Income Management

Income Management System allows EMerchants to restrict the use of a group of cards to a predetermined set of POS and ATM terminals, based on predefined criteria.

The system allows for two forms of restrictions:

• White list restrictions: allowing cards to be used only at a given list of terminals
• Black list restrictions: allowing cards to be used anywhere except a given list of terminals

Large

Restrictions Criteria Terminal ID (CATID) Card Acceptor ID (CAID – individual store) Merchant ID (grouping of CAID’s) Transaction ID (transaction codes) Terminal Group (grouping of terminals) Merchant Category Code

Terminal restrictions are used to facilitate a range of different client programs, including Loyalty and Gift Cards, Preferred Supplier Corporate Expense Solutions, School and University Cards (e.g. blocking liquor and gambling merchant categories).

An example of this process is, a retailer may wish to sell a Gift Card which can be used only at their chain of stores. EMerchants would gather the details of each of the clients’ POS terminals and create a terminal restrictions white list, ensuring the cards can only be used at the clients’ stores.

Similarly, for a Gift Card Program, which requires no access to cash, EMerchants would create a black list prohibiting ATM transactions and cash out at POS.