Providing facilities in a modern and electronic way

In the banking and payment system based on Islamic laws and the instructions of the Central Bank of the Islamic Republic of Iran, a credit card is a type of granting facilities in a modern and electronic form that takes place in the form of Islamic contracts.

By using these types of cards and the credit granted by the bank or institution, the customer will have the ability to buy from sales bases and online stores. In this system, the management of all credit files, how to settle their accounts, the calculation of the bank or institution’s obligations for all types of cards and the amount of customer obligations for each customer can be easily calculated and controlled.

It should be noted that the Kara credit system has the ability to manage all granting and settlement of facilities based on the conditions of Islamic contracts and Islamic banking laws without usury. In this way, the credit files of the facilities granted in this system are done in the form of Qarz al-Hasaneh in the initial period and after that in the secondary periods in the form of other Islamic installment contracts such as installment sale, Jaala and Murabaha.

مدیریت کارت اعتباری کارا

Technical features ______________________________

Service Oriented Architecture (SOA) and three-layer design model
Using Java technology
متصل به سامانه فرآیندیTSB+
Flexibility and easy connection and integration with all kinds of peripheral systems
It has a complete internal accounting system with different types of accounting relationships, separated by main accounts and different accrual and fixed fees.

Business features ______________________________

  • Management of credit card files based on Islamic contracts and central bank guidelines
  • Credit card transaction processing
  • Customer validation, settlement of accounts and collection of claims in bank branches
  • Management of automatic procedures to perform automatic services and operations
  • Management of all types of fees
  • Management of all types of statistical and management reports
  • Management of logs and system events
  • The ability to provide credit services through ATM and Internet Bank
  • Managing communication with all types of centralized banking systems (Core Banking), facilities, documents,
  • Card and switch management on the web