Mantle Payment Card

Ceretis

Ceretis

Of air and darkness
INTRODUCING 'MANTLE'​
The first omni-card for all your payment needs.​

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What is Mantle?
Mantle is a next-generation secure electronic wallet smart card. Though this card looks and feels much like the credit card you have already, it is so much more. The card allows you to use it no matter the reader technology. From swipe, to chip, to secure proximity, this card will work with them all. With additional built in features this system enhanced existing security allowing you the peace of mind that your money is safe.

Already have a card?
Using Mantle's technology you can add in your existing credit, debit, loyalty program, transit passes, and all other cards, electronic currencies, and anything else that's cluttering up your wallet or purse. At the push of a button you can transform Mantle from your credit card to your transit card and then into a loyalty card; seamlessly. In short, instead of carrying 25 different cards, you carry one Mantle.

Mantle's companion web and mobile apps will also suggest cards which may be useful for the transaction for optimal rewards points, privacy, business, or other reasons.

Built in security features:
Among other industry standards such as imprinted cards, and holographic images, our card features some of the latest security features:

Encrypted proximity transactions, you can limit the amount of money available to this card feature if you desire.
All transactions are one time use; so even if a criminal manages to read your card, they only have one transaction.

EMV/Integrated circuit card high security credit/debit payment card.
This is the current industry standard 'chip and pin' system.

Dynamic CVV and Dynamic Magnetic Stripe
Gone are the days of cloning your magnetic strip or writing down your card details.
Much like the EMV chip, Dynamic stripes only prove its validity and don't disclose your information or card code.
Dynamic CVVs update every 60 seconds and use an e-ink system to show the CVV image on the card when you touch the CVV panel.

Transaction 'freeze' option by card holder.
Worried about scammers trying to read your card? 'Freeze' it, halting all transactions until you unlock the card.
Forgot your card in the store? When it detects it's moved too far from your phone or your security fob, it auto locks.
Forgot your phone or fob at home but need to use your card? Enter the pin and it unlocks.

DNA lock card authentication
A specialized DNA strand is generated for each card. Only OFR or its associates have the codes to remotely verify the card is indeed yours.
If somehow thieves try to use a cloned version of your card, they won't know your card's DNA code and can't duplicate it, only we retain this information.
If we 'challenge' the transaction, it reads the DNA code in the card to verify the card. When their card reads unverified we'll deny their transaction.​


Card Features:
Dynamic true color 'E Ink' display allows image customization on the face of the card even recreating the full image of the card you've selected.

Gone are the days of stacks of credit, debit, loyalty cards, transit passes, gift cards, and others just cluttering your life. Now, along with your Occidental Federal Reserve 'Mantle' card, you can clone them all into your one Mantle card, and manage them all through our proprietary app on your smart phone. To add the cards is simple, we provide a home kit for you to use. For special encryption cards our branch offices are available to quickly transfer the data onto your Mantle.
  • All electronic payment cards including credit and debit cards
  • Transit / Pass cards
  • Gift cards, Loyalty cards
    Displays a graphic of the card and remaining gift funds
    [*]Special electronic offers, coupons, special discounts, promotions, etc
    [*]Identification card (Student identification, etc / Not suggested for primary ID)​


USB accessory for encrypted online payments. Plug in the reader and the card will, as with any merchant, utilize a one time use purchase authorization.
If you so choose, you can still type in the code and use the Dynamic CVV.

An excellent bonus rewards plan adds even more to this card. Talk with one of our representatives to select from cash back, pints, 'Double cash back' bonuses when spent at certain 'merchants of the month,' and other rewards options. Our rewards plans start at 2% with some plans at 5%.

Your card has been optimized to work with your smart phone, allowing you to manage your accounts in a one stop shop portal. The app even lets your purchase or transfer whole or parts of gift cards to anyone you choose. The system ties in with many major retailers directly or provides an easy link directly into non participating merchants sites. The portal also helps you to pay your various cards, transfer funds, and gives analytics on your finances helping you make informed decisions.

Along with out coordinated management system, you are able to scan, photograph, or digitally transfer documents and receipts creating a searchable clutter free set of records. Furthermore the system will even assist you in creating reimbursement requests, and help with end of year taxes where applicable.

The system scours the online world finding discounts and promotions of interest to you. It will also help you to utilize loyalty and promotion plans to their fullest. If it detects you can obtain a bonus or free cash, thereby reducing cost to you or gaining some extra item, by instant purchasing a gift card, the system will notify you before your transaction completes. See a promotion QR code or bar code? Scan your saving in and the system will integrate.

Traveling? Our system will automatically convert your money into local currency with no hassle or fee. The card will even display the current exchange rate and in conjunction with your smart phone will assist you in tipping and other financial etiquette while on your travels; saving you from worry.

Our predictive pay technology selects probable card(s) for your current transaction minimizing selection time.​


Application:
We offer two applications, please chose one (or both) options. First is for individuals and organizations interested in this card, we will provide an application below. Banks will gain access to a powerful financial tool for their customers, the application will allow banks to issue omni-cards for their customers. Cards for organizations / churches / etc will link the rewards program with their organization allowing users of their cards to automatically donate a chosen portion of their rewards to support the organization.
Individual and Organization Application::
Applicant Name:
Individual or Organization:
Is this for a Loyalty Program [Y / N]:
If so, please tell which one:
Are you a Bank and seek to issue cards for your customers [Y / N]:
Do you agree to abide by the service agreement [Y / N]:
(OOC: Standard card service agreement, no hidden gotchas.)​
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Second application is for nations. They may utilize this system to pay any tax or other refunds, for assistance programs, to unify their transit system cards making travel in their nation that much easier, and more. Issuance of these cards in your nation will allow ease travel fraud and frustrations of your citizens as well as reduce fraud in your nation overall.
Nation Application::
Applicant Nation:
What is/are the primary purpose you will be issuing this card:
(e.g. Tax repayment, Public assistance payments, School ID, Transit passes, Fraud reduction, etc)
Are there any special requests or any information you'd like to add:​
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Applicant Nation: Kaiserreich Kannex (Empire of Kannex)
What is/are the primary purpose you will be issuing this card:
Transit passes, fraud reduction, and possibly public welfare (in the future).
Are there any special requests or any information you'd like to add: We would like Kannexan Mantle cards to be issued in and from Kannex, in conjunction with Kannexan corporations and with government oversight.
 
Applicant Nation: Kaiserreich Kannex
What is/are the primary purpose you will be issuing this card:
Transit passes, fraud reduction, and possibly public welfare (in the future).
Are there any special requests or any information you'd like to add: We would like Kannexan Mantle cards to be issued in and from Kannex, in conjunction with Kannexan corporations and with government oversight.
To the Kaiserreich Kannex,
We appreciate your interest in our services and welcome you to the Mantle Payment Card and Omni Card Network. If you have any concerns or needs, our staff is eager to assist.

We will gladly assist in the integration of our card services in all your needs including transit passes and fraud protection. At the time of your choosing, our agents will assist your government in whatever way we can with planning and implementation of public assistance cards.

It is and has been the standing operating procedure of the Mantle payment card and Omni card network to establish a card processing center in each nation that utilizes our services to more effectively assist our customers. This allows the local processing center to better understand the needs of customers while meeting all local governmental requirements. Therefor per standard procedure, all cards from the Kannex Mantle card center would be issued in and from Kannex.

The vast majority of Mantle cards are offered through local and network banks, local and international corporations, as well as local and international institutions, and by government agencies serviced by the Mantle system. Although cards are offered by Occidental Federal Reserve to its customers, the majority of cards are primarily issued on behalf of other groups under the Mantle system and processed by the Omni Card Network. As such cards will be issued through corporations and organizations in Kannex as well as by interested governmental agencies.

Further we'd like to note that since the cards by policy are issued from the participating nation's processing center and on behalf of and through corporations, organizations, and governmental agencies in that nation; these processing centers always follow local banking laws and regulations.

I believe this meets all the concerns and requirements expressed thus far. With best regards we look forward to a bright and prosperous future together. If you have any additional concerns we'd be glad to answer and assist in any way possible.

Ophelia Stevens
Mantle Payment Card and Omni Card Network Services
Occidental Federal Reserve
 
Applicant Nation: SillyString
What is/are the primary purpose you will be issuing this card: A card will be issued to all tourists who desire one and accepted at all major locations, in order to provide an improved visitor experience. They will also be available to residents, but optional as bits of string are accepted everywhere.
Are there any special requests or any information you'd like to add: They will be primarily issued at the airport, with hotels able to submit requests remotely for tourists who decide later during their visit that a card would be in their interest.

We would like them to be able to function as debit cards, not credit cards. Visitors should be able to add money to them (be it online, in person, or over the phone), or tie them directly to a foreign bank account. They should also be able to take money out of them, specifically to pay kiosk vendors or others who might not be able to accept card payments. All hotels will be equipped with ATMs that can do such withdrawals and deposits.

We additionally request that no currency exchange fee be charged to the user, nor any other fee that accrues through ownership or normal use (such as a monthly maintenance fee, atm fee, transaction fee, etc). Instead, we would prefer to negotiate either paying a set monthly fee directly from the nation of SillyString, or providing various privileges (such as reduced costs or guaranteed availaibility) to citizens of Ceretis or employees of Mantle.
 
Applicant Name:Crown Bank of New Aquilia

Individual or Organization:Crown Bank of New Aquilia

Is this for a Loyalty Program [Y / N]:N
If so, please tell which one:N/A

Are you a Bank and seek to issue cards for your customers [Y / N]:Y

Do you agree to abide by the service agreement [Y / N]:Y
 
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