Visa has made it easier for financial institutions to manage their customers online with its most recent upgrade to VisaNet, the company said Wednesday, InternetNews reports. Member banks can now use the payment system to manage consumer credit card portfolios at the customer level, allowing them to target offers and rewards to individuals rather than groups. Merchants now also have the ability to tag a medical purchase as qualified for reimbursement under employee benefits plans, so that plan administrators don't need paper receipts with reimbursement requests.