Card Pool 

Definition

A structured contract to which participant cards can be assigned. The assignment can be restricted on a time basis and changed.

Use

Use this object to group together different card contracts (at least two) of a business partner.

Use this object to depict contracts that consist of individual contracts themselves.

All central attributes can be assigned to a card pool, as with every other contract such as limits or conditions.

The assignment can be restricted on a time basis and changed.

Structure

The system depicts a card pool using contract elements (such as limit management) and the business partners involved.

The individual contract parts are not used exclusively for card pools; it is only when they are linked together that they form a structure that enables a card pool to be depicted with its characteristics and functions.

The relationship between the card pool and the related card contracts is also depicted.

Relationship Between Master Contract and Product

A card pool contract is based on a card pool product, which in turn is based on the Card Pool product category. The attributes and contract elements used in the Card Pool Contract product category determine the scope of functions and descriptive characteristics.

The card pool contract product can enable further differentiation in the actual card pool contract. If it does not permit changes, the card pool contract must completely adopt all of the default values from the card pool product. These restrictions are useful in retail banking, as opposed to individual transactions.

For more information about product definition, see Product Management (FS-AM-PR).

Example

TheCard Pair card pool consists of a Eurocard and a Visa card. There is generally no limit for the individual cards. The card pool has an upper limit of EUR 8,000.00. This means that the card holder has access to a maximum of EUR 8,000.00 for both cards together or for one of the two cards.