Predictika · Card program quoting

An AI sales agent's card program quote, checked before it goes out

An AI sales agent prepares an annual program quote for a card issuer: the card tier, credit or debit, consumer or business, the benefits and network services, the card volume, the go-live date, the term, any extra discount and the annual total it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the program rules and returns a verdict, every reason and the total it computed.

Scope: Mastercard issuer card program quotes: Standard, World and World Elite tiers, credit or debit, consumer or business, benefits, network services, volume, go-live, term, discount and the stated annual total. See everything this validator covers

This validator models program quotes of this kind, not just the scenarios shown below.

  • Tiers and benefits — Standard, World and World Elite Mastercard, with travel perks on World and above, and airport lounge access, concierge and Mastercard Travel Rewards on World Elite only.
  • Network services — Mastercard Digital Enablement Service (MDES) tokenization, Identity Check, Decision Intelligence and Click to Pay, where Click to Pay needs tokenization and Decision Intelligence needs a minimum card volume, and each service adds weeks to the go-live.
  • Volume, term, discount and total — a card volume range for each tier, terms of 3 to 7 years, an extra discount that needs sign-off above 10 percent and is refused above 20, very large portfolios, lounge cost exposure, and the stated annual total compared with the computed one.

Any program quote that touches these rules is in scope — not only the scenarios pictured here. The tier names, the benefits that belong to each tier and the network service names follow public Mastercard information; every rate and fee, the minimum volumes, the go-live times, the term discounts, the discount thresholds and the approval rules are modeled from comparable card programs and not published by Mastercard, so the amounts on this page are illustrative. Not covered: merchant acceptance, interchange, prepaid programs and other Mastercard products.

The AI sales agentBuilds the card program quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Benefits that depend on the card tierOnly with workarounds
Travel perks, lounge access, concierge and Travel Rewards each belong to some tiers and not others, and the same quote can mix them.		Every benefit is checked against the tier on every call, whatever order the choices were made in.
Services that need other servicesOnly with workarounds
Click to Pay needs tokenization, Decision Intelligence needs a minimum volume, and each service adds weeks to the earliest go-live.		Service dependencies, the volume minimum and the earliest go-live are evaluated together on each call.
Volume, term and discount thresholdsOnly with care
Each tier has its own volume range, terms run from 3 to 7 years, and an extra discount goes to sign-off above 10 percent and is refused above 20.		Each level is compared on every call and every approval is listed.
A total built from volume, benefits, services and termOnly with workarounds
The annual total depends on the tier, the rate per card, the benefits, the services, the term discount and the extra discount, so it must be computed before it can be compared with the total stated.		The annual total is computed on every call and compared with the total stated in the quote.
Every problem returned in one answerOnly with care
Rules tend to fire as a step is saved, so a person often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
14 thousand cards is outside the 5 to 5,000 thousand cards this tier is modeled for.
29 thousand cards is outside the 10 to 5,000 thousand cards this tier is modeled for.
324 thousand cards is outside the 25 to 5,000 thousand cards this tier is modeled for.
45,000 thousand cards is a very large portfolio; the account team should confirm the plan.
55,001 thousand cards is outside the 10 to 5,000 thousand cards this tier is modeled for.
65,001 thousand cards is a very large portfolio; the account team should confirm the plan.
71,001 thousand cards is a very large portfolio; the account team should confirm the plan.
8The travel perks package is part of World and World Elite Mastercard, not Standard.
9Priority Pass airport lounge access is a World Elite Mastercard benefit.
10The phone concierge service is a World Elite Mastercard benefit.
11Mastercard Travel Rewards offers are a World Elite Mastercard benefit.
12Click to Pay in this model needs Mastercard Digital Enablement Service (MDES) tokenization.
13Mastercard Decision Intelligence is modeled for programs of at least 50 thousand cards; this one has 49.
14A go-live in 15 weeks is sooner than the 16 weeks modeled for this program.
15A go-live in 31 weeks is sooner than the 32 weeks modeled for this program.
16A term of 2 years is outside the 3 to 7 years modeled.
17A 7 year term needs sign-off.
18A term of 8 years is outside the 3 to 7 years modeled.
19Lounge access on 501 thousand cards carries cost exposure and needs finance review.
20An extra discount of 11 percent needs sales management sign-off.
21An extra discount of 20 percent needs sales management sign-off.
22An extra discount of 21 percent is outside the 0 to 20 percent that can be quoted.
23An extra discount of 21 percent needs sales management sign-off.
24The quote states 61,439 dollars a year; the modeled rates give 61,440 dollars.
25The quote states 61,441 dollars a year; the modeled rates give 61,440 dollars.
26The quote states 1,000 dollars a year; the modeled rates give 59,520 dollars.
273 thousand cards is outside the 5 to 5,000 thousand cards this tier is modeled for.
28Mastercard Decision Intelligence is modeled for programs of at least 50 thousand cards; this one has 30.
29A go-live in 10 weeks is sooner than the 20 weeks modeled for this program.
30An extra discount of 25 percent is outside the 0 to 20 percent that can be quoted.
31An extra discount of 25 percent needs sales management sign-off.
32An extra discount of 12 percent needs sales management sign-off.
331,200 thousand cards is a very large portfolio; the account team should confirm the plan.
34The quote states 5,000 dollars a year; the modeled rates give 32,640 dollars.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Benefits, services and go-live: A Standard credit program for 30 thousand cards with travel perks, lounge, concierge, Click to Pay, Decision Intelligence and a 10 week go-live

    
The agent's request. Please quote a Standard Mastercard consumer credit program for 30 thousand cards, with travel perks, lounge access, concierge, Decision Intelligence and Click to Pay. Go-live is in 10 weeks on a 5 year term. The quote states $70,272 a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Travel perks need World or World Elite. The travel perks package is part of World and World Elite Mastercard, not Standard.
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  • Airport lounge access needs World Elite. Priority Pass airport lounge access is a World Elite Mastercard benefit.
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  • Concierge needs World Elite. The phone concierge service is a World Elite Mastercard benefit.
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  • Click to Pay needs tokenization. Click to Pay in this model needs Mastercard Digital Enablement Service (MDES) tokenization.
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  • Decision Intelligence volume. Mastercard Decision Intelligence is modeled for programs of at least 50 thousand cards; this one has 30.
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  • Go-live too soon. A go-live in 10 weeks is sooner than the 16 weeks modeled for this program.
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  • Stated annual total does not match. The quote states 70,272 dollars a year; the modeled rates give 81,792 dollars.
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2. Benefits, services and go-live: The agent resubmits after fixing the errors

    
The agent's request. Please quote a World Elite Mastercard consumer credit program for 60 thousand cards, with travel perks, lounge access, concierge, MDES tokenization, Decision Intelligence and Click to Pay. Go-live is in 30 weeks on a 5 year term. The quote states $139,776 a year. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 60 thousand cards, list 145,600 dollars a year, discount 5,824 dollars, net 139,776 dollars a year plus 90,000 dollars setup, 5 year term.
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3. Term, discount and sign-off: A World Elite business debit program for 40 thousand cards with Travel Rewards, a 2 year term and a 25 percent extra discount

    
The agent's request. Please quote a World Elite Mastercard business debit program for 40 thousand cards, with Travel Rewards. Go-live is in 10 weeks on a 2 year term, with an extra discount of 25 percent. The quote states $20,352 a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Go-live too soon. A go-live in 10 weeks is sooner than the 24 weeks modeled for this program.
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  • Term outside the range. A term of 2 years is outside the 3 to 7 years modeled.
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  • Discount over the limit. An extra discount of 25 percent is outside the 0 to 20 percent that can be quoted.
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  • Stated annual total does not match. The quote states 20,352 dollars a year; the modeled rates give 15,900 dollars.
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  • Discount needs sign-off. An extra discount of 25 percent needs sales management sign-off.
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4. Term, discount and sign-off: The agent resubmits with a 7 year term and a 12 percent extra discount

    
The agent's request. Please quote a World Elite Mastercard business debit program for 40 thousand cards, with Travel Rewards. Go-live is in 30 weeks on a 7 year term, with an extra discount of 12 percent. The quote states $17,172 a year. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Discount needs sign-off. An extra discount of 12 percent needs sales management sign-off.
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  • Longest term. A 7 year term needs sign-off.
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  • Quote summary. 40 thousand cards, list 21,200 dollars a year, discount 4,028 dollars, net 17,172 dollars a year plus 90,000 dollars setup, 7 year term.
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5. Term, discount and sign-off: The agent resubmits with sales management sign-off

    
The agent's request. Please quote a World Elite Mastercard business debit program for 40 thousand cards, with Travel Rewards. Go-live is in 30 weeks on a 7 year term, with an extra discount of 12 percent and sales management has signed it off. The quote states $17,172 a year. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Discount needs sign-off. An extra discount of 12 percent needs sales management sign-off.
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  • Longest term. A 7 year term needs sign-off.
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  • Quote summary. 40 thousand cards, list 21,200 dollars a year, discount 4,028 dollars, net 17,172 dollars a year plus 90,000 dollars setup, 7 year term.
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6. Total check: A Standard debit program for 150 thousand cards with travel perks and an annual total that does not add up

    
The agent's request. Please quote a Standard Mastercard consumer debit program for 150 thousand cards, with travel perks. Go-live is in 20 weeks on a 5 year term. The quote states $18,480 a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Travel perks need World or World Elite. The travel perks package is part of World and World Elite Mastercard, not Standard.
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  • Stated annual total does not match. The quote states 18,480 dollars a year; the modeled rates give 24,480 dollars.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares an annual program quote for a card issuer: the card tier, credit or debit, consumer or business, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the program rules and returns a verdict, every reason and the total it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote a Standard Mastercard consumer credit program for 30 thousand cards, with travel perks, lounge access, concierge, Decision Intelligence and Click to Pay. Go-live is in 10 weeks on a 5 year term. The rest of the request is on screen. The quote states $70,272 a year.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with seven findings, all in one answer. The travel perks package is part of World and World Elite Mastercard, not Standard. Priority Pass airport lounge access is a World Elite Mastercard benefit. The phone concierge service is a World Elite Mastercard benefit. The other four are on screen.
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  6. The validator returned seven blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for a total built from volume, benefits, services and term, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the tier to World Elite, the cards to 60, the network services to MDES tokenization, Decision Intelligence, Click to Pay, the go-live to 30 weeks and the stated annual total to 139,776.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All seven earlier findings are cleared.
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  13. Seven problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.