3. Maintaining Mandatory Information

As part of capturing customer related information in Oracle FLEXCUBE you need to maintain Customer Information Files (CIF records) for each entity who is a customer of your bank. Apart from creating CIF records for each entity you need to maintain certain mandatory information. These details have been discussed in the preceding sections.

This chapter contains the following sections:

3.1 NSF Level Maintenance

This section contains the following topics:

3.1.1 Maintaining NSF Cheque Level

Oracle FLEXCUBE supports cheque processing through web branch screen and generic interface upload routine facility. You can maintain customised Non Sufficient Fund Cheque level and the components associated with NSF level in ‘NSF Level Maintenance’ screen.

You can invoke the ‘NSF Level Maintenance’ screen by typing ‘STDNSMNT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can specify the following in this screen:

NSF Level

Select the NSF level code to which the configuration is maintained from the adjoining option list.

Description

The system defaults a brief description about NSF Level.

Order

Specify the internal order of the NSF levels.

Expiry Period NSF (Months)

Specify the Expiry period for the NSF level from the first NSF return.

Expression

Specify the formula expression to identify the NSF level of the customer.

Actions Details

Action Component

Specify the action component. It is executed when the customer status is changed to the level that is maintained in NSF level.

Description

The system defaults a brief description on the action component.

Action Order

Specify the order in which selected action code has to be triggered.

Note

NSF level is defined in the status code definition screen STDSTCOD and system allows the user to select the code in NSF level maintenance screen.

Note

The following SDEs are provided for construction the formula and is used to arrive NSF level changes:

S.No

SDE Name

Remarks

1

CHEQUE_AMOUNT

Amount of the cheque which has been rejected for NSF

2

NSF_COUNT

Number of NSF returned cheques for the validation period

3

CUSTOMER_TYPE

Type of the customer who has presented the NSF cheque

4

CB_BK_STATUS

The active Central bank blacklist status of the customer.

SDE will return “Y”, if the customer is blacklisted in cen­tral bank, “N”, if the customer is not a blacklisted in cen­tral bank.

3.1.2 Action Components in NSF Level

As part of NSF validation functionality predefined NSF action components are provided. System triggers the mapped NSF action components whenever the customer status is changed to the new status.

 

 

 

 

 

 

 

Action Code

Description

MARK_BLACK­LIST_CUST

Mark the customer as blacklisted customer.

Cheque return in clearing/counter due to NSF , Mark the customer as blacklisted customer (0 – Blocked Data) , effective date will be the date on which the customer is marked as blacklisted, the expiry date will be the applica­tion date + expiry period of the active NSF level.

Suppose, action component is assigned to SP3 level and the expiry period is set as 12Months, and the customer is blacklisted on 10-Jan-2010, then the expiry period would be 10-Jan-2011

In case the customer is already blacklisted customer, then the effective date will be recomputed. if the newly arrived expiry date is greater than the existing expiry date, then the new expiry date will be updated as the expiry date for that customer.

Cheque return in clearing/counter due to NSF for the cus­tomer who is already blacklisted in Central bank, then cus­tomer will be marked as blacklisted customer (1 – Extended Data)

Customer is part of the Central bank blacklisted customer (2 - Blocked data by Central bank)

UNMARK_­BLACK­LIST_CUST

Mark the customer as non-blacklisted customer, only if the customer blacklist status got expired. Otherwise system will keep the customer as blacklisted customer.

In case the customer is part of the Central bank blacklisted customer (2 - Blocked data by Central bank)

BLACK­LIST_CUST_ACC

Mark all customer accounts as blacklisted accounts

Based on the bank level parameter “Account consideration for action”, system will mark current accounts / savings accounts / all current & savings accounts as blacklisted accounts.

In case “Current account” is selected, then system will mark all current accounts as blacklisted account

In case “Savings account” is selected, then system will mark all Savings accounts as blacklisted account

In case “Both” is selected, then system will mark all current accounts and savings accounts as blacklisted account

For joint accounts, in case any one of the joint customer is marked as blacklisted customer, then the joint account will be blacklisted.

UNBLACK­LIST_CUST_ACC

Unlock all customer accounts, only if the customer is not a blacklist customer

REVOKE_CH­Q_ISSUE_FSLTY

Revoke the cheque Issue facility from customer accounts (based on the bank level parameter “Account consideration for action”)

GRANT_CHQ_IS­SUE_FSLTY

Grant the cheque issue facility to all customer accounts (based on the bank level parameter “Account consideration for action”) only if the account is not a blacklisted account. If the account is blacklisted account, then system will not grant the cheque issue facility

System will grant the cheque issue facility only if the issue facility is revoked by the system. Manually revoked check issue facility will not be grated.

MARK_NS­F_OVER_COUNTER

Mark the Customer – Web branch NSF cheque status as “3”. (This status will be marked as NULL after the hand off)

Note

System grants cheque issue facility only if the cheque issue facility is revoked through the NSF process. If the cheque issue facility is revoked manually, then system does not grant the cheque issue facility.

3.1.3 Advice Button

Click on the Advice button in the NSF level maintenance screen to invoke NSF Advice screen.

NSF Level

The system defaults the NSF Level code to which advice is configured.

Description

The system defaults the description for the NSF level.

From Level

Select the source of your NSF level which has been moved to target level (SP1 level).

Description

The system defaults the description of the from level

Message Type

Select the Message type from the adjoining option list.

Description

The system displays the description for the advice message.

Suppress

Check this box to suppress the message.

Format

Select the advice format from the adjoining option list.

Note

3.1.4 Maintaining NSF Cheque Parameter

You can capture the NSF validation related parameters in the NSF Cheque parameters screen. You can invoke this screen by typing ‘STDNSFPR’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

NSF Cheque Validation – Parameters

NSF validation period (months)

Specify the period during which the NSF validation is considered for cheque return.

Expiry Date Holiday Rule

Select the Expiry Date Holiday Rule from the drop down list.

The options are:

NSF Rejection Code

Select the reason for NSF rejection from the adjoining option list.

Account for Consideration

Select the type of accounts to be considered for NSF return from the drop down list.

The options are:

Note

Treatment of Same Cheque NSF Return

Rejection Status Treatment

Select the rejection status treatment from the drop down list.

The options are:

The system displays the error message on processing of cheque after clearing days: as “Cheque No XXX1 of account XXXXXXX01 cannot be used again as the clearing days have exceeded.”

Action for NSF Blacklisted Customers

Accounts consideration for Action.

Select the accounts considered for blacklisting actions from the drop down list.

The options are:

Note

NSF Cheque Clearance

Clearance allowed

Check this box to indicate if the cheque is Cleared within the clearance period.

Clearance with in (days)

Specify the time span for clearance of NSF returned cheque.

Note

3.1.5 Mutual Settlement Transaction

You can settle the NSF rejected cheque transaction through offline settlement in “Mutual Settlement Transaction’ screen. You can invoke this screen by typing ‘STDNSFMS’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

If the settlement transaction status is settled then the system executes the NSF formula for all the NSF cheque transactions except NSF transaction.

Specify the following here:

Reference No

System defaults the unique reference number to identify the manual settlement transaction.

Customer Details

Customer No

Select the customer number from the adjoining option list.

Customer Name

Specify the name of the customer.

Manual Settlement

Settlement Transaction Status

Select the settlement transaction status from the drop down list.

The options available are:

Remarks

Specify the remarks for the manual clearance.

Cheque Details

Cheque No

Select the cheque number from the adjoining option list.

CG Ref No

System defaults the clearing reference number based on the cheque number.

Branch Code

System defaults the bank code to which the cheque has been cleared.

Cheque Date

System displays the value date of the cheque transaction.

Transaction Date

System displays the date of transaction for the cheque.

Cheque Amount

System displays the cheque amount.

Cheque Process Status

System defaults the current cheque processing status.

3.2 Maintaining Narratives

The ‘Narrative Maintenance’ screen allows you to define the format of a Detailed Account Statement.

Invoke the ‘Narrative Maintenance’ screen, by typing ’ CSDSTNRT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

If you are defining the details of a new record, choose new from the Actions Menu, or click new icon from the toolbar. The ‘Narrative Maintenance’ screen is displayed without any details.

After you have entered all the details of a record, save the record using one of the following methods:

While maintaining narratives, if you choose the narrative type for a module the prompt codes maintained for this module are displayed. You can choose the relevant prompt code from the option list.

For the FT module, the prompt codes can be the following:

For the above prompt codes you have to enter the descriptions in the desired language. For instance the description for FT-EVENTDESC can be maintained as EVENT DESCRIPTION in the English language.

The Account statement for the above maintenance will look like EVENT DESCRIPTION – REVERSAL, where reversal is the actual event happening. The word REVERSAL itself is picked up from the same screen for Event type of narratives.

Note

The same logic applies to the other type of narratives

3.3 Instruction Maintenance

This section contains the following topics:

3.3.1 Maintaining Customer Instruction Details

‘Instructions Maintenance’ screen allows you to maintain instructions for customers / Accounts with the current branch as the local branch. You can capture the instructions for each customer or account. You can describe the instruction in ‘instruction Description’ field. Instruction pops-up when you press the hot-key ‘F6’.

Invoke this screen, by typing ‘CSDINSTR’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Click the new button on the Application toolbar.

You need to specify the following details.

Memo ID

System displays a unique, system generated memo ID which is associated with customer or account.

Branch Code

System displays the branch code of the customer.

Category

Select ‘Customer’ to maintain the memo for the customer. Select ‘Account’ to maintain the memo for the account

Customer / Account Number

Specify the required Customer / Account Number from the list of values maintained.

Customer / Account Name

System displays the customer ID or account name in this field.

Instruction Id

Unique ID for the instruction is displayed here.

Display Type

Select appropriate display type from the drop-down list.

Instruction Description

Describe the actual instruction here. You can describe the instructions in detail as there is no restriction over the number of lines. Described instruction pops-up when you press the hotkey ‘F6’.

Instruction Date

Specify the date on which the instruction is added. You can select the date from the adjoining calendar. System displays the application date here; however, you can modify the date to the future date.

Note

Instruction date cannot be a past date.

Instruction Expiry Date

Specify the date on which the instruction will expire. You can select the date from the adjoining calendar. The instruction will not be displayed if the expiry date is greater than the application date.

Note

You can query, modify and amend other branch transactions only through the summary screen

Counterparty Name

The system displays the name of the specified counterparty based on the details maintained at ‘Customer Maintenance’ level.

Module Code

Specify the module code for which memo instructions are maintained for a customer. Alternatively, you can select the module code from the option list. The list displays all valid module code maintained in the system.

You can maintain memo instruction for a customer either for a particular module or for all modules. To maintain memo instruction for all modules, select '**' from the option list.

3.3.2 Viewing Customer / Account Instructions on ‘F6’ Key-Press

All the instructions maintained in the ‘Instructions Maintenance’ screen can be viewed in the ‘Customer Instructions View’ screen. To invoke this screen, press the hot-key ‘F6’ on customer Id / account number.

If you have selected ‘Display Type’ as ‘Informative’ or ‘Both’ in ‘Instruction Maintenance’ screen, then the instruction will be displayed in the following ‘Customer Instruction View’ screen by pressing the hot key ‘F6’ at the time of saving the input stage and authorizing the transaction.

In the ‘Instruction Maintenance’ screen, If you press ‘F6’ in the ‘Customer ID’ field, the system fetches all the instructions of the selected customer and module specified. If you press F6 in the‘Account Number’ field, the system fetches all the instructions of the contract.

The ‘Customer Instruction View’ screen will be launched with all the instructions maintained for the customer / account

The following Details can be viewed in this screen:

3.3.3 Viewing Customer / Account Instruction Details in Override Screen

If you have selected ‘Display Type’ as ‘Override’ or ‘Both’ in ‘Instruction Maintenance’ screen, then the instruction will be displayed in the following ‘Override’ screen at the time of saving the input stage and authorizing the transaction.

Select the message and click ‘Post’ to over ride the message.

3.3.4 Viewing the Instructions Summary

You can view the summary of instructions in the ‘Instructions Summary’ screen. It displays the status of the records maintained, whether it is authorized, unauthorized or rejected.

You can invoke this screen by typing ‘CSSINSTR’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

System displays the following details pertaining to the fetched records:

Note

You can query, modify and amend other branch transactions through the summary screen only.

3.4 Lead Details Maintenance

This section contains the following topics:

3.4.1 Maintaining Lead Details

You can capture details of products and offers that are rendered to a customer and the response of the customer to the same in the ‘Lead Input’ screen. To invoke this screen, type ‘STDLEDMT’, in the field at the top right corner of the Application toolbar and click the adjoining arrow button.

Specify the following details:

Lead Id

The system displays the lead identification number.

Customer No

Specify the customer identification number whose request is being maintained. The adjoining option displays all the customer numbers that are maintained in the system. You can choose the appropriate one.

E-mail

The system will display the customer’s email address based on the customer number selected.

Telephone

The system will display the customer’s contact number based on the customer number selected.

First Name

The system will display the customer’s first name based on the customer number selected.

Last Name

The system will display the customer’s last name based on the customer number selected.

Address 1, 2, 3, and 4

Specify the address line 1, 2, 3, and 4.

Areas of Interest

Specify the area in which the customer is having interest.

Remarks

Specify any additional information, if any.

3.4.2 Product Code Tab

Specify the product details:

Product Code

Specify the product code which is to be associated to the customer. The adjoining option list displays all the product code that are maintained in the system. You can select the appropriate one.

Product Description

The system displays a brief description of the product.

Interested Flag

Check this box to indicate that the product that is selected should be included in the lead creation.

3.4.3 Offer Details Tab

Specify the offer details:

Offer Code

Specify the offer code that is rendered to the customer. The adjoining option list displays all the offer code that are maintained in the system. You can select the appropriate one.

Offer Description

The system displays a brief description of the offers that are offered to the customer.

Response

Choose the offer response from the drop-down. The options available are:

3.5 Service Request Maintenance

This section contains the following topics:

3.5.1 Maintaining Service Request Input Details

You can maintain the customer and non-customer’s request\complaints in the ‘Service Request Input’ screen. To invoke this screen, type ‘STDSRQST’ in the field at the top right corner of the Application tool bar and click the adjoining arrow button.

You need to maintain the following details:

Customer Details

Specify the following details:

Requestor Type

Select the type of requestor from the adjoining drop-down list. This list displays the following values:

Customer No

Specify the customer identification number whose request is being maintained. The adjoining option displays all the customer numbers that are maintained in the system. You can choose the appropriate one. This field will be enabled only if the requestor type is selected as ‘Customer’.

Short Name

The system will display the customer’s short name based on the customer number selected.

Full Name

The system will display the customer’s full name based on the customer number selected.

Telephone

The system will display the customer’s contact number based on the customer number selected.

Mobile Number

The system will display the customer’s mobile number based on the customer number selected.

E-mail

The system will display the customer’s email address based on the customer number selected.

Subject

Specify the subject matter of the request\complaint.

Description

Specify the brief description of the request\complaint.

Service Details

Specify the following details:

Service Request Type

Select the service request type from the adjoining drop-down list. This list displays the following values:

Service No

The system generates the service request number.

Branch Code

The system displays the branch

Account No

The system will display the customer’s account number based on the customer number selected.

Priority

Select the priority of the request\complaint from the drop-down list. This list displays the following values:

Status

Select the status of the request\complaint from the drop-down list. This list displays the following values:

Nature

Select the nature of the request\complaint from the drop-down list. This list displays the following values:

Criteria

Select the criteria of the request\complaint from the drop-down list. This list displays the following values:

Contact Date

Specify the date on when the request or compliant is made.

Target date

Specify the date on when the request or compliant is to be closed.

Activation Date

Specify the date on when the request or compliant is activated.

3.5.1.1 Lead Button

You can maintain both the customers and non –customer details in the ‘Lead Input‘ screen by clicking ‘Lead’ button in the ‘Service Request Input’ screen. The following screen will be displayed.

For more details on the Lead Input screen, refer the ‘Maintaining Lead Details’ section of this user manual.

3.5.2 Viewing Service Request Details

You can view the summary of service request details in the ‘Service Request’ screen. To invoke this screen, type ‘STSSRQST’ in the field at the top right corner of the Application tool bar and click on the adjoining arrow button.

The screen is as shown below:

You can query on records based on any one or all of the following criteria:

Click ‘Search’ button. The system identifies all records satisfying the specified criteria and displays the following details for each one of them:

3.6 Maintaining Location Details

While maintaining Customer Information details through the CIF Maintenance screen, in addition to indicating the name of the country in which your customer resides you can also choose to specify the name of the region or locality where your customer stays. For instance, Silas Marner, a customer of your bank is a Londoner, Great Britain is his country of residence. He lives in the northern part of London; therefore North London becomes the location where he resides.

Location codes, along with a brief description of the locality can be maintained through the ‘Location Details’ maintenance screen.

Invoke the ‘Location Maintenance’ screen, by typing ‘STDCULOE’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Location Code

You can capture a unique three-character code to identify the locality where the customer resides.

Note

While maintaining customer information details and associating a location code with a Customer and Country Code combination, a list of all the valid location codes you have maintained in this screen will be available in the option list for the Location Code field. You can select the appropriate code.

Description

You can also associate a brief description with the location code. This description is for information purposes only and will not be printed on any customer correspondence.

Note

While maintaining the Customer Short Name in the ‘CIF Details’ screen the system auto­matically appends the Location code to the customer short name when you associate the appropriate Location Code with the Customer Code.

3.7 Capturing Algorithm Details in Oracle FLEXCUBE

In Oracle FLEXCUBE, you can choose to generate check-digits for Customer Accounts based on the algorithm of your choice. You can define algorithms of your choice through the ‘Algorithm Maintenance’ screen. Invoke this screen by typing ‘CSDALGMN’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

In this screen, you should specify the following details:

Note

After you capture the details of a new algorithm you must ‘write’ the algorithm through the ‘Algorithm Procedure Generation’ screen

3.8 Generating Procedure for Algorithm

For every algorithm that you define through the ‘Algorithm Maintenance’ screen must write the algorithm generation rule through the ‘Algorithm Generation Input’ screen.

Invoke this screen by typing ‘ ‘CSDALGEN’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

Since the access to this screen is restricted to only a few authorized users at your branch level, you will be allowed to invoke the screen only if you have the requisite rights.

In this screen, you can specify:

You must enter the algorithm rule in the form of PL/SQL code. After writing the PL/SQL code, click ‘Execute’ button to compile the code. The algorithm rule is validated by the system and the success or failure message is shown in the Error editor. Click ‘Errors’ button to view the errors.

If any checks fail, you must alter the statement so that the validation can be made successfully. The algorithm is generated on Authorization of the rule.

Click the ‘Clear’ button, the Algorithm Rule editor and the Error editor will be cleared for you to enter a new rule in the field.

Note

The System provides two pre-defined key elements both for Check Digit Generation and Validation type of algorithms. They are:

You will not be allowed to enter the following keywords in an Algorithm Rule:

Once defined, you will not be allowed to unlock and amend the following fields:

You can refer the Clearing user manual for more information

3.9 Maintaining Deposits Instructions

You can maintain deposits instructions for auto created deposits. The values you specify here will override the parameters you have maintained in the Account Class maintenance. Invoke the ‘Deposits Instruction’ screen from the Application Browser to maintain the deposits instructions specifically for the auto created deposits. To invoke this screen type ‘ICCINSTR’ in the field at the top right corner of the Application tool bar and click the adjoining arrow button.

The screen is as shown below:I

You can set the terms and a condition for a deposit as follows: