2. FCUBS Trade - OBCL Integration

The integration between FCUBS trade and OBCL enables banks to do the following:

This chapter contains the following sections:

2.1 Scope

This section contains the following topic:

2.1.1 Integration Scope

The following are the integration scope of FCUBS with OBCL:

2.2 Prerequisites

This section contains the following topics:

2.2.1 Prerequisites in Oracle FLEXCUBE Universal Banking System

The prerequisites in FCUBS for this integration are as follows:

2.2.2 Prerequisites in Oracle Banking Corporate Lending

The prerequisites in OL for this integration are as follows:

2.3 Integration Process

This section contains the following topics:

2.3.1 Loan Creation during Import Bill Liquidation

Import bills are created for products with ‘Advance by Loan’ option selected.

Saving Import Bill Liquidation

During liquidation of import bills, partial or full liquidation, details for loan creation will be available in Loan Preference screen. The details should be maintained as below:

BC Limits will be defaulted to Loan Preference and you can modify the same.

Authorizing Import Bill Liquidation

During manual bill liquidation authorization, if the limits are tracked in the bill, then request for limit de-utilization will be posted to ELCM with process status as ‘U’ (in STTB_REQ_MASTER). If the de-utilization is successful then the process will be ‘P’. Bill authorization can proceed only if de-utilization is successful.

If any dual authorization overrides are logged during save of bill liquidation, then authorization of bill liquidation will fail with error ‘Contract Authorization possible only after authorizing the overrides'. You have to authorize the override manually and then proceed for authorization of bill liquidation.

Request for loan creation and authorization will be posted in intermediate store with the following details:

If loan processing has failed and the user tries to authorize, the system displays an error message.

If Loan authorization has failed due to rejection of Credit Exception, manual authorization can be initiated again

Deleting Import Bill Liquidation

If ‘External Loan Request Status’ is ‘Unprocessed’ then you cannot delete the bill. If ‘External Loan Request Status’ is ‘Failed’, then you can delete the bill. On successful Bill deletion entries from staging tables will be moved to History tables.

2.3.1.1 Product Maintenance

You have to maintain the loan product in the Bills and Collections Product Definition (BCDPRMNT) screen. You can invoke this screen by typing ‘BCDPRMNT’ in the top right corner of Application toolbar and clicking the adjoining arrow button. The loan products are displayed in ‘Loan Product’ option in ‘Loan Preferences for Import Bills in Preferences’ section.

You have to maintain the following in this screen to create Import bill product:

Advance by Loan

Check this box to create import bill.

Loan Product

Specify the loan product. Alternatively, you can select the loan product from the option list. The list displays all valid options maintained in FCUBS and OBCL.

If 'LOAN_PROCESSOR' in CSTB_APARM is 'E', then the system will interface with OBCL. The Loan Product option list will fetch only OL products. If the parameter value is 'I' (Internal), system will continue with CL Module.

Inter System Bridge GL configured for External System Type ‘Loans’ to be available in Suspense General Ledger option list.

2.3.1.2 Loan Preferences

You have to maintain the loan product in the contract screen also. The system supports multi limits for loan processing.You can invoke ‘Bills and Collections Contract Input’ screen by typing ‘BCDTRONL’ in the top right corner of the Application toolbar and clicking adjoining arrow button.From BCDTRONL, click ‘Loan Preference’ link to invoke Loan or Finance Preference screen.

Product

Specify the product code. Alternatively, you can select the product code from the option list. The list displays all valid options maintained in FCUBS and OBCL.

2.3.1.3 Import Bill Processing

You can view the status of loan request in ‘External Loan Request Status’ field in the ‘Details’ tab of this screen.

2.3.2 Loan Creation during Shipping Guarantee Creation

Loan as collateral is created for a Shipping Guarantee product if ‘Collateral Funding by Loan’ is checked. The following steps are performed while creating a loan as a collateral for shipping guarantee issuance.

Saving Shipping Guarantee Creation

Authorizing Shipping Guarantee Creation

Shipping Guarantee authorization will fail if there are any dual authorization overrides and system will display an error message. User has to authorize the override manually and then proceed for authorization of shipping guarantee.

Loan creation and loan authorization requests will be posted in intermediate store with the following details:

The ‘External Loan Request Status’ in LCDTRONL will be updated as ‘Unprocessed’. If you try to delete, modify or authorize the Shipping Guarantee, the system displays an error message.

2.3.2.1 Product Maintenance

You can invoke the ‘Letters of Credit Product Definition’ by typing ‘LCDPRMNT’ in the top right corner of the Application toolbar and clicking the adjoining arrow button.

You have to maintain the following in this screen to create Shipping Guarantee product:

Collateral Funding by Loan

Check this box to create loan for shipping guarantee.

Loan Product

Specify the loan product. Alternatively, you can select the loan product from the option list. The list displays all valid options maintained in FCUBS and OBCL.

2.3.2.2 Loan Preferences

You can invoke ‘Letter of Credit Contract Input’ screen by typing ‘LCDTRONL’ in the top right corner of the Application toolbar and clicking adjoining arrow button. Click ‘Loan Preference’ button to invoke ‘Loan or Finance Preference’ screen.

Product

Specify the product code. Alternatively, you can select the product code from the option list. The list displays all valid options maintained in FCUBS and OBCL.

2.3.2.3 Shipping Guarantee Processing

You can view the status of loan request in ‘External Loan Request Status’ field in the ‘Main’ tab of this screen.

2.3.3 Loan Creation during Guarantee Claim Settlements

The request for loan processing will be sent to OBCL through web service during authorization of Guarantee Claim Settlement.

Saving Guarantee Claim Settlement Creation

When Claim Settlement is done for a guarantee contract created with Claim Settlement by Loan option, then the following details for loan creation will be defaulted in Loan Preference screen:

Authorizing Guarantee Claim Settlement Creation

Claim Settlement Authorization will fail if there are any dual authorization overrides and system displays an error message. You can authorize the override manually and then proceed for authorization of Claim Settlement.

Loan creation and authorization requests will be posted in intermediate store with the following details:.

The ‘External Loan request Status’ in LCDGCLP will be updated as ‘Unprocessed’. If you try to delete, modify or authorize the Claim Settlement, the system displays an error message.

Limits utilized during Guarantee Issuance and/or Amendment will be de-utilized to the extent of the claim amount while settling the claim.

Liability amount and/or available amount will be reduced to the extent of claim amount upon settlement.

2.3.3.1 Loan Processing

When a loan creation request is sent to OBCL through web service, the loan will be created and saved. You can process loan creation requests with multi limits.

If loan authorization is successful, External Loan Request Status will be ‘Processed’ and if authorization is failed then the status will be ‘Failed’.

If loan deletion request is sent, OBCL will process the same and responses will be send to FCUBS. On successful loan deletion, underlying Claim Settlement will be deleted.

The loan which is created and unauthorized from FCUBS, will not be allowed to modify, delete and authorize manually in OBCL.

2.3.4 Linkage of Packing Credit Loan in Export Bills

The following steps are performed while processing the export bill with packing credit loan attached.

2.3.4.1 Linking Packing Credit Loans in the Contract screen

In Bills and Collections Contract Detailed screen, under Packing Credit tab, Packing credit loans can be linked during purchase or discount of Export Bills /Liquidation of Export Collection Bills.You can invoke ‘Bills and Collections Contract Input’ screen by typing ‘BCDTRONL’ in the top right corner of the Application toolbar and clicking adjoining arrow button.

Loan Account Number

Specify the loan account number. Alternatively, you can select the loan account number from the option list. The list displays all valid options maintained in both FCUBS and OBCL.

2.3.5 Link to a Loan

The following steps are performed while linking a loan.

Export Bills contract should be created for the products with Link to Loan as ‘Y’ and it should be provided to OBCL. You can access Link to Loan in FCUBS through external option list.

2.3.6 OL Products and Contracts from OBCL to FCUBS

OL Product

Oracle Lending products that are created or modified in OBCL will be exposed to FCUBS through the following operations in FCUBSIFService:

Interest components for loan products also will be sent to FCUBS.

OL Contracts

Oracle Lending contracts that are created or modified in OBCL will be exposed to FCUBS through the following operations in FCUBSIFService:

2.3.7 ELCM Limit Processing

During manual Bill liquidation authorization, if limits are tracked in Bill then request for Limit line de-utilization will be posted to ELCM and it will be logged in STTB_REQ_MASTER with Process Status 'U'. If de-utilization is successful, process status will be 'P'. Bill authorization can be processed only if de-utilization is successful.

The system also supports multi limits during loan creation. If there are adequate limits, then the limit utilization will be successful. If there is breach of limits, then credit exception will be raised. You can resolve or reject the credit exception manually through GEDAUTH screen.

2.3.8 Job Processing

Scheduler job ‘ELSLOANPROC’ processes request from FCUBS to OBCL.The request processing is based on the following loan actions:

Note

For LOANREVERSAL, if a bill has multiple packing credit loans linked to it and if the pay­ment of loans are partially success then the bill can be deleted. If the bill is deleted a re­versal of payment request should be initiated for the loans that were successful.

The following request and response will be processed through web service:

2.3.9 Trade-OL Transaction Log

You can view the log of Trade-OL interface transactions through ‘Trade OBCL Manual Status Change’ screen. You can invoke this screen by typing ‘IFDLMNPC’ in the top right corner of the Application toolbar and clicking adjoining arrow button.

Trade Reference

Specify the trade reference number.

Interface Sequence

Specify the interface sequence number.

Transaction Status

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

The system displays the following details:

Note

Requests with status ‘Failed’ can be modified to ‘Unprocessed’ for job pickup.

Request with status 'Failed' for loan authorization cannot be modified to 'Unprocessed' once Loan deletion request for the same is posted in intermediate store.

During Packing Credit - Multi Loan Payment, if payment of one of the loans has failed, then you can choose BC contract and any interface sequence number. While changing status from 'Failed' to 'Unprocessed' system will update status of all Payment Requests to Un­processed.

Loan Details

Payment Details

On receipt of Loan creation request through Webservice, loan contract will be created and saved. If Loan creation is with limit utilization and if limit is not available, credit exception will be raised, however loan will be saved.

The loan authorization status and corresponding credit exception status will be as follows:

Loan Authorization Status

Credit Exception Status

Processed

Not Applicable

Failed

Unresolved

Processed

Resolved

Failed

Rejected

The loan request will be deleted if Credit Exception is Rejected.

Multi Loan Payment Processing

On receipt of Multi Loan Payment Save request, with multiple packing credit loans, system will liquidate all the Packing Credit loans received. On receipt of multi loan payment deletion, system will initiate deletion of each payment. Response for each payment deletion will be sent to FCUBS.Multi Loan Payment authorization response will have responses for each payment authorization.

The loans which are created and unauthorized from FCUBS, will not be allowed to modify, delete or authorize manually in OBCL.

2.3.9.1 Viewing Trade OBCL Transaction Details

You can view details of Transaction log of Trade-OBCL integration in ‘Trade OBCL Summary’ screen. You can invoke this screen by typing ‘IFSLMNPC’ the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search records based on the following parameters:

Click on ‘Search’ button with or without entering any of the above search parameters. All records matching the search criteria are displayed. To view a particular record double click on the desired record displayed in the list of records. The following details pertaining to each record is displayed: