3. Oracle FCUBS - Integration with OBLM

The integration between the Oracle FLEXCUBE Universal Banking System (FCUBS) and an External Accounting System enables sending requests for amount blocks and gets Credit from OBLM to get funds for ECA, EA and Internal Transactions.

This chapter contains the following sections:

• Section 3.1, "Scope"
• Section 3.2, "Prerequisites"
• Section 3.3, "Integration with OBLM"

3.1 Scope

FLEXCUBE will be able to send requests for Amount blocks and get Credit from OBLM to get funds for ECA, EA and Internal Transactions.

3.2 Prerequisites

Oracle FLEXCUBE Universal Banking Application and OBLM application is required.

3.3 Integration with OBLM

This chapter contains the following sections:

• Section 3.3.1, "Enhancing ECA to create a RTL Block"
• Section 3.3.2, "Enhancing ECA to Close a RTL Block"
• Section 3.3.3, "Enhancing EA for EA> ECA Block amount or EA without ECA"
• Section 3.3.4, "Enhancing Internal Transaction"
• Section 3.3.5, "OFCUB-OBLM Interface Processing"

3.3.1 Enhancing ECA to create a RTL Block

• CreateEcablk Gateway Service has a tag – Referral Allowed. Only when this tag is sent as Y, partial release allowed is N and Real Time Liquidity Enabled Flags are checked at account level that calls OBLM to satisfy the ECA block.
• While creating an ECA block if the funds available in the Withdrawable balance is not sufficient, it will mark the ECA as Pending and create a RTL block with RTL Requested amount = ECA Requested Amount - Withdrawable balance.
• The Withdrawable balance available is blocked and a record is inserted into the RTL queue with status ‘Unprocessed to be picked up and sent to OBLM.
• When a transaction is inserted into the RTL queue, an override is displayed.
• The ECA status and ECA block status is marked as ‘Pending’ until it gets a response from OBLM.
• The records with status Unprocessed is picked up and the Rest Service for creation of RTL Block by OBLM will be invoked.
• The status in the RTL queue is updated to ‘Initiated’/‘Error’ based on the response for the Rest Service.
• When OBLM sends an Error:
  • System will try to utilize the withdrawal balance to get the required block amount. If that is not sufficient, then the system will try to utilize the account limit/facility to get the required block amount.
  • If the system is able to block the required funds from account limits/ facility the ECA block is made a success and RTL queue will be updated to ‘Blocked’.
  • Else, it is updated as a Failure and RTL queue will be updated to ‘‘Failure’.

• A new Webservice CreateRTLResponse is developed for OBLM to send the response for the RTL request initiated:
  • When OBLM sends a full success, the status in the RTL queue will be updated to ‘Blocked’.
  • When OBLM sends a Partial Success, then the system will try to utilize the withdrawal balance to get the required block amount. If that is not sufficient, then the system will try to utilize the account limit/facility to get the required block amount. If the system is able to block the required funds from account limits/ facility the ECA block is made a success and RTL queue will be updated to ‘Blocked’. Else, it is updated as a Failure and RTL queue will be updated to ‘Undo’.
  • When OBLM sends a Failure, then the system will try to utilize the withdrawal balance to get the required block amount. If that is not sufficient, then the system will try to utilize the account limit/facility to get the required block amount.If the system is able to block the required funds from account limits/ facility the ECA block is made a success and RTL queue will be updated to ‘Failure’.

• The amount blocked by RTL is added to the ECA approved block amount and outstanding block amount and to RTL Blocked amount.

3.3.1.1 Real Time Liquidation Queue

Screen IFDRTLQU (Real time Liquidation Queue) has been newly introduced. This can be used to Query the status of the RTL Request that has been sent/going to be sent to OBLM.
You can invoke this screen by typing ‘IFDRTLQU’ in the field at the top right corner of the Application toolbar and clicking the adjoining arrow button.

 

Click ‘Enter Query’ to specify and view the following details:

Real Time Liquidity Reference

Specify the RTL reference number.

The following RTL details are displayed based on the query:

• Account Branch
• Account Number
• Transaction Branch
• Process Status
• Requested Amount
• Approved Amount
• Initiation Date
• External Credit Approval Reference Number
• External Credit Approval Block Reference Number
• Transaction Reference Number

The details button will open a sub-screen which will display the log details for all the statuses of the RTL Request

.
The following RTL log details are displayed based on the query:

• Real Time Liquidity Reference Number
• Requested Amount
• Approved Amount
• Process Status
• Process Status DateEnhancing ECA to modify a RTL Block
• ModifyEcablk Gateway Service will have a tag - Referral Allowed. Only when this tag is sent as Y, partial release allowed is N and Real Time Liquidity Enabled Flags is checked at account level that calls OBLM to satisfy the ECA block.
• ModifyEcablk can result in either Creation of RTL block or Modify of RTL block.
• The Withdrawable balance available is blocked and a record is inserted into the RTL queue with status ‘Modify’ for Modify of RTL block and ‘Unprocessed’ for Creation of RTL Block to be picked up and sent to OBLM.
• When a transaction is inserted into the RTL queue, an override is displayed.
• The ECA status and ECA block status will be marked as ‘Pending’ until it gets a response from OBLM.
• The records with status ‘Unprocessed/Modify' will be picked up and the Rest Service for creation of RTL Block by OBLM will be invoked.
• The status in the RTL queue will be updated to ‘Initiated’/‘Error’ based on the response for the Rest Service.
• When OBLM sends an Error, then the system will try to utilize the withdrawal balance to get the required block amount. If that is not sufficient, then the system will try to utilize the account limit/facility to get the required block amount.If the system is able to block the required funds from account limits/ facility the ECA block is made a success RTL queue will be updated to ‘Blocked’. Else it is updated as a Failure and RTL queue will be updated to ‘Failure’.
• A new Webservice CreateRTLResponse will be developed for OBLM to send the response for the RTL initiated request.
• When OBLM sends a full success, the status in the RTL queue will be updated to ‘Blocked’.
• When OBLM sends a Partial ‘Success’/’Failure’, then the system will try to utilize the withdrawal balance to get the required block amount. If that is not sufficient, then the system will try to utilize the account limit/facility to get the required block amount. If the system is able to block the required funds from account limits/ facility the ECA block is made a success and RTL queue will be updated to Blocked. Else,, it is updated as a ‘Failure’ and RTL queue will be updated to ‘Undo’ or ‘Failure’ for Creation of RTL Block and ‘Modify’/ or ‘Blocked’ for modify of RTL block.
• The amount blocked by RTL is added to the ECA approved block amount and outstanding block amount and to RTL Blocked amount.

3.3.2 Enhancing ECA to Close a RTL Block

CloseEcablk Gateway Service is enhanced to internally Close a RTL Block which was created for the ECA block.

3.3.3 Enhancing EA for EA> ECA Block amount or EA without ECA

• CreateExtAccEcaEntries Gateway Service will have a tag - Referral Allowed. Only when this tag is sent as Y, partial release allowed is N for the ECA linked and Real Time Liquidity Enabled Flags is checked at account level, that calls OBLM to satisfy the EA.
• When an EA is received by FCUBS if the EA amount is greater than ECA block amount or if EA is sent without ECA, and the required amount is greater than the Withdrawable balance, System will create an Internal ECA which will in turn call create RTL block.
• When a transaction is inserted into the RTL queue, an override is displayed.
• After receiving a response for the Internal RTL block, one can use Limits, Facility or go overline to satisfy the EA.

3.3.4 Enhancing Internal Transaction

• Transactions arising from modules for which referral allowed is Y can go to RTL to get the funds required.
• When a EA is received by FCUBS if the EA amount is greater than ECA block amount or if EA is sent without ECA, and the required amount is greater than the Withdrawable balance, System will create an Internal ECA which will in turn call create RTL block.
• When a transaction is inserted into the RTL queue, an override is displayed.
• After receiving a response for all the Internal RTL blocks raised for the transaction, one can use Limits, Facility or go overline to satisfy the EA.

RTL supports below modules:

• SI - Standard Instructions
• FX - Foreign Exchange
• BC - Bills and Collections
• LC,- Letters of Credit
• DE - Data Entry
• CD - Corporate Deposit
• FS - FX Settlement
• IB - Islamic Bills and Collections
• LI - Islamic Letter Of Credits
• MC - Islamic Money Market
• SR - Securities Repo and Reverse Repo

3.3.5 OFCUB-OBLM Interface Processing

New API will be introduced to interface OFCUB with OBLM and the communication will be done using Rest Service.

User may refer to PM Integration document for IFDEPSMT maintenance.(External system maintenance (IFDEPSMT)} that is maintained for RTL integration with the External System type 'Liquidity Management.'