1. Welcome to Identifier User Guide
The identifier based virtual accounts are used for one-time payments
such as utility payments, payments of visa fees, application fees for
schools and universities. The main purpose of such virtual accounts is
an effective and automated reconciliation of such receivables by the
receiving entities. Such accounts generally consist of two parts, they
are Corporate Identifier and Remittance Identifier.
Corporate Identifiers are provided by the bank to their corporate
customers to uniquely identify corporates. The corporates have the flexibility
to add the second part of the account number that is, Remittance ID based
on their requirement. Accounts formed in this manner can be used for
receiving payments into the corporate account.
This section contains the following topics:
1.1 Visual Flow of Identifier
1.2 Identifier Mask Configuration
You can configure a virtual identifier mask for a branch. All virtual
identifiers issued in a branch must match with the mask defined at the
branch level.
1.2.1 Identifier Mask Configuration Summary
The summary screen provides a list of configured identifier masks.
You can configure an identifier mask using the Identifier Mask Configuration Maintenance.
1.2.1.1 How to reach here:
Virtual Account Management > Identifier > Configuration >
View Identifier Mask Configuration
Field
|
Description
|
Branch Code
|
Displays the code of the
branch.
|
Checker
|
Displays the user who has
verified the record.
|
Maker
|
Displays the name of the
user who created the record.
|
Identifier Mask
|
Displays the identifier
mask details of the record.
|
Status
|
Displays the status of
the record.
|
1.2.2 Identifier Mask Configuration Maintenance
The maintenance screen allows you to configure identifier mask.
1.2.2.1 How to reach here:
Virtual Account Management > Identifier > Configuration >
Create Identifier Mask Configuration
1.2.2.2
How to configure an identifier mask:
- In the Create Identifier Mask Configuration
screen, provide the required details:
- Branch Code: Click Search to view and select
the required branch code.
- Identifier Mask: Specify a virtual account short identifier mask.
The identifier mask can be a combination of:
- n: User Input Number
- a: User Input Alphanumeric Char
- f: Fixed Number
- Identifier Start Position: Specify the start position of the identifier
in account number. You can provide a maximum of two numeric character.
For example, if the identifier starts from the 1st character of the account
number, the value will be 1. If the identifier starts from the 4th character
of the account number, the value will be 4.
Note
After authorizing, you cannot modify the Identifier Mask and the Identifier
Start Position.
- Identifier Fixed Value: Specify the fixed value character if virtual
account mask contains character ‘f’. You can provide a maximum
of one alphanumeric character.
Example: Let’s assume the following scenario:
- Identifier Mask: nnnnnnf
- Identifier Start Position: 1
- Identifier Fixed Value: 5
- Account Number: 12345655346555000
During creation of a corporate identifier, system validates if the
issued identifier matches with the mask for the branch such as 1234565
is a valid corporate identifier.
If account number 12345655346555000 is received in a transaction,
the identifier is derived as 1234565.
- Click Save. You can view the configured identifier mask
details in the Identifier Mask Configuration Summary.
After configuring the identifier mask details, you can map the identifier
mask with the multi-currency identifier using the Multi-Currency Identifier Mapping.
1.3 Remittance List
You can configure and maintain a list of all the remittance for a
customer.
1.3.1 Remittance List Summary
The summary screen provides a list of configured remittance list.
You can configure remittance list using the Remittance List Maintenance.
1.3.1.1 How to reach here:
Virtual Account Management > Identifier > Remittance List >
View Remittance List
Field
|
Description
|
Remittance List ID
|
Displays the remittance
list ID.
|
Real Customer Number
|
Displays the customer number
associated with the remittance list ID.
|
Status
|
Displays the status of
the record.
|
1.3.2 Remittance List Maintenance
The maintenance screen allows you to configure the remittance list.
1.3.2.1 How to reach here:
Virtual Account Management > Identifier > Remittance List >
Create Remittance List
1.3.2.2
How to add a remittance list:
- In the Create Remittance List screen, provide
the required details:
- Real Customer Number: Click Search to view
and select the required real customer number.
- Real Customer Name: Based on the Real Customer
Number selected, the information is auto-populated.
- Remittance List ID: Enter an ID to uniquely identify the remittance
list.
- Remittance List Description: Enter additional information about
the remittance list ID.
- Click + to add a row and provide the remittance list
ID details.
- Remittance ID: Enter a remittance ID.
- Validity Start Date: Select an active start date for the remittance
list from the dropdown calendar.
- Validity End Date: Select an expiry date for the remittance
list from the dropdown calendar.
- Record Status: Select the status for the record.
- Reconciliation Information: Provide information that can be
used for reconciliation.
- Additional Information: Provide additional information about
the remittance list ID, if any.
- Click Save. You can view the configured remittance list
ID details in the Remittance List Summary.
After configuring the remittance list ID, you can configure the rules
for a customer using the Corporate Specific Rules.
1.4 Corporate Specific Rules
You can configure corporate specific rules to validate the virtual
account and its transactions. This helps to validate the incoming virtual
account and its transaction as per the corporate specific validation
requirements.
1.4.1 Corporate Specific Rules Summary
The summary screen provides a list of configured corporate specific
rules. You can configure corporate specific rules using the Corporate Specific Rules Maintenance.
1.4.1.1 How to reach here:
Virtual Account Management > Identifier > Corporate Specific
Rules > View Corporate Specific Rules
Field
|
Description
|
Customer Number
|
Displays the customer number.
|
Validation Rule ID
|
Displays the unique ID
of the validation rule.
|
Status
|
Displays the status of
the record.
|
1.4.2 Corporate Specific Rules Maintenance
The maintenance screen allows you to configure corporate specific
rules to validate the virtual account and its transactions.
1.4.2.1 How to reach here:
Virtual Account Management > Identifier > Corporate Specific
Rules > View Corporate Specific Rules
1.4.2.2
How to add a corporate specific rule:
- In the Create Corporate Specific Rule screen, provide the
required details:
Main Details
- Customer Number: Click Search to view and select the
required customer number.
- Customer Name: Based on the Customer Number selected
the information is auto-populated.
- Validation Rule ID: Click Search to view and select the required
validation rule ID.
- Rule Description: Enter additional information about the corporate
specific rule.
Virtual Account Length
- Minimum Length: Enter a minimum number of characters for the account
number.
- Maximum Length: Enter a maximum number of characters for the account
number.
Remittance ID Range
- Start Number: Enter a start number for the remittance ID range.
- End Number: Enter an end number for the remittance ID range.
Remittance List
- Remittance ID List: Click Search to view and select the required
remittance list. You can configure the required remittance list ID using
the Remittance List Maintenance.
Collection Period
- Start Date: Select a start date for the collections from the dropdown
calendar.
- End Date: Select an end date for the collections from the dropdown
calendar.
- Start Time: Enter a start time for the collection.
- End Time: Enter a stop time for the collection.
- End Date Part of Account Number: By default, it is disabled. If enabled,
the collection end date is expected to be part of the account number.
If disabled, the account number appears as it is.
- Date Format: Select a date format from the dropdown list, if the
collection end date is part of the account number.
- Start Position: Select a start position of the date, if the collection
end date is part of account number.
Checksum Algorithm
- Checkdigit Position: Enter a checkdigit position.
- Checksum Algorithm: Select one of the checksum algorithm from
the dropdown list:
- Modulo 97: If selected, can have only numeric account mask.
- Modulo 10: If selected, can have mask of length 10.
- Modulo 11: If selected, can have either numeric or alphanumeric account
mask. In case of numeric, D is appended to the account mask by the system
and in case of alpha numeric, user must manually input D at the end of
the mask.
- Modulo 11: With weights this can have mask with size not more than
13.
- Include Transaction Amount: By default, it is disabled. If enabled,
the transaction amount must be included in the checksum calculation.
If disabled, the transaction amount is not included and displays the
amount as it is.
Transaction Amount Range
- Click + to add a row and provide the required
details:
- Currency: Click Search to view and select the required currency.
- From Amount: Enter the start range for the transaction amount.
- To Amount: Enter the end range for the transaction amount.
Preferences
- Reporting Preferences: Select one of the following preferences for
reporting from the dropdown list:
- Virtual Account Number: If selected, the virtual account number is
reported with the transaction.
- Remitter ID: If selected, the remittance ID is reported with the
transaction.
- Virtual Account No-Prefix: If selected, the virtual account number
with a specified prefix is reported with the transaction.
- Virtual Account No-Suffix: If selected, the virtual account number
with a specified suffix is reported with the transaction.
- Remitter ID - Prefix: If selected, the remittance ID with a specified
prefix is reported with the transaction.
- Remitter ID - Suffix: If selected, the remittance ID with a specified
suffix is reported with the transaction.
Tips
Depending on the options selected the options are enabled.
- Prefix/Suffix: Enter a prefix/suffix value, if the reporting preference
contains a prefix/suffix.
- Failure Action: Select an action to be performed, if the corporate
specific validation rule fails during the execution for a transaction.
Based on the preferences, the transaction either proceeds or is rejected.
- Exception Suffix: Enter a suffix, if the validation fails the transaction
proceeds based on the preference and is suffixed with the reporting value.
- Click Save. You can view the configure remittance list
ID details in the Remittance List Summary.
After you configure the remittance list ID, you can map the details
in the Multi-Currency Identifier Mapping.
1.5 Multi-Currency Identifier Mapping
You can map multi-currency virtual identifiers for a customer and
its accounts based on the transaction currency. This allows the corporate
to assign/create virtual identifier based account numbers. The same identifier
can be used to make transactions in different currencies and based on
the transaction currency the account can be derived.
For a virtual identifier and the transaction currency combination,
a real customer account must be mapped. A default account must be configured
in case the maintenance for the transaction currency is not found. You
can also map corporate specific rules for a customer.
1.5.1 Multi-Currency Identifier Mapping Summary
The summary screen provides a list of mapped multi-currency identifiers.
You can map multi-currency identifier using the Multi-Currency Identifier Mapping Maintenance.
1.5.1.1 How to reach here:
Virtual Account Management > Identifier > Multi-Currency Identifier
Mapping > View Multi-Currency Identifier Mapping
Field
|
Description
|
Customer Number
|
Displays the real customer
number for which the virtual identifier mapping is maintained.
|
Branch Code
|
Displays the branch code
where virtual identifier mapping is maintained.
|
Virtual Account Identifier
|
Displays the virtual account
identifier details.
|
Description
|
Displays additional information
about the record.
|
Status
|
Displays the status of
the record.
|
1.5.2 Multi-Currency Identifier Mapping Maintenance
The maintenance screen allows you to map multi-currency virtual identifiers
for a customer and its accounts based on the transaction currency.
1.5.2.1 How to reach here:
Virtual Account Management > Identifier > Multi-Currency Identifier
Mapping > View Multi-Currency Identifier Mapping
1.5.2.2
How to map multiple currency identifier:
- In the Create Multiple Currency Identifier Mapping
page, provide the required details:
- Customer Number: Click Search to view and
select the required customer number.
- Customer Name: Based on the Customer Number selected
the information is auto-populated.
- Branch Code: Click Search to view and select
the required branch code.
- Virtual Account Identifier Mask: Based on the Branch Code selected
the information is auto-populated.
- Virtual Account Identifier: Enter a unique identifier for the customer
which complies to the mask.
- Identifier Description: Enter additional information about the identifier.
- Validation Rule ID: Click Search to view and select
the required validation rule ID.
- Rule Description: Based on the Validation Rule ID selected the information
is auto-populated.
- Click + to add a row and provide the required details.
- Transaction Currency: Click Search to view and select a transaction
currency from the dropdown list.
- Real Account Number: Click Search to view and select a real account
number to associate the transaction currency.
- Account Branch: Based on the Real Account Number selected, the information
is auto-populated.
- Default Account: Select a default account from the dropdown
list. The default account is used if account maintenance is not found
for transaction currency.
- Click Save. You can view the defined mapping details in
the Multi-Currency Identifier Mapping Summary.