Neiman Marcus 2008 Annual Report Download - page 709

POS Store
System -
Sales
Authorization
(NM & BG
charge cards)
Authorizati
on
Receives
transaction from
the POS store
register to process
a NM or BG
purchase/return
transaction.
Access the Fair
Isaac system for
credit reporting
information if the
account exceeds
their OTB or had
no activity over 12
months for
evaluation and
establishing new
credit limit.
Reply back to
the POS
register with
an approval,
referral or
decline
response.
[***] Mon-Sat
Sun
7 AM - 11 PM
10 AM - 11 PM
POS Store
System -
Sales
Authorization
(3rd party
charge cards)
Authorizati
on
Receives
transaction from
the POS store
register to process
3rd party charge
cards for
purchase/return
transaction.
Format the
transaction and
send the
authorization
request to AMEX
or FNBO (Visa,
MC, etc.) for
processing.
Reply back to
the POS
register with
an approval,
referral or
decline
response.
[***] Mon-Sat
Sun
7 AM - 11 PM
10 AM - 11 PM
NMD - Sales
Authorization
(NM & BG
charge cards)
Authorizati
on
Receives batched
transactions on an
hourly basis from
NMD to process
purchase/return
transaction.
Access the Fair
Isaac system for
credit reporting
information if the
account exceeds
their OTB or had
no activity over 12
months for
evaluation and
establishing new
credit limit.
Reply back to
NMD with an
approvals,
referrals or
decline
response.
[***] Mon-Sat
Sun
7 AM - 11 PM
10 AM - 11 PM
[***] [***] [***] [***] [***] [***] [***] [***]