CMS - The Product

The completely scaleable solution CMS is designed for retailers and private-label card processors who demand the leading edge. In the hands of managers with vision, credit management becomes a radically new way to make important corporate goals a reality. Credit Management Services, Inc. (CMS) offers those managers the means to make it all happen.

CMS is a comprehensive software and services system for multi-company, multi-portfolio credit card management in the high volume, rapidly changing world. CMS is a totally integrated system that can be installed in a modular fashion. This offers credit managers, particularly in specialty and department stores, new ways to achieve higher levels of customer service for their credit operation.

The concerns of retail executives are multi-faceted. Most share a pointed interest in increasing the services level of their operation while decreasing their costs. They are also very interested in increasing sales and finding new ways to create a competitive edge in a business environment that grows more complex every day. CMS speaks directly to all of these needs. If you want to improve sales to credit card holders, reduce overhead, better control your investment in accounts receivable, or raise customer service levels, CMS is the solution.

We understand the credit needs of retailers. Our staff is drawn from the retail credit environment. That means we have firsthand knowledge of changing industry dynamics. Consequently, we know how to meet the demands of the retail business regardless of the size of your operation.

We also know how to speak to your specific needs by customizing CMS software to your unique requirements. The CMS package comes with a special retail team assigned to assist you right from the start. Interactive video training brings operators to full system productivity within days and our support staff will keep you there.

CMS offers integrated features that impact your bottom line... and Satisfy your customers.

Let CMS help you make decisions to gain the competitive edge.

System Features

CMS is developed and supported by retail experts. The system is fully integrated to provide a synergy of information from the customer database, including:

Single Image Relational Database - for easy information retrieval management and flexibility without programming
Platform Independence - operate the same software on MVS, OS/390, or UNIX or concurrently across these platforms so that a single version of CMS source code can operate on the best available and most cost-effective platform.
High Volume Support - for minimal batch window and maximum on-line up-time
Real-Time Updates - and superior controls offer the best in customer service
Multi-level Security - with full audit trails
Multi-organization, multi-company - proven in third party processing environments
On-line Multi-threaded Credit Bureau Support - for high-volume access, no additional products to license
Integrated New Accounts Scoring - to support your existing and future models from any vendor, ensuring confident credit policy compliance
User Defined Transactions - with automatic off-set and suppression
Sales History and Promotional Tables - for true targeted marketing and SKU support
Behavioral and Adaptive Controls - user internal scoring engine or interface with other systems
POS, General Ledger, and 3rd Party Adaptive Control Interfaces - minimize integration costs
Integrated Run-to-Run and Balancing Controls - for 100% financial integrity and reliability
On-line HELP System - real-time updates for a true paperless environment
Interactive Video Training - for productive operators in minimum learning time
Full TestCase Tracking and Analysis system - for trouble-free initial implementation or validating new product offerings

System Modules

New Account Management - full application and credit bureau control using any scoring model type
Credit Authorization Processing - includes POS interface for automated add-on purchase control for rapid decisions while controlling risk
Automated Customer Service - tracks customer inquiries, processes worklists, and includes real-time financial and non-financial maintenance - immediately resolving customer calls
Collections - dynamic worklist and time-of-day scheduling, correspondance, autodialer interfaces, and recovery management for automating the entire collection process
Posting/Maintenance/Billing - designed to maximize on-line up-time providing full balancing and complete audit trails. Accomodates special purchase plans and promotions, and tracking down to the SKU and Customer level.
On-line HELP and Access Control - provide field-level controls and one-touch context sensitive, configurable HELP

Millennium

CMS, yes it is compliant with year 2000 processing and beyond so your business will not stop. CMS has all of the essential ingredients of a proven Credit Management Solution

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Credit Management Solutions (CMS)

System Features

System Modules

Millennium