PAN Digger

PAN Digger is an online service which allows to identify by the card number the bank name of the issuer, card currency, the country of the issuer, the name of a card product (Platinum, Gold, Classic, etc.) and also to define a possibility of implementation of card P2P of transfers both from the map, and on the card.  The innovation of service consists in the accuracy of providing data due to direct interaction with MasterCard payment system.

The product developed by the Russian company "Esbisi Technologies" is integrated into a hardware-software complex of PaynetEasy and provides  the organization of information and technical interaction of c with the information system MasterCard Worldwide. The New Character Bank which organized connection of PAN Digger to profile services of payment system acted as the partner of the project.

PAN Digger is intended for the companies performing acceptance and payment processing on bank cards - trade enterprises of land acquiring, online stores, IFI, IPSP, the processing companies, issuers and ekvayer of card products.

The online service considerably expands possibilities of scoring systems and serves as an important component of the systems of the automated control and prevention of fraudulent transactions. For example, to the microfinance institutions specializing in remote issue of loans it will allow to create with higher quality a pool of borrowers and to lower percent of "bad" loans. Use of PAN Digger in programs of loyalty provides providing the differentiated discounts depending on category of the card of the payer.

Application of a product completely conforms to requirements imposed on work with bank cards, and standards of security of the payment industry. In tools of service interaction on Open API, a web form and also on the customized schemes which optimum suit business of customers is implemented.

 The PAN Digger service is provided  on    the Application Service Providing (ASP) or Software as a Service model (SaaS) that makes implementation of such service available to business as on Russian, and international markets.

"The bank card bears in itself much bigger functionality, than is considered to be. It is relevant "portrait" of the payer which was closed for trade and service companies earlier. The PAN Digger project is designed to break down stereotypes and it is essential to expand possibilities of the CRM systems of suppliers of goods and services, to build targeted marketing strategies for different consumer groups, to flexibly regulate tariff policy for different target audiences. An ultimate goal of use of this product is improvement of quality of the provided services. Shortly service will be complemented with an option of drawing up a profile of each payment with detailing by a set of parameters", - Zlatolinsky Kirill, the CEO of Esbisi Tekhnologii says.