Loyalty Central
End to End Loyalty Solution
Phoenix Technology is a Software Technology and Services Company with a "gateway" Patent and end-to-end Rewards Management System. Phoenix Technology licenses its rewards products and business process patent to companies that are currently processing on any platform or are planning to migrate to smart chip solutions, including banks, retailers, OEMs, ISOs, system integrators and CRM systems. By establishing business continuity across physical, mobile and virtual commerce, Phoenix Technology is revolutionizing the loyalty industry with real-time click-and-mortar rewards programs.
Phoenix Technology end-to-end Loyalty Program Management System offers powerful, personalized, one-to-one marketing tools to identify and engage your best customers.
Features and Benefits
e-llegiance™
e-llegiance™ provides a common platform for loyalty and payment integration through its smart chip applet for smart cards, smart chip-enabled devices and Point-of-Sale (POS) application software. e-llegiance™ is a rule-based engine that can be integrated with any POS terminal payment software, or any other application, such as transportation, gaming, access, security, or telecommunications, allowing the dynamic awarding and instant redemption of custom designed consumer incentives. Loyalty programs can be designed for a single merchant or a merchant coalition and can award any type of points, currency, or discounts.
The On-Card Database allows programs to be added dynamically, and assures that only the minimum amount of allocated card memory is used. This structure allows any number of loyalty programs to be carried on the card, limited only by the amount of memory in the chip.
- Flexible, rule-based loyalty engine
- Integrates with POS payment software
- Tender Independent – cash, check, magnetic-stripe cards, smart cards
- Any customer identification device
- Merchant coalitions or individual clients
- Automatic download of new programs to POS terminals
- Delivers transactions to Loyalty Central™ via payment switch, Internet, telecom or any wireless technology
- Dynamic awards and redemptions
- On-Card Database allows program to be added dynamically
- Number of programs restricted only by amount of memory on chip
- Not limited by initial load size
- Runs on Loyalty Central™ to support nonsmart transactions
- Interoperability through Global Platform, MULTOS, and EMV compliance
- INTERNATIONALIZATION based on any currency, multiple language support, selectable by Cardholder, Merchant, or Program Manager
Loyalty Central TM
Loyalty Central™ software and back office operations provide complete loyalty program management, transaction processing, accounting services, and redemption and fulfillment services.
Phoenix's backend loyalty processing system is the loyalty-clearing engine just as ACH is the payments engine for payments clearing. Loyalty Central™ is Phoenix's integration of the back-office software, data and methodology used to provide loyalty program management services.
It is a flexible, parameter driven platform that provides consumer and merchant account management, general accounting, settlement and disbursement. It is in essence, the transaction processing system and database repository for multiple loyalty applications. Phoenix can host Loyalty Central™ computer processing or clients can license the software to run in their own facility.
The Loyalty Central™ database represents a powerful repository of data collected at the point of service. As volume grows, the database will become a key source of valuable information for merchants and consumers. With emphasis on continuous availability, the system is designed to run 24x7, fully fault-tolerant, with automatic fail-over to backup systems in the case of hardware or software failure. It is designed to be fully scalable to any magnitude of processing power required and can host many clients or be dedicated to a single client.
- Turnkey solution
- Back-end clearing operation
- Rule-based loyalty engine
- Co-developed with IBM and the Airos Group
- Written in Java and SQL, Websphere, Struts, MQ Message Server
- Powerful DB2 database with Linux operating system
- Hosts single or multiple clients
- Communications Gateway accepts transactions from any source
- Transaction Manager determines if transaction has been pre-calculated
- Outbound Application Interfaces to feed information to external systems
- Hosted at client site or by Phoenix Technology at Loyalty Central data center
Communications Gateway
- Entrance to Loyalty Central™
- Continuously running
- Accepts incoming transaction batches of all types from any source
- Holds all transactions in suspense until batch balances or has been corrected
- Fully scalable to any magnitude of processing power
- Hosts single or multiple clients
Communications Gateway
- Available to feed required information to other rewards processors, external client systems
- 2-way interfaces for data synchronization with card and terminal management systems
- Data synchronization with legacy data bases
- Statement feeds for transmission to Card Issuer, for combining with credit/debit card statements
- Electronic Disbursement feeds can be sent to Program Manager or Issuing Bank
- Redemption/Fulfillment Feeds
- Data Warehouse Feeds
Transaction Manager
- Determines if Loyalty and/or Cause have been pre-calculated
- At Point-Of-Sale by e-llegiance™ engine
- By outside source from Inbound Transaction Interface
- If pre-calculated, it is posted to the customer’s account
- Backup
- Replace a lost or stolen card
- If not pre-calculated, Loyalty/Cause is calculated by back-end e-llegiance™ Engine
- Based on customer and loyalty program data stored in Loyalty Central™ database.
- Results stored in customer’s account and transaction history record
Settlement
- Automatically initiated
- Transactions reconciled and appropriate data gathered for all parties
- Statement feeds for transmission or produced by Loyalty Central™
- Statements and reports printed or delivered by email or posted to LoyaltyCentral.com™
- Access authority and retention periods controlled by Program Manager
Redemption
- Redemption transactions at POS
- As part of payment
- Separate transactions
- Inbound Redemption Feeds to Loyalty Central™
- Outbound Fulfillment Feeds from Loyalty Central™
- On-Line Redemption Catalogs on client website or through 3rd party affiliations
“This system is perfectly timed for the market because it allows a client to use smart cards in the same program with bar codes and/or magnetic stripe cards”. “This will support Phoenix Technology customers, allowing them to conveniently migrate cards and POS terminals to advanced technologies in increments as small as one at a time, or whatever their business needs dictate. Given that financial card transactions are now becoming smart-chip based for enhanced security, Phoenix Technology offers a future-proof means of managing all customer loyalty programs on a single platform under patent protection. This is a dynamic and highly flexible rewards management system that will grow along with a client in the midst of ever-evolving card, payments and loyalty industries. Both retailers and consumers will benefit”.
Catherine Johnston, President & CEO of the Advanced Card Technology Association of Canada
LoyaltyCentral.com™
- All LoyaltyCentral.com™ functionality can be available with secured access via the Web portal, or can alternately be integrated into the client's own website.
- Easy to use, intuitive interface
- Secure public access to Loyalty Central™ over the Internet
- Brand Reinforcement by embedding into client’s website
- Secure reporting from Loyalty Central™, protected by firewalls
- Data administration performed from any location
- Access and authorities assigned and maintained by Program Manager
- Define and modify Loyalty, Gift Card, and Stored Value programs
- Automatic download to merchant devices
- Add and maintain merchants, terminals, cardholders, etc.
- Standard reports printed locally or retained in electronic format
- Redemption catalogs through 3rd party affiliations
- Data mining or data feeds to existing data warehouse
