Visa 2011 Annual Report Download - page 9

Table of Contents
products. In addition to core issuer authorization processing, DPS offers card management services, exception processing, PIN and ATM network gateways,
call center services, fraud detection services and ATM terminal driving. Visa Processing Service, or VPS, provides credit, debit and prepaid issuer processing
services, including multi-currency processing functionality, outside the United States.
Loyalty Services. We offer loyalty services, which allow our clients to differentiate their Visa program offerings, enhance the attractiveness of their
Visa payment programs and strengthen their relationships with cardholders and merchants.
Dispute Management Services. We manage Visa Resolve Online, an automated web-based service that allows our clients' back-office analysts and
client service representatives to manage and resolve Visa transaction disputes more efficiently than with paper-based processes.
Value-Added Information Services. We provide our clients with a range of additional information-based business analytics and applications, as well as
the transaction data and associated infrastructure required to support them.
CyberSource-branded services. We provide technology and services that make it easier for eCommerce merchants to accept, process and reconcile
payments, manage fraud, and safeguard payment security online. CyberSource brings these payment management solutions to market on two platforms:
CyberSource Enterprise services, targeting medium and large-sized enterprise businesses; and Authorize.Net, targeting smaller businesses with less than $3
million in annual online sales.
Product Platforms
We offer a broad range of product platforms that enable our clients to build differentiated, competitive payment programs for their consumer, business,
government and merchant clients. Our principal payment platforms enable credit, charge, deferred debit, debit and prepaid payments, as well as cash access
for consumers, businesses and government entities. Our payment platforms are offered under our Visa, Visa Electron, Interlink and PLUS brands.
Consumer Credit
Our consumer credit product platforms allow our issuers to offer deferred payment and financing products that can be customized to meet the needs of
all consumer segments. Our baseline consumer credit platform is marketed to our issuers as Visa Classic. In addition, we offer a range of premium credit
platforms that enable our issuers to tailor programs to consumers requiring higher credit lines or enhanced benefits, such as loyalty programs. Our premium
consumer credit platforms are marketed to issuers, and in some cases, to cardholders, as Visa Gold, Visa Platinum, Visa Signature, Visa Signature Preferred
and Visa Infinite.
Consumer Deposit Access
Our deposit access product platforms enable our issuers to offer consumer payment and cash access products that draw on consumers' deposit accounts,
such as checking, demand deposit or other pre-funded accounts.
Consumer Debit. Our primary consumer debit platform in the United States and many other countries uses the Visa brand mark. Depending on local
marketplace point of sale practices, there are a variety of cardholder verification methods to suit specific merchant segments or acceptance channels, while
ensuring a valid and secure transaction. Visa Debit transactions can be authenticated
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