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jCard
eFinaX jCard is an online card solution that uses built-in Java technology. The program manages the credit card transaction, for Banks and retailers, payment authorization, account settlement to billing the customer, for consumers, it keeps detailed records of what was purchased on the credit card, where and when as well as when payments were made. Used in conjunction with the house bookkeeper module, consumers can track their spending, retailers and banks their monthly credit sales, payment records and individual store information. The Java technology goes beyond the limited scope of traditional HTML-based user interfaces and performs an unprecedented level of the multi-tasking. eFinaX jCard uses server and network resources efficiently, it's user-friendly configuration, enhanced functions and rate based graduated marketing assistance provides retailers a premier credit card solution. The system provides:
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 Real-time information
Tracks the consumer behavior and makes statistical analysis
Links to graphical and datasheet interfaces.
Hard copy print outs of the details of the credit card transactions
Calculator
Access to different cards through account aggregation
Personal financing manager and house bookkeeper
Graduated services to meet the needs of individual customers according to the customer rate
Access to the retailer information
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eFinaX jCard Key features |
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 Versatile viewing & query |
| The viewing and query function displays all of the credit card information, by using the queries and sort function, these details can be displayed by time period as well as other charging details. Query can be exported as data to text files and linked into MS-Excel spreadsheets for further analysis or presentation. |
House bookkeeper |
| The house bookkeeper keeps track of spending details based on the data imported from other applications, saving time and ensuring that accurate tracking of expenses. Users can create categories of spending and determine the interval to roll up expenditures used with the powerful graphics, spending habits can be visualized and become clear. The house bookkeeper is a true personal budgeting system that keeps you on top of your budget and expenditures. |
Versatile analysis. |
| The analysis function helps unravel the use of your credit card expenditures over time, through the use of distribution charts and graphical analysis. The result of statistical analysis provides the basic spending information needed for setting up and implementing personal financial plans. |
User-friendly interface |
| The configuration of window with it's straightforward interface was designed for ease of user interaction. The intuitive interface allows users can jumpstart the program without detailed knowledge about the menus or tools. The step-by-step guides assist users in all aspects of the operations so that even beginners can become productive after very little use. |
Account aggregation |
| The Account aggregation functions is where a user's accounts that are physically located at different financial institutions can be brought together in one location on their computer's desktop. From detailed transactions to summaries from credit card accounts to savings, information from these different sources can be viewed and analyzed. |
eCRM
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| eCRM runs the scrolling messages that alerts users to the maturity of their savings programs and delays in debt repayments. eCRM keeps you updated on new financial products and services, it sends alerts regarding overdue loan payments and settlement information. The eCMR's ticker window has links to the full range of information from jCard application.
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Cash services and loans |
| With the loan service, users can comparison shop between different financial institutions for the best rates on a loan or lines of credit. Then apply for that loan and check the status of the application on line. When approved the funds being borrowed, can be automatically transferred to the user's bank account. |
Vast additional services |
| This service calculates tax rebate that the Korean government provides when using a credit cards for the purchase goods or services. The service also calculates interest rates and installment payments. |
