Limits Package Management

Limit package is a group of transaction limits. As part of the limit package management, defined limits (created through ‘Limit Definition’) can be mapped to each transaction or to a transaction group (Created using Transaction Group Maintenance). Each package is associated with a specific channel/touch point or with a group of touch points.

The limits packages once created can be mapped to

• User Segment – using System Rules maintenance
• Party – using Party Preferences (Cumulative User Limits and Cumulative Customer limits)
• User – using User Management

Prerequisites:

• Transaction access is provided to System Administrator.
• Approval rule set up for System Administrator to perform the actions.
• Transaction aspects - limit parameter is enabled for required transactions,
• Transactions groups are maintained as required.
• Touch Point and touch point groups are maintained as required.
• Limit definitions are maintained.

Workflow

Features supported in application

Following functions can be performed by the bank administrator as part of the limit package maintenance:

• Search/ View Limit Package
• Create Limit Package
• Edit Limit Package
• Clone Limit Package
• Delete Limit Package

How to reach here:

Administration Dashboard > Limits > Limits Package Management
OR
Administration Dashboard > Toggle menu > Limits > Limits Package

Limit Package Management - View

Using this option, AdministratorAdministrator is a set of individuals that administer the applicant/Affiliate entity. For example, Accountants, Authorized Signatories for organizations, Power of Attorney for individuals. can search for specific limit package based on different search parameters like package code, user segments to for which the package is enabled, touch point/touch point groups to which a package can be mapped etc The search results displays a list or particular limit package/s based on different search filters selected.

If the search parameters are not specified, records of all the packages maintained in the application are displayed.

To search and view limit package:

• In the Limit Package Management screen, click Search. The Limit Package Management screen with search results appears based on the searched criteria.
  OR
  Click Clear to reset the search parameters.
  OR
  Click Cancel to cancel the search process.
  

Limit Package Management - Search

• Click the Limit Package Code of the record for which you want to view the details. The Limits Package Management - View screen appears.

Limit Package Management - View

• Click Clone to make another limit package with similar details.
  OR
  Click Edit to edit the limit package.
  OR
  Click Delete to delete the limit.
  OR
  Click Cancel to cancel the transaction and go back to Dashboard.
  OR
  Click Back to navigate to the previous screen.
  

Limit Package Management - Create

An administrator can create a new limit package using this maintenance. User has to define a touch point or a touch point group and a currency in which a package is to be created. The touch points and groups defined are listed for selection. A package can also be enabled for mapping at multiple user segments.

An administrator can add multiple transactions and transaction groups in a package and can assign limit definitions created for each transaction and for a group.

Further, these packages can be assigned at each touch point/group level while defining user segment parameters, party preferences and while creating business users.

To create a limit package:

1. In the Limit Package Management screen, click Create. The Limit Package Management - Create screen appears.

Limit Package Management - Create

• In the Limit Package Code field, enter the code for the limit package.
• In the Limit Package Description field, enter the description of the limit package.
• In the Touch Point field, select the appropriate option.
• If you select Touch Point;
• From the Touch Point list, select the appreciate option.
• If you select Touch Point Group;
• From the Touch Point Group list, select the appreciate option.
• From Available To Role list, select the appropriate role.
• From Currency list, select the appropriate currency to be associated with the Limit Package. It enables the Transactions / Transaction Group - Limits section.
• From the Transaction / Transaction Group Namefrom the list, select the appropriate option for the limit package in the Transactions / Transaction Group - Limits section.

• Note: Click View Details link to view transaction group details.

• Field Description

  Field Name	Description
  Group Code	Search the transaction groups with group code.
  Group Description	Search the transaction groups with group description.
  No. of Transactions	Number of transactions associated with the transaction groups.

• Select the Effective Datefrom the calendar for the limit package in the Transactions / Transaction Group - Limits section.
• From the Cumulative Limit Daily, Cumulative Limit Monthly, Transaction Limit and Cooling Limit lists, select the appropriate limits.
• Click Add Transaction and repeat the steps 4 to 6, if you want to assign limits for more transactions.
  OR
  Click Add Transaction Group and repeat the steps 4 to 6, if you want to assign limits for more transactions groups.
• Click Save to save the limit package.
  OR
  Click Cancel to cancel the transaction.
  OR
  Click Back to navigate back to previous screen.
• The Review screen appears. Verify the details, and click Confirm.
  OR
  Click Edit to modify the details.
  The user will be navigated back to the create screen.
  OR
  Click Cancel to cancel the transaction.
• The success message of transaction submission appears.
  Click OK to complete the transaction.

Note: You can click to delete a transaction or cooling limit of a transaction.

Limit Package Management - Edit

Using this option, System Administrator can update or edit a limit package created for a specific channel/touch point. User is not allowed to edit the code, currency and touch point details, whereas can add or remove the transactions/transaction groups available as a part of package. And also can edit the limit definitions mapped against each type of limit.

To edit a limit package:

1. In the Limit Package Management screen, click Search. The Limits Package Management screen with search results appears based on the searched criteria.
   OR
   Click Clear to reset the search parameters.
   OR
   Click Cancel to cancel the search process.

• Click the Limit Package Code of the record for which you want to modify the details. The Limits Management-View screen appears.

3. Click Edit. The Limit Package Management - Edit screen appears.

4. Edit the required details, e.g. Touch point, Touch point group, roles, cumulative and/ or transaction, Transaction Group and/ or cooling limit.

Note: Click View Details link to view transaction group details.

Field Description

Field Name	Description
Group Code	Search the transaction groups with group code.
Group Description	Search the transaction groups with group description.
No. of Transactions	Number of transactions associated with the transaction groups.

5. Click Add Transaction , if you want to add a new transaction.
   OR
   Click Add Transaction Group , if you want to add a new transaction group.
   OR
   click to delete an existing transaction/ transaction group.
6. Click Save to save the changes made to the limit package.
   OR
   Click Cancel to cancel the transaction.
   OR
   Click Back to navigate back to previous screen.
7. The Review screen appears. Verify the details, and click Confirm.
   OR
   Click Cancel to cancel the transaction.
   OR
   Click Back to navigate back to previous screen.
8. The success message of transaction submission appears.
   Click OK to complete the transaction.

Limit Package Management - Clone

To speed up the process of creating new limit package, System Administrator can clone an existing limit package. All the values available in an existing package are shown in an editable format, administrator is allowed to make changes in it and save the package with different name.

To clone a limit package:

1. In the Limit Package Management screen, click Search. The Limits Package Management screen with search results appears based on the searched criteria.
   
   OR
   
   Click Clear to reset the search parameters.
   
   OR
   
   Click Cancel to cancel the search process.

• Click the Limit Package Code of the record for which you want to clone the details. The Limits Package Management-View screen appears.

3. Click Clone. The Limits Package Management-Create screen appears with existing limit package details.

4. Update limit package with required changes.
5. Click Save to save the limit package.
   OR
   Click Cancel to cancel the transaction.
   OR
   Click Back to navigate back to previous screen.
6. The Review screen appears. Verify the details, and click Confirm.
   OR
   Click Cancel to cancel the transaction.
   OR
   Click Back to navigate back to previous screen.
7. The success message of transaction submission appears.
   Click OK to complete the transaction.

Limit Package Management - Delete

Using this option, System Administrator can delete a limit package created for a specific channel/ touch point. Deletion of limit package is allowed only if not in use (not mapped at any level).

To delete a limit package:

1. In the Limit Package Management screen, click Search. The Limits Package Management screen with search results appears based on the searched criteria.
   OR
   Click Clear to reset the search parameters.
   OR
   Click Cancel to cancel the search process.

• Click the Limit Package Code of the record for which you want to view the details. The Limits Package Management-View screen appears.

3. Click Delete. The Delete Warning message appears.

4. Click Confirm to confirm the deletion.
   OR
   Click Cancel to cancel the deletion process.
5. The success message of limit package deletion appears.
   Click OK to complete the transaction.

FAQs

Can I delete transaction and/ or cumulative limits against a transaction in limit package?

No, existing limits against a transaction cannot be deleted; it can only be edited if effective date is starting from a future date.

Am unable to delete a limit through limit maintenance?

There is a possibility that the limit that you are trying to delete is associated in the limit package against a transaction(s).

Am unable to delete limits package through limit maintenance?

There is a possibility that the limit package that you are trying to delete is associated at any of the entities i.e. User / PartyA party is any individual or business entity having a banking relationship with the bank. / Role level.

As part of edit, what can I update in the limits package maintenance?

You can edit the transaction and/ or cumulative limits against the transaction.
You can delete the transaction(s) from the limits package and/or you can also add new transaction(s) as part of the limits package.

What is the significance of ‘Available to Roles’ in Limits package?

The roles defined in Limits package will make the package available to the users of that role only.

Have created/ edited/ deleted Limits and/ or Limits package but it is not reflecting in the system even after a successful maintenance save message?

There is a possibility that the maintenance is saved but the status is ‘Pending Approval’.
For the maintenance, if there is an approval required then the changes will reflect only once the approver(s) approve the submitted request.
If the setup does not require an approval workflow or is self / auto approved, then the same will reflect immediately.

How can I define the touch point groups?

A separate menu option ‘Touch Point Group Maintenance’ is available using which you can maintain internal and external touch point groups.

How can I define the transaction groups?

A separate menu option ‘Transaction Group Maintenance’ is available using which you can maintain group of transactions.

Will the limits be applicable for newly added touch point or transactions in a respective groups?

Yes, limits will also be applicable for transaction or touch points added at a later stage in respective groups which are mapped as a part of limit package.

How the limit will be utilized, if you add a new transaction to the group for which customers have already initiated transactions during the day but before group formation?

Limits assigned at individual transaction level will be utilized for the transaction Initiated before the transaction group formation. These limits will not be considered for group limit utilization.

Can I delete a transaction group which is a part of any limit package?

No, a transaction group cannot be deleted if a group is already associated with the limit package.

How the limits will be applied if the limit definitions are mapped for a specific transaction and to a group in which the same transaction is available?

Limits mapped for a transaction and group will be checked. Only if the sufficient limits are available at both the level, then user will be allowed to perform the transaction.
Example:
User level daily transaction limit of Domestic Transfer internet banking channel = 100000 User level daily transaction limit of Domestic Transfer for mobile banking channel = 50000 User level daily consolidated touch points transaction limit for Domestic Transfer = 120000

Days	User action	Internet – Touch Point Limit	Mobile – Touch Point limit	Touch Point Group – User level limits
Day 1	For internet as a touch point, Domestic Transfer transaction limit assigned by the Bank is 100000.	100000		120000
Day 1	For Mobile as a touch point, Domestic Transfer transaction limit assigned by the Bank is 50000		50000
Day 1	This means, user can perform maximum transaction worth 100000 from internet and maximum of 50000 from mobile daily. And touch point group limit maintained is 120000 for a day User level will override the limits defined at user segment/type level
Day 1	1. User preforms Domestic Transfer transaction worth 20000 from mobile touch point. 2. Now, user will be allowed Domestic transfer transaction of 100000 from internet and 30000 from mobile for that day 3. As per touch point group limits, user will be allowed to perform domestic transfer transaction of 100000 from either internet banking OR mobile banking.	100000	30000	100000
Day 1	1. User preforms Domestic transfer transaction of 50000 from internet \ on the same day. 2. Now, user will be allowed maximum of 50000 Domestic transfer transaction from internet banking and 30000 from mobile banking for that day. 3. Whereas, as per consolidated touch point limit, user will be allowed tpo perform Domestic Transfer transaction worth 50000 from either internet or from mobile.	50000	30000	50000
Day 1	1. Now user preforms Domestic transfer transaction of 20000 from mobile. 2. Then user will be allowed to perform the transaction of 50000 from internet and 10000 from mobile for that day. 3. As per consolidated touch point limit, user will be allowed Domestic Transfer transaction of 30000 from either internet or mobile. 4. Now, user will be allowed transaction of 30000 only from internet as consolidated channel limit is reduced to 30000.	50000	10000	30000
Day 1	1. After above transaction, if user utilizes 30000 from internet then internet limit will be 20000 2. Now, if user performs Domestic transfer transaction of any amount from mobile or internet then user will be displayed an error message. As touch point group limits are exosted.	20000	10000	0.00

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