The card core built from Hyundai Card's card system.
H-ALIS is Bankware's card-processing package for issuers, consumer-finance houses, and payment gateways. It was built from Hyundai Card's card system, developed on BX-M and BX-PF, and localized for the Japanese market with Exa; the first Japan customer was AIFUL (2022).
H-ALIS issuer modules span the card lifecycle
, recruitment through brand accounting.
Member Acquisition Across Product Lines
Member acquisition workflow from application through KYC, eligibility scoring, and card-product enrollment. Parameterized eligibility rules per product line, credit, debit, prepaid, and corporate variants, without code deployment.
Talk to an expertParameter-driven card cores in production.
Nine more H-ALIS modules round out the issuer operational surface.
Cardholder obligation tracking, outstanding balances, repayment scheduling, restructuring workflow, and the integration with collection systems.
Merchant master data, onboarding, KYC, MCC classification, terminal management, and the integration with acquiring partners.
Merchant settlement accounting, fee accruals, chargeback handling, brand-acquirer reconciliation, and tax reporting.
Service catalogue per card product, loyalty, rewards, travel insurance, concierge, and the entitlement engine that gates access per segment.
Cardholder lifecycle, profile, segment, household, secondary cards, and the cross-product unified customer view.
Portfolio analytics, campaign planning, target segmentation, and the marketing-operations integration that drives product growth.
Shared operational services, reference data, code tables, message routing, and the audit-and-monitoring infrastructure.
Card-network counterparty accounting, Visa, MasterCard, JCB, UnionPay, reconciliation, settlement file processing, and dispute tracking.
Corporate card programmes, expense management, T&E policies, corporate liability, and the integration with corporate ERP systems.
Ten architectural pillars behind every H-ALIS deployment.
High-availability online-first architecture, sub-100-millisecond authorization, multi-region active-standby, 24/7 transaction processing.
Open API integration with channel systems, card networks, and downstream financial systems, every capability accessible via API.
Normalized data model across cardholders, merchants, transactions, and counterparties, eliminating data duplication and reconciliation drift.
Parameter-driven framework powers card-product configuration, eligibility rules, fee structures, reward formulas, without code deployment.
BX Interface integrates the multi-channel surface, mobile, internet, teller, ATM, call center, through a single integration layer.
Tab-based multi-screen execution lets operators handle multiple cases in parallel without context-switching loss.
Rule-based parameterization separates business logic from code, business analysts define rules without engineering deployment cycles.
Permission controls down to the button level, every sensitive operation gated by role-based authorization with audit trail.
PII data masking across screens, reports, and exports, configurable per role, per use case, and per regulatory regime.
Rule-change simulation lets the institution test parameter changes against historical data before deploying to production.
Hyundai Card's card system,
the basis of H-ALIS.
“Hyundai Card's next-generation card system was developed on BX-M, Bankware's Java development platform, with BX-PF for card products (2012). That system became the basis of H-ALIS for the Japanese market.”
Read the engagementTell us about your card-processing transformation.
The Bankware card-and-payments team will respond within two business days.