More revenue-generating opportunities for banks with the new Atos Origin card debit concept

Atos Worldline, an Atos Origin Company, announces that it has developed processing facilities for various new card products, through the combination of “debit acceptance at the point of sale” and “credit functionality for the cardholder”. Card-issuing institutions can take customers’ needs into account on an individual basis and expand their business scope and revenue-generating opportunities.

With new high value debit product solutions, card-issuing institutions can now increase the attractiveness of their products for the cardholder along with their opportunities to create added value.

The new product solution developed by Atos Worldline combines the advantages of the “brand” (high level of distribution and acceptance across Germany; low processing costs for debit acceptance points of sale) with the “payment means for the customer” and his individual payment needs (longer payment period, revolving credit, instalment credit with the card, daily or monthly debiting of the current account).

In addition, debit payment means, for which credit brands such as VISA or MasterCard ensure broad international acceptance, thus minimising the risk and costs for the cardholder.

Customers’ current accounts can be replaced by a card account managed by Atos Worldline, which is coupled with all the functions of a credit card. Even in cases where the customer has previously severed his connection to the “old” main bank by cancelling his current account, the institution can now leave the customer a debit card and line of credit and thus maintain the existing business relationship.

High value debit products are also a good means of developing new customer groups. In cases where the customer currently has an account with an institution other than that of the card issuer, the institution can act together with a cobranding partner and develop new customer potential as well as sell credit via the traditional debit products.

With Atos Worldline’s new instalment credit functionality, card-issuing institutions can also take advantage of high value debit products with revolving credit or instalment credit to develop their revenue with regard to business companies, if the latter only accept ec-/Maestro, but not credit cards.

Atos Worldline, an Atos Origin Company, announces that it has developed processing facilities for various new card products, through the combination of “debit acceptance at the point of sale” and “credit functionality for the cardholder”. Card-issuing institutions can take customers’ needs into account on an individual basis and expand their business scope and revenue-generating opportunities.

With new high value debit product solutions, card-issuing institutions can now increase the attractiveness of their products for the cardholder along with their opportunities to create added value.

The new product solution developed by Atos Worldline combines the advantages of the “brand” (high level of distribution and acceptance across Germany; low processing costs for debit acceptance points of sale) with the “payment means for the customer” and his individual payment needs (longer payment period, revolving credit, instalment credit with the card, daily or monthly debiting of the current account).

In addition, debit payment means, for which credit brands such as VISA or MasterCard ensure broad international acceptance, thus minimising the risk and costs for the cardholder.

Customers’ current accounts can be replaced by a card account managed by Atos Worldline, which is coupled with all the functions of a credit card. Even in cases where the customer has previously severed his connection to the “old” main bank by cancelling his current account, the institution can now leave the customer a debit card and line of credit and thus maintain the existing business relationship.

High value debit products are also a good means of developing new customer groups. In cases where the customer currently has an account with an institution other than that of the card issuer, the institution can act together with a cobranding partner and develop new customer potential as well as sell credit via the traditional debit products.

With Atos Worldline’s new instalment credit functionality, card-issuing institutions can also take advantage of high value debit products with revolving credit or instalment credit to develop their revenue with regard to business companies, if the latter only accept ec-/Maestro, but not credit cards.