ILS | Intelligent Loyalty
System
Member‑Centric, Driving Loyalty Engagement
Supports flexible configuration of points generation, adjustment, redemption, and expiry management based on transaction behaviour, activity, task completion, and other rules. Covers complete business scenarios including points‑based discounts, merchandise redemption, membership tiers, and benefit allocation.
Eliminates traditional batch processing, enabling points to be credited and redeemed in real time against transaction amounts, significantly enhancing customer experience. Supports high‑concurrency real‑time points operations.
Built‑in tiers such as Classic, Gold, and Platinum, with parameterised configuration of upgrade conditions, differential benefits, and promotional campaigns to meet refined operational needs.
Includes a merchandise management module supporting listing/unlisting, inventory control, and full lifecycle order processing for physical goods, digital vouchers, and third‑party benefits.
Queries points balance in real time during transaction authorisation, automatically deducts the eligible amount according to preset rules (e.g., "points + cash" mixed payment), and binds redeemed merchandise or benefits to the cardholder’s account – forming a complete closed‑loop solution from payment to loyalty engagement.
Consolidates points assets, membership tier, and historical behaviour into a single customer view, empowering banks to deliver personalised benefit recommendations, refined operations, and improved user stickiness and cross‑selling.
Elastic, High‑Performance, and Integrable
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Distributed Microservices ArchitectureSupports high‑concurrency real‑time points accrual and redemption, ensuring system stability and low latency during peak transaction periods.
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Parameterised Rule EngineProvides flexible configuration, allowing dynamic adjustment of points multipliers, validity periods, promotional campaigns, and membership growth rules, enabling business teams to respond quickly to market changes.
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Merchandise Management ModuleManages product listing, inventory, and redemption orders independently, supporting multi‑channel product publishing and inventory synchronisation.
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500+ Standardised Components and Open APIsPre‑built rich points and membership components, with open RESTful APIs to rapidly integrate with core banking, mobile banking, marketing hubs, and the CAKU transaction processing engine, significantly reducing integration costs.
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Deep Technical Integration with CAKUReal‑time points balance query and automatic deduction during transaction authorisation, enabling instantaneous synergy between payment and loyalty systems with guaranteed data consistency and transaction integrity.
Financial‑Grade Standards, End‑to‑End Protection
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Financial‑Grade Data EncryptionSupports both data‑at‑rest encryption and in‑transit encryption (TLS), safeguarding points data, member information, and sensitive transaction fields during storage and transmission.
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Zero‑Trust Security ArchitectureBy default trusts no internal or external access, strictly enforces the principle of least privilege, and requires dynamic authentication and authorisation for all requests, effectively countering both internal and external threats.
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Compliance and Risk Control SupportMeets regulatory requirements for points businesses and member data protection (e.g., personal information protection, anti‑money laundering), with comprehensive operational audit logs to support post‑event traceability and compliance checks.
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Secure Development LifecycleBuilt‑in automated vulnerability scanning across development, testing, and deployment phases, establishing an end‑to‑end security defence chain.