Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.
 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International
 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).

 1988 Vision21 was released for the private label card market by CCS International
 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data

Credit Decision Management (CDM) - Credit application processing and account opening

* Credit Management System (CMS) - Account credit processing module, which also handles debit and

prepaid card accounts.

* Collections Tracking Analysis (CTA) - Delinquent accounts collections and tracking module

* Account Services Management (ASM) - Customer services module

* Financial Authorisation System (FAS) - Financial transactions authorizations module

* Letters tracking System (LTS) - Letter generation module

* Security Sub System (SSC) - Common Routines System (formerly Security Sub-System)

* World Wide Security System (WSS) - User Access Management

* Interchange Tracking System (ITS) - Dispute tracking module

* Transaction Management System (TRAMS) - Front-end processor for batched transactions

* Merchant BankCard System (MBS) - Merchant acquiring system

* VisionPLUS Messaging eXchange (VMx) - XML messaging gateway to VisionPLUS

* Hierarchy Company System (HCS) – Supports commercial card products with deep hierarchies

* Loyalty Management System (LMS) - Managing of loyalty programs based on transactional activity and

account events

* EMV Scripting System (ESS) - Rules engine based EMV script management

* Key Management System (KMS) - Cryptography key management for magnetic and EMV chip cards

* Offer Management System (OMS) - Marketing Campaign management for account holders

CMS is the core module and plays an important part, as all account-related activities are posted in the CMS module.

VisionPLUS Software was introduced by Paysys International Inc. in 1996. In 2001, First Data Coroporation acquired Paysys and since then
VisionPLUS has been marke1981 PaySys International, founded as Credit Card Software, Inc., (CCS)

 1982 CCS shipped its first product, CardPac. Its main market was the bankcard industry (Visa and MasterCard transaction processing
only).
 1988 Vision21 was released for the private label card market by CCS International

 1991 VisionPLUS for both private label and bankcard market by CCS International

 1995 CCS changed its name to PaySys International, Inc.

 1998 VisionPLUS 2.5 was released by PaySys

 2000 VisionPLUS 8.0 was released

 2001 First Data acquires VisionPLUS from PaySys International [5]

 2006 VisionPLUS 8.01 was released by First Data

 2007 VisionPLUS 8.15 was released by First Data

 2008 VisionPLUS 8.17 was released by First Data

 2011 First Data lays off the majority of its U.S.-based VisionPLUS developers. Development and maintenance is sent offshore to Singapore
and India.

 2013 VisionPLUS 8.44 was released by First Data