management, and claims handling, ensuring control, traceability, and operational efficiency.
Actions can be managed from the front-end, via web services, or through mass processes, including a centralized inventory that allows auditing each request in detail.
A key tool to reduce operational load, apply business rules, and accelerate response times in daily management.
Comercios
Ofrecemos una solución integral para la gestión de comercios, asegurando una administración eficiente y transparente de sus operaciones. Facilitamos el circuito de alta de comercios, agilizando la incorporación de nuevos negocios al ecosistema de pagos.
Por otra parte, optimizamos los procesos de liquidaciones y acreditaciones, garantizando tiempos de pago rápidos y precisos. Nuestra plataforma también soporta bimonetariedad, permitiendo la gestión de liquidaciones en múltiples divisas con total trazabilidad. Con Team Quality, los comercios acceden a un sistema robusto, seguro y flexible, diseñado para potenciar su crecimiento en el ecosistema financiero
