2. Payments Maintenance

Oracle FLEXCUBE Payments aims at providing a payment solution which cater to requirements of both Retail/Corporate segments.

This chapter enumerates the maintenance of reference information used by the Payments. It is possible to maintain preferences and parameters applicable for different payment types using the maintenances available. In addition to common maintenances, certain common processes which are applicable across payment types are explained as well.

2.1 Payment Maintenances

Generic maintenances helps in defining various parameters as required by the bank, for payment processing.

2.1.1 Source Maintenance

Source maintenance screen is used to identify an external system or source from which payments system receives a payment request.

You can invoke the ‘Source Maintenance’ screen by typing ‘PMDSORCE’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

Source codes are defined Host specific. User’s logged in Host is defaulted while creating a new source code.

You can specify the following fields:

Source Code

Specify a unique source code.

Description

Specify a brief description on the source code.

Source Type

Select the source type from the drop-down list. The list displays the following values:

• Upload
• Manual Input

MIS Group

Select the required MIS Group.

UDF Group

Select the required UDF Group.

Prefunded Payments

Prefunded Payments Allowed

Check this box to indicate that Pre funded payments are allowed for the transaction.

Prefunded Payments GL

Specify the required Prefunded Payments GL from the list of values.

Duplicate Check Fields

Duplicate Check Required

Check this box to indicate that Duplicate Check Required is required.

Duplicate Check Period in Days

Specify the days used for Duplicate Check.

2.1.2 Duplicate Check Fields

You can capture Duplicate Check Fields information.

You can invoke the ‘Duplicate Check Fields sub-screen in Source Maintenance Screen by clicking the “Duplicate Check Fields” link present at the bottom of the screen.

Specify the following details.

Duplicate Check Fields

Duplicate Check Required

Check this flag if duplicate check is applicable to the source.

Duplicate Check Period in Days

Specify the duplicate check period in days. Transactions booked during duplicate check period is compared to find the duplicate transactions.

Field Name

The fields based on which duplicate check has to be performed for a payment transaction if ‘Duplicate Check Required’ flag is checked.

The following are the fields listed:

• Transfer Currency
• Transfer Amount
• Debtor Account (if IBAN is required for a network Debtor IBAN field is considered)
• Creditor Account (if IBAN is required for a network Creditor IBAN field is considered)
• Creditor Bank BIC
• Debtor Bank BIC
• Creditor Bank Code
• Debtor Bank Code
• Customer Number
• End to End Id
• Transaction Id
• Network

Description

The system shows the description of the field depending on the field chosen.

2.1.3 Source Response Details

• JSON response is generated for a Payment Request that is received from JSON Over JMS Channel i.e., an MDB Channel.
• JSON Response is delivered via JMS Queue.
• Source Response Details sub screen is added in Source Maintenance screen for capturing JMS Queue details for delivery of JSON Responses.

You can invoke the ‘Source Response Details sub-screen in Source Maintenance Screen by clicking the “Source Response Details” link present at the bottom of the screen.

Specify the following details.

Source Response Details

Initial Context Factory Class

Specify the initial context factory class.

Context Provider URL

Specify the context provider URL.

Queue Factory JNDI

Specify the queue factory JNDI.

Response Queue JNDI

Specify the Response Queue JNDI.

2.1.4 Viewing Source Maintenance

You can view all payment sources maintained in the system using ‘Source Maintenance Summary’. You can invoke the ‘Source Maintenance Summary’ screen by typing ‘PMSSORCE’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Source Code
• Description
• Source Type
• Host Code

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed source maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.5 Network Maintenance

You can maintain clearing network that supports local payments using ‘Network Maintenance’ screen.

Every network code is linked to a payment type and host code. The same Network code is allowed to be maintained with multiple host combinations.

You can invoke the ‘Network Maintenance’ screen by typing ‘PMDNWMNT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar..

You can specify the following fields;

Network Code

Specify a unique code for the network.

Network Description

Specify a brief description on the network code.

Host Code

Host Code is defaulted as your logged in Host.

Payment Type

Select the payment type from the drop-down list. The list displays the following values:

• ACH
• Book Transfer
• RTGS
• Faster Payment
• Cross Border
• Direct Debits

Network Service ID

Specify the ISO clearing identification code. Alternatively, you can select the network service ID from the option list. The list displays all valid network service IDs maintained in the system.

Network Identifier

Specify the Network identifier from the LOV.

Proprietary Service ID

Specify the proprietary service ID if the network service ID is proprietary in nature.

Network BIC

Specify the network BIC. Alternatively, you can select the network BIC from the option list. The list displays all valid network BIC maintained in the system. This is used in SEPA dispatch file generation.

SWIFT Type

Specify the type of SWIFT. Select any one of the following:

• FIN
• FIN Y-COPY

Sender Notification Required

Check this box to request MT012 for the outgoing RTGS message.

Network Directory Key

Specify the network directory key from the LOV.

Tranche Number

Select the required Tranche Number.

Network Processing Preferences

IBAN Validation Required

Select whether IBAN validation is required from the drop down list. Options are as follows:

• Yes
• No

This field is not applicable for the payment type ‘Book Transfer’.

Network Participation

Select the bank’s network participation type from the drop-down list. The list displays the following values:

• Direct
• Indirect

Bank Network Identifier

Select the bank network identifier from the drop-down list. The list displays the following values:

• SWIFT BIC - If SWIFT BIC is selected, then the SWIFT addresses maintained for the bank in local bank code directory will be used for bank identification.
• Local Bank Code - If Local Bank Code is selected, the bank codes maintained in Local Bank Directory will be applicable for bank identification.

Network Cutoff Time

Network Time zone

The system defaults the time zone applicable for the host.

Cutoff Hour

Specify the network cut-off hour.

Cutoff Minute

Specify the network cut-off minute.

2.1.6 Viewing Network Maintenance Summary

You can view a summary of network using ‘Network Maintenance Summary’ screen. To invoke this screen, type ‘PMSNWMNT’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search for the networks using one or more of the following parameters:

• Authorization Status
• Record Status
• Network Code
• Payment Type

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button

2.1.7 Network Preference

You can maintain network preferences for combination of Network and transaction type using ‘Network Preference’ screen.

In this screen, you can specify the following preferences:

• Exchange Rate Preferences
• Sanction System Preferences
• Charge Claim Preferences
• Exception Preferences for Domestic Low Value Payments
• Faster Payment Preferences

You can invoke the ‘Network Preference’ screen by typing ‘PMDNWPRF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar..

You can specify the following fields;

Network Code

Specify the network code. Alternatively, you can select the network code from the option list. The list displays all valid network codes applicable for the logged in Host, maintained in the system.

Network Description

The system displays the network code description.

Host Code

Host code is defaulted as the logged in Host.

Payment Type

The system displays the payment type based on the network code selected.

Transaction Type

Select the payment transaction type from the drop-down list. The list displays the following values:

• Incoming
• Outgoing

Exchange Rate preferences

FX Rate Type

Specify the FX rate type. Alternatively, you can select the FX rate type from the option list. The list displays all open and authorised exchange rate types maintained in the system.

Rate Override Variance

Specify the rate override variance.

If the variance between the exchange rate manually provided for a payment with internal rate exceeds the override limit specified, then the system displays a message and the transaction is saved.

Rate Stop Variance

Specify the rate stop variance. The system displays an error message if the exchange rate variance exceeds the stop limit.

External Exchange Rate System Applicable

Check this box to receive the exchange rate from the external system.

Note

External rate fetch is applicable only if the transfer amount is above the small FX limit maintained in Network Currency preferences (PMDNCPRF).

Domestic Low Value Payment for Outgoing

Recall Allowed

Check this box if the network allows recall of an outgoing payment already sent.

Recall Days

Specify the number of days within which the payment originating bank has to recall an outgoing payment.

Return Days

Specify the number of days within which the beneficiary bank has to return an incoming payment which cannot be credited to creditor account. Return days are always be considered as working days based on Network holidays. For an incoming return processing, the system validates whether the return is being processed within the allowed number of days from incoming payment settlement date.

Recall Response Days

Specify the number of days within which the beneficiary bank has to respond to an incoming recall request.

Recall days will always be considered as working days based on Network holidays.

While doing recall response processing, it is validated whether the response is being processed within the allowed number of days from recall received date.

Domestic Low Value Payment for Incoming

Recall Allowed

Check this box if the network allows recall of an incoming payment.

Return Days

Specify the number of days within which the payment originating bank has to return an incoming payment.

Return Days

Specify the number of days within which the beneficiary bank has to return an incoming payment which cannot be credited to creditor account. Return days are always be considered as working days based on Network holidays. For an incoming return processing, the system validates whether the return is being processed within the allowed number of days from incoming payment settlement date.

Recall Response Days

Specify the number of days within which the beneficiary bank has to respond to an incoming recall request.

Recall days will always be considered as working days based on Network holidays.

While doing recall response processing, it is validated whether the response is being processed within the allowed number of days from recall received date.

Faster Payment Preferences

Time-out period

You can specify time out period in seconds for receiving the response from the CI (Clearing Interface) for an outward Faster payment sent earlier.

Number of Re-tries

Number of times the Faster Payment outward message can be re-sent if a response is not received for the original outward message or the previous re-tried message. This is defaulted and fixed to “1” currently.

2.1.8 Viewing Network Preference

You can view a summary of network preferences using ‘Network Preference Summary’ screen. To invoke this screen, type ‘PMSNWPRF’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization status
• Record status
• Transaction Type
• Network Code
• Payment Type

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed Network Preference screen. You can also export the details of selected records to a file using ‘Export’ button

2.1.9 Network Currency Preferences

You can maintain all currency related parameters for a Network and transaction type combination using ‘Network currency preference’ screen.

You must maintain network currency preferences for all transfer currencies allowed for the network.

For book transfer payments, network currency preference for the allowed credit currencies is needed to be maintained.

You can invoke the ‘Network Currency Preference’ screen by typing ‘PMDNCPRF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar..

You can specify the following fields:

Network Code

Specify the network code. Alternatively, you can select the network code from the option list. The list displays all valid network codes applicable for the logged in Host.

Network Description

The system displays the network code description.

Host Code

The system displays the host code based on logged in Host.

Payment Type

The system displays the payment type based on the network code.

Transaction Type

Select the transaction type from the drop-down list. The list displays the following values:

• Incoming
• Outgoing

Transfer Currency

Specify the transfer currency. Alternatively, you can select the transfer currency from the option list. The list displays all valid currency codes maintained in the system.

Limits Details

Minimum Amount

Specify the minimum transaction amount.

Maximum Amount

Specify the maximum transaction amount.

Note

Payments booked should have transaction amount between the minimum and maximum amount specified in the transaction currency. If the transaction amount is not in the spec­ified range, the system displays an error message.

Small FX Limit

Small FX Limit Currency

Specify the small FX limit currency code. Alternatively, you can select the currency code from the option list. The list displays all valid currency codes maintained in the system.

For payments with cross currency conversions, the transfer amount is converted to equivalent amount in the small FX limit currency and is compared with small FX limit amount. If the amount is less than the limit specified, then the internal rates maintained in the system is picked up for currency conversion.If it is more than the limit specified, and if external exchange rate is not applicable, then payments are moved to exchange rate queue. If external exchange rate is applicable, then request is sent to External Rate system.Payment is logged n External Exchange Rate Queue if the rate is not obtained from External system.

If no limit is maintained, then limit check is skipped and internal rates are applied for the payment.

Pricing Details

Pricing Code

Specify the pricing code applicable to the Network, transaction type and currency. You can also select the pricing code from the option list. The list displays all valid pricing codes maintained in the system.

Recall Acceptance Price Code

Specify the Recall Acceptance price code. This is applicable to domestic low value payments based on the Network support available for recall acceptance charges. Alternatively, you can select the pricing code from the option list. The list displays all valid Recall Acceptance Price codes maintained in the system.

Note

The option list has a list of all price codes with single component linkage.

Bank Transaction Pricing Code

Pricing code applicable for Bank transfers can be specified in this field.

GPI Pricing Code

Specify the GPI Pricing Code from the list of values. This Pricing Code is applicable to cross-border transactions that are GPI enabled.

Accounting Codes

Debit Liquidation

Specify the accounting code for debit liquidation. Alternatively, you can select the debit liquidation code from the option list. The list displays all accounting codes where main transaction is maintained with debit indicator.

Credit Liquidation

Specify the accounting code for credit liquidation. Alternatively, you can select the credit liquidation code from the option list. The list displays all accounting codes where main transaction is maintained with credit indicator.

Dispatch/Receipt Accounting

Specify the accounting code for dispatch accounting. Alternatively, you can select the dispatch accounting code from the option list. The list displays all valid codes maintained in the system.

Note

• Dispatch accounting is applicable to outgoing domestic low value payment files. Accounting code needs to be maintained for Transaction type 'Outgoing' if Dispatch accounting is required.
• Receipt accounting is for incoming files. Accounting code needs to be maintained for Transaction type 'Incoming' if Receipt accounting is required.

Consol Bank Transfer

Accounting code for cross-border consolidated bank transfer can be specified in this field.

Receiver Charge Income

Accounting code for receiver charge income posting for cross-border payments can be specified in this field.

Authorization Limits

Authorization Limit 1

Payment Transactions are moved to Authorization Limit 1 Queue if transaction amount exceeds the authorization limit 1 maintained.

Authorization Limit 2

The transactions are moved to Authorization Limit Level 2 Queue if transaction amount exceeds the authorization limit 2 maintained.

Note

Authorization Limits should be greater than or equal to Minimum Network Limit maintained and should be less than or equal to Maximum Network Limit. Authorization Limit 2 should be greater than Authorization Limit 1.

• Payment transactions is be moved to Authorization Limit Level 1 Queue if transaction amount exceeds the authorization limit 1 maintained for Payment transactions.This check is done after initial validations.
• The transactions will be moved to Authorization Limit Level 2 Queue if transaction amount exceeds the authorization limit 2 maintained.
• These checks will be applicable for both channel and user input transactions. These checks are not applicable for payments processed in bulk.
• Authorization limits check are applicable for
  • Domestic Low Value Payments (ACH)
  • Book Transfer
  • Domestic High value Payments (RTGS)
  • Cross border Payments

Return Accounting

Payment Return GL

Specify the Return GL code. Alternatively, you can select the GL code from the option list. The list displays all GL codes maintained in the system.

Note

Return GL is used in scenarios when the incoming payment processing could not be com­pleted and return is initiated from queues.

Network Account Details

Network Account

Specify the Network Account.

2.1.10 Viewing Network Currency Preference

You can view summary of network currency preferences using ‘Network Currency Preference Summary’ screen. To invoke this screen, type ‘PMSNCPRF’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Network Code
• Transaction Type
• Record status
• Transfer Currency

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed Network Currency Preference screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.11 Source Network Preferences

You can maintain Source Network Preferences for capturing preferences at source and network level for each transaction type.

Usage of Source Network Preferences

• External system Communication Method preference can be maintained for a network & source. Options available are ‘Synchronous’ & ‘Asynchronous.
• If ‘Synchronous’ option is chosen, after sending requests to external systems, system waits for response as part of the same session. For an asynchronous call, session is broken before the response is received.
• If Asynchronous option is chosen and external system processing is involved for a transaction, on authorization of a payment transaction, you will receive the message ‘Transaction is submitted for processing’. End status of the transaction processing is not be available as part of information message displayed.
• For Cross-border networks, the system allows asynchronous communication method only with external systems.For Faster Payments, synchronous method is followed.
• Authorization re-key required flag is added in Source Network preferences.If re-key is required, it is possible to maintain the re-key fields applicable.
• The list of fields is populated based on the payment type linked to the Network selected.
• Static maintenance is provided for populating available field values for each payment type/transaction type.
• All applicable re-key fields is part of the Authorization screen.For any of the available fields, if re-key is not applicable, actual field values are populated by system and the fields are disabled in authorization screen. In authorization screen, fields for which re-key is applicable will be null and editable by user.
• On processing authorization, the system checks whether re-key values by the authorizer are matching with actual values available as part of transaction details.
• Generation and delivery of JSON Notification to Initiating Channel for Sanctions and ECA Reject of Payments and Collections is supported.

You can invoke ‘Source Network Preferences’ screen by typing ‘PMDSORNW’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can specify the following fields:

Host Code

Defaults the Host Code of the logged in branch.

Source Code

Specifies all valid source codes applicable.

Source Description

Displays the description of the source code.

Network Code

Specifies all valid network codes applicable to the host.

Network Description

Specifies the description of the network.

Payment Type

Specifies the type of payment linked to the network.

Transaction Type

Specifies the type of transaction. The options are Outgoing and Incoming.

Notify Sanction Rejection

Check this box to indicate that failure of Sanctions Check must be notified.

Notify ECA Rejection

Check this box to indicate that the failure of ECA validation must be notified.

External System Communication Method

Specifies the Communication Method for External System. Choose between Asynchronous and Synchronous.

Authorization Re-key Required

Check this box if Re-key is required for authorization.

Rekey Field Name

Select the required field that requires re-key authorization. All valid fields are listed

Field Description

This field is applicable based on the Rekey field chosen.

Sanctions System

Sanction Check Required

Check this box to introduce a Sanction Check.

Pricing

External Pricing Applicable

Check this box to introduce an External Pricing System Maintenance.

2.1.12 Viewing Source Network Preferences Summary

You can view summary of network network preferences using ‘Network network Preference Summary’ screen. To invoke this screen, type ‘PMSSORNW’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code
• Network Code
• Source Code
• Transaction Type

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.13 Payment Processing Cut off Time

You can define currency wise transaction cutoff time using ‘Payment processing cutoff time’ screen.

You can select applicable source, customer service model or customer, if required. The system displays an error, if processing cut off is maintained for Book transfer networks.

Note

• Cut-off time check is based on the application server time at the time of payment processing.
• Cut-off time maintenance is applicable for payments with ‘Outgoing’ transaction type.

You can invoke the ‘Payment Processing Cutoff Time’ screen by typing ‘PMDCTOFF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar..

You can specify the following fields:

Host Code

This field is displayed as user's logged in Host.

Network Code

Specify the network code. Alternatively, you can select the network code from the option list. The list displays all valid network codes maintained in the system.

Network Description

The system displays the network description.

Payment Type

The system displays the payment type based on the network selected.

Source Code

Specify the source code for which cutoff is maintained. Alternatively, you can select the source code from the option list. The list displays all valid source codes maintained in the system.

Note

You can also select the value ALL, if required.

Customer Service Model

Specify the customer service model for which cut off is maintained. Alternatively, you can select the Service model from the option list. The list displays all valid customer service models maintained in the system.

Note

You can also select the value ALL, if required.

Customer Number

Specify the customer number. Alternatively, you can select the customer number from the option list. The list displays all valid customer numbers maintained in the system.

Note

• If Service model is selected as ALL, then customer number should be selected as ALL only.
• If Service model is selected as specific, then specific CIF numbers of that Service model linkage alone will be listed.

Move forward to next working day

Check this box if the value date should be moved to next working day for post cutoff transactions.

Transfer Currency

Specify the payment currency. Alternatively, you can select the transfer currency from the option list. The list displays all valid currency codes maintained in the system.

Cutoff Hours

Specify the cutoff time in hours.

Cutoff Minutes

Specify the cutoff time in minutes.

Debit Float Days

You can specify Debit float days applicable for the payment.

Credit Float Days

You can specify Credit float days applicable for the payment. Credit Float Days should be greater than or equal to Debit Float Days.

Note

Float days are currently applicable to outgoing Domestic low value/Cross-border pay­ments

2.1.14 Payment Processing Cutoff Time Summary

You can view a summary of payment processing cutoff using ‘Payment Processing Cutoff Time Summary’ screen. To invoke this screen, type ‘PMSCTOFF’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Network Code
• Customer no
• Source Code
• Customer Service Model

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.1.15 Host Parameters

You can maintain parameters for payments at the host level in the ‘Host Parameters’ screen. You can invoke the ‘Host Parameters’ screen by typing ‘PMDHSTPR’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

Host Code

Host Code is defaulted as Host code linked to user's logged in Branch.

External Systems

Sanction Check System

Specify the external sanction check system. Alternatively, you can select the sanction check system from the option list. The list displays all valid sanction check external systems.

Sanction Retry Days

Specify the sanction check retry days. Based on the sanction retry days, the sanctions are performed for future dated payments or current dated payments carried forward to next date.

External Exchange Rate System

Specify the external exchange rate system. Alternatively, you can select the external exchange rate system from the option list. The list displays all valid external exchange rate systems.

External Price Code

Specify the External Price Code. Alternatively, you can select the external price code from the option list. The list displays all valid external price codes.

External Accounting System

Specify the External Accounting System to which the accounting entries are handed off. Alternatively, you can select the external accounting system from the option list. The list displays all valid external accounting systems.

2.1.16 Viewing Host Parameter Summary

You can view summary of exchange rate in the ‘Host Parameters Summary’ screen. You can invoke the ‘Host Parameters Summary’ screen by typing ‘PMSHSTPR’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.1.17 Customer Beneficiary Registration

You can maintain beneficiary registration for outgoing payments. When a channel initiates an outgoing payment, first the channel will query the beneficiary details from the payment system and then send the beneficiary details as part of transaction.

Note

• If Beneficiary ID is maintained for internal transfer, it is mandatory to choose account number available in the list of values.
• Bank Identifier and Beneficiary Bank details are not applicable for internal transfer type Beneficiary ID.

You can maintain the beneficiary details linked to a customer for each account in ‘Customer Beneficiary Registration’ screen. You can invoke the ‘Customer Beneficiary Registration' screen by typing ‘PMDBENRG’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can specify the following fields:

Host Code

The system displays the customer name.

Customer Number

Specify the customer number for whom beneficiary details are maintained. Alternatively, you can select from the option list. The list displays all valid customer numbers maintained in the system.

Customer Name

The system displays the customer name.

Beneficiary ID

Specify the beneficiary ID.

Network Code

Specify the network code from the LOV.

Branch Code

Specify the branch code from the LOV.

Beneficiary Information

For Internal Transfer

Check this box if the beneficiary is within bank.

Beneficiary Name

Specify the name of the beneficiary.

Beneficiary Account Number

Specify the account number of the beneficiary.

Account IBAN

Specify the International Banking Account Number of the beneficiary.

Account Branch

Specify the account number of the beneficiary.

Account Currency

Specify the account currency of the beneficiary.

Beneficiary Bank

Specify the bank BIC of the beneficiary. Alternatively, you can select the beneficiary bank BIC from the option list. The list displays all valid bank BICs. This is mandatory if internal transfer flag is not checked.

Bank Name

The system displays the bank name of the beneficiary.

Beneficiary Identification

Email Id

Specify the email address of the beneficiary.

Mobile Number

Specify the mobile number of the beneficiary.

National Identifier

Specify the national identifier of the beneficiary.

2.1.18 Viewing Customer Beneficiary Registration Summary

You can view the summary of customer beneficiary registration using ‘Customer Beneficiary Registration Summary’ screen. To invoke this screen, type ‘PMSBENRG' in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization status
• Record status

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

• Authorization status
• Record status
• Customer No
• Beneficiary ID

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.1.19 Maintaining Local Payments Bank Directory

The local clearing bank codes are maintained using the Local Clearing Bank Code Maintenance which is used for processing the local clearing payments.

Usage of this screen

• This is a Host level maintenance.
• This screen also provides the details of the clearing network participation (direct/indirect) for each clearing network

You can invoke the ‘Local Payments Bank Directory’ screen by typing ‘PMDBKMNT’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

Specify the following details in this screen:

Host Code

Host Code is defaulted as the Host code linked to user's logged in branch.

Branch Code

Select the branch code from the adjoining option list. Alternatively, you can select branch code from the option list. The list displays all valid branch code maintained in the system.

You can use short name to specify the branch name also.

If you check ‘Main Bank’ check box, then this should be left blank.

The system will allow you to specify the value which is not available in the list.

Bank Code

Specify the bank code with which the processing bank can interact.

Clearing System Code

Specify the corresponding ISO code or clearing system Code in this field.

Clearing System Proprietary

Select the corresponding clearing system proprietary.

Bank Name

Specify the full name of the bank.

Short Name

Specify a short name to identify the bank.

Address 1 to 4

Specify the address of the bank.

City

Specify the city in which the bank is located.

Postal Code

Specify the postal code that forms a part of the address.

Country

Select the country code in which the bank is located, from the adjoining option list. All country codes maintained in the system is displayed in this list.

Main Bank

Check this box if the clearing bank code is for the main bank.

Main Bank Code

Select the clearing bank code of the bank which the branch belongs to. If you have specified a branch code, then it is mandatory to select the main bank code.

Valid From Date

Specify the date from which the clearing payments for the specified bank code is valid.

Valid Till Date

Specify the date till which the clearing payments for the specified bank code is valid.

Swift Address

Select the Swift address of the bank, from the adjoining option list. The list displays all valid swift codes maintained in the system.

International Bank Account Number Mandatory

Check this box, if the IBAN of the bank needs to be accompanied with the payment.

Internal Clearing

Check this box if the creditor bank is one of the internal banks maintained in the system.

Clearing Participation

Network Service ID

The system defaults the network service id.

Network

Select the clearing network from the adjoining option list. All valid clearing networks maintained by system are displayed in this field.

Participant Type

Select the participant type as direct or indirect from the drop down values. If indirect relationship is selected, then the direct participant bank codes along with the direct bank account number will be specified. If a message is received from the indirect participant bank code which is maintained in the local payment bank directory, the system derives the debit account for the payment from the direct bank account number specified for the bank code.

The networks from PMDNWMNT for which participant type is maintained are listed in the option list for Creditor bank BIC in PADOTONL.

Direct Bank Code

This field is enabled if participant type is indirect. Select the direct participant bank code from the adjoining option list.

Addressee

Specify the participant bank account number in this field.

Direct Debit Participation

Specifies if the agent code participates in Direct Debit for the corresponding network.

Note

The network will be used to process payment transactions, if you do not specify this field

Fields

Click the link to specify the field details.

2.1.20 Viewing Bank Maintenance Summary

You can view a summary of network maintenances using ‘Bank Maintenance Summary’ screen. To invoke this screen, type ‘PMSBKMNT’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

 

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Country Code
• Bank code
• Valid From Date

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.21 Maintaining Customer Service Model

Service Model classifies the customers into various level.

You can maintain service models for the customers using ‘Customers Service Model’ screen, invoked from the Application Browser. You can invoke this screen by typing ‘PMDSRMDL’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can specify the following details:

Host Code

Host Code is defaulted as the Host code linked to user's logged in branch.

Country Code

Specify the country code. Alternatively, you can select the country code from the option list. The list displays all valid country codes maintained in the system.

Customer Service Model

Specify the unique service model code for a customer.

Customer Service Model Description

Specify the brief description about the customer service model entered.

Priority

Specify the priority about the customer service model entered.

2.1.22 Viewing Customer Service Model Summary

You can view a summary of network maintenances using ‘Customer Service Model Summary’ screen. To invoke this screen, type ‘PMSSRMDL’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

 

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Country Code
• Customer Service Model
• Priority

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.23 Maintaining Customer Service Model Linkage

You can link a customer to specific customer service model using ‘Customer Service Model Linkage’ screen. To invoke this screen, type ‘PMDCSMLK’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

Specify the following details:

Host Code

Logged in Host is defaulted.

Customer Number

Select the customer number for linking the service model.

Customer Name

Once you select the customer number, the system displays the name of the customer.

Customer Service Model

Specify the customer service model to link the above customer.

Description

The system displays the description once you select the customer service model.

After capturing the above details, save the maintenance.

2.1.24 Viewing Customer Service Model Linkage Maintenance Summary

You can view a summary of network maintenances using ‘Customer Service Model Linkage Maintenance Summary’ screen. To invoke this screen, type ‘PMSCSMLK’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

 

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Customer Number

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.25 Maintaining Network Holidays

This maintenance allows you to specify working days and holidays for the year for the payment network. This function is accessible at a country code.

You can invoke the ‘Network Holidays Maintenance’ screen by typing ‘PMDNWHOL’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button. Click new button on the Application toolbar.

Network Code

Select the clearing network code from the adjoining option list. All valid clearing network codes are displayed in this list.

Host Code

Host code is defaulted based on the Network code selected.

Year

Select the calendar year details for which the network calendar is to be maintained.

Click the Refresh button after populating the above mentioned details. The calendar of the selected year is displayed. Now, you can click the specific dates on the calendar to define the holidays.

As you click a date in the calendar, the system will change the colour of the date text indicating whether it is a holiday or a working day. The colours applied to the text and their indications are as follows.

	Date Text Colour		Indication
	Black		Working Day
	Red		Holiday

The system changes the colour of the text every time you click a date. Click the desired date until you need to set it to the colour as per requirement.

The details on each day of a month are displayed in the ‘Holiday Calendar Details’ section.

2.1.26 Viewing Network Holidays Maintenance Summary

You can view a summary of network holidays maintenances using ‘Network Holiday Maintenance Summary’ screen. To invoke this screen, type ‘PMSNWHOL’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

 

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Network code
• Year

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.27 System Parameters

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

You can capture the following details

Parameter Name

Specify the parameter name. Alternatively, you can select the parameter name from the option list. The list displays all valid parameter names maintained in the system.

Parameter Description

Specify the parameter description.

Parameter Value

Specify the parameter value.

2.1.28 Viewing System Parameter Summary

You can view a summary of system parameters using ‘System Parameter Summary’ screen. To invoke this screen, type ‘PMSSYSPM’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Parameter Name
• Parameter Value
• Parameter Description

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.29 Reject Code

You can invoke the “Reject Code Maintenance” screen by typing ‘PMDRJMNT‘ in the field at the top right corner of the application tool bar and clicking on the adjoining arrow button.

You can capture the following details

Reject Code

Specify the Reject Code

Reject Reason

Specify the description of the Reject Code.

Reject Code Type

Specify the type of Reject Code. The type can be ISO or proprietary.

Applicable Networks and Exceptions

Network Code

Specify the network code. Alternatively, you can select the network code from the option list. The list displays all valid network codes maintained in the system.

Payment Type

Payment type will be defaulted based on the Network selected

Payment Pre-Settlement Reject

Check this flag if the new Reject Code maintained is applicable for payment rejects by CSM.

Payment Return

Specify the Payment Return. Choose among the following values:

• Null - This is the default value.
• Manual- If you select this option, the reject code will be applicable for processing of returns manually.
• Auto - If you select this option, the payment will be returned automatically, if the exception encountered by the incoming transaction is due to any of the error codes linked to this record in the Error Code Block.

Payment Recall

Check this flag if the Reject Code maintained is applicable for payment recalls by the Originating bank.

Recall Response

Check this flag if the Reject Code maintained is applicable for responses generated for payment recalls by the Beneficiary bank.

Collection Cancel

Check this flag if the new Reject Code maintained is applicable for recall of the outgoing Direct Debits.

Collection Return/Reject

Check this flag if the new Reject Code maintained is applicable forDirect debit returns/refunds/pre-settlement rejects.

Collection Reversal

Check this flag if the new Reject Code maintained is applicable for Direct Debit reversals by Originating Bank.

Exception Code Block

If return of an incoming payment is to be triggered automatically by system on certain exceptions, you can maintain the related Error codes in this Block.

For other exceptions encountered by the incoming transaction manual return is to be initiated by the user from Repair Queue.

Note

Exception codes are not allowed to be repeated for the same network and reject code com- combination.

2.1.30 Viewing Reject Code Maintenance Summary

You can view a summary of Reject Code using ‘Reject Code Maintenance Summary’ screen. To invoke this screen, type ‘PMSRJMNT’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Reject Reason
• Reject Code
• Reject Code Type

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen.

 

2.1.31 Indirect Participant Account Details Maintenance

You can invoke “Indirect Participant Account Details Maintenance” screen by typing ‘PMDIPACC’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button. Click new button on the Application toolbar.

Specify the following details:

Network Code

Specify the network code for which indirect participant details are applicable. Alternatively, you can select the network code from the option list. The list displays all valid network codes maintained in the system

Network Description

The system displays the network description.

Host Code

The system defaults the host code linked to the network.

Bank Code

Specify the bank Code of the indirect participant. Alternatively, you can select the bank Code from the option list. The list displays all valid bank Codes maintained in the system

Bank Account Number

Specify the bank account number of the indirect participant. Alternatively, you can select the bank account number from the option list. The list displays all valid bank account numbers maintained in the system

Branch

The system displays the account branch.

Currency

The system displays the account currency.

Note

Only one record can be maintained for the same bank and currency in the multi-block for account details.

SWIFT Address

The system displays the BIC code of the indirect participant.

2.1.32 Indirect Participant Account Details

You can invoke “Indirect Participant Account Details Summary” screen by typing ‘PMSIPACC’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button. Click new button on the Application toolbar.

You can search for the networks using one or more of the following parameters:

• Authorization status
• Record status
• Network code

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record to view the detailed network maintenance screen. You can also export the details of selected records to a file using ‘Export’ button.

2.1.33 Pending Maintenances Summary

You can view the pending maintenance in the ‘Pending Maintenances Summary’ screen.

You can invoke “Pending Maintenances Summary” screen by typing ‘PMSPENMT’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button. Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Branch Code
• Maker ID
• Function

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria for the following

• Branch Code
• Maker ID
• Function
• Mod Number

2.1.34 Bank Redirection

You can invoke the “Bank Redirection” screen by typing ‘PMDBKRED’ in the field at the top right corner of the Application tool bar and then clicking on the adjoining arrow button.

You can capture the following details:

Identifier

Select the required bank identifier

• BIC
• Local Bank Code

Bank Code

Specify the Bank Code for which redirection is required.

Bank Name

The system specifies the name of the bank.

Redirect Identifier

Specify the Redirect Identifier. Choose between BIC and Local Bank Code.

Redirect Bank Code

Specify the bank code to which payment needs to be redirected. The redirected bank codes can be a valid SWIFT BIC or Local Clearing Bank Code based on the Bank Code Identifier type chosen.

Redirect Bank Description

Redirect Bank Description is defaulted based on the Bank code chosen.

2.1.35 Bank Redirection Maintenance Summary

You can view the Bank Redirection Maintenances in the ‘Bank Redirection Maintenance Summary’ screen.

You can invoke “Bank Redirection Maintenance Summary” screen by typing ‘PMSBKRED’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button. Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code
• Bank Code
• Redirect Bank Code
• Identifier
• Redirect Identifier

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria:

2.1.36 Account Redirection

You can use Account re-direction maintenance for replacing invalid/closed accounts Original Account in the payment transaction with the Redirected Account.

You can invoke the “Account Redirection” screen by typing ‘PMDACRED’ in the field at the top right corner of the Application tool bar and then clicking on the adjoining arrow button.

You can capture the following details:

Host Code

Specifies the Host Level function where the account redirection is maintained for the accounts of the host.

Account

Account Number

Specifies the original account number specified in the transaction.

Redirect Account

Redirect Account Number

Specify the redirected account number.

Redirect Account IBAN

The system displays the IBAN number along with redirect account if IBAN is maintained for the customer.

Branch Code

Account Branch Code is displayed.

Currency

Account Currency for the re-direct account is displayed.

2.1.37 UDF Group Maintenance

UDF maintenance is used for creating UDF codes.

You can invoke ‘UDF Group Maintenance’ screen by typing ‘PMDGRUDF’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can specify the following fields:

Host Code

Host Code is defaulted as the logged in Host.

Group Description

Specifies the description of the UDF Group.

UDF Group

Specifies the group of the user defined field.

Field Label

Specify the name of the field that needs to be defined by the user. You can maintain up to 10 UDF fields.

Position

Specify the position of the user defined field.

2.1.38 User Maintenance

You can invoke ‘User Maintenance’ screen by typing ‘PMDUSRDF’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can specify the following field:

User Identification

Specify the identification of the user.

2.1.39 Maintaining Currency Correspondent

You can specify currency correspondent account details in this screen.Currency correspondent Maintenance function is host specific.

You can invoke the ‘Currency Correspondent Maintenance’ screen by typing ‘PMDCYCOR’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following fields:

Host Code

The system displays the logged in Host Code.

Currency

Specify the currency. Alternatively, you can select the currency from the option list. The list displays all valid currencies maintained in the system.

Account Type

Select the account type. The list displays the following values:

• Our- Currency correspondent is Bank’s currency correspondent
• Their- Processing bank is the currency correspondent bank for the other bank

Account Number

Specify the account number of the specified bank. Alternatively, you can select the parent account number from the option list. The list displays all Nostro accounts for Account type OUR and valid normal accounts for account type THEIR. The account currency displayed in the list should be same as the currency specified.

Account Name

The system displays the account name

Primary Correspondent

Check this box if one of the standard currency correspondents is identified as primary currency correspondent. This option is applicable only for Account type ‘OUR’. There can be only one primary currency correspondent for the combination of Account type, Currency. This option will be defaulted as yes for the first currency correspondent maintained.

Max Claim Amount

Specifies the maximum amount that can be claimed by the correspondent so that processing of outward bank transfer is done automatically based on charge claim received.

Charge Claim GL

Specifies the GL code that is defaulted as the debit account in the outgoing Bank transfer contract for the charge claim.

2.1.40 Viewing Currency Correspondent Summary

You can invoke “Currency Correspondent Summary” screen by typing ‘PMSCYCOR’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria for the following

• Authorization Status
• Record Status
• Branch
• Account Type
• Alpha Code
• Primary correspondent
• Branch
• Primary Account
• Currency

2.1.41 Maintaining Global Correspondent

You can maintain the currency correspondent of any bank in the Global correspondent screen

You can invoke the ‘Global correspondent Maintenance’ screen by typing ‘PMDGLCOR’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following fields:

Bank Code

Specify the Bank code. Alternatively, you can select the Bank code from the option list. The list displays all valid Bank codes maintained in the system.

Host Code

The system displays the host code of the logged in user.

Currency

Specify the currency to be selected for which the correspondent alpha code will be selected. Alternatively, you can select the currency from the option list. The list displays all valid currencies maintained in the system.

Correspondent Bank Code Description

The system displays the correspondent Bank code description.

2.1.42 Viewing Global Correspondent Summary

You can invoke “Global Correspondent Summary” screen by typing ‘PMSGLCOR’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Currency
• Alpha Code

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

• Authorization Status
• Record Status
• Currency
• Alpha Code
• Correspondent Alpha Code

2.1.43 Invoking D to A Converter

You can enable translation of information of the parties involved in the payment from ‘D’ option (names and addresses) to appropriate ‘A’ option (BIC codes).

This information is used during the STP of an incoming message to convert the names and address information to the appropriate BIC code.

You can invoke the ‘D to A Maintenance’ screen by typing ‘PMDDAMNT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following fields:

BIC Code

Specify the BIC codes. Alternatively, you can select the BIC code from the option list. The list displays all valid BIC codes maintained in the system.

BIC Code Description

The system displays the description of the BIC codes.

Address Line1

Specify the address line 1 maintained for the BIC code. This detail is compared with name and address received in the message to resolve the BIC Code. This line should match for successful conversion.

Address Line2

Specify the address line 2 maintained for the BIC code. This detail is compared with name and address received in the message to resolve the BIC Code. This line should match for successful conversion.

Address Line3

Specify the address line 3 maintained for the BIC code. This detail is compared with name and address received in the message to resolve the BIC Code. This line should match for successful conversion.

Address Line4

Specify the address line 4 maintained for the BIC code. This detail is compared with name and address received in the message to resolve the BIC Code. This line should match for successful conversion.

2.1.44 Viewing D to A Converter Summary

You can invoke “D to A Converter Summary” screen by typing ‘PXSDAMNT’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• BIC Code
• Address Line1

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria for the following

• Authorization Status
• Record Status
• BIC Code
• Address Line1
• Address Line2
• Address Line3
• Address Line4

2.1.45 Maintaining SWIFT Code

You can maintain applicable SWIFT codes in this maintenance for a Network and message type.

You can invoke “SWIFT Code Maintenance” screen by typing ‘PMDVALDN’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

Specify the following details

Host Code

Specify the host code of the bank. Alternatively, you can select the host code from the option list. The list displays all valid host codes maintained in the system.

Network Code

Specify the network code. Alternatively, you can select the network code from the option list. The list displays all valid network codes maintained in the system.

Message Type

Specify the message type. Alternatively, you can select the message type from the option list. The list displays all valid message types maintained in the system.

Mandatory

Select an option to indicate whether the SWIFT tag is mandatory.

SWIFT Field

Specify the SWIFT field. Alternatively, you can select the SWIFT field from the option list. The list displays all valid SWIFT fields maintained in the system.

Modifiable

Select an option to indicate whether the SWIFT tag is modifiable.

SWIFT Code

Specify the SWIFT code.

SWIFT Sub Codes

Specify the sub SWIFT code.

2.1.46 Viewing SWIFT Code Summary

You can invoke “SWIFT Code Summary” screen by typing ‘PMSVALDN’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Network Code
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.47 Maintaining File Parameters

You can specify parameters for handling files received from CSM/customers.

You can invoke the ‘File Parameters Maintenance’ screen by typing ‘PMDFLPRM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

Specify the following details

Host Code

The system specifies the host code that the user is logged in.

File Type

The system populates this field based on static maintenance available in Messaging for the file types handled.

File Type Description

The system populates this field based on the file type chosen.

File Direction

The system populates this field based on the file type chosen.

Schema File Definition Path

Specify the File path from where xsd files for format validation are fetched

Network Code

Specify the network code from the list of values.

Payment Type

The system populates this field based on the network chosen.

Connector Details

Destination Type

Select the required destination path. Choose among the following:

• Folder.
• Queue
• SwiftNet Connectivity

Folder Path

Specify the folder path.

Queue Name

Specify the name of the queue.

Protocol Type

Select the type of protocol.

SwiftNet Connectivity

Specify the required SwiftNet Connectivity.

Protocol Name

Specify the required protocol.

2.1.48 Viewing File Parameters Summary

You can invoke “File Parameters Summary” screen by typing ‘PMSFLPRM’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code
• File Type
• File Direction

Once you have specified the search parameters, click the Search button. The system displays the records that match the search criteria.

2.1.49 Maintaining SWIFT Field Codes

You can maintain the SWIFT message details and validate the incoming and outgoing messages in this screen.

You can invoke “SWIFT Field Code maintenance” screen by typing ‘PMDSWFLD’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

Specify the following details

Message Type

Specify the message type. alternatively, you can select the message type from the option list. The list displays all valid message types maintained in the system.

Cover

Check this box to indicate whether cover message is required or not.

Field Number

Specify the field number for the message type. alternatively, you can select the field number from the option list. The list displays all valid field numbers from the option list.

Code

Specify the code that is used to indicate incoming and outgoing messages for security purpose.

Code Type

Select the code type. The option are as follows:

• Standard
• Bilateral

Usage Type

Select the usage type. The option are as follows:

• Restricted
• Unrestricted

2.1.50 Viewing SWIFT Field Code Summary

You can invoke “SWIFT Field Code Summary” screen by typing ‘PMSSWFLD’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Message Type
• Field Number
• Code
• Cover

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

2.1.51 Customer Preferences

You can maintain Deferred price and file preferences for corporate customers in the ‘Customer Preferences’ screen.

You can invoke the ‘Customer Preference’ screen by typing ‘PMDFLPRF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar..

You can specify the following fields:

Deferred Price Preferences

Deferred Pricing

Check this box if deferred pricing is applicable for the customer.

Frequency

Select the required frequency. Frequency can be maintained as Daily, Monthly and Manual.

File Preferences

Autoclosure Required

Check this box if a consolidation batch needs to be considered for closure based on the cutoff time specified.

Note

This is applicable if processing of some of the transactions pertaining to the batch is not yet completed.

Cutoff Hour

Specifies the Cutoff time in hours for Batch auto closure

Cutoff Minute

Specifies the Cutoff time in minutes for Batch auto closure

Pricing Account

Choose the required Pricing Account from the list of values.

Account Branch

The system displays the account branch based on the selected Pricing Account.

Account Currency

The system displays the account currency based on the selected Pricing Account.

Account Name

The system displays the account name based on the selected Pricing Account.

2.1.52 Viewing Customer Preferences Summary

You can view the summary in “Customer Preferences Summary” screen. You can invoke the Customer Preferences Summary screen by typing ‘PMSFLPRF’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Customer No

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

Note

• For a C2B transaction if the charge account is mentioned in the received pain.001 file, it takes precedence.If charge account is not available as part of the file, then pricing account maintained in file preferences is considered for debiting charge/tax amounts. If pricing account is not maintained, charge/ tax is recovered from debit account itself.
• Charge account and currency can be different from debit account and currency.

2.1.53 Advice Format Maintenance

In Advice Format Maintenance screen you can find a pre-shipped record for Format type ‘SWIFT’. You can invoke the ‘Advice Format Maintenance’ screen by typing ‘PMDADVFM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

2.1.54 Viewing Advice Format Summary Summary

You can view the summary in “Advice Format Summary” screen. You can invoke the Advice Format Summary screen by typing ‘PMSADVFM’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Language
• Format
• Format Type
• Customer No

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

2.1.55 Viewing Customer Address Summary

You can view the summary in “Customer Address Summary” screen. You can invoke the Customer Address Summary screen by typing ‘PMSADVFM’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Customer No
• Location
• Media
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

2.1.56 Viewing Message Location Summary

You can view the summary in “Message Location Summary” screen. You can invoke the Message Location Summary screen by typing ‘PMSLOCMN’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

2.1.57 Message Type Maintenance

Message types are pre-shipped. You can view the message type detains in this screen. You can invoke the ‘Message Location Maintenance’ screen by typing ‘PMDMSTYM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

2.1.58 Viewing Message Type Summary

You can view the summary in “Message Type Summary” screen. You can invoke the Message Type Summary screen by typing ‘PMSMSTYM’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Module
• Message Type

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

2.1.59 Messaging Branch Preferences Maintenance

Message Browser actions allowed for a branch can be configured in this screen. You can invoke the ‘Message Location Maintenance’ screen by typing ‘PMDPREF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

Indicating the activities that require authorization:

You can perform several activities on a message that is to be generated from your branch and on those that have come in for your branch. For example, from the outgoing or incoming browser, you can change the address to which a message should be sent.

In the branch preferences screen, you can indicate the activities which when performed on an incoming or outgoing message, would require subsequent manual authorization for the message. Several activities have been listed in this screen. A message, on which an activity which has been selected in this screen is performed, would require subsequent manual authorization for the activity to take effect. A message, on which an activity not selected in this screen is performed, would be automatically authorized with the activity taking effect.

The activities that you can choose from are:

• Cancel
• Hold
• Change Node
• Testword
• Auth Repair Incoming
• Carry Forward
• Change Media
• Regenerate
• Regenerate
• Change Address
• Reinstate
• Release
• Carried Forward
• Branch Move
• Change Media
• Change Priority
• Testword Check
• Auth Repair Incoming

A message on which you perform an activity that requires authorization will be available for further processing only after it is authorized.

2.1.60 Viewing Messaging Branch Preferences Summary

You can view the summary in “Messaging Branch Preferences Summary” screen. You can invoke the Messaging Branch Preferences Summary screen by typing ‘PMSPREF’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Branch
• PDE Functional Validation
• Message Archive Period
• PDE Archive Period

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or after selecting a record to view the detailed screen.

2.1.61 Network Rule Maintenance

Network rule maintenance (PMDNWRLE) is used to maintain the network derivation rules for payment requests received in pain.001 files / MT 101 messages or payments initiated from Payment Initiation screen (PMDPMONL).

You can invoke the ‘Network Rule Maintenance’ screen by typing ‘PMDNWRLE’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

 

You can specify the following fields;

Host Code

The system indicates the host code by default when you click on the New button.

Rule Name

Specify the name of the rule.

Rule Expression

The expression can be filled in the Expression Details multi block. On the click of Populate button, the expression gets built and displayed in this field.

Priority

Specify the priority number for rule execution.

Network Code

Specify the network code. Alternatively, you can select the network code from the option list.

Note

Network is resolved based on the condition which gets satisfied first on priority order

Expression Details

Scope

Specify the scope assigned to the Left operand.

LOP Operand

Specify the Left Operand value details in the rule expression.

Operator

Select the Operator details.

ROP Type

Select the type of Right operand. Choose between Constant and Expression.

ROP Data Type

Select the type of Right operand Data. Choose between String, Date and Number.

ROP Operand

Specify the Right operand value details.

Scope

Specify the scope assigned to the Right operand.

Logical Operators

Select the logical operator. Choose among the following:

• And
• OR

Populate

Click this button after specifying the expression details.

The following are the rule elements available for maintaining the rules:

	Rule element		Rule element value for payment request received in pain.001 files/ initiated from PMDPMONL		Rule element value for payment request received in MT101
	DEBIT_ACCOUNT		Debtor Account number, if account num­ber is not available, then Account IBAN		Ordering customer account
	CUSTOMER		Customer of the Debit Account		Customer of the Debit Account
	CUSTOMER_SER­VICE_MODEL		Service model linked to the customer		Service model linked to the cus­tomer
	CHANNEL_TYPE		For requests received in pain.001 format, the value is C2B. For payments initiated from PMDPMONL, the value is SP.		Value is MT101
	IS_CUTOFF_OVER		Whether network cutoff is over for the resultant Network (not applicable for cross-border payments and Book Trans­fers)		Whether network cutoff is over for the resultant Network (not applicable for cross- border pay­ments and Book Transfers)
	CATEGORY_PUR- POSE		Category purpose (code or proprietary value )as available in Credit transfer infor­mation; if not available the value available in payment information.		Not applicable.
	CREDI­TOR_AGENT_BIC		Debtor Agent BIC		Receiver BIC
	INTERMEDI­ARY_AGENT_BIC		Intermediary Agent BIC		Intermediary Agent BIC
	INTERMEDI­ARY_AGENT_MEM­BER_ID	Intermediary Agent Member	ID		Intermediary Party identifier number
	SOURCE_CODE		Source code		Source code
	TRANS­FER_AMOUNT		Transfer Amount		Transfer Amount
	TRANSFER_CCY		Transfer Currency		Transfer Currency
	CDTRACCT_ACNO		Creditor Account, if not available Creditor IBAN		Beneficiary Account
	BRANCH_CODE		Branch Code		Branch Code
	PURPOSE		Purpose level (code or proprietary value) in creditor transfer information		Not applicable
	SERVICE LEVEL		Service level (code or proprietary value) as available in Credit transfer information; if not available the value avail- able in pay­ment information		Field 23E, first code available
	LOCAL_INSTRU­MENT		Local Instrument (code or proprietary value) as available in Credit transfer infor­mation; if not available the value available in payment information.		Not applicable
	INSTRUCTION_PRI­ORITY		Instruction priority as available in Credit transfer information; if not available the value available in payment information.		If 23E is URGP or RTGS value derived will be HIGH otherwise NORM.
	CHARGE_BEARER		Charge bearer as available in Credit trans­fer information; if not available the value available in payment information.		Charge Bearer

The following mandatory checks are done on derivation of the Network:

• Whether the transfer currency is allowed for the network
• Whether the amount is within the network limit
• Whether the Creditor Agent is allowed for the network

2.1.62 Viewing Network Rule Summary

You can view a summary of network maintenances using ‘Network Rules Resolution Summary’ screen. To invoke this screen, type ‘PMSNWRLE’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

You can search using one or more of the following parameters:

• Authorization status
• Record status
• Host Code

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.1.63 Cross Border RTGS Derivation Rule

This rule will be used during payment chain building for each party derived if the transaction currency is allowed for RTGS.

You can invoke the “Cross Border to Rtgs Rule” screen by typing ‘PMDXRRLE’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

Specify the following fields:

Host Code

Indicates the code assigned to the logged in user.

Rule Name

Specify the network resolution rule.

Rule Expression

The expression can be filled in the Expression Details multi block. On the click of Populate button, the expression gets built and displayed in this field.

Network Code

Specify the network code. Alternatively, you can select the network code from the option list.

Note

Network is resolved based on the condition which gets satisfied first on priority order

Priority

Specify the priority number for rule execution.

Expression Details

Scope

Specify the scope assigned to the Left operand.

LOP Operand

Specify the Left Operand value details.

Operator

Select the Operator details.

ROP Type

Select the type of Right Operand. Choose between Constant and Expression.

ROP Data Type

Select the type of Right Operand Data. Choose between String, Date and Number.

ROP Operand

Specify the ROP Operand value details.

Scope

Specify the scope assigned to the ROP.

Logical Operators

Select the logical operator. Choose among the following:

• And
• OR

Populate

Click this button after specifying the expression details.

The below mentioned new basis elements will be provided in the expression builder:

• Customer
• Customer service model
• Debit Account
• Channel type
• Source Code

The following mandatory checks will be done for each Network derived:

• whether the specified currency is allowed for the network
• whether the amount is within the network limit
• whether the Creditor Agent is allowed for the network
• whether the network cutoff is over.

2.1.64 Viewing Cross Border to RTGS Rule Summary

You can view the summary in “Cross Border to Rtgs Rule Summary” screen. You can invoke the Cross Border to Rtgs Rule Summary screen by typing ‘PMSXRRLE’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.65 RTGS Network Switch Rule

This rule will be applied when Network cutoff is over for a RTGS payment. Only network of type RTGS is allowed for Switching.

You can invoke the “RTGS Switch Rule” screen by typing ‘PXDRNWSW’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

Specify the following fields:

Host Code

Indicates the code assigned to the logged in user.

Rule Name

Specify the network resolution rule.

Rule Expression

The expression can be filled in the Expression Details multi block. On the click of Populate button, the expression gets built and displayed in this field.

Network Code

Specify the network code. Alternatively, you can select the network code from the option list.

Note

Network is resolved based on the condition which gets satisfied first on priority order

Priority

Specify the priority number for rule execution.

Expression Details

Expression Section

Check this box to enable the fields of this section.

Scope

Specify the scope assigned to the Left operand.

LOP Operand

Specify the LOP Operand value details.

Operator

Select the Operator details.

ROP Type

Select the type of Right operand. Choose between Constant, Parameter and Expression.

ROP Data Type

Select the type of Right operand Data. Choose between String, Date and Number.

ROP Operand

Specify the ROP Operand value details.

Scope

Specify the scope assigned to the ROP.

Logical Operators

Select the logical operator. Choose among the following:

• And
• OR

Populate

Click this button after specifying the expression details.

The below mentioned new basis elements will be provided in the expression builder:

• Customer
• Customer service model
• Debit Account
• Channel type
• Source Code

The following mandatory checks will be done for each Network derived:

• whether the specified currency is allowed for the network
• whether the amount is within the network limit
• whether the Creditor Agent is allowed for the network
• whether the network cutoff is over.

2.1.66 Viewing Rtgs Network Switch Rule Summary

You can view the summary in “Rtgs Network Switch Rule Summary” screen. You can invoke the Rtgs Network Switch Rule Summary screen by typing ‘PXSRNWSW’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.67 Role Maintenance

You can invoke the “Role Maintenance” screen by typing ‘PMDROLDF’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

Specify the following fields:

Role Id

Specify the role identification.

Description

The system displays the description after you specify the role.

2.1.68 Role Summary

You can view the summary in “Role Summary” screen. You can invoke the Role Summary screen by typing ‘PMSROLDF’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.69 Account Template

You can capture Account Template details.

You can invoke the “Account Template” screen by typing ‘PMDACCTL’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

Specify the following fields:

Account Template

Host Code

Specify the host code of the logged in user.

Accounting Code

Specify the accounting code

Module

Specify the module.

Account Details

Main Transaction code

Specify the Main Transaction Code

Main Transaction Dr/Cr

Specify the if the main transaction is credit or debit transaction.

Transaction Account

Specify the transaction account.

Main Transaction Netting

Check this box to indicate the netting for the Main Transaction.

Offset Account

Offset Transaction code

Specify the Offset Transaction code from the list of values.

Offset Account

Specify the offset account.

Offset Transaction Netting

Check this box to indicate the netting for the Offset Transaction.

2.1.70 Viewing Account Template Summary

You can view the summary in “Account Template Summary” screen. You can invoke the Account Template Summary screen by typing ‘PMSACCTL’ in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button.

You can search for the records using one or more of the following parameters:

• Authorization Status
• Record Status
• Accounting Code
• Module
• Offset Transaction code
• Main Transaction Dr/Cr
• Offset Account
• Transaction Account
• Main Transaction code
• Host Code

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.1.71 Host BIC Maintenance

You can capture Host BIC Maintenance.

You can invoke the “Host BIC Maintenance” screen by typing ‘PMDHTBIC’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button. Click new button on the Application toolbar.

You can specify the following details:

Host Code

The system specifies the Host Code of the logged in user.

BIC Code

Specify the BIC Code from the LOV.

BIC Description

The system specifies the BIC description.

SWIFT Key Arrangement

Specify if the SWIFT Key Arrangement is done for the host.

Customer No

Specify the customer number from the LOV.

2.1.72 Viewing Host BIC Maintenance Summary

You can view Host BIC Maintenance details in the “Host BIC Maintenance Summary” screen. You can invoke the “Host BIC Maintenance Summary” screen by typing ‘PMSHTBIC’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status
• Host Code
• BIC Code
• Customer No

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2 External System Maintenance

2.2.1 Sanction Check System Maintenance

You can maintain the external system details to which the sanction request are to be sent with transaction party details in the ‘Sanction Check System’ screen. You can invoke the ‘Sanction Check System’ screen by typing ‘PMDSNCKM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

Sanction Check System

Specify the external sanction check system.

Description

Give a brief description on the sanction check system.

Inqueue JNDI Name

Specify the name for Sanction response queue configured in Application serve.

Outqueue JNDI Name

Specify the name for Sanction request queue configured in Application serve.

Initial Context Factory Class

Specify the initial context factory class.

Context Provider URL

Specify the context provider URL.

Queue Factory JNDI

Specify the queue factory JNDI.

Seize on Reject

Check this box to indicate that it is mandatory to maintain Seizure GL.

Seizure GL

Specify the required Seizure GL from the list of values.

Timeout in seconds

Specify the time out in seconds. If there is no response within this time, then the request is marked as timed out.

Queue Authentication

Queue Authentication

Check this box to indicate that Queue Authentication is required for the Sanction Check System.

User Id

Specify the required User Name.

Password

Enter the password. The User Id and Password that you specify will be used for verification purposes. Password is encrypted and stored.

Status Mapping

External Response Code

Specifies the code assigned to a status by external sanctions check system.

Code Description

Specifies the description of the external response code.

System Status

Specifies the sanction check status derived in the system.

Automatic Cancellation

Select whether automatic cancellation of the payment is applicable. You can select Yes only if the response codes are mapped to Rejected status.

2.2.2 Viewing Sanction Check System Summary

You can view sanction check details in the “Sanction Check System Summary” screen. You can invoke the ‘Sanction Check System Summary’ screen by typing ‘PMSSNKSM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2.3 External Exchange Rate System Maintenance

You can maintain the external system details from which the exchange rate for a cross currency payment transaction has to be obtained in the ‘External Exchange Rate System’ screen. You can invoke the ‘External Exchange Rate System’ screen by typing ‘PMDERTMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

External Exchange Rate System

Specify the external exchange rate system.

Description

Give a brief description on the external exchange rate system.

Preferences

Inqueue JNDI Name

Specify the name for External exchange rate response queue configured in Application server.

Outqueue JNDI Name

Specify the name for External exchange rate request queue configured in Application server.

Initial Context Factory Class

Specify the initial context factory class.

Context Provider URL

Specify the context provider URL.

Queue Factory JNDI

Specify the queue factory JNDI.

Timeout in seconds

Specify the time out in seconds. If there is no response within this time, then the request is marked as timed out.

Queue Authentication

Check this box to indicate that Queue Authentication is required for the External Exchange Rate System.

User Id

Specify the required User Name.

Password

Enter the password. The User Id and Password that you specify will be used for verification purposes. Password is encrypted and stored.

2.2.4 Viewing Exchange Rate System Summary

You can view exchange rate details in the “Exchange Rate System Summary” screen. You can invoke the ‘Exchange Rate System’ screen by typing ‘PMSERTMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2.5 External Credit Approval System Maintenance

You can maintain the external system details from which credit approval for debit entries has to be obtained in the ‘External Credit Approval System’ screen. You can invoke the ‘External Credit Approval System’ screen by typing ‘PMDECAMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

External Credit Approval System

Specify the external credit approval system.

Description

Give a brief description in the external credit approval system.

Preferences

Inqueue JNDI Name

Specify the name for ECA response queue configured in Application server.

Outqueue JNDI Name

Specify the name for ECA request queue configured in Application server.

Initial Context Factory Class

Specify the initial context factory class.

Context Provider URL

Specify the context provider URL.

Queue Factory JNDI

Specify the queue factory JNDI.

Timeout in seconds

Specify the time out in seconds. If there is no response within this time, then the request is marked as timed out.

Queue Authentication

Queue Authentication

Check this box to indicate that Queue Authentication is required for the External Credit Approval System.

User Id

Specify the required User Name.

Password

Enter the password. The User Id and Password that you specify will be used for verification purposes. Password is encrypted and stored.

Status Mapping

External Response Code

Specifies the code assigned to a status by external ECA system.

Code Description

Specifies the description of the external response code.

System Status

Specifies the ECA status derived in the system. Choose among the following:

• Reject
• Override
• Approve

Automatic Cancellation

Select whether automatic cancellation of the payment is applicable or not. You can select Yes only if the response codes are mapped to Rejected status.

2.2.5.1 ECA Processing in DDA system

Once all the above checks are successfully validated, DDA system displays success status. If any of the above validations is failed, DDA displays failure status, along with error codes that indicate the reason for failure.

2.2.5.2 EAC Processing in DDA system

Once all the above checks are successfully validated, DDA system displays success status. If any of the above validations is failed, DDA displays failure status, along with error codes that indicate the reason for failure.

2.2.6 Viewing External Credit Approval System Summary

You can view exchange rate details in the ‘External Credit Approval System Summary’ screen. You can invoke the ‘External Credit Approval System Summary’ screen by typing ‘PMSECAMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Execute Query’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2.7 External Accounting System Maintenance

You can maintain the details of External Accounting System to which accounting entries handoff is sent during transaction processing. The accounting entries generated by Payments system will be handed off to this accounting system.

You can invoke the ‘External Accounting System’ screen by typing ‘PMDACCMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

External Accounting System

Specify the External Accounting System.

Description

Give a brief description on the External Accounting System.

Preferences

Outqueue JNDI Name

Specify the name for request queue configured in Application server.

Context Provider URL

Specify the context provider URL.

Timeout in seconds

Specify the time out in seconds. If there is no response within this time, then the request is marked as timed out.

Inqueue JNDI Name

Specify the name for response queue configured in Application server.

Initial Context Factory Class

Specify the initial context factory class.

Queue Factory JNDI

Specify the queue factory JNDI.

Queue Authentication

Queue Authentication

Check this box to indicate that Queue Authentication is required for the External Accounting System.

User Id

Specify the required User Name.

Password

Enter the password. The User Id and Password that you specify will be used for verification purposes. Password is encrypted and stored.

Note

This accounting system needs to be mapped at the Host Parameter screen PMDHSTPR. Thus per host a separate external accounting system is supported.

If different External Accounting & ECA systems are maintained:

• During accounting handoff, an additional intimation will be sent to the ECA system. This is to indicate the ECA system, that the accounting for the transaction is handed off.
• The ECA system’s reference number will also be shared to the External Accounting System, along with accounting handoff.
• Thus the ECA & the External Accounting Systems need to reconcile on releasing the amount block posted earlier & executing the debit transaction.

If External Accounting & ECA systems are maintained as same:

• While posting the accounting entry, no additional intimation will be done to the ECA system. The External Accounting System is expected to release the amount block made earlier and execute the debit.

2.2.8 Viewing External Accounting System Summary

You can view External Accounting System details in the ‘External Accounting System Summary’ screen. You can invoke the ‘External Accounting System Summary’ screen by typing ‘PMSACCMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow field at the top right corner of the application toolbar. Click new button on the Application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2.9 External Price System

You can invoke the “External Price System” screen by typing ‘PMDEXPMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.Click new button on the Application toolbar.

You can specify the following details:

Price System Code

Specify the Price System Code.

Description

Give a brief description on the Price System Code.

Preferences

Outqueue JNDI Name

Specify the name for request queue configured in Application server.

Context Provider URL

Specify the context provider URL.

Timeout in seconds

Specify the time out in seconds. If there is no response within this time, then the request is marked as timed out.

Inqueue JNDI Name

Specify the name for response queue configured in Application server.

Initial Context Factory Class

Specify the initial context factory class.

Queue Factory JNDI

Specify the queue factory JNDI.

Price Service Class

Specify the Price Service Class.

Timeout in seconds

Specify the Timeout in seconds.

Queue Authentication

Queue Authentication

Check this box to indicate that Queue Authentication is required for the External Accounting System.

User Id

Specify the required User Name.

Password

Enter the password. The User Id and Password that you specify will be used for verification purposes. Password is encrypted and stored.

2.2.10 Viewing External Price System Summary

You can invoke the “External Price System Summary” screen by typing ‘PMSEXPMT’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow field at the top right corner of the application toolbar.

You can search using one or more of the following parameters:

• Authorization Status
• Record Status

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

Double click a record or click the ‘Details’ button after selecting a record to view the detailed screen.

2.2.11 Notification on Sanction or ECA Rejection

When a Sanction Check or External Credit Approval Check fails for a payment transaction, the same will be notified via a JMS message.

To achieve this:

• Check the Notify Sanction Rejection & Notify ECA Rejection flags at the Source Network Preference screen (PMDSORNW).
• Maintain the Response Queue JNDI at the Source Maintenance (PMDSORCE under Source Response Details sub system)

Once these are maintained, when a payment transaction is rejected by Sanctions System or ECA system, a notification will be sent to the JMS queue.

2.3 Dispatch

The below listed changes are applicable for dispatch processing of Domestic low value payments/ Direct Debits:

• Dispatch File Generation Screen
• File Dispatch Generation Summary
• Dispatch Parameters Maintenance
• File Dispatch Parameters Maintenance Summary

2.3.1 Dispatch File Generation Screen

Dispatch file generation screen is provided to manually initiate generation of dispatch files for CSM.

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

You can specify the following fields:

Host Code

The system defaults the host code.

Request Reference Number

Reference Number is generated by the system.

Clearing Network

Select a valid clearing network for which the dispatch file will be generated.

Service Identifier

Indicates the service identifier. Identifier can be selected as SCT, SDD-CORE or SDD-B2B

User Reference Number

Specify the reference number for every dispatch run. This reference number can be used to track the number of files generated for every dispatch run.

2.3.2 File Dispatch Generation Summary

You can invoke the ‘Dispatch File Generation Summary’ screen by typing ‘PMSDFILE’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button:

You can search using the following parameter:

• Request Reference Number
• Clearing Network
• Network Description
• Clearing Network
• Service Identifier
• User Reference Number
• Authorization Status

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.3.3 Dispatch Parameters Maintenance

Dispatch time for auto generation of Domestic Low Value Payments /Direct Debit dispatch files can be maintained in this screen.

You can invoke the ‘Dispatch Parameters Maintenance’ screen by typing ‘PADISPTM’ in the field at the top right corner of the application toolbar and clicking the adjoining arrow button.

You can specify the following fields:

Host Code

Select the required host code for the dispatch.

Network Code

Specify a brief description on the network code.

Payment Type

Specify the Payment Type.

Service Identification

Specify the service identification code.

This field has options as SCT, SDD-CORE & SDD-B2B.

Sending BIC

All Branch BICs for the host are listed here. You can select the required Dispatch branch.

Schema Definition File Path

This field is used for maintaining the path of XSD file with which the dispatch file is validated.

 

2.3.4 File Dispatch Parameters Maintenance Summary

You can invoke the ‘Dispatch File Generation Summary’ screen by typing ‘PASISPTM’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button:

You can search using the following parameter:

• Record Status
• Host Code
• Network Code
• Service Identification
• Sending BIC
• Authorization Status

Once you have specified the search parameters, click ‘Search’ button. The system displays the records that match the search criteria.

2.3.5 Payment Details Handoff to External Systems

• If Payment Handoff is applicable, individual payment transaction data will be put into a destination JMS queue in XML format.
• This will be done after dispatch data enrichment is done for fields like Sender’s BIC, Service level &settlement method.
• Dispatch file generation will not be applicable if ’Payment Handoff’ flag is checked for the Network.

Note

This option is available for ACH payments.

2.4 Common Processes

2.4.1 Host & Time zone Related Processing

• Processing of payment transactions for multiple hosts with different time zones is supported.
• Cut-off time maintenances are to be done in host time.This has to be operationally controlled.
• Dispatch file generation timings and auto batch closure time for bulk file upload also follow host date & time.

2.4.2 Customer Status Check

• Customer status check is added in initial validations of payment processing.
• Based on customer status available as part of external customer maintenance (STDCIFCR), system performs the status check.
• If any of the following status for customer is maintained, payment transaction gets moved to Business Override Queue:
  • Deceased
  • Whereabouts Not Known
  • Frozen

• If record status is Closed, out going payment transactions is moved to Process Exception Queue. Incoming transactions will be moved to Repair Queue so that Return or Repair action can be performed based on the payment type.

2.4.3 Sanction Check

• If sanction check is made applicable at Network Preferences, system initiates sanction processing. Additional check is performed to verify whether sanction check is applicable for the customer at customer maintenance (STDCIFCR) level.Sanction processing is done only if it is applicable for both network and customer.
• On receiving External Sanction Check system response, sanction check status of the payment is updated.
• The following responses are possible:
  • A – Approved. Sanction check is approved by the external system
  • O- Override – Interim status or approval with override is received from external system
  • R – Rejected. This indicates that the contract failed ECA check.
  • T – Timed out. ECA check status is updated as T if no response is received from the external system within the stipulated time limit maintained for ECA system check system.

• If the sanction check response status for a payment transaction is ‘Approved’, then further processing continues.
• If the sanction check response status of the transaction is ’Override’ or ’Rejected’ or ‘Timed Out’, then transaction is logged in Sanction Check Exception Queue.
• If External system reject code is marked for auto cancellation in sanction system maintenance, transaction is automatically cancelled.

2.4.3.1 Seizure on Sanctions Hit

When Sanction Check is returned as ‘Rejected’, the payment can be held in a compliance GL. Sanction seizure is supported for the following payment types:

• ACH
• Book Transfer
• RTGS
• Faster Payment
• Cross Border
• Direct Debit

To achieve this, the following maintenances needs to be done in Sanction Check System Maintenance screen (PMDSNCKMT):

• Seizure on Reject flag to be set on
• Seizure GL to be mentioned

On configuring these, payment transactions receiving ‘Rejected’ status in Sanction Check will behave as below:

·

	Direction		Transaction type		Debit account		Credit account		Subsequent processing
	Outgoing		Payment - Cross Border/RTGS/ACH/Book		Customer Account		Compliance GL		Held. Will not be dis­patched.
	Outgoing		Collection		Nostro/Clearing GL		Compliance GL		Held. Will not be dis­patched.
	Incoming		Payment - Cross Border/RTGS/ACH/Book		Nostro/Clearing GL		Compliance GL		Held
	Incoming		Collection		Customer Account			Compliance GL			Held. And, pre settle­ment reject pacs.002 will be sent out.

• If the Sanctions Check done on booking date fails, then the transaction is processed on booking date itself with seizure entries, even if the activation date is derived as future dated.
• SC Seizure will not be supported on Cancellation from SC Queue
• SC Seizure will skip Network Cutoff Check for outgoing payments.
• SC Seizure for Outgoing Payment àExternal Exchange Rate pickup is not applicable for, System will always pickup Internal Exchange Rate even if the transaction cross the small FX limit.
• SC Seizure for Incoming PaymentàExchange Rate Activity will not be fired as Credit is to GL
• For C2B SC seizure is not applicable. On cancellation of sanctions check by external system, transaction will only be cancelled.

2.4.4 External Credit Approval

• Oracle FLEXCUBE Payments sends debit accounting entries pertaining to payment amount and charge/tax amounts to external DDA system for credit checks. ECA system for the credit check is derived based on External Customer Account (STDCRACC) maintenance.
• ECA requests are sent, if the flag ‘External Credit Approval Required’ in ‘External Customer Account maintenance (STDCRACC) is checked.
• Transaction ECA status are updated based on the response received from the external system.
• The following responses are possible:
  • A – Approved. ECA is approved by the external system
  • O- Override – Interim status or approval with override is received from external system
  • R – Rejected. This indicates that the contract failed the External Credit Approval check.
  • T – Timed out. ECA check status is updated as T if no response is received from the external system within the stipulated time limit maintained for external sanction check system.

• If the ECA response status for a payment transaction is ‘Approved’, then further processing continues.
• If ECA validation fails i.e. the status is ‘Override’, ’Rejected’, or ‘Timed out’, transaction is logged in ECA Exception Queue.
• If External system reject code is marked for auto cancellation in ECA system maintenance, transaction is automatically cancelled.
• Transaction Account and Charge Account cannot belong to different DDA systems. System validates the same.
• For a bulk file handling, ECA request for debit entries generates separate requests for debit account and charge account if both accounts are not the same.
• Reversal of ECA request is required in the following cases:
  • Transaction is cancelled from Network Cut-off Queue
  • Transaction is carried forward from Network Cut-off Queue

• On reversal of ECA, request message is sent to external system with original transaction details & amounts, indicating that it is a reversal request.
• External Account check (EAC) request is sent if customer account is in for credit leg of a transaction.This is applicable for incoming payments and book transfers.
• EAC requests are sent, if the flag ‘External Credit Approval Required’ in ‘External Customer Account maintenance (STDCRACC) is checked.
• For Book transfer transaction, request is generated for debit account and related charges. External Account check request is sent for credit account.
• If external account check request fails, transaction is moved to ECA queue. Exception queue for both ECA/EAC requests is the same.

2.4.5 Small FX Limit Check & Currency Conversion

• For a cross currency payment transaction where debit currency and transfer currency are different, exchange rate is picked up as maintained for the transaction branch.
• If Small FX limit is defined in Network Currency Preferences, then the auto rate pick up takes place only if the transfer amount is within the small FX limit.
• Exchange Rate Type is based on Network preferences maintained. Buy/Sell indicator is derived by the system.
• If the transfer amount is above the small FX limit specified, the rate is fetched from the internal exchange rates maintained in CORE.
• If the transfer amount is above the small FX limit specified, system checks whether External Exchange Rate is applicable in Network Preferences.
• If external system is available the transaction details, then system sends request to external system for receiving the exchange rate.
• Based on the response received, exchange rate is populated and further processing of transaction will continue.
• The following responses are possible from External Exchange Rate system:
  • A-Approved-Response with exchange rate
  • R-Rejected-No exchange rate available in response or resulted in error
  • T-Timed out –Request is timed out

• If Small FX limit is not maintained, auto rate pick up is done from internal rates maintained, for all cross currency payment transactions without any limit check.
• Payment contract is moved to Exchange Rate Exception queue in the following cases with proper error code details:
  • Exchange Rate derivation based on core system maintenance fails
  • Small FX limit is breached and no external exchange rate system maintenance is available

• Payment contract is moved to external exchange rate queue if response from External Exchange Rate system is rejected or timed out.
• It is possible to provide exchange rate manually from Queue screen so that transaction proceeds with further processing.

Note

• Creation of the FX transaction, utilizing and tracking the same will be handled in the external system.
• The FX reference number generated in the external system can be captured as part of transaction input, and the same will be shared to the external system, as part of the external exchange rate pickup request.
• If no FX reference number is input during transaction creation, the same will be blank in the external exchange rate request. On this case, the external system is expected to create a FX transaction and share the same.

2.4.6 IBAN Check

• If ‘IBAN validation required’ flag is checked for the network, then IBAN verification for Debtor IBAN, Creditor IBAN & creditor BIC is done against the IBAN format maintained for the respective country.
• IBAN is validated based on IBAN Information maintenance (ISDESBAN) available for the country for the following parameters:
  • IBAN length
  • Check digit of the IBAN
  • National ID of the IBAN

• Check digit of the beneficiary IBAN must be validated using the below mentioned process:
  • Extract country code from the IBAN
  • Search the IBAN check digit length and IBAN check digit position for the country code from the IBAN structure data storage.
  • Extract the check digit from IBAN using IBAN check digit length and IBAN check digit position.
  • Compute the check digit from IBAN using the scheme defined in ISO/IEC 7064 Modulo 97-10.
  • Compare the check digit value computed and the check digit value extracted from IBAN

• National ID of the beneficiary IBAN must be validated using the below mentioned process
  • Extract the IBAN National id from IBAN using bank identifier position and IBAN national ID length
  • Extract the IBAN ISO country code from IBANPlus data storage for the IBAN national id
  • Compare the IBAN ISO country code from IBANPlus with the country code extracted from IBAN.
  • If the all of the above conditions are satisfied, then the IBAN is valid.

• Validate BIC from an IBAN by looking up IBANPlus, if available. For payment transaction the beneficiary Bank code is checked for Valid BIC based on the beneficiary IBAN. The BIC will be derived from IBAN using the below mentioned process:
• Extract country code from the IBAN
  • Search the bank identifier position and IBAN national ID length for the country code from the IBAN structure data storage
  • Extract the IBAN National id from IBAN using bank identifier position and IBAN national ID length
  • Search the IBAN BIC for the IBAN National id and country code from the IBANPlus data storage.
  • If the IBAN BIC and Account with Institution BIC code (Creditor Agent BICFI for outgoing ISO transaction) does not match, then it displays ans error that Account with Institution BIC is not valid.

2.4.7 Reference Number Harmonization

• The format of Reference Number in Oracle FLEXCUBE Payments is restructured.
• It is a 16 digit number.
• On any new operation on screen, the transaction reference number is generated as explained in the below table.
• The transactions uploaded from other channels – including GW, ReST, upload or EMS also follows the below reference number generation logic:

  	Component		Description		Digits		Position, Length		S.No
  	Year		Last 2 Digits of the Year		2		1, 2		For e.g. 2017 = 17
  	Date		Julian Date		3		3, 3		For e.g.	1st February = 032
  	Server Id	If clustered, each app server will have a number.	This is setup as a JVM Parameter by Infra Team		1		6, 1		For e.g	1 App Server = 1
  	PM Type	Each Sub-Module in PM represents a Type		1		7, 1	ACH - 1 RTGS - 2 XBORDER - 3 BOOKTRANSFER -4 DD - 5 Clearing - 6 FASTER PAYMENTS – 7	C2B - 8
  	Seconds	Seconds Elapsed past date change   1 Minute = 00060 Seconds 1 Hour = 03600 Seconds 24 Hours = 86400 Seconds   Left Padded with 0s		5		8, 5		For e.g. If time is 18:00 as per the host date then Seconds will be calculated as 64800.
  	Serial Num­ber	Sequential Serial Number generated per second	Sequence Resets to 0000 for every Second		4		13, 4	For e.g. Seconds and Serial Number Representation for 5 Transactions processed @ 18:00 648000001 -648000004   64800 – Seconds0001 – Serial Number 0002 – Serial Number 0003 – Serial Number	0004 – Serial Num­ber

2.4.8 Accounting Entries

During payment transaction processing, the accounting entries whose for which hand -off status is pending are posted to a JMS Queue. Once these entries are posted in the queue, the status is updated as handed off.

If the Accounting system and the ECA system are not the same, an update is sent to the ECA system as well while doing the accounting handoff. Any amount block in the customer account done during External credit approval can be released on receiving accounting update.

Click the “Accounting Entries” link in the transaction input screen to invoke the screen

The system displays the following details in a grid form that contains accounting entries in multiple rows:

Reference Number

Displays the Transaction reference number.

Event Code

Displays the Accounting event code.

Account

The system displays the transaction account number that is debited or credited in the accounting entry.

Account Branch

The system displays the account branch.

TRN Code

The system populates the transaction code of the accounting entry from the Account Template maintenance.

Dr/Cr

The system displays whether the accounting entry is ‘debit’ or ‘credit’ leg.

Amount Tag

The system displays the amount tag of the Amount being debited/credited.

Account Currency

The system displays the transaction account currency.

Transaction Amount

The system displays the transaction amount being debited/credited.

Netting

The system displays if Netting of accounting entries is required.

Offset Account

The system displays the Offset Account of the accounting entry for posting the offset debit/credit.

Offset Account Branch

The system displays the Offset Account Branch.

Offset TRN Code

The system displays the Offset Transaction Code from the Account Template maintenance.

Offset Amount Tag

The system displays the Offset Amount Tag of the Offset amount.

Offset Currency

The system displays the Offset Amount Currency.

Offset Amount

The system displays the Offset Amount being debited or credited.

Offset Netting

The system displays if the Offset Netting is required.

2.4.9 Pre Funded Payments

Outgoing Payments debiting from a pre funded General Ledger account is supported on the following payment processors:

• Low value payments
• High value payments
• Cross Border payments
• Book transfer

This is supported only when payment transaction is initiated from channels viz : Gateway, ReST, JSON over JMS. This is not supported for transactions initiated from Payments User Interface.

To achieve this, in the Source Maintenance – PMDSORCE screen:

• Check the ‘Prefunded Payments Allowed’ flag
• Maintain the ‘Prefunded Payments GL’
• In the request XML, set the Pre funded flag as Yes.

Note

• For pre-funded payments, Customer Number is Mandatory for Pre-Funded payments, based on this the Debtor Party Name is derived.
• ECA check is skipped.
• Charge Pickup is skipped.
• If Debtor Account Currency is Null in the Payment Request then it will be defaulted to Transfer Currency.
• FX is not supported for Pre-Funded payments.