Dynamic Credit and Debit Integration
This solution seamlessly pairs credit and debit cards to share credit limits, enabling real-time balance checks and transaction rerouting without manual intervention. It uniquely allows debit cardholders to access paired credit resources when funds are insufficient.
Combined Benefits Across Card Types
Unlike traditional reward systems that silo offers to specific card types, this solution aggregates and shares benefits (e.g., travel card rewards combined with cashback benefits) across all paired cards, maximizing value for users.
Privacy-Preserving Design
The solution ensures transaction and offer data remain private to individual cardholders, even within a shared pairing system. Kafka's partitioning and encryption ensure no transaction details are exposed to other cardholders.
Real-Time Event-Driven Architecture
Leveraging Kafka and Kafka Streams, this innovation processes pairing requests, balance checks, and reward calculations in real-time, enabling low-latency transactions and dynamic decision-making for optimal rewards.