Financial Services products are centered largely on payment processing for Sears, Kmart, Home Services, and Online channels. Real-time payment authorization, refund management, settlement, and reconciliation are some of core functionalities offered by these products. The authorization system processes real-time payment requests for Credit, Debit, and Electronic Benefit Transfer (EBT), Sears Gift Cards, third-party Gift Cards, and associate discounts. Other important solutions include Sears Rapid Credit, layaway, lease applications, account number lookup, ID validation, and long term storing of customer receipts in a secure way. While some of the products are vendor managed solutions, others are custom built using open source technologies, cloud-based services and mainframe platform. The division continuously engineers these systems to keep them secure, robust, and pertinent to changing business needs.