MuRong Domestic Card Scheme System (DCSS) is a fundamental system for card scheme that integrates card issuance and card switch capabilities to promote omni-channel payments, enhance operational efficiency, and strengthen regulation.
The system effectively connects banks, PSPs, mobile-money operators, and other participating institutions, and provides a one-stop solution for card issuance, transaction switch, clearing & settlement, dispute handling, risk control, and value-added services.
On the basis of fully meeting the international standards such as EMV and lSO, the system also defines the national/regional specific standards, which can be used to rapidly construct the national/regional inter-bank payment and settlement infrastructure as a exchange center with complete variety products & comprehensive business functionalities for a wide range of participating financial institutions. The system can effectively support the convenient, stable and safe operation of payment business.
Features Capacities
Card Issuance
Physical card issuance
Virtual card issuance
Multi-tenant support
Standard
Comply with ISO & EMV standards
Follow PCI DSS guidelines
Risk Control
Real-time model Batch model
Risk & anti-fraud rules Audit trail
Dispute Handling
Dispute proposal
Dispute review
Dispute resolution
Omni-channel
Transactions
Omni-channel Transactions
POS, ATM & WEB
Mobile & USSD
Various of transaction types
Participant
Management
Participant Management
Banks
PSPs
MMOs
Other FIs
Clearing &
Settlement
Clearing & Settlement
Flexible fee configuration Automated settlement Instant settlement
Value Added
Services
Value Added Services
Points
Coupons
Campaign management
Our Product Features
PRODUCT FEATURES
Our
Product
Benefits
Promote Digital Payment
Support the use of diversified payment tools from multiple channels and promote digital payment to meet the needs of various social and economic activities.
Efficient Operation
MuRong DCSS provides the automated process which can improve the operation efficiency for system owner and participants.
Reduce Costs
The use of the advance architecture with open-source software can significantly reduce the infrastructure costs and the IT operation & maintenance costs. The easy and quick integration can also save the costs for participants.
Improve Efficiency of the Use of Social Capital
The high success rate of transactions and the quick & automated settlement can speed up the turnover of social capital which can promote the economic development.
Strengthen Regulatory
The transactions are process within the country and the data are kept in country which can strengthen the regulatory for payment & settlement to safeguard and defuse financial risks in the field of payment and maintain financial security.
Our Product Values
PRODUCT VALUES
Short Term Value
Strictly guard against systemic risks
Improve the universality and fairness of industry ecology
Reduce the uncertainty of financial innovation
Create the value of industry safety norms
Medium Term Value
Control corruption
Combating money laundering and other illegal acts
Realize stable benefit income Provide support for national finance
Long Term Value
Promote the construction of social credit system
Strengthening the efficiency of financial supervision
Provide data support for macro-control
Enhance financial precision service capability
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