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Retail Teller User Manual

1. val ORACLE 5 14 Stationary Management Report You can invoke Stationary Management Report screen by typing RTRPSMNG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Stationary Management Report 5 All Branches Single Branch Branch Code Report Date Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code You can generate this report for all the branches or a single branch alone You can indicate the branch for which the report is being generated using the following options e All If you choose this the system will generate the report for all the branches e Single If you choose this you need to specify the branch code for which the report should be generated The option list displays all valid branch codes maintained in the system Choose the appropriate one Date Specify date of the report from the adjoining calendar Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The following details are displayed in the header section Field Name Field Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current Branch code and Branch Name User ID Indi
2. 8 1 8 Retail Teller Glossary List of Important Terms This section gives a list of important terms used in this manual Account Statement This specification indicates whether the transaction posted using data entry module must be made available while the statement for the account is generated Amount Item This indicates the amount entry that is passed into a general ledger sub ledger in the chart of accounts for each transaction Authorization A facility provided for the purpose of cross checking and verifying a transaction to ensure that it conforms to the parameters maintained for the branch After authorization the transaction comes into effect and will be processed by the system Authorization Amount Limit This indicates the maximum amount of a transaction that can be authorized by an authorizer user in the system Authorizer This indicates a user who authorizes maintenance information records or transactions in Oracle FLEXCUBE The authorizer cannot be the same user who created the record Batch This indicates a group of transactions of a particular type All transactions of a particular type can be authorized on a business day by authorizing the batch into which they have been grouped Branch Parameters Static information maintained for a branch containing mandatory operations and default parameters that would be specific to the branch They are also known as branch conditions Clearing Bank Codes This indic
3. Maximum Cash Holding Specify the maximum cash holding amount The maximum cash holding amount should not be less than minimum cash holding amount oe ORACLE 3 3 3 Viewing Teller Branch Parameter You can view retail teller branch parameters in the Teller Branch Parameter screen You can invoke this screen by typing STSTBRAN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Teller Branch Parameter Summary Records per page 15 v 10f1 e od Advanced Search Reset Authorization Status Branch Code Branch Description Currency a Maximum Cash Deposit Maximum Cash Holding Minimum Cash Holding Record Status Authorization Status Record Status Branch Code Branch Description Currency Maximum Cash Deposit Maxim You can view the following details here Branch Code Currency Maximum Cash Deposit Minimum Cash Holding Maximum Cash Holding 3 4 Reversing of Online Charge You can reverse the online charge transactions using Transaction Reversal screen You can invoke this screen by typing DEDONLRV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Transaction Reversal E New E3 Enter Query Query Criteria Contract Reference Component Event Sequence Number Transaction Details 1
4. e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client location e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list a ORACLE 5 7 1 5 8 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Authentication Report is as follows Header The following details are displayed in the header section Field Name Field Description Bank Indicates Bank code and Bank Name Branch Indicates Branch Code and Branch Name Run Date Indicates Date on which report is generated User ID Indicates User ID For Period Indicates Period for which report is generated Body of the Report The following details are displayed as body of the generated report Field Name Field Description Supervisor ID Indicates Checker ID User Id Indicates Maker ID Account Number Account Desc Indicates Account Number Indicates Account Description Transaction Description In
5. RF AUTHORIZED SIGNATORY EF Note You can generate both debit and credit advices on completion of the transaction Multiple advice generation is supported for the below mentioned RT screens Cash Deposit 1401 Cash Withdrawal 1001 Miscellaneous GL Transfer 1005 Funds Transfer Request 1006 Miscellaneous Customer Debit 1008 Miscellaneous Customer Credit 1408 In House Cheque Deposit LOCH The following are the multiple advices which are supported for the above screens ADVICE_DR_TELLERTXN xml ADVICE_CR_TELLERTXN xml VAT_ADVICE xml VAT_ADVICE xml will show the advice generated for the message type VAT_ADV from host It would show the host generated advice whereas the other message types will be branch generated ones i ORACLE 7 1 3 7 1 4 Fixed Deposit Confirmation Advice Field Tags Description Branch Branch Code Date Account Opening Date Time of Transaction Checker Date TimeStamp Customer Name Customer No Teller Makerld TD account number TD amount TD amount in words TD tenor in days Number of days between Maturity Date and StartDate Start date Maturity date Interest rate Interest amount Projected interest amount at the time of maturity TD Ccy Currency of the TD Collection Cheque Credit Advice System would support the below mentioned advice fiel
6. a ORACLE 5 5 Header The Header carries the Branch of the report information on the branch and date transaction ID the ID of the user who generated the report the date and time at which it was generated and the module of the report Body of the report The generated report will be ordered by the Teller ID Field Name Description Teller ID This indicates the teller Id Currency This indicates the currency Product with description This indicates the product with the description Number of transactions by This indicates the number of transactions by teller for teller for the product the product Total amount This indicates the total amount Total Commission charged This indicates the total commission charged Overage and Shortage Report This report lists the overage shortage cash transactions performed during the day for a branch You can invoke Overage Shortage Report screen by typing TPROSREP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Overage shortage report Branch Code From Date To Date ReportFormat PDF Printer At Client Report Output Print Printer Specify the following details here From Date Specify the Overage shortage transactions From Date here in the format YYYY MM DD Alternatively you can also select the date from the adjoining calendar button By def
7. 0f1 Entry Serial Number Transaction Code Event Code Amount Tag ete ORACLE 3 5 Query Criteria You can base your query by providing any or all of the following details e Contract Reference Transaction reference number for the contract e Event Sequence Number Event sequence number of the transaction e Component Charge component to be reversed On clicking the Query button system identifies all records satisfying the above specified criteria and displays in the Transaction Details section Transaction Details System displays following details under Transaction Details section e Entry Serial Number e Module e Transaction Code e Event Code e Amount Tag e Transaction Date e Value Date e Debit Credit e Foreign Currency Amount e Exchange Rate e Local Currency Amount e Related Reference e Related Account You can reverse only non cash based transactions Maintaining Intra Bank Transit Account You can maintain intrabank transit account for each branch for receiver branch vault and currency combination in the Inter Branch Transit Account Maintenance screen You can oan ORACLE invoke this screen by typing DEDTRACC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Inter Branch Transit Account Maintenance E New amp Enter Query Branch Code Vault Id Transaction Code 1 OF 1 Receiving Branch R
8. All If you choose this the system will generate the report for all the branches e Single If you choose this you need to specify the branch code for which the report should be generated The option list displays all valid branch codes maintained in the system Choose the appropriate one SEN ORACLE Date Specify date of the report from th Contents of the Report The parameters specified while g e adjoining calendar enerating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The following details are displayed in the header section Field Name Field Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current Branch code and Branch Name User ID Indicates the Identification of the User Module Indicates the Module of the Report Report Run Date Indicates Current System Date Report Run Time Indicates Current System Time Page No The page number of the report Body of the Report The following details are displayed as body of the generated report Field Name Field Description MC Number Indicates the MC number Debit Account Number Indicates the debit account number Title Indicates the title Amount Indicates the amount Transaction Reference Number Indicates the transaction reference number Date of Tran
9. Date To Date Report Format PrinterAt Client v Report Output Printer You can specify the following parameters here Branch Code You can generate this report for all the branches or a single branch alone You can indicate the branch for which the report is being generated using the following options e All If you choose this the system will generate the report for all the branches e Single If you choose this you need to specify the branch code for which the report should be generated The option list displays all valid branch codes maintained in the system Choose the appropriate one From Date Specify a valid date from when you wish to generate the report from the adjoining calendar To Date Specify a valid date till wnen you wish to generate the report from the adjoining calendar Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Report is as follows Header The following details are displayed in the header section Field Name Field Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current Branch code and Branch Name User ID Indicates the Identification of the User a ORACLE Field Name Field Description Module Indicates the Module of the Report Report Run Date Indicates Current System Date Report Run Time Indicates Current Sys
10. Offset Account option in the Charge From Account field on this screen Note If the offset account you have specified uses an account class that is restricted for debit or credit transactions for the product an override is sought when you attempt to save the con tract Identifying Transaction Account You must specify the transaction account for the retail teller transaction as well as the branch in which this account resides The branch information you specify here could also be used in the case of an inter branch transaction ORACLE If you wish to maintain ARC details for a specific customer you can specify a valid customer account here In such a case the ARC record will be applicable to all retail teller transactions involving the customer product branch and currency combination that you have specified in this record in this screen Indicating the transaction account as the debit account You could indicate that the transaction account is to be the debit account for the transaction in teller transactions involving the product branch and currency combination To indicate this select the Transaction Account option in the Debit Account field on this screen Indicating the transaction account as the default charge account You could indicate that the transaction account is to be the default charge account for the transaction in teller transactions involving the product branch and currency combination T
11. Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client location e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list ote ORACLE 5 10 1 5 11 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Cheques Purchased Returned Today Report is as follows Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated the module of the report and product type Body of the Report The following details are displayed as body of the generated report Field Name Field Description Payee A C No Indicates Beneficiary Account Number Cheque No Indicates
12. can invoke Instruments Details Report screen by typing RTRINSDT in oe ORACLE the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button RTRINSDT__CVS_MAIN instrument Details Report Branch Code Date Status ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Date Specify a valid date for which you wish to generate instrument details report from the adjoining calendar Status Specify instrument status based on which you wish to generate the report from the adjoining option list Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to view the report e Spool Select to spool the report to a specified folder so that you can print it later Printer
13. for the charge e Product level tracking is checked and when transaction amount is greater than the available balance The non sufficient funds tracked transactions can be reversed on the same day only next day reversal is not allowed If netting is disabled for credit transactions the charges will be deducted from the account Hence NSF charge tracking preference will be applicable if system is unable to collect the charge amount Process flow for Non sufficient Funds Treatment If Charge Tracking Preference is selected as Part track or Full track then once the amount for tracking has been calculated then the system does the following e Creates an internal amount block for the amount to be tracked against the charge account in table CSTB_AUTO_SETTLE_BLOCK e The tracked amount will be updated in receivable amount in the CASA account e Once the receivable amount is updated the available balance is affected The receivable amount is deducted from current balance while arriving at the available balance during tracking e The receivable amount will be displayed in customer account e Forall the online transaction screens during SAVE at enrich stage if any charge amount is being tracked or waived or force debited to the account the same information is displayed as an override If you accept the override the transaction will be completed and if the override is rejected the transaction will not proceed e f
14. not preferred The system behaves in the same manner as it is when Tracking required auto liquidation flag is unchecked This will consider the validations for balance check that is preference at transaction code level or account overdraft errors e g AC OVD e Reject If the account does not have sufficient balance then the system rejects entire transaction oe ORACLE Note If Charge Tracking Preference is any of the above other than Not Required the given preference will take precedence over the account overdraft check validation AC OVD For example if account overdraft check validation AC OVD is set up as an override but tracking preference is selected as full track or part debit part track the charge amount will be tracked if available balance is insufficient to cover the charges If tracking preference is selected as Not Required then the system will debit the account for charge even if available balance is insufficient to cover the charges If account overdraft check validation ACOVD is set up as an error but tracking preference is selected as Force Debit then the charge amount will be debited to the customer account by skipping the balance check validation and if available bal ance is insufficient to cover the charges But if the tracking preference is selected as Not Required the transaction fails due to insufficient fund Note The charge tracking preference is not a
15. of Online Charge iseeeeersrrsesrrrenerrrrnnerrrrnnrerrnrreeerernnrrennnnne 4 3 4 3 Maintaining Intra bank Transit account ssssseseeeeseeerrreserrrssttrrsssttrrsssrrenrssrrennne 4 4 4 3 1 Currency Detalls TaD eier asea E ETE OE EE ed tae 4 5 REPOrtS a r ren a see eee 5 1 Delis introductions he ereer aaa eh ciated A ttt acetal chien ai 5 1 5 2 Batch Journal RO pOT a e a a a paa aea ar a aaa Era Aa eaaa ant 5 1 5 2 1 Contents ofthe Report am a a N ss 5 2 53 Cash Position Branch Wist asise stea T EET RA 5 3 5 3 1 Contents of the Report 22 2 cccccccccecceeeeeceeceneeaeececeseeeeeeetetseenseaaneaneeteees 5 3 5 4 Teller Transaction Branch Wise ccccccceeeeeeeeeeeeeeeeeeeeseeeeeeeeeeeeeeeeeeeseenaeeeeeseaees 5 4 5 4 1 Contents of the Report 22 c cccecccccececeeeeeeceeeeneeaecaeeeseeceeesseetecsnaaneaeeseeess 5 4 5 5 Overage and Shortage Report aesssseeesssiesseerrsessrinnnesnnennnsttinanesttnnansttennsadeennneennannee 5 5 5 5 1 Contents of the R DO8 8 2 2 ccccccccceceeeetecsecnnenaeccececteeneestenseessaaneeseeteees 5 6 5 6 Instrument Details Report ccccccccccecceeeeeeeeeeeeneecaeeceeeeeeeeteeeeeeennaesaeeeeeeeeeeeeetenes 5 6 536 1 Contents of the Report srera a a A E i 5 8 5 7 Authentication Report ceccceeecceeceeeeeeeeeeeeeeeeceeeeaeeeeeeeeeeeseeeeeeencaesaeeeeeeeeeeeeeteees 5 8 5 7 1 Contents of the Report 2 cccccccceneececeeccececeecesteeeaaa
16. of issue Date returned Liquidation date Branch name Teller number Makerld Amount in words Time Checker Date TimeStamp Customer name customer address Return reason Reject Reason Cheque number Accounting Entries for Loan Repayment by Cash Following are the accounting entries passed for the manual repayment of loan by cash EVENT Dr Cr ACCOUNTING ROLE AMOUNT TAG INIT Dr OFFSET_ACCOUNT The GL for Cash OFS_AMT INIT Cr DR_SETTL_BRIDGE TXN_AMT ORACLE Accounting Entries for Loan Disbursement by Cash Following are the accounting entries passed for the manual repayment of loan by cash EVENT Dr Cr ACCOUNTING ROLE AMOUNT TAG INIT Dr CR_SETTL_BRIDGE TXN_AMT INIT Cr OFFSET_ACCOUNT The GL for Cash OFS_AMT Accounting Entries for FX Sale through the Account Following are the accounting entries passed for the sale of foreign currency to the CASA account holder EVENT DR CR ACCOUNTING ROLE AMOUNT TAG INIT DR TXN_ACCOUNT CASA TXN_AMT INIT CR OFFSET_ACCOUNT ASSET OFS_AMT Accounting Entries for FX Purchase against the Account The system passes the following accounting entries for FX purchase against account EVENT DR CR ACCOUNTING ROLE AMOUNT TAG INIT DR OFFSET_ACCOUNT ASSET OFS_AMT INIT CR TXN_ACCOUNT CASA TXN_AMT ORACLE
17. on the branch and date the ID of the user who generated the report the date and time at which it was generated the module of the report and product type Body of the Report The following details are displayed as body of the generated report Field Name Field Description Drawer ID This indicates the identification of the drawer whose details are provided in the report Cheque Return Count This indicates the count of cheque returns Account No Indicates Beneficiary Account Number Account Desc Indicates the description of the account Customer Name Indicates Customer Name Cheque Dt Indicates Cheque Date Cheque No Indicates Cheque Number Routing No Indicates Routing Number Purchase Dt Indicates Purchase Date Purchase Srl No Inst CCY Indicates Purchase Serial Number Indicates Instrument Currency Purchase Limit Indicates Limit Linked Amount Inst Amount Indicates Cheque Amount Interest Amount Indicates Interest Amount SC Amount Indicates Service Charge Amount ote ORACLE 5 12 5 12 1 Cheque Issued on Daily Basis Report You can invoke Cheque Issued on Daily Basis Report screen by typing RTRPCHQD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Cheque Issued on Daily Basis Report All Branches Single Branch Branch Code Date Range From
18. provided for the retail teller Chapter 6 module and the association of these products with their appropriate functions in the Retail Branch Annexure B contains samples of the various types of advices and notices gen Chapter 7 erated at each stage for the type of contract that the retail teller module han dles Chapter 8 Retail Teller Glossary gives a list of important terms used in the module Function ID Glossary has alphabetical listing of Function Screen ID s used in Chapter the module with page references for quick navigation Related Documents e The Procedures User Manual 1 1 ORACLE 1 6 Glossary of Icons Icons Function x Exit Add row Delete row ay Option List ORACLE 2 1 2 Retail Teller Module An Overview Introduction Teller transactions entered through an Oracle FLEXCUBE branch are stored in the Oracle FLEXCUBE database in the Retail Teller module The Retail Teller module of Oracle FLEXCUBE provides for the maintenance of appropriate reference information which would enable entry of teller transactions from an Oracle FLEXCUBE branch and also enable you to view and enrich transactions that have been entered through an Oracle FLEXCUBE branch In order to facilitate the entry of teller transactions through the Retail Branch the following reference information needs to be maintained at the host Oracle FLEXCUBE installa
19. the appropriate one Input to this field is mandatory Account Class Group Select the account class group from the adjoining option list Note If ARC is maintained for an account class group then the charges computed is applicable for all the account classes defined under that account class group The ARC resolution logic is as below Accou ri ea WG leet fete eee eee Group 1 Specific Specific Specific Specific Specific Specific 2 Specific Specific Specific Specific Specific 3 Specific Specific Specific ur Specific Specific 4 Specific Specific Specific Specific Specific 5 Specific Specific Specific Specific Specific es 6 Specific Specific P Specific Specific 7 Specific Specific Specific Specific 8 Specific Specific Specific Specific ari 9 Specific Specific Specific ne ari Specific 10 Specific Specific Specific eee Specific pi 11 Specific Specific Ex ex Specific 12 Specific Specific gi Specific ie 13 Specific Specific Specific nee 14 Specific Specific Specific Ta oa a 15 Specific Specific a 16 a Specific Specific Specific Specific Specific 17 a yaa Specific Specific Specific Specific os ORACLE 18 a Specific Specific n Specific Specific 19 mee Specific Specific Specific Specif
20. the customer involved in a transaction For transactions in respect of which internal entries are passed it could also be a general ledger Transaction Amount Limit This is the maximum and minimum limits which represent the allowable range for the amount of a transaction oe ORACLE Transaction Codes These indicate unique identifiers maintained in Oracle FLEXCUBE for different types of cash transfers transactions within the branch A transaction code is also an identifier for each accounting entry that describes the nature i e debit or credit of the entry Transaction Limits These are limits placed on the size of a transaction that a teller is allowed to input Vault This is a safe where the physical cash assets of a bank or branch are kept A bank may maintain one or more vaults oe ORACLE 9 Function ID Glossary D RTRPPCHQ oiin 5 20 DEDONLRV ssesccistsssauineesesvecion 4 3 RTRPSMNG sssssssssrrsrrrsnrsnnennns 5 22 DEDQUERY an 3 13 RTRPSTAL cccceeeeeeeeeeeeeee es 5 23 DEDRTPRM f 4 1 RIRPIRN scscccieseecctsscseescssteeres 5 4 DEDTRACC ees ieiteeci cits 4 5 5 STDTBRAN onii 3 15 IFDATMMN ossis 3 1 STRBRNAU nsssssssssesesssisisnsneenne 5 9 STRCHDEP cscssssesssecsseesseessecs 5 11 R STRCHPRE nsii 5 15 RTRINSDT csccsscecssessseesseesseennes 5 6 STRCHPUR ososi 5 12 RTRPBURN osinn 5 1 STRDRRET o i 5 17 RTRPOCY ososi 5 3 STSTBRAN onii 3 16 RTRPCHQD escsscssseesseeeneen 5 19 RTR
21. the transaction Note If the purchase date and value date are same then the Interest and SC amount are 0 Cheque Purchased Returned Today Report If the instruments which were purchased by the branch to credit the customer accounts are returned by other banks due to valid reasons then the customer accounts are reversed During EOD you can generate Cheque Purchased Returned Today Report which lists all the cheques which were purchased and returned on the specified day for effective follow up by oe ORACLE the branches You can invoke Cheques Purchased Returned Today Report screen by typing STRCHPRE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Cheque Purchased Returned Report Branch Code Transaction Date Report Format PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Returned Date Specify returned date of the cheques for which the report is generated from the adjoining calendar Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF
22. using the buy sell spread over the mid rate Therefore you need to specify the Exchange Rate details for each ARC definition record that you maintain in the system Firstly indicate the Rate Code for which different rates can be maintained A list of all the rate codes maintained in the Floating Rates Maintenance screen is displayed in the list You can choose the appropriate code In addition to specifying the Rate Code you have to indicate the Rate Type which should be picked up for exchange rate conversions involving settlement of charges for cross currency transactions You can maintain any one of the following as the Rate Type e Buy e Mid e Sell After identifying the Rate Code and Rate Type you can indicate the basis amount on which charges are to be computed Amount You have to specify the flat amount only when the charge type is a Flat Amount The flat amount will be collected in the currency that you have specified in the Currency Code field Rate If you have indicated that the charge should be a percentage of the transaction amount you have to necessarily capture the rate that is to be applied on the transaction amount The rate that you specify will be applied after converting the amount into the Account Currency Minimum and Maximum Charge Amount When the charge type applicable on the transaction is a percentage of the transaction amount you have to capture the minimum and maximum charge amounts that should be applie
23. you modify or waive any of the charges after the override is displayed the override should be cancelled and modify the charges After the modification of charges system will re evaluate the NSF preferences based on the available balance and the modified charges On save system displays if any charge amount is being tracked or waived or force debited to the account Whenever an account is credited for which there are tracked receivables the system will do the following e For all the existing internal amount blocks system checks for earmarking the credit of book date blocking order and liquidation order e If there are multiple charges tracked as a part of a single RT transaction like all five ARC charges the order of evaluation will be in increasing order from Charge 1 to charge 5 e During online apportionment of credit and subsequent liquidation the system will not consider account level receivable tracking for NSF tracked charges If there are any NSF tracked charge amount for the account system will go ahead with the online apportionment of credit and subsequent liquidation of the charges during EOD oie ORACLE 3 2 3 2 1 During EOD the does the following to liquidate the tracked receivables e The system evaluates every tracked records with apportioned amount e lf apportioned amount is equal to the tracked amount the system will liquidate the tracked amount completely e f apportioned amount is less than the tra
24. 06 Netting Charge You have the option to net the accounting entries for the debit leg of the charges along with the main transaction entries Check this box to indicate that the debit leg of the charges is to be netted before passing the accounting entries Leave the box unchecked to pass the entries without netting the charges of the debit leg End Point In case of Outward Clearing Clearing House is derived based on the End Point maintained for the ARC combination Description End Point Description Display Only field Bank Float Days In case Bank Float Days is not maintained at the Clearing Bank Branch level it is picked up from here Customer Float Days In case Customer Float Days is not maintained at the Clearing Bank Branch level it is picked up from here Float Days Basis Whether to consider the Calendar Days or Working Days for computing the Value Date based on the Floats maintained oe ORACLE Indicating Exchange Rate Revaluation You can specify the following details Profit Revaluation GL Specify the profit revaluation GL details Loss Revaluation GL Specify the loss revaluation GL details Exchange rate values are maintained at CCDRATES Rate type and Rate code preferred is maintained at product level and Negotiated cost rate is maintained at transaction level The Revaluation amount Transaction amount exchange rate Transaction amount negotiated rate Where Exchange rate is p
25. 7 3 2 Viewing Teller Transactions eee n e TAA E E EEA 3 13 3 2 1 Viewing Transaction Leg Details ccceccccceeeceeetteeeeeeetnneeeeeeetneeeeeneas 3 13 3 2 2 Specifying Offset Leg Details ccccecccececeeseeeeeeeentneeeeeesnneeeeenetnaeeeeeneas 3 14 3 2 3 Viewing Instrument Code S seessisseneerrirnnerrrrnnerrrnnnnnnrnnnnnennnnnennnnanenena 3 14 3 3 Generating Transaction Sequence NUMber esssssesseirssseerrrssrerrrsstrrrrrssrrernsssnt 3 14 3 3 1 Generation of Advices for Retail Teller Transactions cccceeeteeeeees 3 14 3 3 2 Maintaining Branch level Cash Deposit and Cash Holding details 3 15 3 3 3 Viewing Teller Branch Parameter c ccccccceceeeeeeeteeeneeeeseeeseeeeteeenanes 3 16 3 4 Reversing of Online Charge ccceccceeceeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeseeeeeeeeeseneaeeeeseeeaaees 3 16 3 5 Maintaining Intra Bank Transit Account eeseeeseeeeesseerresserrrresrrirrsssrinnsssrrrrnssnt 3 17 3 5 1 Currency Details Tab cccccccecerecceceaeeccencoseecceednesbnsnacnssueuecteteseuedeedneesennees 3 18 Maintaining Retail Teller Products ccsccseeeseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeees 4 1 LTI MORUO aaie aA A eara ey OA N aagdeetetaenathtt 4 1 4 1 1 Specifying Product Preferences esssienessrrsnnerrrnnnenrrnnnnerrnnnnernnnnnerennna 4 2 42 Transaction ReverSal cccccccscccceecesscceeeeeseeceeeesaeeceeeesnaeceeeesaeeeeeeeneneaeeeeenenaees 4 2 4 2 1 Reversing
26. At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client location e Server Select if you need to print at the server location ot ORACLE 5 6 1 5 7 Printer Select printer using which you wish to print the report from the adjoining option list Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Instruments Details Report is as follows Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated the module of the report and product type Body of the Report The following details are displayed as body of the generated report Field Name Field Description Instrument Type Indicates Instrument Type Issuer Short Name Indicates Issuer Short Name Instrument No Indicates Instrument Number Instrument Currency Indicates Instrument Currency Instrument Amount Indicates Instrument Amount Payable Branch Indicates Payable Branch Instrument Status Indicates Instrument Status User ID Indicates User ID Authentication Report There is a variation in the access rights privileges and transaction limits for each of your staff Few transactions have to be r
27. Currency This indicates the currency Product This indicates the product oe ORACLE 5 3 5 3 1 Field Name Field Description Account Number with Customer Name This indicates the account number with customer name Credits This indicates the credited amount for the transac tion Debits This indicates the debited amount for the transaction Commission This indicates the commission charged for the trans action Transaction Date and Time This indicates the transaction date and time Transaction Number This indicates the transaction number Authorizer ID This indicates the authorizer ID Sum of Credits Debits and Commission This indicates the sum of the credits debits and com mission amount of transactions teller wise Cash Position Branch Wise This BIP report lists the cash position for all tellers under each currency You can invoke Cash Position Branch Wise screen by typing RTRPCCY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button The screen is as shown below Cash Position Branch Wise Report Format PDF Report Output Print Printer At Client Printer Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following
28. Full Track or Part Debit Part Track In all other cases the liquidation preference can be maintained as Full or Partial which will not have any impact unless any charges are tracked Liquidation of IC tracked charges are done as per the logic available for other tracked amounts like RT CL tracked amounts You can define the priority of liquidation order product wise at account class AMT block screen for IC charge products also If track receivable is checked at RT product level then the non sufficient treatment or charge tracking preference at ARC maintenance level is ignored by the system If track receivable is not checked at RT product level the non sufficient treatment or charge tracking preference selected at ARC maintenance level for the product is applicable The non sufficient treatment or charge tracking preference at ARC level is applicable to charges and i ORACLE not for the original transaction amount For ARC product the processing is done by RTAUTODLY batch If one charge has been used as a basis to arrive at another charge then the Charge Tracking Preference will be same for both the charges During evaluation of charge tracking preference for a transaction with multiple charges the system calculates all the charges and then considers charges from 1 to 5 The system displays override messages when e Available balance is sufficient to cover the transaction amount but not sufficient
29. HGMN this checkbox has to be unchecked Generate Transaction Advices You can indicate that advices must be generated for retail teller transactions involving the product branch and currency combination The advice types that are available for the Retail Teller module are the debit and credit advices generated for the debit or credit entries that would be passed to customer accounts namely DR ADVICE and CR ADVICE 3 ORACLE For further information on the debit and credit advices please refer the Annexure B Generate MT101 Check this box to generate MT101 Indicating Service Charges for Inter branch Transactions In a transaction if the account branch of the teller transaction is different from the transaction branch then charges maintained by inter branch product will be applied to the transaction If you select the IB transaction as Yes for a RT product at ARC the system picks up and process the charge entries as maintained If you select the IB transaction as NO fora RT product at ARC then the charges maintained in Non IB product are applied to the transaction IB Transaction Check this box if you want the system to pick up the product for inter branch transactions You will notice the difference in the service charges processed for two transactions with same kind of product Note This is supported for Cash Deposit 1401 Cash Withdrawal 1001 and Account to Ac count Transfer 10
30. Instrument Number LCY Indicates Local currency of the Branch Amount Txn LCY Indicates Cheque Amount in LCY Routing No Indicates Routing No Txn CCY Indicates Currency Code of the transaction Amount Txn TCY Indicates Amount in Transaction Currency Reject Reason Indicates Remarks of the Cheque Transaction Drawer wise Returned Cheques Report Cheques are credited and discounted to the customer accounts based on the purchase limit margin and so on Subsequently these cheques realized or dishonored and the corresponding details are entered You can generate Drawer wise Returned Cheques Report which lists details of the cheques returned by the correspondent bank or branch on a specified day The report also provides details about the income earned through interest Details in the report are grouped based on the Drawer You can invoke Drawer wise Returned Cheques Report screen by typing 10 ORACLE STRDRRET in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Drawerwise Returned Cheques Report Branch Code Transaction Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Transaction Date Select the transaction date using th
31. LE in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Cheque Purchased Report Branch Code Transaction Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Transaction Date Specify transaction date for which the report needs to be generated You can select the date using the adjoining calendar button Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client lo
32. ORACLE Retail Teller Guide Oracle FLEXCUBE Universal Banking Release 12 0 2 0 0 Part No E49740 01 September 2013 Retail Teller User Guide September 2013 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2013 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for use in any inherently dangerou
33. PFCYG occi 5 25 1 ORACLE
34. Report ccccccececeeeeeeeesecceeeeeeeeeeeetees 5 25 Be PEO KURO SAren erae a a aaa ara aaraa naaa eas eoa aaea Era 6 1 6 1 Mapping Oracle FLEXCUBE Branch Functions to Retail Teller Products 6 1 Di aE E E A A A E E T 7 1 7 1 Debit and Credit Advices for Retail Teller Module ecceceeceeeeeteeeeteeteees 7 1 7 1 1 Debit Advice Format Retail Teller MOCUIE cccscecceeettttteetetnneeeeetes 7 1 7 1 2 Credit Advice Format Retail Teller Module ccccceceeeeteeetteeeetnenneeeees 7 2 7 1 3 Fixed Deposit Confirmation Advice 1 ccccccccceeeeeeeteeseecaeeeeeeeeeenteetetsnens 7 4 7 1 4 Collection Cheque Credit AQVICC 2 c ccccccceceeeeeeeeeennessenceeesteeeeetteetnens 7 4 7 1 5 Collection Cheque Return AQVICC 22 cscccccccceceeeeeecneesseneeeeeesteenseeteeteees 7 5 7 1 6 Accounting Entries for Loan Repayment by Cash ssseessesseeeennneeeennn 7 6 7 1 7 Accounting Entries for Loan Disbursement by Cash sssssseeseeneneeeennne 7 7 7 1 8 Accounting Entries for FX Sale through the Account ou ceceeceetteeeeees 7 7 7 1 9 Accounting Entries for FX Purchase against the ACCOUNL cseee 7 7 8 Retail Teller Glossary sseeeeceeeeeeeeeeeeeeeeeeeeeeeeeeeeeseeesseecenneeeeeeees 8 1 8 1 List of Important Tens nin ees cee secede sees eae e eee ia aana e aaaea aaaea aa 8 1 92 Function ID Glossary lt cccicccc
35. Type Indicate if the product that you are creating is cash based or non cash based From the drop down list in the Product Type field select Cash from the list to indicate a cash type product or select Others to indicate a non cash type product a ORACLE 4 1 1 4 2 Specifying Product Preferences You can maintain preferences for teller products from the Product Definition Main screen Click Preferences button to invoke the Retail Teller Product Preferences screen Preferences Product Code Product Description Transaction Limit 10000 Block Expiry Days RD payments allowed Cash GL Posting Allowed Track Receivable Reversal Includes Charges Partial Reversal Allowed Switch Product Retail Lending Product PC Transaction Redemption Allowed Track Receivable During liquidation of teller transactions if the system detects insufficient funds in the account then you can choose to block the subsequent credit that happens to the settlement account In other words the system will track the account for receivables As and when a credit happens the funds will be allocated to the teller entry depending on the product sequence that you specify at the account class level Note Refer to the Core Entity User Manual for details on maintaining funds allocation sequence When you post a teller transaction to an account and there are insufficient funds in the account then the system will save th
36. ained in the system You can choose the appropriate one Vault The system defaults the vault from which cash will be transferred This is done on the basis of selected branch Transaction Code Specify the transaction code The adjoining option list provides all the valid codes maintained in the system You can choose the appropriate one Currency Details Tab You can specify the following details here Receiving Branch Specify the destination branch to which the cash will be transferred Receiving Vault The system defaults the vault in the destination branch which will receive the cash This is done on the basis of selected branch Currency The system displays the currency of the cash Transit GL The system displays the transit account that is used to track the movement of cash E ORACLE 5 1 5 2 5 Reports Introduction The report programs available under the Retail Teller RT module are explained in this chapter All activities that are performed by the RT module are recorded The inputs you have made at different stages are pieced together and can be extracted in the form of meaningful reports as and when you may require them Every day teller doing the financial transactions print hard copy of the reports The reports that can be generated for the RT Module are as follows e Batch Journal Report e Cash Position Branch Wise e Teller Transaction Branch Wise e Overage and Shortage Report e Instrum
37. ates unique identifiers maintained in Oracle FLEXCUBE for banks that are participants in a clearing house Currency Denominations This indicates discrete lots in which paper currency is available Each lot may contain one or more units of currency Customer Category This indicates a group of customers with logically similar features or attributes Default Charge Collection Account The account to which the charges for the transaction will be charged This account can be defined at the product level as Transaction account or Offset account Denomination Tracking This indicates tracking currency denominations for teller type transactions at a branch Exchange Rate Type This indicates the type of exchange rate that you can specify for a product oy ORACLE Exchange Rate Variance This indicates the difference between the default value and the changed value of an exchange rate employed for currency conversion Limits can be set for the variance Maximum Variance This indicates the limit beyond which an exchange rate cannot be changed over and above the default value and an override is not possible MIS Code This indicates a unique grouping of MIS Management Information System details such as Transaction MIS Composite MIS Cost MIS and so on maintained for management reporting purposes Normal Variance This indicates the limit within which exchange rates are allowed to be changed over and above the default value wi
38. ault the current application date is displayed here os ORACLE 5 5 1 5 6 To Date Specify the Overage shortage transactions To Date here in the format YYYY MM DD Alternatively you can also select the date from the adjoining calendar button By default the current application date is displayed here Branch Code Select the branch code from the adjoining option list The list displays all valid branch codes The list will not include any closed branches Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Bank Branch Run date User ID and the period for which the report is generated Body of the report The generated report will have the following information Field Name Description Posting Date Overage Shortage for that date User ID User who has done the overage shortage transaction Currency Currency of the transaction Overage Overage amount for the currency Shortage Shortage amount for the currency Instrument Details Report When branches issue various instruments they are subsequently paid and reconciled You can generate Instruments Details Report for a given day to list details of instruments based on the instrument status The instrument details are grouped based on instrument and currency type You
39. c cceccccivetcdecdeccetecactusaiveeteraceciasaavcavsatecczececeenes 9 1 1 1 1 2 1 3 1 4 1 5 1 Preface Introduction This manual explains the features of the Retail Teller module of Oracle FLEXCUBE which enables you to enter and process retail teller transactions entered through an Oracle FLEXCUBE retail branch Audience This manual is intended for the Customer Service Representatives CSRs and staff in charge of setting up new products in your bank Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Awww oracle com pls topic lookup ctx acc amp id docacc Organization This manual is organized as follows About this Manual gives information on the intended audience It also lists the Grapier1 various chapters covered in this User Manual The Retail Teller Module an Overview gives you an overview of the retail Chapter 2 teller module Chapter 3 Maintaining Accounting Details explains how to set up accounting details for p retail teller products in Oracle FLEXCUBE Maintaining Retail Teller Products describes the procedure to create retail Chapter 4 T teller products for the specific services your bank offers Chapter 5 Reports provides a list of reports that can be generated in this module and also explains their contents Annexure A lists the inbuilt retail teller products
40. cates the Identification of the User Module Indicates the Module of the Report Report Run Date Indicates Current System Date Report Run Time Indicates Current System Time ae ORACLE Body of the Report The following details are displayed as body of the generated report Field Name Field Description Opening Balance Indicates the opening balance Cheque Number Used Indicates the number of the cheque used Cancelled Cheque Number Indicates number of the cancelled cheque Date of Booking Indicates the date of booking Amount Indicates the amount Closing Balance Indicates the closing balance Status Indicates the status Maker ID Indicates the identification of the maker of the record Checker ID Indicates the identification of the checker who authorized the record 5 15 Demand Draft Purchase Order Stale Report You can invoke State Cheque Report screen by typing RTRPSTAL in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Stale Cheque Report All Branches Single Branch Branch Code Report Date Date Report Format PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code You can generate this report for all the branches or a single branch alone You can indicate the branch for which the report is being generated using the following options e
41. cation e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list e ORACLE 5 9 1 5 10 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Cheques Purchased Report is as follows Header The following details are displayed in the header section Field Name Field Description Bank Indicates Bank code and Bank Name Branch Indicates Branch Code and Branch Name Run Date Indicates Date on which report is generated User ID Indicates User ID For Period Indicates Period for which report is generated Body of the Report The following details are displayed as body of the generated report Field Name Field Description Product Code Indicates PDC Product Currency Code Indicates Currency of the Cheque Account Number Account Title Indicates Beneficiary Account Indicates Beneficiary Account Description Cheque number Indicates cheque number Txn reference no Indicates Transaction Reference Number Amount Purchased Indicates Amount Purchased discount Interest Amount Indicates Sum of Interest Amount SC Amount Indicates Sum of Charge Amount Maker ID Indicates Maker ID of the Transaction Checker ID Indicates Checked ID of
42. cked amount and liquidation preference is FULL the liquidation will not happen and system will wait for the apportioned amount to become equal to the tracked amount If apportioned amount is less than the tracked amount and liquidation preference is Partial system will liquidate partially and the tracked amount will be reduced Viewing Teller Transactions You can view retail teller transactions in the Retail Teller Transaction Query screen Invoke this screen from the application browser You can invoke this screen by typing DEDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Retail Teller Transaction Query ey Enter Query WEIJ Charge Contract Reference Description Number Transaction Tanked Route Code Product Branch Code Related Customer External Reference Number Fields Transaction Leg Currency Account Amount Branch Transaction Code Instrument Code Debit Local Currency Amount Liquidation Date Credit GL Local Currency Exchange Value Date Rate Repair Reason MIS Fields Settlement Accounting Entries Maker Id Date Time Checker Id Date Time Contract Status Authorization Status In this screen you can view the following details for each teller transaction e Product e Related Customer e User Reference Number e Reference Number e Tanked Transaction For more information on Tanked Transacti
43. d Indicates the user ID of the user who authorized the transaction Checker Date Stamp Indicates the date on which the transaction was authorized eae ORACLE 6 1 6 Annexure A Mapping Oracle FLEXCUBE Branch Functions to Retail Teller Products Oracle FLEXCUBE provides inbuilt retail teller products in the Retail Teller module for retail teller transactions entered through a Oracle FLEXCUBE branch These products are factory shipped and no new products other than these need be maintained for such retail teller transactions You can however make changes to these inbuilt products to suit your requirements and specify any exchange rate parameters and any MIS details An exhaustive list of these products and their associations with the corresponding functions in the Oracle FLEXCUBE branch are given below Branch Transaction Function Description Retail Teller Module Fast Path Product Code 1001 Cash Withdrawal CHWL 1009 TC Sale Against A C TCSN 1013 Check Withdrawal CQWL 1060 Miscellaneous GL Debit MGLD 1401 Cash Deposit CHDP 1409 TC Purchase Against A C TCPN 1460 Miscellaneous GL Credit MGLC 8205 TC Sale Against GL TCSG 9009 Buy Cash From Central Bank BCCB 9010 Sell Cash To Central Bank SCCB 9011 Buy TCs From AGENT BTAG 9015 Buy TCs from HO BTHO 9016 Sell TCs from HO STHO 1005 Miscellaneous GL Transfer MSGL 1006 Funds Tran
44. d on the transaction id ORACLE If the charge percentage involving a particular transaction is less than the minimum charge the system will by default debit the customer account with the minimum charge amount Similarly when the charge percentage exceeds the maximum amount the system will debit the customer account with the maximum charge amount Note The charge amount will be deducted in the currency that you specified earlier MIS Head Specify the MIS Head that is applicable for the charge related accounting entry Description You can indicate a short description for the charge Charge Tracking Preference Select charge tracking preference from the adjoining drop down list The options available are e Part Debit Part Waive If your account does not have an amount sufficient to collect the full charge then the system collects the available amount and waives off the remaining amount There will not be any tracking for the waived amount For example If the charge amount is Rs100 and there is Rs70 in the customer account then Rs70 will be collected as the charge and the remaining Rs30 would be waived off e Part Debit Part Track If your account does not have an amount sufficient to collect the full charge then the system collects the available amount and tracks the remaining amount For example If the charge amount is Rs100 and there is Rs70 in the customer account then Rs70 will be collected as the charge and the
45. d tags For BC DD Field Tags Description Account number CCY Cheque amount Charges Amount credited Net of charges Paying bank Date sent Date of issue Date realized Liquidation date Cheque number ORACLE 7 1 5 Field Tags Description amount in words Branch name Customer name For Cheques Field Tags Description Account number CCY Cheque amount Charges Amount credited Net of charges Paying bank Date sent Instrument date Date realized Clearing date Cheque number amount in words Branch name Customer name Collection Cheque Return Advice System would support the below mentioned advice field tags For BC DD Field Tags Description Account number CCY Cheque Amount Return Charges Returning bank Date sent Date of issue Date returned Liquidation date Branch name Teller number Makerld 7 5 ORACLE 7 1 6 Field Tags Description Amount in words Time Checker Date TimeStamp Customer name customer address Return reason Reject Reason Cheque number For Cheque Field Tags Description Account number CCY Cheque Amount Return Charges Returning bank Date sent Date
46. dicates Transaction Description CCY Indicates Transaction Currency Transaction Amount Indicates Transaction Amount Date Indicates Authorization Date Time Indicates the time Authorization comments Indicates Authorization comments Cheques Deposited Today Report During a day Bank receives various clearing cheques from customers which have to be credited in to the respective accounts To clear the settlement few details have to be furnished You can generate Cheques Deposited Today Report which lists cheques deposited to the accounts on the current day and their complete details ORACLE You can invoke Cheques Deposited Today Report screen by typing STRCHDEFP in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Cheque Deposited Today Report Branch Code Date End Point Report Format PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Date Specify the date for which you wish to generate the report from the adjoining calendar End Point Specify cheque number which you wish to maintain as an end point to generate the report from the adjoining option list Clearing Branch Specify code of the branch clearing the cheques for
47. e adjoining calendar button In the report the system will include the transactions for the selected date Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client location e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list pa ORACLE 5 11 1 Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Drawer wise Returned Cheques Report is as follows Header The Header carries the Branch of the report information
48. e contract but the contract remains uninitiated Accounting entries will not be posted for this contract During EOD processing of these contracts when the full balance becomes available in the account the system will post the necessary accounting entries and mark the contract as liquidated Your specification for this field will default to all contracts involving the product However you are allowed to modify it at the contract level also Retail Lending Product Check this option to allow a retail lending loan account in the transaction Only products marked as Retail Lending Product will allow a retail lending loan account in the transaction PC Transaction Check this box to generate the PC transaction for the branch transaction under this RT product Transaction Reversal In special circumstances you may want to remove a transaction from the system In Oracle FLEXCUBE you have the option of either deleting the transaction or reversing it 2 ORACLE 4 2 1 When is reversal possible Every transaction that is entered in the system must be ratified or in other words authorized by another user with the requisite rights An authorized transaction can only be reversed It cannot be deleted In case you want to reverse a cash transaction which was entered the previous day the following validation is performed e the system ensures that the till used for the reversal is the same as that used in the o
49. e field at the top right corner of the Application tool bar and clicking on the adjoining arrow button In this screen you can enter basic information relating to a retail teller product such as the Product Code the Description etc Retail Teller Product Details E New amp Enter Query Product Code Exchange Rate Variance Product Description Override Limit ReportModule RT Stop Limit Retail Teller Rate Code Product Type Description Slogan Product Group Product Group Description Start Date End Date Remarks Rate Type Preferred Preferences MIS UDF Branch Currency Restriction Maker Date Time Checker Date Time Mod No Record Status Authorization Status For any product you create in Oracle FLEXCUBE you can define generic attributes by clicking on the appropriate icon in the horizontal array of icons in this screen For a retail teller product in addition to these generic attributes you can specifically define other attributes These attributes are discussed in this chapter You can define the attributes specific to a retail teller product in the RT Product Definition Main screen and the Retail Teller Product Preferences screen In these screens you can specify the product type and set the product preferences respectively For further information on the generic attributes that you can define for a product please refer the Products Oracle FLEXCUBE User Manual Specifying the Product
50. eceiving Vault Currency Transit Account Maker Date Time Checker Date Time Mod No Record Status Authorization Status Here you can specify the following fields Branch Code Specify the branch code The adjoining option list provides all the branch codes maintained in the system You can choose the appropriate one Vault The system defaults the vault from which cash will be transferred This is done on the basis of selected branch Transaction Code Specify the transaction code The adjoining option list provides all the valid codes maintained in the system You can choose the appropriate one 3 5 1 Currency Details Tab You can specify the following details here Receiving Branch Specify the destination branch to which the cash will be transferred Receiving Vault The system defaults the vault in the destination branch which will receive the cash This is done on the basis of selected branch Currency The system displays the currency of the cash Transit GL The system displays the transit account that is used to track the movement of cash eae ORACLE 4 1 4 Maintaining Retail Teller Products Introduction To process different teller transactions you must maintain appropriate products You can maintain products using the RT Product Definition screen which you can invoke from the Application Browser You can invoke this screen by typing DEDRTPRM in th
51. ent Details Report e Authentication Report e Cheques Deposited Today Report e Cheque Purchased Report e Cheque Purchased Returned Today Report e Drawer wise Returned Cheques Report Batch Journal Report In this BIP report you can verify the transactions done by tellers and also for tallying purpose This report lists the transactions done by a user in a day and sums up the debits and credits for the user and for reconciliation with the vouchers and cheques for onward submission This report is generated for the current branch You can invoke Batch Journal Report screen by typing RTRPBJRN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Batch Journal Report Product Type Cash Others Both ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here a ORACLE 5 2 1 Product Type Select product type for which you wish to generate the report from the options The following values are available for selection e Cash Select to generate report if the product type is cash e Others Select to generate report for the product types other than cash e Both Select to generate report for all product types Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate repo
52. es will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents Preface iine iaaa aaraa a Paa aae E Eara anaieri Eoaea amaa Eie 1 1 Ti UMTMOMUGHON pa cectades ohicetbecdtedeeda beneeedictg a EE E baa EE AEN 1 1 12 Auden oa E A T E E AAE E ES 1 1 1 3 Documentation Accessibility seaeessssseeesesnieesinndetsnnnnantennnnsnnnnaddinannnaanananeniannnnana 1 1 1A Organizatora aT aaa a raa AEE e A AO AE RE EA 1 1 1 5 Related DOCUMONIS or meroon na A A 1 1 1o Glossary or ICONS ioaea ae cee Sieh el hb ana 1 2 Retail Teller Module An Overview sssssssssnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnne 2 1 2 1 Introduction iccc2c cei aaa ieee nannies neces sdb O A E a A 2 1 Maintaining Accounting Details ccccceeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeees 3 1 Sete AMtrOGUCUION 2 ss r ett ts eta aah ea ae etek Gaeta ed A 3 1 3 1 1 Identifying Offset ACCOUNG seerne arni TEE RA A ES 3 4 3 1 2 Identifying Transaction Account seeesesseeeeeeseeernnnseeernnnneernnnneerrnnreeenent 3 4 3 1 3 Identifying Offset and Debit Transaction COd S ccccccssceeeeeeetteeeeeeeenes 3 5 3 1 4 Indicating Service Charges for Inter branch Transactions 000001100 3 6 3 1 5 Indicating Exchange Rate Revaluation ccccccccecctieeeeeeettteeeeeetnnneeeeeeees 3 7 3 1 6 Defining Charge Detalls ieoor rras nE aT EA Ee EE n EEA N E 3
53. evalidated and authorized by the supervisor before committing to the record Also few transactions have to be authorized by a supervisor due to legal regulatory repercussions You can generate Authentication Report which lists the authorizations provided on transaction a ORACLE You can invoke Authentication Report screen by typing STRBRNAU in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button STRBRNAU__CVS_MAIN Authentication Report Branch Code Posting Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code Specify a valid code of the Branch in which report is being generated from the adjoining option list Posting Date Specify a valid Posting date of the transaction for which you wish to generate authentication details report from the adjoining calendar Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values
54. hat are available for the Retail Teller module are the debit and credit advices generated for the debit or credit entries that would be passed to customer accounts namely DR ADVICE and CR ADVICE The formats for these advices are given below Debit Advice Format Retail Teller Module RH DEBIT ADVICE DATE _BRN DATE_ PAGE PG_ SC _CUSTOMER NAME_ _CUSTADDR1_ _CUSTADDR2_ _CUSTADDR3__ _CUSTADDR4__ EC EH PH PAGE PG_ EH B CUSTOMER ID _CUSTOMER__ ACCOUNT No _ACCOUNT_ OUR REFERENCE NO _CONTRACTREFNO_ USER REFERENCE NO USERREFNO_ WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF ON _TRNDT_ oad ORACLE _VALDT_ _CCY_ _AMOUNT_ DETAILS OF CHARGES FOR THE ABOVE TXN ARE CHARGE AMOUNT 1 _CHGAMT1_ CHGCCY1_ CHARGE AMOUNT 2 _CHGAMT2_ CHGCCY2_ CHARGE AMOUNT 3 _CHGAMT3_ CHGCCY3_ CHARGE AMOUNT 4 _CHGAMT4_ CHGCCY4 __ CHARGE AMOUNT 5 _CHGAMT5_ CHGCCY5_ THE ACCOUNT BALANCE AFTER THE TXN IS _ACCBAL _ EB RF AUTHORIZED SIGNATORY EF Credit Advice Format Retail Teller Module RH CREDIT ADVICE DATE _BRN DATE_ PAGE PG_ SC _CUSTOMER NAME_ _CUSTADDR1_ _CUSTADDR2_ _CUSTADDR3__ _CUSTADDR4__ EC EH PH PAGE PG_ EH B ORACLE _DEPSLIPNO_ _UNITID_ CUSTOMERID _CUSTOMER_ ACCOUNT _ACCOUNT_ OUR REFERENCE NO _CONTRACTREFNO_ USER REFERENCENO _USERREFNO_ WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF VALDT CCY__AMOUNT_ EB
55. heads ORACLE 5 4 5 4 1 Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated and the module of the report Body of the report The generated report will be ordered by the Currency Teller ID Field Name Description Currency This indicates the currency Till ID This indicates the till Id Teller ID This indicates the teller Id Denomination Code This indicates the denomination code Till position for Teller Currency This indicates the till position for teller currency wise wise Sum of the Till Position for the This indicates the sum of the till position for the currency Currency Teller Transaction Branch Wise This BIP report lists the transactions entered by tellers as on a specific transaction date You can invoke Teller Transaction Branch Wise screen by typing RTRPTRN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Teller Transaction Branch Wise Transaction Date Report Format PDF Printer At Client Report Output Print Printer Specify the transaction date Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads
56. his means that the charges would be recovered from this account To indicate this select the Transaction Account option in the Charge From Account field on this screen Typically for a Cash Deposit type of a transaction in which the customer account will be specified when the transaction is entered the same account would also be used to debit the charges Note If the transaction account you have specified uses an account class that is restricted for debit or credit transactions for the product an override is sought when you attempt to save the contract Identifying Offset and Debit Transaction Codes In addition you have to also identify the transaction codes against which offset and debit related entries for the transaction ought to be tracked For instrument based products such as check deposit check withdrawal products you must ensure that you specify a transaction code for which check numbers are mandatory Charge Debit Account You can choose the charge debit account from the adjoining drop down list The available options are e Offset Account e Transaction Account Main Offset Accounting Entries Required Check this box to pass the Main accounting entries along with charges defined at ARC fora Product else only the charges accounting entries defined for the product alone will get passed which is used for Online charge collection Note When RT products are used for On line charge definition STDC
57. ic 20 ee Specific Specific Specific Specific d 21 oe a Specific ae Specific Specific 22 r gi Specific Specific Specific 23 ea ata Specific Specific Specific wea 24 ia Specific Specific au ifi Specific 25 i Specific Specific is Specific a 26 re Specific a Specific 27 Ca te Specific pi Specific pa 28 a ee Specific Specific pa 29 aa Specific Specific gi a rd 30 ae gi Specific ae ed a Identifying Offset Account You can specify the offset account or GL into which offset entries are to be booked as a result of the teller transaction involving the product branch and currency You can also indicate the branch in which the offset account resides You can also choose the ALL option which the system interprets as the branch in which the transaction is being input Indicating the offset account as the debit account You could indicate that the offset account is to be the debit account for the transaction in teller transactions involving the product branch and currency combination To indicate this select the Offset Account option in the Debit Account field on this screen Indicating the offset account as the default charge account You could indicate that the offset account is to be the default charge account for the transaction in teller transactions involving the product branch and currency combination This means that the charges would be recovered from this account To indicate this select the
58. icked for the rate type and rate code maintained at Product level The system will display an override message if the negotiated rate is not within the exchange rate variance maintained at the product Defining Charge Details You can define a maximum of five charges A charge can be computed based either on the transaction amount or on an earlier charge amount As part of defining the Charge details for each charge you need to capture the following details in the corresponding charge tabs Charge Type The Charge Type that should be applied on the transaction It could either be a Percentage of the transaction amount or a Flat Charge Slab type Select whether the Charge computation has to be over different Amount Slabs or Tiers 0 100 10 101 500 15 etc Basis You can indicate the basis amount on which the charge is to be computed Since you can maintain five different charge amounts the basis amount that you enter could either be the Transaction Amount or any of the earlier charge amounts For example let us assume you are maintaining Charge 1 The only basis for charge 1 can be the transaction amount While defining Charge 2 you can choose either the transaction amount or Charge 1 as the basis Similarly while defining Charge 3 you can choose the transaction amount or Charge 1 or Charge 2 as the basis NUM ACC OPN DAYS is used as basis to define the Account closure Charge product When this basis is used Slab type sh
59. ld Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current Branch code and Branch Name User ID Indicates the Identification of the User Module Indicates the Module of the Report Report Run Date Indicates Current System Date Report Run Time Indicates Current System Time oa ORACLE Field Name Field Description Page No The page number of the report Body of the Report The following details are displayed as body of the generated report Field Name Field Description Transaction Code Indicates the transaction code Transaction Reference Indicates the reference number of the transaction Dr Account Number Indicates the debit account number Dr Account Title Indicates the title of the debit account Cr Account Number Indicates the credit account number Cr Account Title Indicates the title of the credit account Amount of the Cheque Indicates the amount of the cheque Beneficiary Bank Indicates the beneficiary bank code Booking Date Indicates the booking date of the transaction Value Date Indicates the value date of the transaction Rate Applied Indicates the rate applied Branch Indicates the branch code Maker Id Indicates the user ID of the user who created the transaction Maker Date Stamp Indicates the date on which the transaction was created Checker I
60. naeeeeeeeseeseteteesneaaaees 5 10 5 8 Cheques Deposited Today Report cccceceeseeeecneecaeceeeeeeeeeseteeeeetsncaeeeeeeeeeenees 5 10 5 8 1 Contents of the Report cccccceceeeneecceeeeeeeeeceteeeneaaaeaeeeeseeseeeeeeteeenenaees 5 12 5 9 Cheque Purchased Repott c cccccccceeceeeceececeeeeceeeeeeeeeeeesegececneaesaeeeeeeeeeeeeeeieee 5 12 5 9 1 Contents of the Report ccccccscesececeeececeeeeceseceneaaacaeceeeeeeeeseteseeenenanees 5 14 5 10 Cheque Purchased Returned Today Report 0 cccceceeeeeeeeeeeeeneeeeeeeeeeeeeeeeeteees 5 14 5 10 1 Contents Of the Report 0 ccccccccceeeeeseneeceeeeeeeeeeeeteteceneeninaeeeeeeeeeeeeteteens 5 16 5 11 Drawer wise Returned Cheques Repott 2 ceccecceceeeeeeeeeeeesensaenaeeeeeeeeeeeees 5 16 5 11 1 Contents Of the Report 0 ccccccceceeeeneeneeceeceeeeeeeeeteteecneeninaeeeeeeeeeeteteteens 5 18 5 12 Cheque Issued on Daily Basis Report cecceceeeeecnecceceeeeeeeeeeeesecenenaesaeeeeeeenes 5 19 5 12 1 Contents Of the Repo rere a e a aaa a or a 5 19 5 13 Paid Out Cheque Report ccccccccceeceeeceeeeceneeceeeeeeeeeeeeeeseseeecsaaeseeeeeeeeeeeeteeneees 5 20 5 14 Stationary Management Report ssseseesesssressserrrrssttrrttsttrrrnstttrrsstttnnnssttnrnnseen nnne 5 22 5 15 Demand Draft Purchase Order Stale REport cccccecceeeeeeeeeseeeeentenaneeeeeeeees 5 23 5 16 Processed FCY Collection Transaction
61. nsactions involving the product In the Account Rates and Charges ARC screen you can maintain accounting information that will be used to e Identify the transaction account and offset account to which accounting entries arising from a retail teller transaction using the product will be posted e Identify whether the offset account or the transaction account must be considered to be the debit account in a retail teller transaction using the product e Identify whether any applicable charges in a retail teller transaction using the product must be paid out from the offset account or the transaction account e Compute the applicable charges that would be levied e Identify the transaction codes to be used for the accounting entries In the ARC Maintenance screen you maintain accounting and charges information that would be applicable for processing retail teller transactions involving a specific branch retail teller product and specific currency combination You can invoke the ARC Maintenance screen from the application browser You can invoke this screen by typing IFDATMMN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button I ORACLE In the ARC Maintenance screen you maintain accounting and charges information known as ARC details that would be applicable when processing retail teller transactions involving a specific branch retail teller product and specific currenc
62. o generated the report the date and time at which it was generated the module of the report and product type Body of the Report The following details are displayed as body of the generated report Field Name Field Description Payee Brn Indicates Payee Branch Clearing Branch Indicates the clearing Branch Clearing branch name Indicates the name of the clearing branch Payee Account Indicates Payee Account number Customer short name Indicates Customer short name Customer value date Cheque amount Indicates Value Date Indicates Cheque amount Cheque number Indicates the cheque number Transaction currency Indicates transaction Currency Routing number Indicates Routing number Note If the cheques deposited are from a different bank then the customer and remitter names are displayed in the report Cheque Purchased Report A teller purchases both the local and outstation cheques deposited by the customers to credit on the day of deposition of cheques into the accounts The balance available in the customer s CASA account is updated for successful transaction During EOD you can generate Cheque Purchased Report with Teller and Authorizer ID details for reconciliation The details of the report are grouped based on the product and currency type You can invoke Cheques Purchased Report screen by typing STRCHPUR ale ORAC
63. o specified in the ARC Maintenance record for the product currency and branch combination involving the transaction For an ODC transaction payment and cover messages are generated based on the route code specified The formats for the same are given in the Annexure B roe ORACLE 3 3 2 Maintaining Branch level Cash Deposit and Cash Holding details You can maintain branch level cash deposit and cash holding details of Retail Teller You can invoke this screen by typing STDTBRAN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Teller Branch Parameter E New E3 Enter Query Branch Code Branch Description Currency Maximum Cash Deposit Maximum Cash Holding Minimum Cash Holding Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the following in this screen Branch Code Select the branch code from the available option list Branch Description System displays the branch description based on selected branch Currency Select the currency code from the available option list Maximum Cash Deposit Specify the maximum deposited cash amount Note The maximum cash deposit amount should not be greater than maximum cash holding amount The maximum cash deposit amount should not be greater than product level limit amount Minimum Cash Holding Specify the minimum cash holding amount
64. on refer Branch Parameters chapter under Core Services module Viewing Transaction Leg Details Here you can view the following details e Transaction Currency e Transaction Branch tl ORACLE 3 2 2 3 2 3 3 3 3 3 1 e Transaction Account e Transaction Amount e Transaction Code Specifying Offset Leg Details e Offset Currency e Offset Account Branch e Offset Account e Offset Amount e Transaction Code Viewing Instrument Codes You can view the following details here e Value Date e Exchange Rate e Local Currency Exchange Rate e Local Currency Amount e Narrative e Track Receivable Generating Transaction Sequence Number The system generates a unique transaction sequence number and displays an Information Message as Transaction Sequence number is XX indicating the generated transaction number after completion of each teller transaction INPUT stage The generated transaction sequence number is also displayed at the following levels of Work Flow e Completed e Reversed e Pending e Assigned e Query option in Search Task Note This sequence number would be reset on every date change during Mark BOD The sequence number after date change always starts from 1 The number is reset to 1 during Mark BOD for every date change Generation of Advices for Retail Teller Transactions As mentioned earlier the system generates debit credit advices if s
65. ou need to specify the branch code for which the report should be generated The option list displays all valid branch codes maintained in the system Choose the appropriate one Report Date Specify date of the report from the adjoining calendar Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The following details are displayed in the header section Field Name Field Description Report Name Indicates Report Name Branch Code Branch Name Indicates Current Branch code and Branch Name User ID Indicates the Identification of the User Module Indicates the Module of the Report Report Run Date Indicates Current System Date Report Run Time Indicates Current System Time Body of the Report The following details are displayed as body of the generated report Field Name Field Description Transaction Reference Indicates the transaction reference number Dr Account Number Indicates the debit account number Dr Account Title Indicates the debit account title Amount Indicates the amount Currency Indicates the currency of the transaction Cheque Serial Number Indicates the serial number of the cheque used Date of the Cheque Indicates the date in the cheque Value Date Indicates the value date Beneficiary Title Indicates the beneficiary title
66. ould be maintained as SLAB and Rate Type as FLAT RATE As system will check the slab for charges to be collected based on the Number of days account kept open by the customer Currency You can indicate the currency in which the charge amount would be expressed If the transaction currency is different from the charge currency a conversion would be done using the rate code and rate type that you specify for each charge ot ORACLE Charge Debit Account Select the charge debit account into which charge related entries are to be posted from the adjoining option list Note If charge debit account is maintained at both ARC and charge level with different values the system will take precedence of the charge debit account at the charge level to debit the charges The charge debit account can either be TXN_ACC or OFS_ACC or GL s Income or Expense If netting charge is checked at ARC level charge debit account should be main tained at ARC level This charge debit account and charge credit account is used when bank has to remit tax on income they receive as part of each and every RT transactions Charge Credit Account Select the charge credit account from the adjoining option list The other leg of the charge is posted to a GL as specified in the ARC record For example To collect tax from the income received will be as follows For cash deposit transactions bank wants to collect a charge of 5 on the tran
67. ponent Charge component to be reversed ta ORACLE On clicking the Query button system identifies all records satisfying the above specified criteria and displays in the Transaction Details section Transaction Details System displays following details under Transaction Details section e Entry Serial Number e Module e Transaction Code e Event Code e Amount Tag e Transaction Date e Value Date e Debit Credit e Foreign Currency Amount e Exchange Rate e Local Currency Amount e Related Reference e Related Account Note You can reverse only non cash based transactions 4 3 Maintaining Intra bank Transit account You can maintain intrabank transit account for each branch for receiver branch vault and currency combination in the Transit Account Maintenance screen ORACLE 4 3 1 You can invoke this screen by typing DEDTRACC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Inter Branch Transit Account Maintenance E New E3 Enter Query Branch Code Vault Id Transaction Code 1 Of 1 Receiving Branch Receiving Vault Currency Transit Account Maker Date Time Checker Date Time Mod No Record Status Authorization Status Here you can specify the following fields Branch Code Specify the branch code The adjoining option list provides all the branch codes maint
68. pplicable if the charge debit account is a GL The charge tracking preference is not applicable for Account close out products or NUM ACC OPN DAYS if selected as basis Liquidation Preference for Tracked Charges nr l e Select liquidation preference for tracked charges from the adjoining drop down list The options available are Partial If Partial is selected the system liquidates the tracked charge amounts partially during EO only if part amount is available in the account For example If Rs 30 is tracked for an account and during next day EOD system finds Rs10 is available in the account system will try to collect the available Rs10 e Full If this is selected then the system tries to liquidate the individual tracked charge amount fully during EOD If only part amount is available in the account system will not try to collect the part amount For example If Rs30 is tracked for a charge in an account and during next day EOD system finds Rs10 is available in the account system will not try to collect the available Rs10 But system will wait till the time balance available in the account becomes Rs30 Note The system does not validate the Charge Tracking Preference selected and Liquidation Preference for Tracked Charges selected for a given charge This has to be operationally controlled The Liquidation Preference for Tracked Charges is applicable only if the Charge tracking preference is selected as
69. remaining Rs30 would be tracked for collection e Full Waive If your account does not have sufficient balance then the system waives off the full charge amount For e xample If the charge amount is Rs100 and there is Rs70 in the account the entire Rs100 charge will be waived off e Full Track If your account does not have sufficient balance to cover the charge then the system tracks the entire amount as receivable For example If the charge is Rs100 and the amount in the account is Rs70 charge will not be collected instead Rs100 will be tracked as receivable and this would be tracked till closure e Force Debit The system debits the charge amount forcefully from your account If the amount available in the account is not sufficient then force debit results in negative balance For example If the charge is Rs100 and the customer account has Rs70 then the system forcibly debits the customer account of Rs100 resulting in the customer account balance of Rs30 The amount is not tracked in this case This option if selected ignores all other validations for balance check and will debit the customer account for the charge amount The same balance check validations are skipped here too which are currently skipped by the system if balance check required flag is unchecked at transaction code level However other validations such as No debit account freeze will not be skipped e Not Required Select Not Required if charge for tracking is
70. riginal transaction Reversing a transaction In the Teller Entry form navigate to the transaction that you want to reverse Click reverse icon in the Toolbar or choose Reverse from the Actions menu The system will seek a confirmation of the reversal On confirmation the system will reverse the accounting entries that were passed for the transaction If cash transactions are reversed the system performs the following validations e the system ensures that the till used for the reversal is the same as that used in the original transaction e the denominations are input If the transaction is reversed the same day that it is input the denominations of the transaction can be altered e abatch is open Reversing of Online Charge You can reverse the cash transactions using Transaction Reversal screen You can invoke this screen by typing DEDONLRV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Transaction Reversal E New E3 Enter Query Query Criteria Contract Reference Component Event Sequence Number Transaction Details 10f1 E Entry Serial Number Module Transaction Code Event Code Amount Tag Query Criteria You can base your query by providing any or all of the following details e Contract Reference Transaction reference number for the contract e Event Sequence Number Event sequence number of the transaction e Com
71. rt in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values e Client Select if you need to print at the client location e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated the module of the report and product type Body of the report The generated report will be ordered by the Teller ID Field Name Field Description Teller ID This indicates the teller ID
72. s applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Oracle Corporation and its affiliat
73. saction Indicates the date of transaction Beneficiary Title Indicates the beneficiary title vas ORACLE 5 16 Processed FCY Collection Transaction Report You can invoke Processed FCY Collection Transaction Report screen by typing RTRPFCYC in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Processed FCY Collection Transaction Report All Branches Single Branch Branch Report Date Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Branch Code You can generate this report for all the branches or a single branch alone You can indicate the branch for which the report is being generated using the following options e All Branches If you choose this the system will generate the report for all the branches e Single Branch If you choose this you need to specify the branch code for which the report should be generated The option list displays all valid branch codes maintained in the system Choose the appropriate one Date Specify date of the report from the adjoining calendar Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the report is as follows Header The following details are displayed in the header section Field Name Fie
74. saction amount inclusive of tax The bank has to remit Tax 9 090909 of gross charge collected from the income GL The ARC maintenance can be done as follows to achieve the same Charge 1 Charge Basis Transaction Amount Charge 5 Charge Debit Account Transaction Account Charge Credit Account Income GL say INC00001 Charge 2 Charge Basis Charge 1 Charge 9 090909 Charge Debit Account Income GL INC00001 Charge Credit Account Tax Payable GL say PAYB0001 For a cash deposit of USD 1000 in account CASA0001 the gross charge inclusive of tax will be USD 50 and Tax will be 4 55 after rounding The accounting entries for the maintained ARC will be as below DR CASH GL USD 1000 CR CASA0001 USD 1000 ORACLE DR CASA0001 USD 50 CR INC00001USD 50 DR INC00001USD 4 55 CR PAYB0001 USD 4 55 Netting If two or more accounting entries for the same event are to be passed to the same account on the same Transaction Date these entries can be netted You can choose to net the charge leg of the Transaction Account debit entry with the main leg of the customer accounting entry Transaction Code You can indicate the code using which the accounting entries would be booked for each charge Rate Code and Rate Type While settling charges for cross currency transactions you can choose to debit the customer by applying the mid rate buy rate or by
75. sfer Request FTRQ 1008 Miscellaneous Customer Debit MSCD 1015 Funds Transfer Request NoCOT FTNT 1018 Miscellaneous Customer Debit CDNT NoCOT 1408 Miscellaneous Customer Credit MSCC 8301 BC Issue Walk In BCIW 8302 BC Issue Against GL BCIG ORACLE Branch Transaction Function Description Retail Teller Module Fast Path Product Code 8305 DD Issue Walk In DDIW 8306 DD Issue against GL DDIG 8307 BC Liquidation Walk In BCLW 8308 BC Liquidation Against GL BCLG 8309 BC Liquidation Against Account BCLA 8310 DD Liquidation Walk In DDLW 8311 DD Liquidation against GL DDLG 8312 DD Liquidation Against Account DDLA 1010 BC Sale against Account BCSA 1014 DD Sale against Account DDSA 8003 TC Purchase Walk In TCPW 8004 FX Purchase Walk in FXPW 8203 FX Sale Walk in FXSW 8204 TC Sale Walk In TCSW 7551 Book Shortage BKSG 7552 Book Overage BKOG 1300 Close Out Withdrawal by Bankers CWBC Cheque 1301 Close Out Withdrawal COWL 1320 Close Out Withdrawal FTRQ 8301 BC Issue Walk In BCIW 8302 BC Issue Against GL BCIG 8305 DD Issue Walk In DDIW 8306 DD Issue against GL DDIG 8311 DD Liquidation against GL DDLG 8312 DD Liquidation Against Account DDLA 5001 Manual Loan Disbursement by LDCH Cash 5401 Manual Loan Repayment by Cash LRCH ORACLE 7 1 7 Annexure B Debit and Credit Advices for Retail Teller Module The advice types t
76. sible combinations of retail tell er branch product offset currency transaction currencies customer and customer group If you do not maintain specific records for each currency customer and branch combina tion you can use the option Product While maintaining the ARC details you have to indicate the retail teller product transactions involving which the details would apply Each product in Oracle FLEXCUBE is identified with a unique four character alphanumeric code You can indicate the appropriate product It is recommended that you maintain ARC details to be applicable for each retail teller product that you set up You can select CCDM Cash and Cheque Deposit Machines product to indicate that as soon as cash is deposited it will be reflected in the customer s account A separate GL is created to differentiate this CCDM transaction Currency You must indicate the currency transactions involving which the ARC details would be applied For each currency in which retail teller transactions would be processed involving the selected product you can maintain a separate set of ARC details in this screen You can also choose oe ORACLE the ALL option under currency which the system will use if no specific record for a currency is available Customer Group Specify the customer group to define charges This adjoining option list displays all valid customer groups maintained in the system You can choose
77. tem Time Body of the Report The following details are displayed as body of the generated report Field Name Field Description Branch Indicates the branch code Branch name Indicates the name of the branch Date of issue Indicates the date of issue Account Number Indicates the account number Currency Indicates the currency of transaction Customer Name Indicates the name of the customer Maker ID Indicates the maker ID of the record Maker Date Indicates the date and time when the record was created Checker ID Indicates the checker ID of the record Checker Date Indicates the date and time on which the record was authorized 5 13 Paid Out Cheque Report You can invoke Paid Out Cheque Report screen by typing RTRPPCHQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Paid Out Cheque Report 5 All Branches Single Branch Branch Code Report Date Date ReportFormat PDF Printer At Client Report Output Print Printer You can specify the following parameters here Se ORACLE Branch Code You can generate this report for all the branches or a single branch alone You can indicate the branch for which the report is being generated using the following options e All If you choose this the system will generate the report for all the branches e Single If you choose this y
78. thout requiring an override This limit corresponds to the minimum variance Overdraft This indicates the amount by which an account has been overdrawn Product This indicates an identifier in Oracle FLEXCUBE for any type of service that a bank offers its customers It represents a set of attributes and preferences are maintained for the product which will apply to the processing of any contracts transactions or deals involving the product service Shortage Overage GL This indicates the general ledger used for posting accounting entries related to differences between actual transaction amounts and amounts available in denominations Signature Verification This indicates the process of authentication of a customer s signature It is typically enforced for transactions involving amounts exceeding a certain specified limit Teller Till Balancing This indicates the task of reconciling the physical balance in a till with the balance according to the system records The operator performs this activity during the Beginning of Day process Teller Type Transaction This indicates the transaction performed by a teller Cash deposits and withdrawals sale and purchase of traveller checks and clearing checks are all teller type transactions Till A cash register used by a teller for the purpose of disbursing withdrawals and receiving deposits A till is usually linked to a safe or a vault Transaction Account This indicates the account of
79. tion e Products in the Retail Teller module that would be used to process retail teller transactions entered through the Branch e Accounting and charges details for combinations of product customer branch and currency that will be applicable for retail teller transactions Oracle FLEXCUBE provides inbuilt products in the Retail Teller module for retail teller transactions entered through an Oracle FLEXCUBE branch These products and their associations with the corresponding functions in the Oracle FLEXCUBE Retail branch should be maintained as per Annexure A of this User Manual No new products other than these need be maintained for such retail teller transactions You can however make changes to these inbuilt products to suit your requirements and specify any exchange rate parameters and any MIS details The accounting and charges details for combinations of product customer branch and currency that will be applicable for retail teller transactions must be maintained in the host Oracle FLEXCUBE installation through the ARC Maintenance Refer the head Maintaining Accounting Details for Retail Teller Transactions in this chapter for information about the ARC Maintenance aM ORACLE 3 1 3 Maintaining Accounting Details Introduction After you have maintained the requisite products for retail teller transactions you must maintain the accounting information that will be used by the system to process such tra
80. which the report is generated from the adjoining option list Report Format Select the format in which you need to generate the report from the adjoining drop down list This list displays the following values e HTML Select to generate report in HTML format e RTF Select to generate report in RTF format e PDF Select to generate report in PDF format e EXCEL Select to generate report in EXCEL format Report Output Select the output in which you need to generate the report from the adjoining drop down list This list displays the following values e Print Select to print the report e View Select to print the report e Spool Select to spool the report to a specified folder so that you can print it later Printer At Select location where you wish to print the report from the adjoining drop down list This list displays the following values on ORACLE 5 8 1 5 9 e Client Select if you need to print at the client location e Server Select if you need to print at the server location Printer Select printer using which you wish to print the report from the adjoining option list Contents of the Report The parameters specified while generating the report are printed at the beginning of the report Other content displayed in the Cheques Deposited Today Report is as follows Header The Header carries the Branch of the report information on the branch and date the ID of the user wh
81. y combination ARC Maintenance E New amp Enter Query Branch Branch Name Product Description Transaction Type Description Currency Customer Group Account Class Group IB Transaction Yes Offset Details Branch Account Account Description Transaction Details Branch Account Account Description Transaction Code Offset Transaction Code Main Transaction Code Liquidation Product for Demand Draft Netting Charges Main Leg for the transaction End Point Bank Float Days Description Customer Float Days Float Days Basis Debit Account Charge Debit Account Management Information System Transaction Leg Calendar Working Transaction Account Generate Transaction Advice Generate MT101 Main Offset Accounting Entries Required Exchange Rate Revaluation Profit Revaluation GL Loss Revaluation GL eE Charge 2 Charge3 Charge4 Charge5 Rate Minimum Charge Maximum Charge Rate Type Basis X Charge Debit Account Charge Credit Account Account Description Transaction Code Amount Charge Type Description Currency MIS Head Rate Code Delete Netting Slab Type Slab Their Charge Charge Tracking Preference Liquidation Preference for Tracked Charges Not Required Partial Fields Regulation Mod No Record Status Authorization Status Maker Date Time Checker Date Time Note It is recommended that you maintain ARC details for all pos

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