Cards Application Processing System

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CAPS Caps Product India

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CAPS is a product which has been developed solely by Worldindia.

As a part of its R&D initiative, Worldindia has teamed up with leading functional Subject Matter Experts (SME) with an experience in implementing end to end credit card solutions. These consultants help in researching & developing the today's business needs in Credit Card Processing System.


Hardware & Software Requirements Product Name: CAPS (Cards Application Processing System) Platform: C# as Front End and Microsoft SQl 2005 as Backend. Minimum Server Requirement

  • Windows 2003 Server (OS)
  • Microsoft SQL 2005 Standard or above (Database Server)

Recommended Configuration

  • Client WorkStation PC with Intel Pentium 4 processor
  • Windows XP/Windows Professional/Windows Vista

CAPS - Product Highlights


Tailored for Credit Card


The Base product is tailor made for Credit Card Application processing. However, due to the intensive level of support for parameterization, the system can be customized for other Application Processing for e.g. Debit Cards.


Parameter driven Decision Support System


Global Parameters (Single Screen parameter configuration approach)

Label Definition (User Friendly Alternate Screen Display Label configuration with Multilingual Support)

Profile Definition (Easy to configure and link at Group level profile definition (Fields) to cater to specific product needs for e.g. Visa Platinum Application for a Bank 'A' may need certain additional fields compared to Visa Gold Application)


Multistage Data entry and Verification (Maker - Checker)


CAPS architecture is designed to support Multistage Maker-Checker Model to ensure correctness of Data. In built intelligence and Security subsystem restricts the same User from accessing the Application at next level.


VIP Green Channel Processing


CAPSis capable of processing VIP applications through GREEN CHANNEL i.e. It can be configured to bypass certain stages for e.g. Bank ‘A’ may have a requirement to bypass Application scoring for VIP Applications


AutoSave feature


CAPS has the ability to monitor Network connectivity and is capable of saving the Data in a Transient File in event of Network outage


Mouse-less operation


Mouse less navigation through data entry screens can significantly reduce the burden of typing data into the computer. By using only keyboard functions, the typist is relieved of the effort and strain of constantly reaching for the mouse. The CAPS system has been designed to take advantage of the speed of mouseless entry while retaining the intuitive user interface of GUI design


Application scoring


CAPS has a powerful, user configurable scoring mechanism


Risk Analysis


External Risk (CAPS can send information of the applications to external partner for purposes such as credit checking and fraudulent analysis)

Internal Risk (Application De-dupe check)


Application scoring


24 x 7 dedicated support


Mail Box


CAPS uses the mailbox concept viz. Inbox and Outbox for application queue tracking


Message Relay


CAPS can generate Bank specific XML outputs for interfacing with other systems


User Access Management (User and group level privilege




Group Definition (Group Level definition can be used to setup entitlements at a group level for accessing functions. Profiles can be linked at the group level)

User Definition(User inherits the group level entitlements. Leave flag Maintenance enables the systems to perform alternate routing)

Team Definition (The users can be logically grouped in to teams)


Support of Application entry in batches


CAPS is designed to support application entry in batches


Audit trails / Maintenance Logs

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