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Current and Savings Account Version-1.0 9NT1438

1. 14 6 ORACLE 15 Suspicious Activity Reports 15 1Introduction Suspicious Activity Report SAR is the report for Known or suspected violations of law or suspicious activity observed by the bank subject to the regulations of the Bank Secrecy Act The bank can generate the SAR when it suspects the following Insider abuse within the bank Violations of law aggregating over USD 5 000 where a subject can be identified Violations of law aggregating over USD 25 000 regardless of a potential subject Transactions aggregating USD 5 000 or more that involve potential money laundering or violations of the Bank Secrecy Act Customer doing unlicensed services or business Computer intrusion 15 2Processing Suspicious Activities Oracle FLEXCUBE facilitates the handling of suspicious activities in your bank This is done through the following process Maintaining parameters for identifying Suspicious activities Running batches to extract information about suspicious activities based on the pre defined parameters Generating reports based on the information extracted during the batch runs Maintaining suspicious accounts details in the system These have been discussed in detail in the subsequent sections 15 3 Maintaining Parameters Before running batches you are required to specify the basis on which the suspicious activities should be identified These can be maintained as follows 15 3 1 Maintaining Product Tolerance Li
2. AA2011981 CIF of Company B AN1033129 Further to required validation checks the system will perform the merger Deposit Accounts of Company A A C Type Account Number CIF Savings A C 0117053005471 AA2011981 Current A C 0117073000847 AA2011981 Certificate of Deposit 0117101000546 AA2011981 A C Deposit Accounts of Company B A C Type Account Number CIF Savings A C 0117053068903 AN1033129 Current A C 0117076211000 AN1033129 Certificate of Deposit 0117176008199 AN1033129 A C During the beginning of day process of the following working day the merger will take place The system will update the CIF A C Type Account Number CIF Savings A C 0117053005471 AN1033129 Current A C 0117073000847 AN1033129 i ORACLE Certificate of Deposit 0117101000546 AN1033129 A C Savings A C 0117053068903 AN1033129 Current A C 0117076211000 AN1033129 Certificate of Deposit 0117176008199 AN1033129 A C Once all the accounts have been moved to the new CIF AN1033129 the system will close the old CIF AA2011981 Old CIF will be stored as FKA for the new CIF as shown below Customer Number FKA AN1033129 AA2011981 A batch program STDCIFMG may be maintained for customer merger in FLEXCUBE You need to maintain this batch as part of Beginning of Day operations ma ORACLE 5 1 5 1 1 5 Maintaining Check Book Details Introduction In the Check book details table you can maintain deta
3. Automatic Manual Fund Collection Auditing O Available Date Reference No Released By Release Time In the Uncollected Funds Release screen you can choose to e Release the uncollected funds for a credit transaction for which manual release has been specified or for which a float period has been specified You can release the funds before the available date is reached The release can be automatic or manual If automatic you can specify a To Date and any transactions whose available date falls between the application date and specified To Date can be released e Specify a new available date for a credit transaction e Authorize any previous release of uncollected funds for a transaction ae ORACLE e View any credit transactions for which manual release has been specified or a float period has been specified or in respect of which funds have been previously released and the release is pending authorization The operation you select here is used both to retrieve the transaction in this screen and for application of the operation when you select a transaction from the retrieved transaction list Once a record is released the system internally stores the user ID of the person who released the funds along with the release time 13 2 1 2 Retrieving a Transaction To perform any of these operations on a credit transaction you must first retrieve the transaction in this screen To do so you can employ any of th
4. Intra day Release of Uncollected Funds During the course of a business day you can manually release uncollected funds for transactions that have been posted using a transaction code for which the Intraday Release option has been enabled and are due for release on or before the current date You can do this by executing the Intraday Funds Release batch process in the Intraday Funds Release screen You can invoke the Intra Day Batch Start screen by typing BABIDBAT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button intra Day Batch Start The Beginning of Day process skips the release of uncollected funds in respect of transactions posted using a transaction code for which the Intraday Release option has been enabled During the End of Day batch process uncollected funds for transactions that have been posted using a transaction code for which the Intraday Release option has been enabled and are due for release on or before the current date are released This takes place after all the End of Transaction Input EOTI validations are performed nt ORACLE The EOD batch processing ensures that if the Intraday Release batch is not run or the transactions are posted after the Intraday Release batch is run and the funds are due to be released the same is done This is done just after performing all pre EOT validations 13 3 1 Querying for Details on Overdrawn Accounts
5. You can invoke this screen by typing CARSIGN in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Significant Balance change Branch Code Product Code Fram Date To Date Amount of Change Percent of Change You can enter the following details Branch Code Specify the branch code for transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one Product Code Specify the product code for transaction The option list displays all valid product codes maintained in the system Choose the appropriate one From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation Amount of Change Specify the balance change in amount The report will include the transaction if the amount of change is greater than or equal to given amount Percent of Change Specify the balance change in percent The generated report will contain the following elements mete ORACLE 1 2 3 4 5 7 O 12 Field Field Report Field Name Description Account DDA Account STTM_CUST_ACCOUNT CUST_AC_NO No Number Account Name Name of STTM_CUST_ACCOUNT FULL_NAME DDA account Customer holder Name Account Account Type STTM_ACCOUNT_CLASS AC_CLASS_TY Type is C
6. user Remas ______ l amp Here you can view capture the following details External System Response The response from the external system regarding the black listed customer is displayed here User Remarks Specify your remarks regarding the black listed customer here Note the following e OFAC check is mandatory Before saving the Customer Account system will check if OFAC check has been invoked If OFAC is not checked system will raise an alert message to view the OFAC check details e You can extract the outgoing file of customer and customer accounts details from the Interface Trigger screen noe ORACLE 3 2 8 1 Specifying Change log Details change Log Branch Code Account Change Log et a ils MIS Class amp Transaction Date Old MIS Code New MIS Code Branch The current logged in branch code is displayed here 3 2 8 2 Specifying Transfer log details Balance Transfer Log Account Balance Transfer Log Details Branch Code Product Code Transaction Date GL Code MIS Cass Old MIS Code New MIS Code Trfilnd Here you can capture the following details Account Number This is the account number of the deposit If you specify an account that is disallowed for your user id and move to the next field the system will throw up an error override The restricted accounts for users ids are maintained in the User Account Class Restrict
7. Confirmation of Credit While processing incoming payments the system checks to see whether the account involved is an IBAN account If the account is an IBAN account it will be processed with the corresponding Oracle FLEXCUBE account number Secondary A c Statement This refers to the type of statement to be generated periodically by the system for this account You can specify whether you want a detailed or summary statement or if you do not want a statement for this account at all Cycle You can specify the frequency for generating the account statements To specify the frequency of the statements click on the adjoining drop down list The following list is displayed e Annual e Semi annual e Quarterly e Monthly e Fortnightly e Weekly oe ORACLE e Daily On For a weekly statement you specify the day of the week on which account statements should be generated and for fortnightly and monthly statements the dates of the month To specify for weekly statements click on the adjoining drop down list The following list of days will be displayed Monday e Tuesday e Wednesday e Thursday e Friday e Saturday e Sunday To specify for monthly statements enter a number between 1 and 31 corresponding to the system date If you set the statement date to 30 then account statements will be generated on e The last working day for months with lt 30 days e For months with 30 days on the 30th if 30th is a holiday
8. Linked Entities button in the Customer Accounts Maintenance screen 3 46 ORACLE Linked Entities List Of Linked Entities Customer x Description Relations x include Relationship Mailing label E LO O Customer Select the customer from the option list with whom you want to establish the relationship with the customer account that you are maintaining Description In this field the system displays the name of customer that you have selected in the previous field You cannot change the description Relationship You have to choose a relationship code to establish a relationship between the customer being selected and the customer account you are maintaining By default the system will select the customer of the account as the Primary Holder This is a pre shipped relationship and you will not be allowed to change the relationship Mailing Label You have to select the address to which the customer communications are to be sent Mailing label enables you to mark where the statements of an account are to be sent or received The mailing address given under the mailing label could either be the primary or the seasonal mailing address of the customer By default the system enables the mailing label for primary customer However you can overwrite the mailing label for an account if it is attached to any combined statement plan You are allowed to mark mailing label to any of the joint hol
9. MIS Clearing Accounting Entries Input By Date Time Authorized By Date Time Contract Status wa LBL_CHG_ACCY MIS Head The following details are displayed in this screen based on the ARC record for the instrument branch and currency chosen for the transaction e The charge account typically the income account specified in the charges section of the ARC Maintenance e The details of the charge such as currency and the transaction code used to post charge entries and whether netting is required The amount of the charge is computed by the system and displayed You can choose to alter the charge amount here 11 4 3 Liquidating the Drafts You can liquidate the drafts issued at any branch and payable at your branch You can invoke the Instruments Transaction Query screen by typing DDDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button ORACLE Instruments Transaction Query TRANSACTION DETAILS Instrument Type Issue Branch Instrument Number Instrument Date Instrument Currency Remitter Remitter Account Branch Reissue Remarks Beneficiary Name Address Country Narrative CHARGES MIS Clearing Accounting Entries Input By Date Time Date Time Process Status Payable Bank Payable Branch Demand Draft MICR No Instrument Amount Expiry Date SSN Exchange Rate User Reference Number Additi
10. Upload Source Maintenance screen You can invoke this screen by typing CODSORCE in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button gt Upload Source Maintenance Source Code Description Base Data From Flexcube Fields Input By DOCS Date Time Modification Number i Authorised Authorised By Date Time H open ORACLE Source Code Enter a code to identify of the source that you are maintaining For OD charge reversal you can specify CHGREV as the source code Description Enter a brief description as to the nature of the source 14 1 2 Maintaining Upload Source Preferences for OD Charge Reversal You need to set the preferences for the upload source maintained for overdraft charge reversal You can invoke this screen by typing CODUPLDM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Upload Source Preferences Maintenance Source Code Module Code laz Error Handling On Override Ignore we On Exception Reject we Post Upload Status Authorized bal Purge Days Calender C Allow Deferred Processing Allow EOD with Deferred C Allow Delete Input By DOCS Date Time Modification Number E Authorised Authorised By Date Time E open Enter the details as shown in the figure The source code needs to be the one you have created for OD charge
11. Used status to a Cancelled status e A Not Used status to a Cancelled status You cannot change the status of a Cancelled Check 13 1 4 FT Upload You can configure Ft upload function to be run as part of the EOD operations You can invoke the Instrument Type Maintenance screen by typing ISDINSMS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Instrument Type Maintenance Instrument Master Instrument Type Branch q C FT Upload Account A C LPAD Reqd Cheque Book No No Of Leaves Account Branch FT Details FT Upload Account FT Upload Product FT Account Branch Status Input By DOCS Date Time Modification Number E Authorized o Authorized By Date Time v open All the consolidated Check s that are printed and for which the Ft Upload option is selected get uploaded when this process is run Click Exit or Cancel button to execute the upload process The system generates an Ft Contract Ref No for each transaction contributing towards the consolidated Check amount and credits the Ft Upload Account with each amount individually thus keeping a track of all such transactions 13 1 5 Associating an Instrument Type with a Settlement Instruction If the settlement account of a settlement instruction is the nostro with another bank the settlement instruction is automatically associated with the instrument type ass
12. You can query for details of accounts that are overdrawn over limits through the Overdrawn Accounts Query screen oe Overdrawn Accounts Query Customer Number Account No Currency Facility Identifier Liability Number A search Advanced Search Records perpage 15 v 1 of 1 ecto rave d Customer Number Branch Code Account No Currency Facility Identifier Liability Number Payable Bal Uncoll Funds Uncoll Funds You can view the following information in this screen Customer Number Account Branch Account Number Account Currency Facility Identifier Line ID Liability Number Payable Balance This is the available balance after taking limits into account This is the sum of the temporary overdraft and the minimum of the available amount for the line and the sub limit Uncollected Funds the funds which are pending collection on the customer account Uncollected Funds Limit ae ORACLE e Withdrawable Uncollected Funds this is the uncollected funds that will be released either today or with a value date lesser than today This is determined by your specification for the Withdrawable Uncollected Funds Basis at the branch level subject to uncollected funds limit at the account level If for a branch you have specified the Uncollected Funds Basis as Uncollected then the total of uncollected funds is treated as uncollected funds If your specification is Uncollected funds Avil same day then o
13. indicates a system generated amount block equivalent to the external deal amount maintained in the system You cannot modify a System type of amount block During debit transaction processing Oracle FLEXCUBE will use Mid Rate if the primary account currency and cover account currency are different Remarks Specify remarks about the amount block if any Reference No The system generates a unique reference number upon saving the record Note the following e For system generated amount blocks corresponding to external deals Oracle FLEXCUBE Reference number automatically generated in External Deal linkage screen gets defaulted here e The system generated Escrow amount blocks are identified with an unique original transaction Reference No e You are not allowed to modify or close Escrow Amount Blocks Hold Code Specify a valid hold code The adjoining option list displays all valid hold codes maintained in the system You can select the appropriate one Hold Description The system displays the hold code description 7 5 ORACLE For system generated amount blocks corresponding to external deals the description maintained at Hold Code Maintenance screen for Hold Code Type External Deal gets displayed here For more details related to external deal maintenance refer Core Services User Manual 7 1 3 Viewing Amount Block You can view a summary of Amount Blocks maintained at the Amoun
14. Available balance Hold Blocked or STTM CUST ACCOUNT ACY BLOCKED AM amount Hold OUNT amount Overdraft Over Draft STTM_ CUST ACOUNT TOD_ LIMIT limit Limit Last Query LCY_ AMOUNT from ACTB_DAILY LOG customer where DRCR_IND is Credit and then get the last 17 19 ORACLE Account Name of STTM CUSTOMER FULL_NAME name account and holder STTM CUSTOMER ADDRESS LINE1 address STTM CUSTOMER ADDRESS LINE2 STTM CUSTOMER ADDRESS LINES Field Field Field Name Name Description amour transaction as ne amount aE Deposit Deposit DO VALUE_DT from ACTB_DAILY_LOG date date where account type is deposit Date Account STTM CUST ACCOUNT AC_OPEN DATE opened Open Date 12 Credit Credit STTM CUST ACCOUNT CREDIT TXN_LIMIT limit Transaction Limit 13 Available Not Available credit Days OD No of days The difference between the account TOD_LIMIT_START_DATE has availed TOD_LIMIT_ENd DATE OD Number Non Query current balance from customer account of times Sufficient and if yes then count no of rows from NSF fund NSF actb_vd_balance for NSF will be limited 17 10ACH Stop Payment Reports You can generate ACH stop payment reports using the ACH Stop Payment Report screen You can invoke this screen by typing STRPSPMT in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button 17 20 ORACLE ACH Stop Payment report Branch Account Details Branch
15. REG Account Status Currency Limits mais Statement Joint Holders Fields Deposits Instruction Billing Parameters Account Signatory Interim Transactions Report Notice Cards OFAC Check Change Log Maker Date Time Record Status Cancel Checker Date Time Authorization Status Specify the following 3 28 ORACLE Mandatory Specify if the selected document category is mandatory or not by choosing one of the following options from the drop down list e No e Yes Checked Check this box to check if the document is received or not Note the following e The checklist from the account class will be defaulted in this screen When the account is opened for a customer type and category the document associated with that customer type and category will be defaulted in the checklist tab from the account class maintenance e The addition deletion and modification of the checklist items in the account class maintenance screen will be reflected in this screen for the accounts opened subsequent to the successful authorization of the account class e Existing accounts will remain unaffected by the change in account class parameters unless amended to include checklist items e System will provide an appropriate error message if a mandatory document is not provided The error message override enables account creation even if a mandatory document is not provided e lf you amend an existing account class to provide chec
16. The UDE currency defined for the product in the Interest Product Preferences screen that you apply on the account is displayed Note that the UDE values that you specify for the account subsequently will be taken to be in this currency You can opt to generate an advice for the benefit of the customer when the values of the UDEs defined for the interest rule change Generate Rate Change Advice Check the box Generate UDE change advice at account level to indicate that interest rate change advice has to be generated for the account at EOD System generates interest rate change advices for Customer Accounts Certificate of Deposits and Savings accounts when the interest rate changes as part of EOD For those accounts when interest rate changes the details are handed off for rate change advice generation and the same is generated in the pre determined swift format as per MT 935 n ORACLE The advice tag used for interest rate change is RTCHG_ADVICE The advice format for interest rate change as per MT935 is given below Tag Field Name Content Options Remarks Transaction Reference Number NO Unique Transaction Reference Number generated by system Further Identification 16x Specifies the kind of interest rate Field 23 populated as per account class type IF Class Type is S or Y Tag will be populated with Currency DEPOSIT If Class Type is C Tag will be populated with Currency CURRENT NO O1 Custom
17. e Days e Months e Years Renew Units Specify the renew units The following validations need to be done for the frequency e If Renew Frequency chosen is Days then Renew Units cannot be greater than 366 e f Renew Frequency chosen is Months then Renew Units cannot be greater than 12 e f Renew Frequency chosen is Years then Renew Units can be given in terms of years Next Renewal Limit Specify the TOD amount that can be renewed in next cycle d ORACLE 3 2 11 Specifying Joint Holder Details You can capture details of joint holders of the account using the Linked Entities screen Click the Joint Holders button in the Customer Accounts Maintenance screen to invoke this screen Joint Holders Branch Code p00 Account Customer No List i Joint Holders Description Joint Holder Type Start Date End Date Mailing label Authorized Signatory T F Branch The system displays the branch code of the current branch Account Number The system displays the account number here Joint Holder Code This field specifies the code numbers assigned to each of the joint holders of this account Description This is the description of the joint holder Here you can enter the name of the joint holder and also his relationship with this customer Joint Holder Type Specify the type of authority Select the appropriate one from the drop down
18. 1 AND AC DORMANCY DAYS lt 30 AC_ DORMANT 1 AND AC DORMANCY DAYS DORM CH PER DAY2 AC DORMANCY DAYS gt 30 UDE Value Maintenance You can maintain UDE values for the rules using the Interest and Charges User Data Element Maintenance screen You can invoke the Interest and Charges User Data Element Maintenance screen by typing ICDUDVAL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 18 21 Interest amp Charges User Data Element Maintenance Product Code az Description Branch Code az Effective Date Product Accruals Accrual Frequency Liquidation Frequency Days Months Years Rule Description Account Class Description Currency Code User Element Amounts Currency User Data Elements CI User Element User Element Value Rate Code TD Rate Code Input By DOCS Date Time Authorized By Date Time Modification Number We authorized v Open Cancel For details about the screen refer the chapter Giving UDE Values for Condition in the Interest and Charges User Manual In this screen you need to maintain the following UDEs for the different IC products Assume that you have maintained the following interest products Interest on Saving and Current Bank Accounts for Retail Customer Debit Interest on Current Accounts Interest on Current account for Corporate Customer In
19. Billing Parameters Account Signatory Interim Transactions Report Wotice Cards OFAC Check Change Log Maker Date Time Record Status Checker Date Time Authorization Status Cancel Specify the following details Name Specify the name of the beneficiary of the account Date of Birth Specify the date of birth of the account beneficiary Relationship Specify the relationship that the beneficiary shares with the primary account holder Address 1 to 4 Specify the address of the beneficiary 3 27 ORACLE Minor Check this box to indicate that the beneficiary is a minor less than 18 years old Guardian Name In case the beneficiary is a minor specify the name of the beneficiary s guardian Relationship Specify the relationship that the beneficiary shares with the guardian Address 1 to 4 Specify the guardian s address 3 1 12 Specifying the Checklist Details Click Checklist tab in the Customer Accounts Maintenance screen in order to capture document checklist details for the account Customer Accounts Maintenance Branch Code 000 Customer Number H Old Cif Account Customer Name Currency Account Class SD User Reference Main Auxiliary Beneficiary WAKAAE Document Details Document Category Document Type Mandatory Checked Remarks interest Charges Consolidated Charges Recurring Transfer Linked Entities
20. C Local Currency Basis Account Tax Payable Currency Flag Basis Amount Tax Amount Option v Option Method v Method Decimals Decimals Units Units Formula Wizard Periodicity Daily a v Days ina Year Actuals v C Rounding Required Ok Cancel You need to maintain two booked formulae and one tax formula Formula 1 Specify the following details Periodicity Select Daily from the adjoining drop down list Book Flag Select Booked from the adjoining drop down list Debit Credit Select Credit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box 18 3 ORACLE Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen Formula Wizard Formula Wizard F Expression Element Functions Operators Logical Operators Ok Cancel In this screen specify the following expressions VD_DLY CR BAL M gt 0 VD_DLY_CR_BAL_M NORMAL_RATE1 DAYS AND VD_DLY_CR_BAL_M lt YEAR 100 AMOUNT2 VD_DLY CR BAL M gt VD_DLY_CR_BAL_M NORMAL_RATE3 DAYS AMOUNT2 YEAR 100 Formula 2 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Sele
21. Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e DAYS e DLY NET BAL M o YEAR e ACCOUNT LIMIT UDE Maintain the following UDEs e NORMAL_RATE1 e NORMAL_RATE2 e NORMAL_RATE3 Type For each of the UDEs select the option Rate from the adjoining drop down list Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen You need to maintain two booked formulae and one non booked formula Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Credit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expression DLY_NET BAL_M gt 0 ABS DLY_NET_BAL_M NORMAL_RATE1 DAYS YEAR 100 Formula 2 Specify the following details Book Flag Select Non Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credi
22. No debits can be posted to the account For example Silas Marner a customer of your bank going abroad for a year instructs you not to debits his account till his return You can execute this instruction by checking this box No Credits No credits can be posted to the customer account by enabling the check box positioned next to this field Frozen If you have frozen a customer account in the Customer Information Maintenance Basic screen the accounts gets frozen For instance at the behest of a court order the status of the account is reflected here in the Customer Accounts Maintenance screen Status Change Automatic This specification will be defaulted from the account class to which the account belongs However you have the option of changing it at the customer account level If you check this option the status of the account will be changed automatically by the system as per the conditions maintained in the Status Rule Definition screen invoked from the Account Class Maintenance screen If you do not select this option you have to change the status manually through the Manual Status Change screen No Overdraft It will remain checked by default during overdraft waiting period It will automatically be unchecked on the BOD of next working day after the expiry of the overdraft waiting period Stop Payments If a stop payment instruction is issued for a Check or an amount against the account number
23. Reference Agreement ID Specify the reference number or agreement identification number The adjoining option list displays the reference agreement id based on the order type selected You can select the appropriate one Note the following e lf you have selected Stop Payment Order in the Order Type field the details like Instruction reference number product category customer account no customer name counter party account no and name of an authorized PC instructions will be displayed in the option list 8 6 ORACLE e If you have selected Stop Payment ACH direct debits in the Order Type field the details of the existing PC client agreements will be displayed in the option list e Ifyou have selected ALL in the Account Branch Account No and Transaction Amount field then these fields can be used as wild card entries Not bound to particular field value If you have not selected an Instruction number then it indicates that the stop payment is applicable for all the related PC Instructions for this customer otherwise the stop payment is applied only on the selected PC instruction Communication Mode Select the communication mode from the adjoining drop down list This list displays the following value e Oral e Written Received Date Specify the date on when the instruction for the stop payment is received The received date should not be greater than the system date Confirmed Check this box to
24. account mentioning a particular amount and check no for a particular period If any debit transaction is triggered with that particular stopped check but with different amount then system will throw an override to you Stop payment exists for this check Proceed You may confirm with the customer and decide whether to proceed or reject the transaction If the instruction is Check based the customer would give you the number of that Check If the instruction pertains to a range of Checks the customer would give you the number of the first Check and the last Check in the range Start Check Number This is the first Check of the range If the instruction is specified for a range of Checks the number of the first and the last Check of the range should be specified by the customer If the instruction is to withhold payment for one Check alone enter the same Check number in both the start Check number and the end Check number fields This is not mandatory if the stop payment type is an amount 8 3 ORACLE End Check Number This is the last Check of the range If the instruction is specified for a range of Checks the number of the first and the last Check of the range should be specified by the customer This is not mandatory if the stop payment type is an amount Check Amount If the stop payment type is amount the Check amount represents the amount for which the Check was drawn Confirmation S
25. for one choose Savings and for the other choose Nostro Account Statement Format Choose ACST DETAILED for Savings type of account class and Nostro type of account class Maintaining Message Types You can invoke the Message Type Maintenance screen by typing MSDMSTYFP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button od ORACLE Message Type Maintenance Module Message Type Description aA Priority Normal Maximum Message Count Swift Messages For Product Setup Swift Message Type F Generate at input Consolidated Message Type Show in product Input By DOCS Date Time Modification Number WE authorized ance Authorized By Date Time B open You need to maintain eight records with details given below Ei he Type Type pe iesto acs nerateo no estoe O uesto pe estomen O uesto pe reso O postom For further details refer the chapter titled Maintaining Messaging Branch Preferences in the Messaging System User Manual 9 3 4 1 Term Deposit Rollover Advice Format You need to maintain the TD_ROLL message type or advice format for generating term deposit rollover advice The system generates the TD rollover advice based on the specified number of days before the rollover date in the deposit account details screen Event IMAT The tags used in the TD Rollover Advice format are listed below i
26. screen Account No The account number is displayed from the main Customer Accounts Maintenance screen Authorization Status Indicate the authorization status of the debit card by selecting one of the following values e Authorized e Unauthorized Record Status Indicate the record status of the debit card by selecting one of the following values e Open e Closed oe ORACLE 3 6 5 3 6 5 1 Branch Code The system displays the branch code where the debit card has been issued Request Reference Number The system displays the request reference number of the card issuance record Card Number The system displays the debit card number of the card holder Multiple cards can be issued to a customer Generating Alert for Secure Overdraft Utilization Secure Overdraft SOD facility is given against collaterals for an account Oracle FLEXCUBE facilitates generation of alert when SOD utilization is closer towards the consolidated limit amount of the collaterals Oracle FLEXCUBE runs a batch process to identify such breached SOD accounts and generates alerts as per the maintained percentage parameter at SOD account level and decides the breach limit for every account The system sends the generated alerts as ADVICE format email or ASCII flat file It defines the message format for email and captures the following key information to send these alerts to OD customer e Email ID e Mobile number The system
27. screen The screen is shown below Account Operating Instructions Maintenance Date of Last Maintenance Maintenance Instruction Conditions 1 instructions 1 ie Conditions 2 instructions 2 B Conditions 3 Instructions 3 E Instructions 4 E Conditions Ma Elements Conditions 4 Operators v Value a l aaam Date of Last Maintenance The current system date is also displayed Instructions Specify the instructions to be borne in mind when operating a customer account Conditions At the time of maintaining an instruction you can also specify a condition for displaying the instructions when transactions pertaining to this account are being processed The instruction will be displayed to you when the condition is satisfied i ORACLE 3 2 Specifying US Federal Regulation Details Click Regulation Regulation to record the regulation details VIJ REG Details Web Page Dialog Reg 0 Penripd M Reg CC Avals ly Start Dala D Reg E Required Erd Dats M Rag D Applicable Periodkoty O Monthy D Stalement Cyc E Mote Reg E Required Select this check box if Regulation E is applicable to this customer account This check box is selected by default if the parent account class is specified as Reg E Required in its account class maintenance You may un select this check box if Regulation E is not applicable to this customer
28. the system will automatically check the Stop Payment box When the stop payment instruction is withdrawn the status gets updated accordingly If a customer has requested for stop payment of multiple Checks the Stop Payment option will continue to remain checked till the last request is also cancelled After cancellation of the last stop payment instruction the option gets updated unchecked immediately om ORACLE 3 1 3 Dormant The system updates this status for an account based on the dormancy days specified in the Account Class Maintenance screen Posting Allowed If checked indicates that the account class being created is to be used while creating IRA monetary accounts Monetary accounts used for IRA need to be distinguished from the other accounts in Oracle FLEXCUBE so that these accounts do not come up for posting in the other Oracle FLEXCUBE screens Viewing Status Details Status At the time of maintaining a customer account for the first time the account status will be NORM Normal by default The Status Since field will display the current system date i e the date on which the account is maintained in the system The system will update the status whenever a status change occurs Therefore at any point of time this field will display the current status of the account The Since field will reflect the date on which the account moves to the current status Subsequently the system will defa
29. Accounting Entries Accounting entries and overrides specified for a particular product default for the individual PDCs entered under that product You can view these for individual PDCs Click Accounting Entries button in the Post Dated Checks Transaction Input screen to invoke the Accounting Entries sub screen Accounting Entries Web Page Dialog Accounting Entries E Branch Account DebittCredt Amount Taq Code Date Yale Date Currency Foreign Currency Amount Exchange Ratt Contract Overrides C Overrides La ORACLE 10 1 6 Viewing ICFF Details Click the ICCF Details button in the Post Dated Checks Transaction Input screen to invoke the ICCF Details screen CCF Details Product Code Amount Type Pre Payment Method Collection Type Interest Rate Type Rate Code Borrow Lend Ine Rate Cycle Type Event Rule Flexcube Stop Application Propagation Required Accrual Required Allow Amendment Consider as Discount Advance Arrear Component Product Limits Product Description Settlement Currency Level Mo Units Grace Period Code Usage Reset Tenor Margin Basis Margin Application Event Description Rule Description Description Main Component Bulk Amount Link Contract 42 Ratecode The following fields are displayed here e Grace Period e Contract Reference Number e Component e Currency e Event e Rate Type e
30. Advanced Search Records per page Authorization Status Record Status Stop Payment Reference Order Type Customer Number Account Branch Account Humber You can query on records based on any or all of the following criteria e Authorization Status e Record Status e Stop Payment Reference No e Customer Number e Account Branch e Account Number e Transaction Amount e Reference Agreement ID e Order Type e Communication Mode e Received Date e Confirmed e From Amount e To Amount ORACLE Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Stop Payment Reference No e Customer Number e Account Branch e Account Number e Transaction Amount e Reference Agreement ID e Order Type e Communication Mode e Received Date e Confirmed e From Amount e To Amount 8 10 ORACLE 9 Generating Account Statements 91 Introduction An account statement is the record of transactions and their effect on account balances over a specified period of time for a given account An account statement lists the debits and credits that have taken place over a time period A detailed statement gives minute details of the transactions that have occurred on a given account including the order of details ultimate beneficiary payment method etc On the other hand a summary state
31. CIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 11 Credit Turnover CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 12 ORACLE 17 5 1 12 Debit Card Blocked CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 13 Debit Card Issued CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 14 Debit Turnover CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 15 Number of Transactions CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator mrs ORACLE 17 5 1 16 No of Account Statements CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 17 Stop Check Charges CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 18 Turnover CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 19 YTD Cr Turnover CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 14 ORACLE 17 5 1 20 YTD Debit Turnover CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 21 Year End Transfer CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 22 Year to date No of Transactions CLIQ Ac
32. Check that you would like to order This is captured in the field Check Type which is maintained as an UDF Refer to the User Defined Fields User Manual for details on defining UDFs Click Fields button in the Check Book Details screen toolbar to invoke the User Defined Fields screen 5 4 ORACLE User Defined Fields User Defined Fields C Field Name The UDF Check Type will be displayed in this screen Select the appropriate value from the option list provided The possible values are e J 20 page x 3 5 Personal e K 40 page x 3 5 Business e P 40 page x 3 5 Business e L 40 page x 3 5 2 Part e R 80 page x 3 5 Business 5 1 3 Viewing the Status of a Check For each Check book issued to a customer the system maintains the status of each leaf in the book The status of a Check leaf can be one of the following Not Used This Check has not been used This Check has been used Ro Rejected This Check has been returned without clearance Stopped Astop payment has been issued for this Check This Check has been canceled a ORACLE To view the status of a Check book the details of which are on display click View Check Status button on the Check Book Maintenance table The View Check Status table is invoked View Check Status J View Check Status F Check Book Check Status Here you can view the status of all the le
33. Check leaves also For instance if you choose to close a Check book the status of the Check leaves is also automatically updated to Cancelled On reopening the Check book the status becomes Not Used again 13 1 3 Defining Check Details After the Check book is saved and authorized you can view the details of the individual Check leaves in the Instrument Type Leaf Maintenance screen You can invoke this screen by double clicking on a record in the Status of Check screen Navigate to the desired Check book number by using the previous and next arrow buttons in the toolbar The following operations are not allowed e Creating a new record e Copying a record e Deleting a record e Reopening a record e Closing a record The Messaging Subsystem of Oracle FLEXCUBE populates the following details whenever a Check is printed e Amount for which the Check is drawn e Currency of the amount e Beneficiary of the Check Date for which the Check was issued e Date on which the Check was printed ORACLE You cannot change any of the above details However you are allowed to change the status of a Check Select Modify from the Actions Menu in the Application toolbar or click unlock icon to make the changes The status of Check is modified through the Change Instrument Status screen Click Change Status To button to display this screen You will be allowed only the following status changes e A
34. DOC1 Date Time Modification Number ia Authorised Authorised By Date Time iv Open The fields in this screen are the same as those in the Post Dated Checks Transaction Input screen mentioned above Additionally you have to specify the number of instruments the instrument number frequency and the activation date frequency i e the frequency with which the PDCs fall due in days months and years Check in Series Check this box to enable bulk input of post dated Checks If this box is not checked you have to enter the individual details of the Check for the same clearing product and currency Bulk Input Details You can input bulk number of Checks even if it is drawn on different accounts and different amounts here The following details are captured here Operation Select the operation from the adjoining drop down list The available options are e Purchase Select this option if the Activation date is current date and when selected CPUR event will be fired 10 18 ORACLE e Discount Select this option if the Activation date is future date and when selected the event CDIS will be fired A validation will be done for the operations while saving the PDC transaction Beneficiary Account Number Specify the account in favor of which the PDC is drawn If the customer draws a PDC on his account for depositing into another account held in your bank then you can enter the beneficiary account here The beneficiary acco
35. INTBASIS _ Penalty Applied PENALTYAPP__ Penalty Value PENALTYVAL _ Interest Rate gt INTRATE_ 9 8 _B_ AVAILABLE BALANCE Floating Rate code FRATECODE _ Charge Amount CHGAMT _ Maturity Date of TD MATDATE __ ENDIF EC EH PH STATEMENT OF ACCOUNT ACCOUNTNO_ Statement From FROMDATE_ To _TODATE_ PAGE _Pg_ Trn Code Narrative REFERENCE Book Date Value Date Withdrawal Deposit Closing Balance EH B LOOP IF _TRNCODEDESC_ _A__TRNCODEDESC_ _TRNREFNO BDT CRAMOUNT _BALAFTERTXN DUMMY ENDIF IF _ADDLINFO 9 9 _VALDATE_ _DRAMOUNT_ _A__ADDLINFO_ _DUMMY_ ENDIF ENDLOOP EB _A Totals _DEBITVALUE_ _CREDITVALUE_ A A No of DEBITS _ND_ AND CREDITS NC B CLOSING BALANCE _DRC _ _CLOSEBALANCE__B _ AVAILABLE BALANCE _AVLBALANCE_ B IF LUNCOLBALANCE _ UNCOLLECTED BALANCE _UNCOLBALANCE _B_ BLOCKED BALANCE _BLOCKEDBALANCE_ _B_ ENDIF _A__ADVINFOBR_ _A__ADVINFOACLS _ UNAUTH ENTRY R REVERSAL End Of Statement EF 9 10 ORACLE Term Deposit Advice Tags The advice tags used in generating term Deposit advice are listed below _PENALTYVAL _ Penalty Value _INTRATE_ Interest Rate _FRATECODE _ Floating Rate code _CHGAMT _ Charge amounts computed on the account _MATDATE _ Maturity Date of TD e Grace Period This tag displays the period wherein the customer has the option to walk into the bank after maturity to take a decision on his deposit
36. Input O Other Bank Allowed D Discount days Allowed Input By DOCS Date Time Modification Number MB authorized Cancel l ance Authorized By Date Time v open 11 2 1 1 Entering the Details In this screen you can enter certain basic details of the instrument They are e The instrument type e A description of the instrument e The other preferences which include gt Whether auto authorization is allowed for the instrument type gt Whether you need a print of the instrument details as and when the details are entered and authorized gt Whether online authorization is allowed for the instrument gt Whether the instrument type allows to create demand drafts payable at other banks e The expiry frequency of the instrument in days months or years ee ORACLE e The advice format applicable under this instrument type e The status of the instrument and the product codes associated with the same e The currency in which the dd is being issued e The dao branch where the dd is being issued from e The dao account which will get credited for the dd issued as per the currency and dao branch e The payable limit indicates the limit for the issuing an instrument for the bank You can set a limit for each instrument type All the instruments under the instrument type issued by your bank should be within the specified limit In case the instrument issued for the issuer bank exceeds this limit the system will prompt for
37. Jan 12th Jan is a Holiday so the account status will actually change on 13th Jan after BOD Example 2 Overdraft Set Up On Account Opening Date Account opening date 5th Jan 2006 Waiting period 7 days Waiting period for accounts with OD 10 days Account OD set up date 5th Jan 2006 a ORACLE Holidays 12th and 15th Jan 2006 Account withdrawal date 5th Jan 7 days 12th Jan OD Start date 5th Jan 10 days 16h Jan As 15th Jan is a holiday 12th Jan is a Holiday so the account status will actually change on 13th Jan BOD Specifying Turnover Limit Preferences The account inherits the turnover limit code linked to the parent account class Turnover Limit Code The system displays the turnover limit code applicable to the account Specifying Account Facilities As part of specifying the account facilities you can indicate whether the account holder can avail of the following facilities e A Checkbook facility e A passbook facility e An ATM facility You can indicate that the account holder can avail of a Check book Passbook ATM facility by checking the box positioned next to each of these fields If you have indicated that the account holder needs to be provided with the check book facility you can also specify whether automatic reordering of Check books should be allowed for the account In addition you will have to maintain the check book details through the respective screen Similarly you can choose to ind
38. MT942 MT950 or MT940 are included in the generated statement oe ORACLE You can examine the details of the generated message to ensure that all details entered are correct Click on the View button to observe the outgoing message Message Details Swift Message Type Reference Number DCN version Number Remarks Reject Reason Message Trailer You can examine the message for ensuring the information entered is complete You can only view the details of the message no input of additional information is supported at this stage 3 6 3 Maintaining Notice Preferences for Withdrawal You can view and modify the notice preferences maintained at the account class level for the withdrawal of amount from savings account through the Notice Preferences screen Click Notice button in the Customer Accounts Maintenance screen The Notice Preferences screen is displayed as follows Notice Preference Description Advance Interest Monthly Free Amount Notice Days Validity Period This screen is applicable only for saving type of account The following field is displayed in this screen ae ORACLE Description The following details are defaulted from the account class maintenance level However at the account level you are allowed to modify this Advance Interest Check this field to levy the advance interest on the account Note the following e The c
39. Maximum Rate 10 15 ORACLE e Minimum Rate e Customer Margin e Interest Periods e Fixed Rate e Rate Code e Description e Interest Amount e Spread 10 1 7 Viewing Summary of Post Dated Checks Transaction You can query view and delete the transaction details of the post dated Checks in the Post Dated Checks Transaction Summary screen You can invoke this screen by typing PDSONLIN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Post Dated Cheques Transaction Summary Transaction Reference Number az Product Code Branch Code az Remitter Account Number Instrument Number az Issuer Bank Account Number search Advanced seach Records perpage 15 v ijt ota clic oetra C Transaction Reference Number Event Sequence Number Source Code External Reference Product Code Branch Code Remitter Acc lt Record Status Status Open Un Processed C Closed Active Liquidated Reversed Cancelled Here you can query on post dated Checks based on any one or all of the following criteria e Transaction Reference Number e Branch Code 10 16 ORACLE e Instrument Number e Account Number e Product Code e Remitter Account Number e Issuer Bank Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one
40. On the September 5 2001 there has been no movement of funds in the particular account If you have opted for the Generate Only on Movement option the system will not generate a statement message for September 5 2001 oe ORACLE If you choose not to enable this option account statements will be generated regardless of whether there has been a movement of funds or not Display IBAN in Advices If you would like to print the IBAN number of the customer on advices sent to the customer you can enable the Display IBAN in Advices option by checking it This specification will be defaulted from the account class linked to the customer account You will be allowed to change it for a specific account You can choose to print the IBAN Number in advices that are sent to the customer by enabling the check box positioned next to the Display IBAN on Advices field If the Display IBAN on Advices check box is disabled you can enable this option by checking the box Consequently the IBAN Account Number will be printed on all customer correspondence Debit Credit advices involving the particular account Because of choosing to print IBAN numbers in the correspondence sent to the customer the Oracle FLEXCUBE account number will be replaced by the IBAN number The lists of SWIFT messages that will include IBAN account numbers are as follows e MT940 Customer Statement Message e MT950 Statement Message e MT900 Confirmation of debit e MT910
41. Payment Instruction A directive from a customer to the bank instructing that payment against a check must be stopped The directive could specify an amount in respect of a check a single check or a range of checks 16 1 ORACLE 17 1 17 2 17 Reports Introduction During the day or at the end of the day you may want to retrieve information on any of the several operations that were performed during the day in your bank You can generate this information in the form of reports in ORACLE FLEXCUBE For every module you can generate reports which give you data about the various events in the life of a specific contract or across contracts at a specific point in time You can have analysis reports daily reports exception reports reports on events that ought to have taken place on the contract but have not due to various reasons and history reports and so on From the Application Browser select the Reports option A list of all the modules to which you have access rights are displayed in the screen When you click on a module all the reports for which you have access rights under the selected module are displayed Click on the report you want to generate You will be given a selection Criteria based on which the report would be generated You can generate the following reports e Check book Details Report e CASA Stop Payment Report e Significant Balance Change accounts Report e Kiting Report 1 e Kiting Report 2 e NSF or
42. Reg O Code Click Regulation Regulation to record the Regulation O details REG Details Web Page Dialog Rega O code io az C RegP Opt Out Reg O Code Specify the Reg O code here by selecting it from the list available This list shows all Reg O codes maintained in the Reg O Maintenance screen By default the REG O Code is 0 zero If you leave it unchanged then on saving the record the following notification is displayed Value of Reg O Code is same as Default Value Reg P Opt Out Check this box to indicate that the customer has opted for non disclosure of Non Public Personal Information Based on this maintenance you must manually make sure whether or not you can disclose the customer s Non Public Personal Information to non affiliated third parties i ORACLE 3 2 1 Specifying Recurring Transfer Details You can capture details of Recurring Transfer s for the account using the Instruction Diary Summary screen To invoke this screen click the Recurring Transfer s button in the Customer Accounts Maintenance screen amp Instruction Diary Summary Here you can view the following details 3 2 2 Specifying Linked Entities Authorization status Record status Instruction number Unit type Unit value Branch code Instruction Instruction type You can capture details of linked entities for the account using the Linked Entities screen To invoke this screen click the
43. Requesi Type ire Ha You can query on records based on any or all of the following criteria e Authorization Status e Record Status e Reference Number e Customer Number e Branch Code e Process Status Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Reference Number e Customer Number ie ORACLE e Branch Code e Request Type e From Date e To Date e Request Date e Process Date e Process Status 9 3 8 Maintaining Automatic Consolidated Statement Requests You can maintain statement requests of customers who would require consolidated statements on an automatic basis using the Automatic Consolidated Request Statement Maintenance screen You can invoke this screen by typing STDACRST in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button gt Automatic Consolidated Request Statement Maintenance R eterence Number Branch Com Effective Daie 2007 11 28 Preeequency Start Month Stat i LasiExecuied Date 2008 01 29 Maker G1pa25u2 5E Ti Te Moa Ne Checker Fi iSoAoi 21 35 Record Status Open Suthartehon Sistus 2utherires You can capture the following details here Reference Number Specify a 16 digit unique code to identify the record with You can leave the field blank to have the system
44. Restriction Special Condition By default the restrictions maintained at the account class level will be displayed here When you define transaction code or product restriction attributes for an account itself rather than for the account class to which it belongs it is referred to as a Special Condition You can apply special conditions by selecting the option Special Condition Applicable at the account level If you opt to define special conditions for an account the restrictions defined for the Account Class to which the account belongs will NOT apply to this account If you wish to continue with the account class restrictions opt for Special Condition Not Applicable Restriction Type Specify the restriction type here The options available are e Allowed If you select this the products entered in the multi entry block will be allowed for that customer account e Disallowed If you select this option the products entered in the multi entry block will be disallowed ome ORACLE 3 2 5 2 Product Code You can select the products and specify the type of transaction Dr Cr or both that you would like to allow disallow for each product In contracts involving the selected products the accounts would be used for processing the selected type of transaction For instance assume that for the account A1 you have allowed Dr for the product ABCD This would mean that if a Dr entry for the product ABCD is
45. Select the request type from the adjoining drop down list The available options are e Consolidated 9 26 ORACLE e CASA e Corporate Loans From Date Specify the start date of the statement To Date Specify the end date of the statement Request Date Specify the date on which the request is raised by the customer Note that To Date must be less than or equal to Request Date Process Status The system displays the status denoted by a single letter as below e U When the customer requests for the statement this status is displayed e P For statements processed successfully this status is displayed e E For statements that encounter error during processing this status is displayed Using the Generic Interface you can maintain the statement format and generate the statements Process Status Details The system gives the description of the single letter Process Status displayed above 9 3 7 1 Viewing Adhoc Consolidated Statement Request Summary You can view a summary of adhoc consolidated statement requests using the Adhoc Consolidated Statement Request Summary screen 9 27 ORACLE You can invoke this screen by typing STSCRSMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Adhoc Consoldated Statement Request Summary Advanced Search Records per page 1a 200 r Authonzabon Status Record Siatua j r Branch Code
46. Status e Branch e Suspect Customer ID e Full Name e Suspect Status e SSN TIN Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status a ORACLE Record Status Branch Suspect Customer ID Full Name Suspect Status SSN TIN 15 12 ORACLE 16 Glossary 16 1 Important Terms Amount Block It refers to the portion of the balances of a customer account that is designated to be set apart for specific purposes and cannot be withdrawn The blocking can be set up either on request from either the customer or the bank Check Book It is one of the means that the bank provides to the customer for withdrawal of balances from the account It consists of a specified number of leaves against each of which a specified amount can be drawn from the account balance Effective Date It is the date on and following which an amount block on a customer account becomes effective End Check Number It is the number of the last check in a range of checks against which a customer directs the bank to stop payment Modification Number It is the serial number of a check status modification It is incremented serially each time the status of a check is modified Start Check Number It is the number of the first check in a range of checks against which a customer directs the bank to stop payment Stop
47. Testing F Seq No Primary Account Primary Account Branch Primary Account Currency Cover Account Cover Account Bra 1 CHOO00002429 CHO GBP CHO00002430 CHO 2 CHO00002430 CHO GBP CHO00002431 CHO 3 CHO00002431 CHO GBP CHO00002435 CHO 4 CHO00002435 CHO GBP CHO00002436 CHO 5 CHO00002436 CHO GBP d C O O A Maker NAMITHA Date Time 2007 11 30 13 53 51 Mod No 1 Record Status Open Checker NAMITHA Date Time 2007 11 30 13 53 51 Authorization Stat Authorized us Here you can specify the following details Structure Group The system generates and displays the unique structure group code that should be used to identify the account structure 6 1 ORACLE 6 3 Description Specify the information about the customer to whom this structure group belongs Seq No Specify the store sequence number of the parent cover account This number is used to identify the preference level of the cover account Primary Account Specify the primary account that should be linked with the specified sequence number Primary Account Branch Specify the branch code of the primary account Primary Account Currency Specify the currency code of the primary account Cover Account Specify the cover account that should be linked with the specified sequence number Cover Account Branch Specify the branch code of the cover account Cover Account Currency Specify the currency code of the cover account Viewing Account Structure M
48. The identification of the notice e End Date The end date of the notice period Note the following e You can unlock the record and modify details but you cannot make retrospective changes e You can modify only the inactive notices i e only when application date is less than activation date of the notice e You can close and reopen the Maintenance 3 11 Viewing Utilization of Free Amounts You can view the utilization of free amounts with respect to advance interest for the accounts using Notice Utilization Query screen You can invoke this screen by typing STDADINT at the top right corner of the application tool bar and clicking the adjoining arrow button we ORACLE 3 12 Motice utilization query Account Mo Month Branch Code az Year az Resut LI Currency Year Month Free Amount Free Amt Utilized Free Amt Available Notice Amount Wotice Amt Utilized Notice AI Cancel You can query the records based on the following criteria e Branch Code e Account Number e Year e Month Viewing Dummy Numbers Associated with CIF Number To recall in the Branch Parameters screen you can specify a number range based on which the customers of your bank will be assigned CIF numbers for identification You can also maintain a dummy CIF number range for a branch The dummy CIF range will be used for account number generation Refer the Core Services User Manual for details on maintaining dum
49. Tracking Limits Tracking required If Limits tracking is enabled at product level then this box will be displayed as checked This is defaulted from the product and you are allowed to change it For Discounted and Purchase operations limits tracking should be checked Credit Line Select the credit lines to be used for limits tracking from the adjoining option list The credit lines maintained in the system for the customer are listed here The lines maintained for the customer is fetched by the system for the beneficiary account number and is allowed only for the CDIS CPUR operation The limit will get reduced to the extent of the Check amount when the Check is discounted and if it exceeds the limit attached an override will be thrown on saving When the PDC transaction is either reversed after liquidation or cancelled before liquidation the limit line reduced during discounting of the Check will get update to the extent to which it was reduced 10 1 4 6 Viewing Charges Parameters Charge parameters specified for a particular product default for the individual PDCs entered under that product You can view these charges for individual PDCs Click Charges button in the Post Dated Checks Transaction Input screen to invoke the Charge Details sub screen 10 13 ORACLE Charge Details Contract Reference Number Event Sequence Number Charge Details O Component Currency Waiver 10 1 5 Viewing
50. account Reg CC Availability Select this check box if Regulation CC is applicable to this customer account This check box is selected by default if the parent account class is specified as Reg CC Applicable in its account class maintenance You may un select this check box if Regulation CC is not applicable to this customer account You can allow withdrawal against uncollected funds even on the same day itself A system override will be displayed if the account involved is marked as Reg CC Applicable and withdrawn amount is greater than the Available Balance but less than or equal to Available Balance Uncollected Funds Reg D Applicable Select this check box if Regulation D withdrawal limits apply to this account Reg D Periodicity Select the periodicity with which the limits are considered You can select one of the following e Monthly ona ORACLE e According to the statement cycle primary statement cycle e No periodicity required Reg D Period Start Date and End Date The Start Date and End Date will be updated as per the Reg D Periodicity specified The start date for Regulation D applicability is first set to be the date on which you mark the availability option in this screen Subsequent to the first period the EOD process would update the start date according to the periodicity defined Subsequent to the first period the EOD process would update the end date according to the periodicity defined
51. account Credit Account The receiver will be obtained in the following way e The credit account specified as the DAO account would be picked as the receiver The offset account is credited along with the debit of remitter account e A DAO account needs to be maintained in the Teller gt Demand draft details for each bank branch currency combination e The related customer of the credit account thus obtained will be determined e The Swift address BIC code for the customer will be obtained from the customer address BIC directory MT 110 and MT 111 generated will not have any funding advice The fields 53A and 54A will not be populated for these messages The population of the tags of MT110 and MT111 will be as follows MT110 The receiver of MT110 will be the BIC for the customer corresponding to the Nostro a c of the Liquidation product s ARC setup 13 6 ORACLE Message Text Message Contents Transaction Reference Number 20 Contract Reference Number of the DD transaction Number of the Check 21 Instrument Number from the DD transaction Date the Check was issued 30 Instrument Date from DD transaction Currency and Amount of Check 32B Instrument Currency Instrument Amount Payee of the Check 59 Beneficiary Name M1111 The receiver of the MT111 will be the BIC for the customer corresponding to the Nostro a c of the liquidation product s ARC setup 13 1 6 1 Mapping between Common Payment Gateway Fields
52. account This processing produces details of the statement generation 3 6 2 Generation of Ad hoc Reports Balance reports for each account under an account class can be generated on an ad hoc basis The Ad Hoc report generation screen is used for capturing details of a balance report sent ad hoc oo ORACLE You can invoke this screen by selecting Messages in the application browser Hereafter select Detailed under Account Balance and Interim Report Alternatively you can invoke this screen by typing ACDADCRP in the upper right corner of the application toolbar and clicking the arrow adjacent it Adhoc Report Generation Balante Branch Code 000 Swift Message Type 941 l Account Generate Statement Branch Code The branch to which the account marked for balance report generation belongs is displayed you cannot change or modify this value Account Select the account which has been identified for generation of a balance statement from the option list The account balance of this account is generated as an outgoing statement Swift Message Type Select the type of message required to be sent As the message is a balance statement select MT941 MT942 Click on the Generate Statement to initiate the generation of balance statement for the account you have selected This process would pick up the entire debit and credit component accounts created since the issue of a previous MT941
53. adjoining arrow button amp Account Class Maintenance Account Class Start Date Description End Date Account Type Current v PXenetuieioricm Statement Parameters Escrow Details Account Code Provisioning Details ae _ Escrow Transfer Applicable Dormancy Days F Required T i Account Statement Format az Provisioning Frequency x REESS ea Transaction Code For Rever azl sal F Display IBAN in Advices Provision Currency Local _ Interpay Account Fl Dual Currency Deposit Exposure Category First Statement Block Days 0 Event Class Code C a NaturalGL Debit Credit Dormancy Parameters Any a Debit Interest Charge Liquidation Waiting Period iz EE _ Liquidate Using Receivable Debit Waiting Period in day s _ Verify Funds E Debit Notice O at eae 9 IRS Indicator for Tax Reporting Liquidation Days Advice Days IRS Indicator Liquidation Mode v O Free Period Branch Currency Restriction Customers Categories MIS Preferences REG Deposit Auto Deposit Status Rule Amt Block Statement Notice Redemption Details Maker Date Time Mod Number Record Status Applicable Customer Status Not Applicable v Charges oD Waiting Period in days Checker Date Time Authorization Status You need to maintain the following details Account Type You need to maintain two records
54. allowed on the account The system will remove the debit block placed on the account only on the BOD of the next working day after the expiry of the debit waiting period If required you can also remove this block manually by modifying the number of days of debit waiting period ete ORACLE Sron When some debit transactions occur during the waiting period the system will allow you to proceed only if you have checked the override waiting period checkbox OD Waiting Period in days System defaults this information from the account class screen However you can modify the same During the overdraft waiting period the account will be in No Overdraft status and overdraft on that account will not be allowed When some overdraft transactions occur during the waiting period the system will allow you to proceed only if you have checked the override waiting period checkbox Override Waiting Period Check this box to override the waiting period If some debits occur on debit waiting period or overdraft occurs during overdraft waiting period then system will throw an override and allows you to proceed Note the following The number of restriction days is irrespective of holidays and will go by the bank calendar Example Example 1 Holiday Processing for Account without Overdraft Account opening date 5th Jan 2006 Waiting period 7 days Holidays 7th and 12th Jan 2006 Account withdrawal date 5th Jan 7 days 12th
55. an authorization The various products selected against the various statuses should have maintenance in ARC except for statuses like Expired or Reissue 11 2 2 Maintaining Instrument Types for Outward Clearing Checks When you maintain instrument types for processing outward clearing Checks you need to ensure that e You have maintained the clearing products that would be used for processing the Registration INIT and Liquidation LIQD events e Inthe Demand Drafts Details screen you must associate the statuses used for registration and liquidation with the appropriate product codes Assume you have maintained the products CGOC Registration of Outward Clearing Checks and DDLQ Liquidation of Outward Clearing Checks You need to associate the status INIT Registration with the product CGOC and LIQD Liquidation with the product DDLQ e The Clearing Required option has not been enabled for the product maintained for the liquidation event 11 3 Maintaining Instrument Types for Other Banks For maintaining instruments types on behalf of other banks invoke the Banker Checks Demand Drafts Issuer Banks Details screen from the Application Browser 11 3 1 1 Entering the Details In this screen you can enter certain basic details of the instrument They are e The Bank Code and the description of the bank e The Currency in which the instrument is being issued e The instrument type e The DAO Draft Advice Outstanding
56. based on the following conditions e For Checks within a specified range of Checks numbers 8 4 ORACLE 8 3 e Fora single Check with a specified serial number e Fora single Check with a specified serial number and specific amount e For Checks within certain tolerance limit on amount Maintaining Stop Payment Order EFT ACH Direct Debit You can stop the Electronic Fund Transfer EFT and ACH debits for a specific company amount or from a specific originator using the Stop Payment Order EF T ACH Direct Debit screen You can invoke this screen by typing CSDSTREG in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Stop Payment Order EFT ACH Direct Debit Stop Payment Reference 000STCK0S2640004 Communication Mode Oral Order Type Stop Payment ACH direct debits Received Date C B Customer Number O0 H Confirmed Account Branch A Confirm Date C AccountNumber H Effective Date 5 Transaction Amount Exact match of amount M Expiry Date From Amount Status Active To Amount ee Remarks i CA Reference Agreement ID YY LAL STOPPAYORDDTLS C Reference Agreement ID Product Category Account Branch AccountNumber Customer Name CPAccount Tranzaction A Maker Date Time Mod Checker Date Time Record Status Authorization Status Specify the following fields Stop Payment Reference Number The system displays t
57. branch where the instrument is being issued from 11 3 ORACLE e The DAO account which will get credited for the instrument issued as per the currency and DAO branch e The parameters for the instruments issued by another bank gt The code for the branch issuing the instrument gt The description for the branch gt The DAO branch where the instrument is being issued from gt The DAO account which will get credited for the instrument issued as per the currency and DAO branch gt The payable limit for the instrument issued on behalf of another bank You can set a limit for each instrument type Any instrument of this type which has denomination above this limit will be rejected by the system 11 4 Entering Instruments Transactions You can initiate instruments transactions in the Instruments Transaction Query screen You can invoke the Instruments Transaction Query screen by typing DDDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Instruments Transaction Query TRANSACTION DETAILS CHARGES Instrument Type Issue Branch Instrument Number Instrument Date Instrument Currency Remitter Remitter Account Branch Reissue Remarks Process Status Payable Bank Payable Branch Demand Draft MICR No Instrument Amount Expiry Date SSN Exchange Rate Original Draft Number Discount Days Reissued draft number Reference Number L
58. can invoke the Advice Format Maintenance screen by typing MSDADVFT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You need to maintain two advice formats one for Savings accounts and the other for Nostro accounts viz ACST_ DETAILED and SWIFT respectively as shown below ACST DETAILED You need to maintain details as shown in the screen below te Advice Format Maintenance Format Lines 54 Language Columns 80 Form Type Import File Import Format Text Message Format CO Module Message Type Branch Currency Product Input By DOCS Date Time Modification Number Authorized By Date Time Format Text Specify the following format ORACLE RH SC _BANK NAME _ IF ASOFDT _ COPY AS OF _ASOFDT__ ENDIF _CUSTNAME _ Account Branch _BRNAME__ _ ADDRESSONE _ Branch Address _BRADDR1_ _ADDRESSTWO _ _ BRADDR2_ _ ADDRESSTHREE _ _ BRADDR3_ _ ADDRESSFOUR _ Cust ID CUSTNO_ Account No ACCOUNTNO_ Account Desc ACCOUNTDESC _ Account Class ACLASSNAME _ Account Currency _ACYNAME _ 9 4 ORACLE Statement From FROMDATE_ To EC IF OPENBALANCE _ Account Open Date OPENDATE __ _TODATE_ _A_OPENING BALANCE _DRCR_ _OPENBALANCE_ AVLBAL_ B ENDIF EH PH STATEMENT OF ACCOUNT ACCOUNTNO_ Statement From FROMDATE_ To _TODATE_ _Pg_ Trn Code Narrative REFEREN
59. closing balance of that account Total Balance The balance of account including the limit uncleared uncollected funds No of Returned Total number of Checks returned on the Checks account for that month Debit Interest Month END IC Debit interest liquidated for that account only will be considered Number of transactions which could not be completed owing to Insufficient 17 5 ORACLE Balance in the account for the month the month DB CHK RTD Number of Checks returned for the month Debit AVG Debit average for the month Days in Debit Number of days in debit for the month Monthly Debit Debit average for the month AVG Credit AVG Credit average CHG BLE TR Number of chargeable transactions for Days in Credit Number of days in Credit for the month Monthly Credit Monthly credit average AVG XOD AVG Excess overdraft average for the month DAYS XOD Number of days in excess overdraft for the month MNTH AV Excess overdraft average Number of times Number of times the account went into gone into overdraft for the month Overdraft o The balance is shown in terms of the account currency 17 5 Account statement Reports You can get the details of the account statement reports using Account Statement Reports screen 17 6 ORACLE You can invoke this screen by typing ACDOPTN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button amp Account Statem
60. depending on the number of leaves and the book number the system automatically generates the serial number for all the Check leaves associated with the book for a particular instrument type You can view these numbers and the status of the Check s in the Status of Check screen You are also allowed to change the status of a Check if a Check is cancelled You can settle a contract by associating an instrument type example Check s drawn on nostro accounts DDs MCKs etc with the settlement instruction Multiple deals can be settled with a single Check if the same counter party module and instrument type is associated with the settlement instructions for the deals Defining Instrument Types You can define the various instrument types with the relevant details in the Instrument Type Maintenance screen You can invoke the Instrument Type Maintenance screen by typing ISDINSMS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You can view the details of all the existing instrument types from the summary screen Instrument Type Maintenance Instrument Master Instrument Type Branch C FT Upload Account C LPAD Reqd Cheque Book No No Of Leaves Account Branch FT Details FT Upload Account FT Upload Product FT Account Branch Status Input By DOCS Date Time Modification Number ian Authorized Ok ance Authorized By Date Time v open
61. digit for the check to be passed else the check is rejected The check digit is the last digits of the check i e if check number is 1800 then check digit is 0 The mod 9 remainder of the check number should be equal to the check digit for the check to be passed if validation digit in customer accounts maintenance is 0 else the check is rejected Stale Days If you have specified a positive pay facility for the account you are maintaining then you have to indicate the number of stale days for the transaction If the date of processing happens after the specified stale date then the transaction gives an exception error You have to do an override for this exception Branch Click on the adjoining option list to choose from the list of branches maintained The positive pay parking account will be picked from this branch Into Click on the adjoining option list to choose the account into which funds have to be transferred on receipt of a positive pay instruction The accounts that satisfy the following conditions will be available in the list of Positive Pay Parking Account e Both accounts belong to the same customer e The currency of both the accounts is the same Deferred Reconciliation Enabling this check box indicates whether or not the Positive Pay account has the Deferred Reconciliation facility Deferred Reconciliation is the facility wherein a Positive pay Check which is free of any disparity is cleared by the bank even
62. eee 3 81 RACLE 3 3 MAINTAINING ACCOUNT STATEMENT CHARGE CODES c csccecceccceccecceceecccescecescescessecescascescecescascseses 3 84 3 4 GENERATING A COMBINED ACCOUNT STATEMENT ccccccceseccccesececescceeeescscesecseescsseuscssuesesseueeceseeeeees 3 85 3 4 1 Maintaining Combined Account Statement Parameters c e 3 86 3 5 VIEWING CUSTOMER ACCOUNT DETAILS ccccccccccccceeeccceesececeesececeesccceeeecsceecesseeeecseeeeecssueeesssueesesseeeseeees 3 89 3 6 BALANCE STATEMENT HANDOFF cccccsccccsecccsccccscccessccuscceuscssesessueccuscceuscssecssuscsseusceseneseueseuseseaeass 3 90 3 6 1 Assigning Balance Statement as JOB cccccccccccc ccc cece cece cece cece cc kc kkk kkk ELLE EEE ELLE EEE E EEE EE EEE EEEEEE ELLE EEE EEE EEE 3 9 3 6 2 GORE ONO Ad MOC TRC OVS assests secsatecrassectaias E A 3 9 3 6 3 Maintaining Notice Preferences for Withdrawal cccccccccccc ccc cece cece EERE EEE 3 93 3 6 4 WACOM DIAS DCIS cea crease E E ae 3 95 3 6 5 Generating Alert for Secure Overdraft Utilization cccccccccceee cette aaa aaa a a aaa aaa aaa eeees 3 96 3 7 MAINTAINING PREFERENCES FOR DOCUMENT DELIVERY MODE cccccceccsecccsscceceeecsessseeseescsessseeesees 3 99 3 7 1 Viewing the Document Delivery Mode Preferences ccccccccccccccccccc cece cece cece cece cece eee eee e eee e eee eee EEE eee 3 102 3 8 PROCESSING ESCROW SWEEPS cccccccccesececeeecceceseccccusececuusecseuecsecuecscsucecseuecssuuecs
63. for the current period in the Turnover Limit Maintenance screen you will not be able to save the account Refer the section Maintaining Turnover Limits in the chapter titled Maintaining Mandatory Information in this User Manual for details about the Turnover Limit Maintenance screen Account Class In Oracle FLEXCUBE you can classify the customer accounts of your bank into different groups Each group is referred to as an account class and is maintained in the Account Class Maintenance screen For each class you have to define certain common attributes applicable to all accounts in the particular class i ORACLE 3 1 2 While maintaining a specific account you have to identify the class to which the particular account belongs You can select the appropriate account class from the list of all the valid account classes maintained in the system Account classes that have surpassed their end date expired will not be displayed in the option list Refer the chapter Maintaining Mandatory Information in the Core Entities User Manual for details about maintaining account classes Old CIF The system displays the old CIF of the customer if it has changed due to a merger Otherwise this field will be blank Capturing Main Details Description Provide a brief and meaningful description of the account here This description also serves as the account s title and may specify the account such as joint mino
64. generate it automatically upon saving the record Branch Code The system displays the branch code eae ORACLE Customer No Specify a valid customer number for whom you wish to maintain a request for automatic consolidated statements The adjoining option list displays all valid customer numbers maintained in the system You can select the appropriate one Effective Date Specify the date on which the statement is requested Frequency Select the frequency of the statement requested from the adjoining drop down list The available options are e Monthly e Quarterly e Semi Annual e Annually Start Month Select the starting month of the requested statement from the adjoining drop down list The available options are e January e February e March e April e May e June e July e August e September e October e November e December Start On Specify which day of the month should the statement begin from 9 30 ORACLE Last Executed Date The system displays the date on which the statement request was last executed if any 9 3 8 1 Viewing Automatic Consolidated Statement Request Summary You can view a summary of automatic consolidated statement requests using the Automatic Consolidated Request Statement Summary screen You can invoke this screen by typing STSACRST in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Automatic Consolid
65. list displays all the valid customer account numbers maintained in the system You can select the appropriate one Customer ID System defaults the Customer ID from Account Number You cannot modify the same Customer Name System defaults the Customer name from Account Number You cannot modify the same Customer Type Select one of the following to indicate the customer type e Retail e Commercial Check Disposition Current Cycle Select one of the following check disposition values for the current cycle from the drop down list e R Return checks with statement e T Do not return checks e Image checks on the statement Default e S Return checks with statement serial sort Note the following e Ifyou select Il under check position additional data will be shown in the Check Image specification and Check Image Count drop down lists e On the other hand if you select R T and S values under check disposition the Check Image specification and Check Image Count drop down menus get disabled 3 100 ORACLE Check Disposition Next Cycle The value in the this field will be moved to the Current Cycle field during the BOD of the Statement Cycle Date and this field will have null values during the BOD of the Statement Cycle Date Example If the statement cycle date is 17th of every month and there is a change made in the check disposition next value field on the 25th of Au
66. not enabled Funding option will not be applicable If Funding is not selected accounting entries will not be passed for positive pay transactions You cannot enable both Deferred Reconciliation and Funding functionalities You have to choose between either of them for a particular account Mod 9 Validation Required You can enable Mod 9 Validation for positive pay accounts only Only if positive pay enabled then Mod 9 Validation will be active 3 20 ORACLE In the case of inward clearing of Positive Pay files if Modulo 9 is enabled for the product the system performs a Modulo 9 Validation on any new Check If the Check fails modulo 9 validations the system will display an error message on save In case of check replacement the Modulo 9 Validation is done for the new check number while in case of alphanumeric checks the system throws an error message if modulo 9 validation is checked When uploading a positive pay Check the system will perform a Modulo 9 Validation if Modulo 9 validation is enabled for the product If the validation fails this particular check will not be uploaded The same will be valid in case of Check Replacement while for alphanumeric checks system will skip the check and display an error Validation Digit Validation digit will be having values only 0 and 9 If validation digit is 9 then 9 mod 9 remainder for the check number Excluding the check digit should be equal to the check
67. not used for Charge Calculation 3 2 9 1 Account Statement for Closed Accounts Oracle Flexcube allows you to select closed accounts also for the generation of account statements based on the statement parameters set at account level in addition to the Open or active accounts during EOD The system generates the account statement though the account is closed provided the immediate statement after account closure has not been generated The system will not generate the account statement if the account is closed and the immediate account statement after closure has been generated Sron Account statement for a closed account is generated in the generation cycle immediately following its closure but not later oe ORACLE 3 2 9 2 Processing a Customer Account Statement Description of Overdue Recovered A new data store will be introduced to track the details of loan installment recovery and charge recovery details which will be populated as soon as any overdue loan installment or any overdue charge recovery has happened Following details will be captured in the new data store e Account no against which the recovery was done e The transaction reference number e The total amount that was recovered e Dr Cr indicator e The date of recovery e The original due date e The description of the recovery with original due Month and year On generating the statement the system will look into above data store and all those recoveries that ha
68. of the customer 17 10 ORACLE Opening Balance Transaction code Description Transaction reference Number Opening Date Previous Date Transaction Booking Date Transaction Amount Additional Information Debit Credit Indicator Closing Balance Available Balance Blocked Balance Uncollected Balance Number of Debits Number of Credits Total Debit Value Total Credit Value This is the opening balance of the customer This is the description of the transaction code This is the reference number of the account for which transaction details is being reported The opening date of the account Gives the date of the previous statement This is the transaction booking date This is the transaction amount Gives some additional information This indicates the nature of the transaction debit or credit This indicates the closing balance This indicate the available balance This indicates the blocked balance This indicates the uncollected balance Indicates the number of debit transactions Indicates the number of credit transactions Indicates the total debit value Indicates the total credit value 17 11 17 6 Significant Balance Change accounts Report This report will be generated to display the list of accounts with increase or decrease of the DDA balance in excess of the balance change parameter at product level It should be generated daily or ad hoc basis
69. of the Application tool bar and clicking on the adjoining arrow button Consolidated Amount Block Input Customer Number Customer Name Account Details Account Available Balance Amount Blocked Mo Debit Amount Details Expiry Date Remarks O Sequence No Amount Effective Date o Input By DOCS Date Time Modification Number Authorised Authorised By Date Time E open In this table you maintain all amount block details enforced for a customer account Any number of amount blocks can be enforced for an account The following information will be available in this screen e All the accounts maintained for the customer e The available balance in each account e Active amount blocks if any e Whether the account is marked for no debit Full Amount Block option is Checks c ORACLE 7 1 5 e The user defined fields UDFs associated with the Customer i e the UDFs mapped to the function id STDCIF e You can also do a query based on the UDFs In addition to viewing the amount block details for an account you can also define new blocks or modify the details pertaining to existing amount blocks if any You can also use this screen to mark the account for no debits You can specify the following for a new amount block e Amount for which the block has been enforced e Period for which this block should remain effective e Any remark applicable to this amount block It could be the purpose for w
70. of the post dated Check Product Code From the option list of product codes that you have created in the Product Definition screen specify the PDC product code that has to be used for the Check Remitter Account Number This is the account which has to be debited for clearing the Check Depending on the PDC type you will have to select the following values for the remitter account e If the PDC type is Own A c PDC the remitter account should be a valid customer account e If the PDC type is PDC issued by the bank the remitter account can either be a GL or Nostro account e Ifthe PDC type is External PDC the remitter account should be a valid GL my ORACLE Beneficiary Account Number This is the number of the account in favor of which the PDC is drawn If the customer draws a PDC on his account for depositing into another account held in your bank then you can enter the beneficiary account number here The beneficiary account can either be a valid customer account or a valid GL Amount and Currency From the option list select the currency in which the PDC is denominated Also specify the amount of the PDC Value Date Specify the date on which the PDC was deposited Account Number Specify the unique loan account number linked to the PDC The adjoining option list displays all valid account numbers maintained in the CL MO and LE modules in the system You can choose the appropriate one For th
71. on the next working day If you set the statement date to 31 then account statements will be generated on e The 31 for month with 31 days if 31st is a holiday on the next working day e The last working day for months lt 31 days For a fortnightly statement you could specify 1 and 15 For all other cycles account statement will be generated on the last day of that cycle Statement Start Date For details refer the Statement Cycle upon Account Opening section in this user manual Generate Stat Only On Movement You can indicate that an account statement should be generated for the customer s account only when there has been a movement of funds into the account or when funds have been transferred out of the account e ORACLE For instance let us assume that on the August 21 2001 you have set the account statement generation frequency as Daily for the account LIO20804 On September 5 2001 there has been no movement of funds in the particular account If you have opted for the Generate Only on Movement option the system will not generate a statement message for September 5 2001 If you choose not to enable this option account statements will be generated regardless of whether there has been a movement of funds or not Tertiary A c Statement This refers to the type of statement to be generated periodically by the system for this account You can specify whether you want a detailed or summary statement or if you do not wan
72. or online operations in the respective contract screens for the restricted transactions when you specify the customer account the system checks whether the account is restricted for the product that has been selected or the debit credit transaction type If so an override is sought when such contracts are saved Specifying Transaction Restriction Special Condition By default the restrictions maintained at the account class level will be displayed here When you define transaction code or product restriction attributes for an account itself rather than for the account class to which it belongs it is referred to as a Special Condition You can apply special conditions by selecting the option Special Condition Applicable at the account level If you opt to define special conditions for an account the restrictions defined for the Account Class to which the account belongs will NOT apply to this account If you wish to continue with the account class restrictions opt for Special Condition Not Applicable oe ORACLE 3 2 6 Restriction Type Specify the restriction type here The options available are e Allowed If you select this the products entered in the multi entry block will be allowed for that customer account e Disallowed If you select this option the products entered in the multi entry block will be disallowed Transaction Code Likewise you can maintain restrictions for transaction codes as well D
73. overdraft limit Examples of typical transactions which force an account to move into overdraft are Payment and Collections Funds Transfers Recurring Transfers or Clearing transactions Note that you should have checked the box Referral Required in the product preferences screen of the aforesaid modules and the Clearing product applicable to them The Referral Required option is defaulted from the account class linked to the account You can change it for a specific account If an account is marked for referral the details of transactions resulting in the account moving into Overdraft will be sent to the referral queue Note that charge fee or interest debited to the customer account will not be referred to the Referral Queue You can view referral transactions in the Referral Queue Summary screen For further details on Referrals refer to the Processing Referrals in Oracle FLEXCUBE chapter of the Core Entities User Manual APY Required The system displays the option chosen for the account class for this account If this option is checked the system will display the APY annual percentage yield for each product in the detailed statements for the account You cannot change this option oy ORACLE Replicate Customer Signature The signature of the customer gets defaulted from the account class level to account level This value is defaulted only if the customer type is individual with single mode of operation Salary Acc
74. reconciled or unreconciled can be retrieved if needed An EOD batch function will purge all reconciled Checks as part of the clearing batch process During the upload process validation is done against all the positive pay the deferred reconciliation flags combinations and all Unreconciled Positive Pay Instructions are marked as Reconciled and liquidated Deferred reconciliation will be overridden by a stop payment instruction if any An error message or an override will be shown if a Check that comes in for clearing has a stop pay instruction against it but has no positive pay instruction 3 1 10 2 Capturing Provisioning Details An account inherits the provisioning parameters defined for the account class it uses You can change the defaulted parameters and make the following specifications as required in the Provision Details section of the Customer Account Maintenance screen You can invoke the Provision Percentages screen by clicking on the Provisioning Percentage button in the Provisioning Details section of the Customer Account Maintenance screen Auto Provisioning Required You can indicate whether provisioning is applicable for the account If you indicate so the provisioning batch when executed picks up the account for provisioning ee ORACLE Exposure Category If the logic for deriving the exposure category of the CIF or customer group to which the customer belongs based on the total exposure has bee
75. searen mr e EE M a Authorization Status Record Status Transaction Reference Number Sector Code External Reference Number Of Entries Product Coc x Authorization Status r Record Status 4 Authorized C Closed U Unauthorized Open Here you can query on post dated Checks transaction details based on any one or all of the following criteria e Authorization Status e Transaction Reference Number e Record Status e Account Number Account Number Specify the unique account number that should be queried The adjoining option list displays all valid account numbers of the CL MO and LE maintained in the system You can choose the appropriate one Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Transaction Reference Number e Sector Code e External Reference e Number of Entries e Product Code 10 21 ORACLE Branch Code Remitter Account Number Beneficiary Account Number Instrument Number Currency Issuer Bank Issuer Branch Charge Branch Charge Account Number Charge Currency Account Number Remarks 10 1 9 Processing of PDCs that you have entered Oracle FLEXCUBE initiates unprocessed PDCs as per product definition on authorization The status for the PDCs is set to Initiated and contingent entries are passed 10 1 10 Liquidation of P
76. special conditions is displayed in this field Product You must identify the consolidated charge product using which the applicable charges would be consolidated The charges would be consolidated in the currency defined for the selected consolidated charge product and this currency is displayed on the screen When you opt for a consolidated charge product all the consolidated charge parameters defined for the selected product are defaulted to the account for which the product has been linked You can change the default in respect of the following parameters e Minimum and maximum charge e Discount percentage and discount amount Currency The charges would be consolidated in the currency defined for the selected consolidated charge product and this currency is displayed on the screen Minimum You must indicate the minimum charge that can be applied for the account Maximum You must indicate the maximum charge that can be applied for the account Open By default each charge consolidation charge setup that you set up is enabled and active You can also disable the setup by checking the Open box sai ORACLE Waive Charges You can choose to waive consolidated charges for an account Discount Amount In this field you can indicate the flat discount amount if any which would be applicable for the consolidated charge calculated for the account After the discounting has been applied the Maximum and Minimum validations are
77. the aforesaid rate code you need to maintain rates and effective dates in the Interest and Charges Rate Input screen You can invoke the Interest and Charges Rate Input screen by typing ICDRATES in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Interest amp Charges Rate Input Branch Code Currency Code Rate Code Rates CI Effective Date Input By DOCS Date Time Modification Number Authorized i Cancel Authorized By Date Time iv Open These rates are picked up by the CASA module while processing interest applicable on a Savings Checking Refer the chapter Floating Rate Codes for IC Module for details about rate maintenance 18 26 ORACLE ORACLE Current and Savings Account March 2011 Version 1 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_ services Copyright 2010 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care h
78. the limit threshold the system will display an override message ee ORACLE 3 1 8 4 Viewing Turnover Amounts In the Customer Account Turnover Amounts screen you can view the total turnover of this customer account from the first date of this month to the current day s system date Also you can view the accumulated interest associated with debit or credit transactions after the last liquidation To view the turnovers for the account click the Turnover button The Customer Accounts Turnover Amounts screen is displayed 2 Turnover MTD A C Currency MTD LCY 64 010 00 64 010 00 1 304 000 00 1 304 000 00 After maintaining the required details you can return to the Amounts and dates screen 3 1 9 Viewing Exceptions of a Customer Account The system creates exceptions for customer accounts upon recognizing errors These exceptions are propagated to the account statement extract during the primary account statement generation You can view the accounts which have exceptions in the Exception Details screen Click Exception button in the Customer Accounts Maintenance screen 3 17 ORACLE Alternatively you can also invoke the Exception Details screen by typing STDCUEXP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Exception Code Maintenance Account Number CO SNO Statement Date Exception Type Exception Code The Exception Detai
79. the remarks if any Once you have entered the details and save the records the following details will be displayed based on the order type selected You can only view it e Reference Agreement ID e Product Category e Account Branch e Account Number e Customer Name e CP Account e Transaction Amount While revoking the authorization the confirmation date and the expiry date will be the same The payment instruction end date will be updated as effective date of revoke payment order and the payment will be stopped If revoke authorization of payment is confirmed before expiry date the expiry date will be updated to minimum end date of the payment instructions and there will be no payments executed further Otherwise an EOD batch program will update the end date of the payment instruction to null 8 4 Viewing Stop Payment Order EFT ACH Direct Debit Details You can view the stop payment order for EFT and Ach direct debit details in the Stop Payment Order EFT ACH Direct Debit Summary screen To invoke this screen type CSSSTREG in the field at the top right corner of the Application tool bar and click on the adjoining arrow button 8 8 ORACLE Stop Payment Order EFT ACH Direct Debit Summary Authorization Status Record Status Stop Payment Reference Order Type Customer Number Account Branch Account Number Transaction Amount From Amount To Amount Reference Agreement ID Communication Mode Received Date Fi Confirmed
80. without any financial loss e Interest basis This is based on IC product Actual 365 30Euro etc e Penalty applicable If Partial redemption happens in the deposit then this tag in the statement would identify whether penalty was collected on that or not e Penalty Value This tag displays the penalty value collected e Interest Rate This tag displays the rate at which interest is calculated for TD e Floating Rate code This tag displays the floating rate code used along with UDE in interest rate calculation This will be for the latest effective date e Charge amounts computed on the account Under this tag charge amount collected from the TD Account would be mentioned e Maturity date of deposit This tag displays the date on which TD will get matured For details on advice generation please refer the chapter titled Maintaining Advice Formats in the MS user manual under CORE module 9 3 2 Term Deposit Rate Change Advice Format The System needs to generate interest rate change advices for Term Deposits when the interest rate changes as part of EOD This advice is to be generated to intimate the customer of the rate change a month in advance System generates this advice only for those term deposit accounts for the EOD branch for which Generate UDE change advice option is checked at term deposit account booking level 9 11 ORACLE You can use the following format in generating term deposit interest rate change advi
81. you have made in the Customer Account Class screen will be defaulted here However you can choose to change your preference to generate or suppress these Advices Interest Start Date For the account for which you are defining special conditions you must specify the date from which you would like to apply interest Interest for this account will be calculated according to the special conditions that you define subsequently Charge Start Date For the account for which you are defining special conditions you must specify the date from which you would like to apply charges Charges for this account will be calculated according to the special conditions that you define subsequently eee ORACLE By default charges on an account would be applied when the free banking period if any elapses This means that the Charge Start Date is arrived at by the System by adding the Free Banking Period days if any specified for the account class used by the account to the Account Opening Date If no Free Period has been indicated for the account class used by the account the Charge Start Date is defaulted to the Account Opening Date that is charges on the account would be applied right from the account opening date and displayed in the Special Conditions Maintenance screen You can override the default Charge Start Date and specify the desired start date for charge application Product To calculate interest for an account you must apply an inter
82. you need to maintain the following expression FORMULA1 gt 0 AND FORMULA1 lt MON_AVG_BAL TRUNC FORMULA1 TAX3 100 18 2 7 Dormancy Charge Specify the following details On Account Opening Month Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e AC DORMANCY DAYS e AC DORMANT UDE Maintain the following UDEs e DORM CH PER DAY1 e DORM CH PER DAY2 Type For each of the UDEs select the option Amount from the adjoining drop down list Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list 18 3 Click Formulas button and invoke the Formulas screen You need to maintain one booked formula Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select Actuals from the adjoining drop down list Accrual Required Leave this box unchecked Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions AC_DORMANT 1 AND AC_DORMANCY_DAYS DORM_CH PER DAY AC_DORMANCY_DAYS gt
83. 0 as it falls within the first 10 days of account opening date Check the 1st Statement generation date for above example the 1st Statement generation date should be 3rd Sep 2010 Example 2 Customer ID 12345678 a ORACLE Name Mr XYZ First Statement block days 10 Statement Cycle Daily Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 26th July 2010 In the above example the 1st Statement Generation date should be 4th Aug 2010 instead of 26th July 2010 as it falls within the first 10 days of account opening date Example 3 Customer ID 12345678 Name Mr XYZ First Statement block days 10 Statement Cycle Weekly Statement Cycle On Thursday Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 29th July 2010 In the above example the 1st Statement Generation date should be 5th Aug 2010 instead of 29th July 2010 as it falls within the first 10 days of account opening date Example 4 Customer ID 12345678 Name Mr XYZ First Statement block days 10 Statement Cycle Quarterly Statement Cycle On August Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 31st Aug 2010 In the above example the 1st Statement Generation date should be 31st Aug 2010 as it falls after the First Cycle block days Example 5 Customer ID 12345678 Name Mr XYZ ee ORACLE First Statement block days 10 Statement Cycle Semi annually Statement Cycle O
84. 1 11 Instrument Details Introduction Instrument transactions entered through an Oracle FLEXCUBE branch are stored in the host Oracle FLEXCUBE database through the Instrument details screen The Instruments module of Oracle FLEXCUBE provides for the maintenance of appropriate reference information which would enable entry of instrument transactions from an Oracle FLEXCUBE and also enable you to view and enrich transactions that have been entered through a Branch The accounting and charges details for combinations of product customer branch and currency that will be applicable for instruments transactions must be maintained in the host Oracle FLEXCUBE installation through the ARC Maintenance Maintaining the Details of the Instrument As part of the instrument type maintenance you have to maintain a list of currencies branches and DAO GL for an instrument type 11 1 ORACLE You can invoke the Instrument Product Maintenance screen by typing DDDPRMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Instrument Product Maintenance Instrument Type Description Preferences Expiry Frequency C Auto Authorize C Allow online Auth Instr Liquidation requires Issue Product Status F Status Product Code Message Type DAO Account CI Currency DAO Branch DAO Account Payable Limit Legends C Clearing Required P Print on
85. 1 2 Capu ino Main DATS aisanana a a i ean ie 3 4 3 1 3 Viewino ICU TSE Doi onina a aaa aaia 3 8 3 1 4 Indicating Other DONS sca depts da ta Nan destin de EE ER T oan aaaieianast 3 9 3 1 5 Specifying Waiting Period for First Debit and OD Transaction o on 3 10 3 1 6 Specifying Turnover Limit Preference ccccccccccccssscccsssccccceesecceecesseecceeaeeaaeaaaeaeaaaaeaaeaeaaaaeaaeaeaaaaeaaas 3 12 Fd Spec Ving Account T ACOR erraia ENEE EE E E EEEE E E EEEE 3 12 3 1 8 Viewing Details of Amounts and DateS oooeeeeeeeeeennennnesenensssessssssssssssessesesseneeseerereeseeeseeeeeeereeeene 3 14 3 1 9 Viewing Exceptions Of a Customer Account saanannnaonnnnnoneeeseennnsneesessesessenennnnnrnennneneeeeeeeeeeeene 217 Sel COV AO DAD S enee a E taeda seahorse iiaasaesaso taeda seach eta sees 3 19 3L SPECI VIN 1e Bence Vy Delden eE a EE edie echt A 3 27 Slt CCI VIN e CNC IIS DEA S e e a E E E E EE 3 28 3A Capumine Addilional DI CLAUS sta szchorasxtcnazaenactialinaatasdaagsieiainaansiasnislentedeulsaieianaiaiadseieniethedintasessate 3 29 Dedede GSP CCU VIN INTC CST TICES si stance shaias e e e er ea E AE leet 3 31 Dclel DS SPECI ne Charee DI CLAUS scsi siteszsrevnsc enen en eE E een e E aaa elu a 3 39 3 1 16 Specifying Consolidated Charge Details 0000000000000000nnnnnnnnnnnneennnnsnnnnsesnnnsnnnnnnnnnnnnsnsrsenesenneeeseene 3 40 F CC TC T re scree E E E oes 3 42 3 1 18 Specifying Account Operating Instruction Details ccccccc
86. 13 1 ORACLE You need to maintain the following details for an instrument type Instrument Type Specify a name for the instrument type that you are defining There will a list of values for the instrument type that will show all the instrument types from the DD status maintenance screen Instrument number is picked from the Instrument type level Branch Code Indicate the name of the branch to which the Check book is issued All the branches maintained in Oracle FLEXCUBE are displayed in an option list Select the branch code from the option list Account No This is the nostro account maintained with other banks If this Account is involved in a deal settlement the type of instrument associated with the account will be defaulted in the Instrument Type field of the Settlement Message Details screen invoked from the Contract Online screen of a front end module You can associate a settlement account with one instrument type only The branch in which the nostro account resides is defaulted on selection of the account number If you select a GL the current branch is defaulted No of Leaves Specify the total number of Check leaves in the Check Book you are defining Check Book No This is the number of the Check Book maintained for the Instrument Type These numbers will be unique for a specific branch and instrument type Lpad Required The user has an option to specify whether the instrument numbers have to be l
87. 2 17 1 Specifying Interim Transactions Report Generate Message Check this box to indicate that the periodic interim statement MT942 generation is required for the account This will be defaulted from Account Class Maintenance screen However you can modify it The Consolidated Statement and Generate Message are mutually restricted Generate Message Only on Movement Check this box to indicate that the interim statement generation is required only if additional entries have been posted subsequent to the previous interim statement generation This will be defaulted from Account Class screen however you can modify it Report Transaction Since This section lists all the transactions of the interim account statement which are supposed to be reported This will be defaulted from Account Class screen however you can modify it You can choose the appropriate values applicable e Previous MT942 This indicates that all transactions posted and authorized since previous MT942 would be sent in the current interim statement e Previous MT940 This indicates that all transactions posted and authorized since previous MT940 will be sent in the current interim statement If this option is selected you will have to specify the cycle of account statement to be considered ORACLE Minimum Debit Amount Specify the minimum transaction amount for the debit transaction to be eligible for reporting in the interim statem
88. 5 AVSLAMT4 AVSLAMT3 CHGAMT3 CHGAMT2 CHGAMT 1 AVSLAMT2 CHGAMT4 CHGAMT3 CHGAMT2 AVSLAMT 1 TAX3 CHGAMT5 CHGAMT4 CHGAMT3 CHGAMT2 CHGAMT 1 TAX3 CHGAMT5 CHGAMT4 AVSLAMT5 AVSLAMT 1 TAX3 CHGAMT5 AVSLAMT4 AVSLAMT3 AVSLAMT2 CHGAMT2 CHGAMT 1 CHGAMT4 CHGAMT3 AVSLAMT5 AVSLAMT2 AVSLAMT 1 AVSLAMT4 AVSLAMT3 CHGAMT5 AVSLAMT4 AVSLAMT3 CHGAMT 1 18 24 ORACLE e AVSLAMT5 e AVSLAMT2 e AVSLAMT1 TAX3 e DORM CH PER DAY2 e DORM CH PER DAY2 e DORM CH PER DAY e DORM CH PER DAY e DORM CH PER DAY e DORM CH PER DAY2 e DORM CH PER DAY2 e DORM CH PER DAY e DORM CH PER DAY e DORM CH PER DAY2 e DORM CH PER DAY2 e DORM CH PER DAY e DORM CH PER DAY2 e DORM CH PER DAY e DORM CH PER DAY e DORM CH PER DAY2 18 4 IC Rates Maintenance You can maintain rate codes for branches using the Interest and Charges Branch Availability Maintenance screen You can invoke this screen by typing ICDRESTR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Interest amp Charges Branch Availability Maintenance Rate Code Branch Restrictions Allow Disallow Branch Specific Rates CI Branch Code Description Input By DOCS Date Time Modification Number WB authorized Authorized By Date Time v open You need to maintain the following rate code for all branches of your bank 18 25 ORACLE e FLOATRATE For
89. AL M o YEAR UDE Maintain the following UDEs User Defined Elements Type NORMAL_RATE2 Rate NORMAL_RATE User Defined Elements Type NORMAL_RATE3 Rate NORMAL_RATE4 AMOUNT2 Amount AMOUNTS Amount Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen You need to maintain two booked formulae Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Credit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions VD_DLY_CR_BAL_M NORMAL_RATE1 DA VD_DLY_CR_BAL_M NORMAL YS YEAR 100 _RATE1 DAYS YEAR 100 VD_DLY_CR_BAL_M gt AMOUNT2 VD_DLY_CR_BAL_M NORMAL _RATE3 DAYS YEAR 1 00 Formula 2 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Debit
90. Address Media O0 B a A isses a Location ae Test Keyword as Country sd DelveryBy sid ag Answerback lt 1 Send by E Mail Add Hold Mail Text _ Generate Address Change Advice Date Range ares Address e From Day From Month To Day To Month aws Sd oaj em aj a fian a wooo i Country Name 50F Party Details Mail Code Details Linet e EE Ling Mail Code Description Line3 StatementDate B Line4 Communication O f Line5 w Message Type Module x Branch Number of Copies Format D aD OFAC Check Maker Date Time hod Number Checker Date Time Record Status Authorization Status Here you need to maintain three records with the Trn details St ne Boe posue nae ae ACST_DETAILED ACST DETAILED 2 jal Jac ACST_DETAILED2 ACST_DETAILED DETAILED ee ORACLE Srne sone e eine rora ALL ACST_DETAILED3 ACST_DETAILED For further details refer the chapter titled Maintaining Addresses for Customer in the Messaging System User Manual 9 3 6 Maintaining Statement Generation Preference You can have the statement generation happen automatically as part of the automated End Of Day cycle using the Batch EOD Function Input screen You can invoke this screen by typing BADEODFN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Batch EOD Function Inputs Batch End Of Day Functio
91. BL_TXNTANKED Reissued User Reference Number Beneficiary Additional Identifier Details Name Address Country Narrative MIS Clearing Accounting Entries Input By Date Time Authorized By Date Time Contract Status In this screen the following details get specified for each instrument transaction that you initiate or gets initiated e The type of the instrument that the system will use for processing the transaction ee ORACLE The status of the instrument This is defaulted to Active on entering a fresh contract The status of an Active authorized contract can be changed to Cancelled Refunded Lost Stopped only by unlocking and modifying the record The status of a Lost contract can be changed to Re issue Apart from these you cannot reverse a Status The status of a contract can change to any one of the multiple options provided including Expired Liquidated from the same screen and Reissue through use of the Copy option in the toolbar menu gt Reinstate Status A draft can be moved into the Reinstate status only from the Stop status This status is same as Init minus the accounting entries associated with Init A draft in stop status can be marked as Reinstated or Refunded or Re issued A draft in reinstated status cannot move directly to refund or re issue status It has to go through a STOP status like Init A Reinstated draft can be changed to the following statuses gt Cancelled gt Refund gt
92. Branch Code Deposit Turn Ower Ratio From Date To Date No of Consecutive Days You can enter the following details Branch Code Specify the branch code for transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one Deposit Turnover Ratio The system displays the deposit turn over ratio which is less than 3 However you can modify it nen ORACLE From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation No of Consecutive Days Specify the number of days for which the transactions need to be considered for report generation The generated report will contain the following elements Field Name T Field Description Account No STTM_CUST_ACCOUNT CUST_ DDA Account Number AC_NO Account STTM CUSTOMER FULL_NAM_ Name of account holder Name E name Account STTM ACCOUNT CLASS AC C Checker User Name Type LASS_TYPE Officer AUTH_ID Value date of TD account Current STTM CUST ACCOUNT ACY_C Account Current DDA URR_BALANCE Balance Balance Aggregate 7 Sum of LCY_AMOUNT for last 7 Sum of credit for last 7 day Credits days where DRCR_IND D days Amount Aggregate 7 Sum of LCY_AMOUNT for last 7 Sum of debit for last 7 day Debits days where DRCR_IND C days Amount Unavailable If ACY CURR _BALANCE is zer
93. CE Closing Balance EH B LOOP IF _TRNCODEDESC_ Book Date Value Date 9 5 _B_ AVAILABLE BALANCE PAGE Withdrawal _A__TRNCODEDESC_ _TRNREFNO_ CRAMOUNT _BALAFTERTXN DUMMY ENDIF IF _ADDLINFO_ A ADDLINFO_ _DUMMY_ ENDIF ENDLOOP EB _A_Totals A No of DEBITS CLOSING BALANCE _DRC_ _AVLBALANCE_ _B_ _CLOSEBALANCE _ IF UNCOLBALANCE _ UNCOLLECTED BALANCE _BLOCKEDBALANCE_ _B_ _UNCOLBALANCE _ ENDIF _A__ADVINFOBR_ _A__ADVINFOACLS _ 9 6 _BDT_ _VALDATE_ _DRAMOUNT_ _CREDITVALUE_ _A_ _ND_ AND CREDITS NC B _B_ AVAILABLE BALANCE _B_ BLOCKED BALANCE UNAUTH ENTRY R REVERSAL End Of Statement HEF 9 3 1 1 Term Deposit Account Statement Format You can use the following format in generating Term Deposit Advice RH SC _BANK NAME _ IF ASOFDT_ COPY AS OF ASOFDT_ ENDIF _CUSTNAME _ Account Branch _BRNAME__ _ ADDRESSONE _ Branch Address _BRADDR1_ _ADDRESSTWO _ _ BRADDR2_ _ADDRESSTHREE _ _ BRADDR3 _ _ADDRESSFOUR _ Cust ID gt CUSTNO_ 9 7 ORACLE Account No ACCOUNTNO_ Account Desc ACCOUNTDESC _ Account Class ACLASSNAME __ Account Currency _ACYNAME _ Statement From FROMDATE_ To _TODATE_ EC IF OPENBALANCE _ Account Open Date OPENDATE __ _A_OPENING BALANCE _DRCR_ _OPENBALANCE_ AVLBAL_ B ENDIF SC Term Deposit Details IF ACLASSNAME _ Grace Period GRACEPERIOD _ Interest basis
94. CUBE You need to assign its frequency in hours This process is initiated for all accounts requiring a balance account statement As discussed previously the time for generation of the statement is determined and specified In case of no subsequent transactions reports the statement is not generated oe ORACLE 3 6 1 Assigning Balance Statement as Job The balance statement can be facilitated to run as part of a scheduled job as part of the Oracle jobs initiated during processing The Jobs Browser screen of the application provides you the facility to run the balance statement as a synchronized task subject to specified time intervals in hours Invoke the Jobs Browser screen from the application typing CSSJOBBR in the field at the top right corner of the Application tool bar and click on the adjoining arrow button Jobs Browser Job tHodule bea Process az Status oeren aavanced sean nan E E JobModule Process Process Sequence Number Status gt Status M Stopped T Running H Halted Select the option Generate Balance Report from the Process option list All associated accounts of the particular branch that have been marked for generation of balance statements are procured by Oracle FLEXCUBE The debit and credit accounts considered since the previous issue of an MT941 MT942 are picked up for the current processing The previous messages are based on the parameters maintained for each
95. Check e Date on which the Check was presented for encashment To modify a status detail select Modify from the Actions Menu in the Application toolbar or click unlock icon Make the desired changes Remember the following points while modifying e A used status cannot be changed e A stop status Check cannot be changed e Not used status can be changed to rejected canceled e A Canceled status cannot be changed a ORACLE e Rejected status can be changed to used A Check may have passed through a series of status changes The modification number moves up serially each time you change the status of a Check To view the status click the arrow button under Modification Number This arrow will take you through the modifications To view the modification history of a Check click History button to display the Check Details History table This table lists in a tabular form each successive modification detail that this Check has undergone The amount for which the Check was issued the presentation date and the value date of the Check are also displayed The serial number represents the modification number To exit from the Check Details History table click Exit or Cancel button If you have invoked the table from the Application Browser you would be returned to the Browser If you have invoked this table from the Check Status screen you would be returned to the Check S
96. Check Printing explains how codes for different instrument types are maintained Chapter 14 Glossary gives a list of important terms used in the manual Chapter 15 Reports gives the list of reports that can be generated for this module in Oracle FLEXCUBE Chapter 16 Annexure A details format of PD PDC CAN message Chapter 17 Annexure B Accounting Entries gives the event wise accounting entries for CASA module Chapter 18 Annexure C IC Rule Set up gives the IC rule set up for CASA module 1 1 3 Related Documents e The Procedures User Manual e The Settlements User Manual 1 2 ORACLE 1 1 4 Glossary of Icons This User Manual may refer to all or some of the following icons att B foe e em E Roll over Hold Authorize Liquidate z T Sign off Help Delete row ORACLE Confirm e9 Enter Query Fal Execute Query Refer the Procedures User Manual for further details about the icons 1 4 ORACLE 2 1 2 CASA An Overview Introduction Current Account and Savings Account commonly referred to as Savings Checking is one of the modular sub systems in the Oracle FLEXCUBE system Through this system your bank can execute the following functions e Create a customer account e Capture details of a Check book issued to a customer e For each Check book the details of which you have maintained the system generates a status matrix This matrix stores the s
97. Code az Single Account All Accounts Account Number Eg Date Range From Date To Date Specify the following fields Branch Account Details Branch Code Specify the branch code of the bank which was instructed to stop payment The adjoining option list displays a list of branch codes maintained in the system Choose the appropriate one Single Account All Accounts Indicate the type of account for which you want to generate the report You can select from the following options e Single Account if you want to generate report for a single account e All Accounts if you want to generate report for all accounts Account Number Specify the account number The adjoining option list displays a list of account numbers maintained in the system Choose the appropriate one Date Range Specify the date range for report generation From Date Indicate the start date from which records should be considered for report generation using the adjoining calendar 17 21 ORACLE To Date Indicate the end date until which records should be considered for report generation using the adjoining calendar The report consists of the following information Account Number Account Type Hold Amount Hit or Suspect Stop Effective Date Stop Expiry Date Transaction Amount Amount Low Range Amount High Range Stop Pay Ref No 17 22 ORACLE 18 1 Introduction 18 Annexure A This section details forma
98. Current and Savings Account Version 1 0 9NT1438 ORACLE FCUBS V UM 11 1 US 1 0 0 0 March 2011 Oracle Part Number E51715 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG re Created on October 01 2008 Revision Number Final ee Updated by Documentation Team Reviewed by Approved by Software Quality Development Testing teams Assurance Team Updated on March 18 2011 Reviewed on March 18 2011 Approved on March 18 2011 Current and Savings Account 1 Table of Contents ABOUT THIS MANUA a scssssarecsciveccelonssacctessecossauasssaccccocssiacistcsteateconssstudonsessiscaslacaeseshausovessesGedosscaanausiastuessssiay 1 1 1 1 MIN TROD O N e E E E E EA S E E E EA E omen E E EA E E E l 1 1 1 1 A O E E AA A E l 1 1 1 2 U ELE 116 r E E EA E EA E E E E E E oo Te nr ee rere ree l 1 1 1 3 Pelar d DOCENS eiai A E E E E E E l 2 1 1 4 Conr L O e E E E 1 3 CASA AIN OVERVIEW ecesna E E R E 2 1 Ze TINT BOC OI apne orescence nace S AA O date aad EA teas N cance nad E A A NT 2 1 2da MA T a EAE A E O EEEE A N AT EA E A E EE 2 2 Dodo IVA CI OTT UIC OVO T ENI EE A E cdc aan E T E A E aa actenn T 2 2 MAINTAINING CUSTOMER ACCOUNTS siscssscsississsctsceccnsserisssedsnacoasssssnoscsccssssstaasedoesssseientocaetesecssnsseteonss 3 1 3 1 IROD CON enpera E E E 3 1 3 1 1 Invoking Customer Accounts SCreen eeeeeennnnnnnnnnnnnnrrrrrirrirrririririrrriirirrirrririrrisrssressesrrsrsrsssssess 3 2 3
99. DCs PDCs that have reached or are past their activation date are liquidated as part of beginning of day batch process in Oracle FLEXCUBE For PDCs with Initiated status the system performs the following actions on liquidation Reverse contingent entries if any were passed Update status to Liquidated Log the instrument with Clearing if necessary Call Accounts Rates Charge ARC upload to create a Check deposit transaction as per the ARC product set up for the PDC Failed transactions are logged as exceptions An active PDC can also be manually liquidated on or after its activation date To manually liquidate a PDC select Liquidate from the Actions menu in the Application toolbar or click liquidate icon 10 1 11 Cancellation and Reversal of PDCs An active PDC can be cancelled before liquidation To cancel the PDC click Reverse button in the PDC contract screen On cancellation the accounting entries you defined for the CANL event are passed 10 22 ORACLE After the PDC has been liquidated you also have the option to reverse it by selecting Reverse from the Actions menu in the Application toolbar or clicking reverse icon All accounting entries passed for the PDC will be reversed Oracle FLEXCUBE cancels the outstanding PDCs that are linked to loan after the prepayment of the loan If you want to cancel the PDC after the partial prepayment you will have to cancel manually through the Post Dated Check Tran
100. DIN and the documentation identification date DIN date which is required for printing check on statement 3 1 Viewing the Document Delivery Mode Preferences You can view a summary of all document delivery mode preferences for all customer accounts in the system using the Document Delivery Mode Summary screen You can invoke this screen by typing STSACDOC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Document Delivery Mode Summary Authorization Stalius Record Staius E 7 al m Bcopunt Number z Customer D Customer Type _ amp Search Advanced Search Reset Records per page 15 i E i ce Authorization siaius Record Status Branch Code Account Number Customer D Cusiomer iype Check Deposmon Current Cycie You can query on records based on any one or all of the following criteria e Authorization Status e Account Number e Customer Type 3 102 ORACLE 3 8 e Record Status e Customer ID Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Branch Code e Account Number e Customer ID e Customer Type e Check Disposition Current Cycle Processing Escrow Sweeps Escrow Sweep is a process in which the system automatically transfers a predefined percentage of amount that is credited
101. E1 Rate NORMAL_RATE2 Rate NORMAL_RATE3 Rate NORMAL_RATE4 Rate AMOUNT1 Amount AMOUNT2 Amount AMOUNTS3 Amount TAX1 Rate Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen You need to maintain two booked formulae and one tax formula Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Credit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions VD_DLY_CR_BAL_M gt 0 VD_DLY_CR_BAL_M NORMAL_RATE1 DAYS AND VD_DLY_CR_BAL_M lt YEAR 100 AMOUNT2 VD_DLY_CR BAL M gt VD_DLY_CR_BAL_M NORMAL_RATE3 DAYS AMOUNT2 YEAR 100 Formula 2 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actua
102. EREST DORM ACQUIRED 1 FORMULA 1 DORM PNL_AD J 1 DORM PNL ADJ FORMULA 1 DORM INCOME EXPENSE A C DORM PNL 1 FORMULA 1 IBSR ACCR 1 IBSR ACCRUAL A C FORMULA 1 IBSR ACCR 2 IBSR ACCRUAL A C FORMULA 2 IBSR ACQUIRED INTEREST IBSR ACQUIRED 1 FORMULA 1 resracouncos FORREST IBSR ACQUIRED 2 FORMULA 2 IBSR INCOME EXPENSE A C IBSR PNL 1 FORMULA 1 smua ERROTA IBSR PNL 2 FORMULA 2 IOCC ACQUIRED INTEREST IOCC ACQUIRED 1 FORMULA 1 occacoureoa BRAR ONET IOCC ACQUIRED 2 FORMULA 2 IOCC INCOME EXPENSE A C IOCC PNL 1 FORMULA 1 IOCC INCOME EXPENSE A C IOCC PNL 2 FORMULA 2 IOCC TPBL_ADJ 3 IOCC TAX PAY ADJ A C FORMULA 3 _ ORACLE IOCM ACQUIRED INTEREST lOCM ACQUIRED 1 FORMULA 1 IOCM ACQUIRED INTEREST lIOCM ACQUIRED 2 FORMULA 2 IOCM INCOME EXPENSE A C IOCM PNL 1 FORMULA 1 IOCM INCOME EXPENSE A C IOCM PNL 2 FORMULA 2 IOCP ACCR 1 IOCP ACCRUAL A C FORMULA 1 IOCP ACCR 3 IOCP ACCRUAL A C FORMULA 3 IOCP ACQUIRED INTEREST IOCP ACQUIRED 1 FORMULA 1 oopacouneno RAREN IOCP ACQUIRED 3 FORMULA 3 IOCP INCOME EXPENSE A C IOCP PNL 1 FORMULA 1 IOCP INCOME EXPENSE A C IOCP PNL 3 FORMULA 3 IOSR ACCR 1 IOSR ACCRUAL A C FORMULA 1 17 4 ORACLE IOSR ACCR 2 IOSR ACCRUAL A C FORMULA 2 lOSR ACQUIRED INTEREST lOSR ACQUIRED 1 FORMULA 1 lOSR ACQUIRED INTEREST lIOSR ACQUIRED 2 FORMULA 2 lOSR ACR_AD J 1 IOSR ACR ADJ FORMULA 1 lOSR ACR_ADJ 2 IOSR ACR ADJ FORMULA 2 lIOSR
103. Fs maintained in the system Choose the appropriate one Date of Merging The system displays the current application date as the date of merging Merging Status The system displays the status of merger process If the merger process has already taken place the status of this box will be checked If the process has not taken place this box will be unchecked ORACLE The merger will come into effect during beginning of day process of the following working day Henceforth the system will associate to new old CIF all transactions related to the old customer Once all the accounts have been moved to the new CIF the system will close the old CIF In case of multiple mergers the last updated CIF will be stored as FKA for the new CIF However there are certain conditions for the CIF merger process to take place The new CIF should not have restrictions for any product or account class that is allowed for the old CIF Also the customer category of the new CIF should not have any restriction for an account class allowed for the customer category of the old CIF The merger process begins only on meeting these conditions In case of an account that has been merged along with the new CIF the system will also display the old CIF on Customer Accounts Maintenance screen Example Company B acquires Company A In this case the CIF of company A merging customer is to be merged with the CIF of company B main customer CIF of Company A
104. Fy Pool Code Reference Rate Transaction MIS Codes Cost Code Composite MIS Codes fat me Qe ae ne Ce ne ne ee ne ne Qe ne Pn Cee ne Ee ae e UY Change Log Transfer Log Ok Cancel Branch The current logged in branch code is displayed here MIS Group For an account the transaction type of MIS class will be picked up from the account class Rate Code Specify the rate code Select the appropriate one from the adjoining option list which displays all valid rate codes maintained in the system Link to Group If an MIS Group is linked you can indicate whether the linkage with the group should always be maintained If yes any change to the MIS Group will automatically apply to the customer to whom the MIS Group is linked If not the entities defaulted for the customer will continue even if they are changed subsequently for the group Rate type If you have indicated that rates maintained for the individual account should be picked up for MIS refinancing you have to specify the Rate Type that is to be used The options available are e Fixed 3 56 ORACLE e Floating Automatic indicating that the system should pick up the refinancing rate associated with the account Since the account number is linked to a Rate Code the system picks up the rate code associated with the account when the EOD processes are run to refresh the various rates Select the appropria
105. Lost gt Reinstated gt Stopped To mark a draft as STOP it needs to be replaced The old draft details have to be copied onto a new draft The old draft number can be specified in the field Original Draft Number Upon this Oracle FLEXCUBE will first move the original instrument into Cancelled status This will reverse the draft issue entries The old draft will then be marked as Reissued which will be achieved through appropriate maintenance of the products in DD status maintenance and its accounting entries in ARC maintenance When a draft in Stop status is copied you can Reissue it An override will ask you whether the copied draft needs to be reissued Specifying Instrument Number This number will be the least number available from unused instruments This is self populated from the instrument type maintenance and you will not be allowed to override the number An external reference if any for the transaction for transactions entered from the Branch this number is obtained by the system Branch Code This is defaulted to the current branch The DD MICR number of the instrument this has to be entered The instrument sequence number This is automatically generated by the system Instrument Date The date of issue of the instrument This date is defaulted to the system date but can be changed to any future date You cannot enter back dated contracts The Instrument amount being paid through each instrument The
106. OD Report Check Book Details Report This report gives details of the Check book of a customer You can invoke this screen by typing CARPCKDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 17 1 ORACLE CASA Cheque Details Report Options Report For O Selected Account All Accounts Account Selection Options You can indicate the following preferences for generating the report Report For Select the option Selected Account if you want to generate the Check book details report for a selected account Select the option All Accounts if you want to generate reports for all accounts Account If you have selected the option Selected Account select the account for which the Check detail report has to be generated from the adjoining option list Contents of the report The options that you specified while generating the report are printed at the beginning of the report The contents of the Check Book Details Report are discussed under the following heads Header The Header carries the title of the Report information on the branch code branch date the date and time of report generation the user ID of the user generating the report module page and the event date Body of the report Account The account number of the customer Description The description of the account Check No The Check leaf number The status of th
107. ORACLE 01 10 20 Free 2000 00 2500 00 500 00 12 0 08 EUR Amount Remaining days so that total penalty days is 90 05 Example 2 Calculation of Penalty interest with notices full utilization In this illustration the withdrawal amount is fully exhausted through free amounts and notices Credit interest rate 2 00 Penalty Interest rate 0 50 Notice period 90 days Free amount per month 2000 EUR Available notices Let us assume that the free amount for July is not utilized yet l e Free amount available for July is 2000 EUR Customer withdraws EUR 8 500 00 on 17 07 2005 The following table describes the calculation of Penalty Interest in this case Notice Amount Basis Penalty Penalty Free Passed Amount for Days Interest Amount Penalty Amount Available Calculation 17 07 2005 Free 2000 00 8500 00 6500 00 8 Amount 17 07 05 until 24 07 05 25 07 2005 Notice 3000 00 6500 00 3500 00 7 Amount 25 07 05 until 31 07 05 01 08 2005 Free 2000 00 3500 00 1500 00 4 Amount 01 08 05 until ene ORACLE 3 10 tL tL B Ea 05 08 2005 Notice 3000 00 1500 00 Amount TOTAL 1 15 EUR Maintaining Notice Period for Withdrawal You can specify the notice for withdrawal of amount from the accounts using Notice Period Maintenance screen You can invoke this screen by typing STDNTPRD at the top right corner of the application tool bar and clicking the adjoining arrow butto
108. ORACLE Given below is the sample TD rollover advice format RH TERM DEPOSIT ROLLOVER ADVICE 9 16 ORACLE DATE _TDATE_ REFERENCE NUMBER _REF_ SC _BRANCHNAME _ _BRNADD1__ _BRNADD2_ _BRNADD3_ EC WE ACCEPT FROM SC _CUSTNAME _ADD1_ _ADD2_ _ADD3_ _ADD4_ EC 9 17 ORACLE SC A DEPOSIT _TDACNO_ OF_AMT_ CCY_ MATURING ON _MATDATE_ ANNUAL PERCENTAGE YEILD IS AS FOLLOWS INTEREST RATE APPLIED FOR THE DEPOSIT TENOR _DEPTTENOR_ DAYS _INTRATE_ TOTAL INTEREST AMOUNT _INTAMT _ TOTAL MATURITY AMOUNT MATAMT _ TD ROllover Type _TDROLLTYPE_ EC EH RF FOR _BRANCHNAME _ AUTHORIZED SIGNATORY EF 9 3 4 2 Term Deposit Maturity Advice Format You need to maintain the TD_MAT message type or advice format for generating term deposit maturity advice The system generates the TD maturity advice based on the specified number of days before the maturity date in the Deposit Account Details screen Event IMATs The tags used in the TD Maturity Advice Format are listed below 9 18 ORACLE Advice Tag _BRANCHNAME _ _BRNADD1_ _BRNADD2_ _BRNADD3_ _TDATE_ REF _CUSTNAME _ADD1_ _ADD2_ _ADD3_ _ADD4_ _TDACNO _ _AMT_ CCY _DEPTTENOR_ _MATDATE_ MATAMT _INTRATE_ _INTAMT_ _TDPOTYP_ Description Branch Name Branch address line 1 Branch address line 2 Branch address line 3 Rollover date Advice reference Cust
109. OZ20 3590001 25 DEC O MISCELLENTOUS CLOSING CREDIT BALANCE 3 995 00 AVATLABLE BALANCE 67095 200 UNCOLLECTED BALANCE O 00 BLOCKED BALANCE DEBITS 105 00 CREDITS 10 100 00 UNAUTH ENTRY R REVERSAL 9 25 0 00 ORACLE 9 3 7 Maintaining Ad Hoc Statement Requests You can maintain ad hoc requests for consolidated statements raised by customers using the Adhoc Consolidated Statement Request Statement screen You can invoke this screen by typing STDCRSMT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Adhor Consoldated Statement Request Maintenance Reference Humrb r EDUCA ROTREDS Breach Lode 3 Cumomer ie jipii Request Type From Daie 2007 11 27 Te Dae 2 Tiva Date Process States U Process Status Deisis UMPROCESSED Mater E1g225u02 AH OT Mod Ne l Chacie EigI2540i 2007 11 28 15 19 15 Record Siatue Open Authonzebon Status Authorized You can capture the following details here Reference Number Specify a 16 digit unique code to identify the record with You can leave the field blank to have the system generate it automatically upon saving the record Branch Code The system displays the branch code Customer No Specify a valid customer number who has raised an ad hoc request for statement The adjoining option list displays all valid customer numbers maintained in the system You can select the appropriate one Request Type
110. Order Details F Include for Lodgement Printing Fields Input By DOC4 Date Time Modification Number WB authorized Authorized By Date Time a Open For each request you need to capture the following details Account Number You can specify the account number of the customer account in respect of which the request for the lodgment book was received Start Number for the Lodgment Book You can specify the start number for the leaves in the lodgment book This depends upon your specification in the Bank Wide Parameters in respect of uniqueness of lodgment book numbers The following example illustrates how the specification in the Bank Wide Parameters works In the Bank Wide Parameters you have specified that lodgment book numbers must be unique for the branch This means that lodgment numbers need to be unique across all accounts of that branch For instance if a book is maintained with the Start Number as 1 and containing 25 leaves you cannot start another book in respect of any other account with these numbers If you have specified that lodgment book numbers must be unique to accounts in the branch and a book is maintained with the Start Number as 1 and containing 25 leaves you cannot start another book in respect of the same account with these numbers However you can start a book with the same numbers in respect of another account in the branch Number of Leaves You can specify the number of leaves that the lodgment
111. PNL_ADJ 1 IOSR PNL ADJ FORMULA 1 lOSR PNL_ADJ 2 IOSR PNL ADJ FORMULA 2 IOSR INCOME EXPENSE A C lOSR PNL 1 FORMULA 1 IOSR INCOME EXPENSE A C lOSR PNL 2 FORMULA 2 lOSR TPBL_ADJ 3 lOSR TAX PAY ADJ A C FORMULA 3 lOSR TPBL 3 IOSR TAX PAYABLE A C FORMULA 3 17 5 Event wise Accounting Entries for Products You can set up various IC products for handling customer accounts Some representative products are listed below Interest e Interest on Saving and Current Bank Accounts for Retail Customer e Debit Interest on Current Accounts e Interest on Current account for Corporate Customer e Interest Liquidation before month end on Saving and Current Bank Accounts For Retail Customer e Interest on Saving and Current Bank Accounts for Retail Customer e Charge on Less Average balance e Dormancy Charge On Accounts e Ad Hoc Statement Charge e Check Book Charges e Checks Returned e Credit Turnover e Debit Card Blocked e Debit Card Issued e Debit Turnover e Number of Transactions e No of Account Statements e Stop Check Charges e Turnover e YTD Cr Turnover e YTD Debit Turnover e Year End Transfer e Year to date No of Transactions 17 5 1 Accounting Entries for Interest Products You can set up accounting entries as given below 17 5 1 1 Interest on Saving and Current Bank Accounts for Retail Customer IACR Accounting Entries ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicato
112. Product Code Product Description Deposit Turn Ower Ratio Waker Date Time Wod No Checker Date Time Record Status Authorization Status Specify the following details Branch Specify the branch The adjoining option list displays the branches that are maintained in the system You can select the appropriate one Module Specify the module The adjoining option list displays the modules that are maintained in the system You can select the appropriate one Product Code Specify the product The adjoining option list displays the products that are maintained in the system You can select the appropriate one Product Description The system displays the product code description Deposit Turn over Ratio Specify the turnover ratio ae ORACLE 15 3 4 Viewing Deposit Turnover Ratio Summary Details You can view the deposit turnover ratio for the specific product through the Deposit Turnover Ratio Summary screen You can invoke this screen by typing CASPDTR in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Deposit Turnover Ratio Summary Authorization Status Record Status Branch L _ fal wodue a Product Code ad Advanced Search Records per page Authorization Status Record Status Branch Module Product Code Product Description D You can query on records based on any or all of the following criteria e Authorization Status e R
113. RACLE Provision Percent If you wish to indicate a specific provisioning percentage to be applicable for the account you can specify it in the Provisioning Percentage screen If you do not specify any provisioning percentage the provisioning batch picks up the applicable provisioning percentage from the Exposure Provisioning Percentage Maintenance for the exposure category of the account and the account status Discount Percent If you wish to indicate a specific discount percentage to be applicable for the account you can specify it in the Provisioning Percentage screen If you do not specify any discount percentage the provisioning batch picks up the applicable discount percentage from the Exposure Provisioning Percentage Maintenance for the exposure category of the account and the account status 3 1 10 3 Capturing Escrow Transfer Details Escrow transfer processing refers to transfer of certain percentage of credit amount that comes to project account Trust account to the designated account Escrow account This is based on defined transaction codes and cut off time defined for the account currency Transactions with the transaction code and credit account for which the box Escrow Processing is checked in the Transaction Code Maintenance screen are considered for the Escrow sweeps The system computes percentage of credit amount and places an amount block on project account You can view the details of such system ge
114. STALL DUE UDE Maintain the following UDEs User Defined Elements Type RATE1 Rate RATE2 Rate AMOUNT2 Amount TAX1 Rate TAX2 Rate Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen You need to maintain two booked formulae and one tax formula Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Interest Method Default From Currency Definition Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expression Case MON_AVG_BAL lt 0 ABS MON_AVG_BAL RATE1 DAYS YEAR 100 Formula 2 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Credit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop dow
115. USD 48 000 The total available balance is displayed as Unutilized Line amount USD 48 000 e Total available balance USD 48 000 In the Amounts and Dates screen you can view the outstanding debit interest and or charges due on the account as on the current date You can also view the amount that can be withdrawn against uncollected funds on the account The System computes the allowable amount based on the Withdrawable Uncollected Funds Basis option specified in the Branch Parameters Preferences screen APY Value The system displays the APY value APY Calculation Date The system displays the APY calculation date 3 1 8 2 Viewing Unposted Entries When this branch is under EOD processing the inter branch transactions originated from other branches are tanked The funds are made available automatically after BOD and till such time they are treated as unposted items 3 1 8 3 Viewing Turnover Limit Details You can view the account balance status with respect to the turnover balance limit set for the financial period You can view the financial period currency total deposited amount and the permissible limit for deposits The period and limit details are inherited from the limit code associated with the parent account class During every credit transaction on the account the system updates the limit utilization and checks the balance amount against the permissible threshold On account of a transaction if the balance breaches
116. able Balance Unwed Amount Total Avalatia Provision Amount Auto Deges Balance Unposted Debi Or creatin Ungol ciad Unauthorized Debi Or Credit Cr Uneobecied Cr SPY Value P Calculation Date Change Lo 0 00 0 00 Ld es Opening Daily TurnOver Dr Daily TurnOver Cr Debit Or Credit Cr Current Ley Acerued Dr Accrued Cr interest Due Charge Due Previous Date Debit Credit DR Activity 0 00 0 00 0 00 0 00 0 00 0 00 0 00 eee 0 00 0 00 F Unposted Cr Unposted Turnover Limit Details Current Period Currency Maximum Credit Turnover Allowe d Fima am n al is Perant Pile of 3 1 8 1 Viewing Total Available Balance Details cop o o The total available balance displayed by the system includes the initial funding amount and unutilized line amount in case the customer enjoys an OD limit Example The customer account has a line with an amount of USD 50 000 linked to it Case Account has a Credit balance of USD 1000 Total unutilized line amount is USD 50 000 Your bank would like to see USD 51 000 The total available balance is displayed as 3 15 ORACLE Unutilized Line amount USD 50000 Total available balance USD 51 000 Case Il Account has a Debit balance of USD 2000 s Total unutilized line amount is USD 48 000 Your bank would like to see
117. ails You can specify status details for the account using the Status Details screen To invoke this screen click the Account Status button in the Customer Accounts Maintenance screen Status Details Account Branch Code 000 Account Account Status Status Description Reporting Lines GL Lines Credit Debit Federal Reserve Lines Credit Debit Head Office Lines Credit Debit Ok Cancel Here you can capture the following details Branch The system defaults the code of the current branch Account Number The system defaults the account number from the main screen Status You can select the different status codes applicable to the account class in this field Use the Add icon to define each status and the attributes for the same You can use the navigation icons to move from one status to the other On selection of the status the associated description will be displayed alongside ORACLE Dr and Cr GL Line Select the debit GL account to which all debit balances within a specific account class will report to when it moves to the status being defined You can identify the debit GL from the list of existing GLs Likewise all credits within a particular account class will report to the GL account that you have identified to track credits Dr Federal Reserve Line Specify the Federal Reserve line to
118. aintenance Summary You can view the summary details of the account structure in the Account Structure Maintenance Summary screen 6 2 ORACLE To invoke this screen type CASSTRUC in the field at the top right corner of the Application tool bar and click the adjoining arrow button Account Structure Maintenance Summary Authorization Status Record Status x Structure Group az Advanced Search Records per page jis gt Authorization Status Record Status Structure Group Description You can query on records based on any or all of the following criteria e Authorization Status e Structure Group e Record Status e Description Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Structure Group e Record Status e Description oo ORACLE 7 Maintaining Amount Blocks 7 1 Defining Amount Blocks An amount block is that part of the balance in a customer s account which you wish to reserve for a specific purpose It can be specified for an account either on the directions of the customer or at the behest of the bank When an amount block is set for an account the balance available for withdrawal is the current balance of the account minus the blocked amount On expiry of the period for which the amount block is defin
119. aledysduebtunseuetensieieuansieintladaatunses 7 1 7 1 1 Defining Amount Block REASONS vioscessncususstneencesseeoansssnuetoetanessusstnveatessneaauess anes aadangecastanvendesdainenssiarencess 7 1 ie Maintaining Individual Amount Blocks ccc ccc cece cece E nnn n nnn Ente EEE ed 7 4 ee VAC AOU TOT es sere sara E E E EEE cers sears E EAS EE E A 7 6 7 1 4 Maintaining Consolidated Amount Block Details cccccccccccccccc cece cece ccc 7 8 A e Maintaining Consolidated Amount Blocks eeoeeeeeeeennnnnnnnnnnnnnnnnnnnnnnnnrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrren 7 9 MAINTAINING STOP PAYMENT DETAILS cccccccsssscccsssccccsssscccsscccccsccccccssccccescscccsccccesscccceescssoess 8 1 8 1 INTROS TOI ores es sccesctiesiecec ema case stibivste E a cea weercsiua earch sete au eceoaeemasesenbe ease 8 1 8 2 MAINTAINING STOP PAYMENT ORDERS ccccccceeeccccsececeseccecsecsceusecscueccsuuuecssuucecsseuecssseecseuueessssueeseuensss 8 1 8 2 1 Maintaining Stop Payment InstructionS eeeeeeeeenessneeeesennnnnnnnnnssssssssssrrrisrrrrererssssssesssrrrrereeess 8 2 8 3 MAINTAINING STOP PAYMENT ORDER EFT ACH DIRECT DEBIT cccccceeeccceeesccceseccccessccceuecceseeesseneness 8 5 8 4 VIEWING STOP PAYMENT ORDER EFT ACH DIRECT DEBIT DETAILS ccccccseeccceeecccceeeccceeecseceeecceneness 8 8 ORACLE 9 GENERATING ACCOUNT STATEMENTS siicsisscsssccosscescsssssssssanssosesscssosonadadsscssestessonscsesteassccndscesasceeseses
120. ance Notice Preferences screen refer to the preceding section titled Maintaining Notice Preferences for Withdrawal For more details on the Account Class Maintenance Notice Preferences screen refer to the section Maintaining Notice Preferences in the chapter Maintaining Mandatory Information of this User Manual These Notice Accounts are linked to the Notice Period maintained at Account Class Customer Account level for the withdrawal of amount from the account The account holder should provide a notice of specified days months to the bank to withdraw an amount more than the Free Amount Once the notice period is crossed the notice becomes active and the customer can withdraw the noticed amount during the validity period of the notice For example if the Notice Period is 3 months then the customer should inform the Bank 3 months in advance about the amount the customer wants to withdraw from his account The noticed amount can be withdrawn at one go or in several installments within the notice validity period window After the validity period expires the status of the notice remains closed Note the following e The system deducts the advance interest from the credit Interest earned by the customer on his credit balance in the account a ORACLE e If the customer does not withdraw his free amount during any month he is not allowed to carry forward the same in the subsequent month Y
121. and Instruments The following table gives the mapping between the common payment gateway fields and the fields supported by Instruments This mapping is maintained in the system using the message type product category product mapping screen Value Date Instrument Date 13 7 ORACLE Not mapped Generated upon upload By Order Of 5 Columns Our Correspondent 5 Columns Receiver s Correspondent 5 Columns Intermediary 5 Columns Account With Institution 5 Columns Sender to Receiver Information 5 Columns 13 8 ORACLE ne ORACLE a ORACLE 13 2 Manual Processing for Uncollected Funds Typically uncollected funds on a payment instrument will be actually cleared after a specified time interval depending upon the type of instrument This is referred to as the availability information for uncollected funds The availability information is maintained for each kind of transaction in your bank represented by transaction codes in Oracle FLEXCUBE You can manually make available or release uncollected funds before the available date for credit transactions 13 2 1 1 Operations that you can perform You can invoke the Uncollected Funds Release screen by typing ACDMUNCL in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Uncollected Funds Release Branch 000 To Date Fund Selection C Release From Date Authorize QUERY View All Option
122. as been enabled in the Account Class Maintenance for the account class used by the account If account statistics has been enabled an accounting End of Day EOD process updates the Statistics table both period wise and according to financial years The book dated balances are used for computation of statistics and the balances are maintained according to accounting periods Viewing Customer Account Balance You can view the account balance of the customer using Customer Account Balance screen To invoke this screen by typing STDCUSBL at the top right corner of the application tool bar and clicking the adjoining arrow button it ORACLE Customer Account Balance The system displays the following details e Branch e Account e Current Balance e Available Balance e Status Dormant e No Credit e No Debit e Frozen e Customer Category e Customer Number 3 115 ORACLE 4 1 4 2 4 Maintaining Tax Allowance Limit Introduction You can maintain tax free allowance limit at the customer account level The allowance limit at account level will be used only for Interest computed on the account Maintaining Customer Account Tax Allowance You can access this screen by typing STDCULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The screen appears as shown below Customer Tax Allowance Maintenance Customer Tax Group Description C
123. as been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
124. ated Request Statement Summary advanced Search matres Ragai Records per page 15 l 1 of 4 authori Start Menti kabon Siatus Record Sistu le faranoe Humber Erapch Gogs Customer Ho Effeciye Data rreegqueicy You can query on records based on any or all of the following criteria e Authorization Status e Record Status e Reference Number e Branch Code e Customer No Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them Ai ORACLE Authorization Status Record Status Reference Number Branch Code Customer No Effective Date Frequency Start Month Start On Last Executed Date 9 32 ORACLE 10 Processing Post Dated Checks 10 1 Introduction Oracle FLEXCUBE supports processing of post dated Checks PDCs both at Branch and Host levels PDCs have four events in their life cycle e Booking Entry of PDCs where details of the PDC are entered in Oracle FLEXCUBE e Initiation of PDCs where the PDC is authorized and becomes active Contingent entries if required are passed for the PDC during initiation e Liquidation of PDCs where the PDC becomes a normal Check to be sent through clearing e Cancellation when the PDC is cancelled before liquidation It is also possible to reverse a PDC after liquidation For processing PDCs you will first have to create PDC products in Oracle FLEXCUBE and then process in
125. aves in this Check book The Check Number on display is the number of the first leaf on this Check book and is defaulted from the Check Book Details screen The Check leaf status can be viewed in a matrix form The column number should be suffixed to the row number to arrive at the Check number whose status you want to view For example in the matrix above the second row number 000000000000001 when suffixed with 0 would give the status of the Check number 0000000000000010 which is under a stop payment order To move up and down the matrix click on the upward and downward arrow respectively on the side of the matrix You have the option of manually changing the status of any of the Check leaves except a Check which has been used or a Check under a stopped payment order The stop payment order can be for a Check or a series of Checks and is maintained in the stop payment table from where it gets updated in the status table Viewing Details of a Check and changing its Status To change the status of any leaf in a book go to that leaf s status block in the status matrix and double click on the block You will be returned to the Check Details table The Check Details table is invoked from the Application Browser Maintaining Check Details You can invoke the Check Details Maintenance screen by typing CADCHKDT in the field at the top right corner of the Application tool bar and clicking on the a
126. block expiry date as next day and system processes Escrow transfer on the next day Cut off time is applicable only for transaction entry and not for authorization of transaction Reversal of transaction happens based on the following conditions e Ifthe Reversal of transaction is done on same day the amount block that is placed due to the escrow transaction will be removed e Ifthe transaction is reversed on next day after escrow amount block is processed then the system reverts the amount from the Escrow account The negative entries will be posted with the reversal transaction code maintained at account class level Levying Penalty Interest on Notice Accounts The Notice Account is a savings account for which the bank levies Advance Interest if the account holder withdraws an amount more than the Free Amount The free amount is the amount that a customer can withdraw per calendar month from his her savings account without providing any notice to the bank and without being liable to pay advance interest Oracle FLEXCUBE facilitates the setting up of a Notice Account using the Customer Accounts Maintenance Notice Preferences screen by enabling the option Advance Interest You can also configure an account class for advance interest by enabling the option Advance Interest at the Account Class Maintenance Notice Preferences screen For more details on the Customer Accounts Mainten
127. block maintenance where you maintain amount blocks against particular amounts e Stop Payment where you maintain stop payment instructions issued against a Check or range of Checks 2 1 ORACLE 2 1 1 Major Features There are three major features this system provides e A service which returns the status of the Check e A service which updates the status of the Check e A service which will process initiation and expiry of stop payment instructions and amount blocks 2 1 2 Major Functions The major functions which the system provides are the following Maintenance It provides for maintenance of Check books issued for a customer account with a provision to track and update the status of each Check leaf in the book Maintenance of stop payment instructions issued by customers based on either Check numbers or the amount for which the Check or Checks were issued A facility to maintain amount blocks on customer accounts Processing Whenever a Check based transaction is initiated the system will alert the user about the status of the Check In case of a stop payment instruction enforced against that account number the system will verify whether the details of the Check and the stop payment instructions match It will warn the user accordingly and ask for an override In case of amount blocks the system takes care of the minimum balance to be maintained in the account while monitoring Limits Two types of repor
128. book is to have 3 112 ORACLE 3 16 Order Date and Issue Date By default the order date and the issue date of the lodgment book is considered to be the application date you can change the dates and specify them as required Order Details You can specify order details as required for the lodgment book Order Details for Lodgment Printing If you wish the order details to be sent to the lodgment book printing agent you can indicate so If you indicate this by checking the Include for Lodgment Printing box the issue date for the lodgment book will be updated by the printing interface Querying for Account Statistics You can view period wise statistics for an account in the Customer Account Statistics Query screen To invoke this screen select Queries from the Application Browser then Customer Accounts and Statistics under it You can also invoke this screen by typing ACDSTQRY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Account Statistics Query Account Number Description Account Open Date QUERY E Linked Customer Linked Customer Account No Customer Number Branch Code Period Financial Year Balances And Turnovers Al Financial Cycle Period Low Balance High Balance Average Credit Balance Average Debit Balance Average Net Balance Credit Days Debit Days Credit Turnove Check Linked Customer and p
129. cccccc cece cece cece eects a aaa aaa a aa aaa 3 43 a2 SPECIFYING US FEDERAL REGULATION DETAILS cctcemcasgoiconssiaavbigttnauanestaaunaritetanagetetseietteeanesedatnensdeaunede 3 44 3 2 1 Specifying Recurring Transfer Details onc sice sens ccatzrccsannnsdencdnsvanseaiintontaiabesctandoncdsaiantoateambecsatabenesendeaet 3 46 3 22 Spec AS Linked PTI OS sE REEE AEAEE Aa 3 46 3 2 3 ee AE O DO ea E E N 3 48 3 2 4 Specifying Account Status Details sissien narenn a aesan iA E EAEAN ESEE E AA 3 50 3 2 5 Speen ine kesr icion DeordilS seers niyaran E EA EAER ERE EAN AEEA EEA 3 51 3 2 6 SDCCI VIN Currency Lims DCTS oeseri EEA EAEEREN SEAE ERANA EER 3 54 3 2 7 Pe S E EEE EEE E EE EE EN 3 55 3 2 8 Viewin OFAC CHeck RESPONSO siris ee AEE EAEN en ae ee 3 57 3 2 9 Speci ying Siemen DAOS ieaie E EAE E bea nae EAA 3 60 Se DPen ACCO LIMIS errn EERE EEEE EERE EEA EE REESE 3 71 SAF SPECT Jn Hod Derdi S seasan E E EE EE EEE E 3 74 Te GCC OO D aE E E E Melati an peed nag sled nest eaesee 3 75 213 SPECE TI CIO STIS INSM ONS ata an ast aires EE EEEE EAEE paced nan ed meats 3 76 sadd CCI BNE OVI IS area asc rn E EA EEE EEE gocied nap E 3 77 32413 ANUS manual liquidation Jor Dilis sisisserisesrkiai sued tie seh ela EEEa EEEE EErEE 3 79 3 2 16 Specifying Account Signatory Details 00000000000000000nnnnnnnonnnnnnnnnnssnnsnnssnssssssssssrosersnsosseneneenenennnne 3 80 3 2 17 Specifying Details for Balance Report Statement cccccccecee cece aaa a aaa aaa aaa aa
130. ccount Remitter Branch Routing Number Product Instrument Currency Instrument Amount Instrument Date Tranzaction Date End Point Old Instrument Amount Module Reference No Error Codes Error hlessage input By E15363M01 Authorized By E01 128 SECHIE01000E01 CGOW GBP 1 700 00 2007 11 28 2007 11 28 C Late Clearing Adjust Amount Override Stale Days Override Stop Pay Force Posting CG Date Time Date Time Modification Number 2 Status Rejected Code Remitter Bank Beneficiary Account Beneficiary Bank Beneficiary Branch Bank Value Date Customer Value Date Serial Number Contract Reference Number Success Ww Advice Required E0110006401 E01 2007 11 28 E0ICGOWO0T3320006 Entry Number 1 Din Din Date Remarks E Authorized E open For a post dated Check clearing transaction you can select the following statuses from the dropdown list e Collection When a normal Check launched for collection Activation of PDC e Collection after Discount When a Discounted Check launched for collection Activation of PDC e Collection after Purchase When a Purchased Check launched for collection Activation of PDC e Returned When the Check is dishonored rejected the status of the PDC would be updated to Returned e Passed When the status of the funds is marked as collected the status of the PDC will be updated as Passed
131. ccsicctensoccdagesebcecausasnaesivendbedendentbegecthdeceedasedemeendbedansesctobesesn 17 6 18 ANNEXURE C IC RULE SET UP esecsesccscsecccseseoccscocoseseocoseseocoseccoceseocosesccsescoseseocosescocesescosesescoseseoee 18 1 Ist INTRODUCTION unns a A E E AREO EA 18 1 Is2 IWC IR ODE MAINTENANCE asiten E EE E E EEE E EE N 18 1 ORACLE 18 3 18 4 18 2 1 Interest on Saving and Current Bank Accounts for Retail CUStOMET 0 cccccceeeseeeeeetetsesteseeseeeeees 18 2 l 22 DCD AINCTEST on Curren ACCOUNTS x chcsassaseitabitcnusesteasimathesestosheatecstduanauaesdctiaal secqeeadstonsaccousnieectvenel es 18 6 18 2 53 Interest on Current account for Corporate CUSTOMEY cccccceecceeeseeeeteeeette eee eeeeeecaaeeeceeeeeeeeeeeeeeeeees 18 9 18 2 4 Interest on Saving and Current Bank Accounts for Retail CUStOMET 0cccccceeeseeeseesesssceeseseeeeees 18 12 18 2 5 Interest on Saving and Current Bank Accounts for Retail CUStOMET 00ccccccecseeeseesessteceeeeeeeeeees 18 15 18 2 6 Charge as Dr Interest when the balance is Less than minimum average balance cc0000000000 18 17 TZ DOS se ete EEN E yet ioc Ge cae RS E N 18 20 UDE VALOR MAINTENANCE oi cae pateasacisusn none au taan E E E 18 21 18 3 1 Interest on Saving and current Bank Accounts for Retail Customer eeen 18 22 16 3 2 Debit Interest On Current ACCOUMS vicsiecis cescnctactndccetanteannesesddawiasweienteeid acmaaatedeateadinhainc a seieaeeehi 18 23 18 3 3 Interest on C
132. ce UDECA B Interest Component Change Advice CUSTOMER _CUST_ _CUST NAME__ _ADDR1_ _ADDR2_ _ADDR3__ _ADDR4_ BRANCH _BRN_ ACCOUNT _ACC_ _DESCRIPTION CURRENCY _CCY_ PRODUCT _PROD_ PRODDESC_ Rates and other interest components have been changed The details are Element Existing Value New Value LOOP RCDATE_ _UDE_ _OLDVAL_ NEWVAL _ ENDLOOP 9 12 ORACLE EB For more information on rate change advice please refer the Maintaining Customer Accounts chapter of this user manual For details on advice generation please refer the chapter titled Maintaining Advice Formats in the MS user manual under CORE module 9 3 2 1 SWIFT You need to maintain details as shown in the screen below ae Advice Format Maintenance Format Lines 54 Language Columns 80 Form Type Import File Import Format Text CO Module Message Type Media Branch Currency Product Input By DOCS Date Time Modification Number We authorized Authorized By Date Time v open Format Text Specify the following format B LOOP _LINE_ me ORACLE 9 3 3 9 3 4 ENDLOOP EB Maintaining Account Class Details You need to specify the account statement format for Savings and Nostro types of account classes You can invoke the Account Class Maintenance screen by typing STDACCLS in the field at the top right corner of the Application tool bar and clicking the
133. count Opening section in this user manual Generate Stat Only On Movement You can indicate that an account statement should be generated for the customer s account only when there has been a movement of funds into the account or when funds have been transferred out of the account For instance let us assume that on the August 21 2001 you have set the account statement generation frequency as Daily for the account LIO20804 On September 5 2001 there has been no movement of funds in the particular account If you have opted for the Generate Only on Movement option the system will not generate a statement message for September 5 2001 lf you choose not to enable this option account statements will be generated regardless of whether there has been a movement of funds or not Exclude Same Day Reversal trns from Stmt If you do not wish transactions booked and reversed on the same day to be reflected in the account statement you can specify the preference here This feature is applicable only for the customer account legs and not for the related GL legs Also reversals made through the DE module will not be considered for exclusion This specification is defaulted from the account class linked to the account You can change it for a specific account Statement Account A customer may have two or more accounts with your bank but may desire to receive a single consolidated account statement Oracle FLEXCUBE allows you to link accoun
134. count holder s demise Subsequent to the account holder the first beneficiary is called to claim the balances in the account If the first beneficiary is no more or is missing then the second beneficiary is called upon to claim the balances in the account Second Beneficiary You can nominate two persons who would have the right to the balances in your account after the account holder s demise Subsequent to the account holder the first beneficiary is called to claim the balances in the account If the first beneficiary is no more or is missing then the second beneficiary is called upon to claim the balances in the account Specifying Initial Funding Account Opening Amount Specify the amount being deposited to open a customer account While saving the record the system checks whether this amount is equal to or greater than the minimum limit maintained for the linked account class If the amount is less than the applicable limit the system will display an error message If it is equal to or greater than the limit amount the system will proceed with saving Input to this field will be mandatory if limit amount has been maintained for the linked account class oc ORACLE Pay In Option Indicate the method for initial funding during account creation Choose one of the following options e Pay In By Account e Pay In By GL Offset Account If you have chosen Pay In By Account as the pay in option you will have to specify
135. counting Entries Accounting Role Amount Tag Debit Credit Indicator 17 15 18 Annexure C IC Rule Set up 18 1 Introduction This Annexure lists the Interest and Charge IC rules that need to be maintained for the CASA module of Oracle FLEXCUBE It also gives the UDEs and rates for which values need to be maintained 18 2 IC Rule Maintenance The components required to calculate interest the principal period and rate are broadly referred to as Data Elements Data elements are of two types e System Data Elements SDEs e User Data Elements UDEs In addition to specifying how the SDEs and UDEs are connected through the formulae you also define certain other attributes for a rule using the Interest and Charges Rule Maintenance screen You can invoke this screen by typing ICDRLMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Interest amp Charges Rule Maintenance Apply Interest C On Account Opening Month Rule Identification C On Account Closure Month Rule Description LM Parameters Primary Element _ Integrated LM Integrated LM Type System Elements User Elements EE O System Elements P User Elements Get Latest Formulas Fields Formula Rate Input By DOCS Date Time Modification Number WB authorized Cancel l ance Authorized By Date Time E open For details about the screen ref
136. ct Daily from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list 18 4 ORACLE Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions VD_DLY_ DR BAL M VD_DLY_CR_BAL_M NORMAL_RATE1 DAYS gt AMOUNTS3 YEAR 100 VD DLY DR BAL M VD_DLY_DR_BAL_M NORMAL_RATE4 DAYS lt AMOUNT3 YEAR 100 Formula 3 Specify the following details Book Flag Select Tax from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Leave this box unchecked 18 5 Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions FORMULA1 gt AMOUNT1 TRUNC FORMULA1 TAX1 100 18 2 2 Debit Interest on Current Accounts Specify the following details On Account Opening Month
137. currency in which the instrument amount is expressed Payable bank specified in the instrument Payable Branch the instrument is issued against 11 5 ORACLE e Remitter Specify the name of the remitter or the third party The country location of the remitter also needs to be specified The country information is captured to enable Mantas to analyze the transactions for possible money laundering activities For more details on Mantas refer Mantas interface document e The Branch Account number and currency of the account that is being debited for making the payment towards the instrument The account number is a customer account number if the payment is made by a debit to the remitter s account It is the number of a clearing account GL if payment is made through Check or other GL for cash payments e The Expiry Date of the instrument transaction This is defaulted as the instrument date the tenor as defined for the instrument type You can change this date e Exchange Rate If the account currency is different from the currency in which the instrument amount is expressed you can specify the exchange rate that will be used in the Exchange Rate field The exchange rate maintained for the two currencies is defaulted you can change it e SSN this is the social security number which is displayed if maintained on selecting the remitter If not maintained this has to be entered here e Reissued Check the box if the instr
138. cycle Interim Statement Details Generate Interim Statement Check this box if you want to generate the interim statement oe ORACLE Previous Statement Date The system displays the date on which the statement was last generated Balance The system displays the interim balance in the account The message tag INTRST DETAILED is used for interim statement Statement Cycle upon Account Opening The first time statement generation for an account after account opening depends on the first statement block days specified in the Account Class Maintenance screen Statement Start Date Specify the date for generating the statement for the first time It should not be less than the account opening date The first statement generation date will be derived and displayed in Statement start date based on the block days captured and cycle days mentioned in the statement details However you are allowed to modify the displayed statement start date at account level This maintenance is done also at secondary and territory level of account statement to generate the statement for the first time Example 1 Customer ID 12345678 Name Mr XYZ First Statement block days 10 Statement Cycle Monthly Statement Cycle Day 3rd of every month Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 3rd Aug 2010 In the above example the 1st Statement Generation date should be 3rd Sep 2010 instead of 3rd Aug 201
139. der customers during account opening The first line of the mailing label will direct all mailings to the address of the customer for whom the mailing field is set System sends an additional statement to a different address and only one statement to the non primary owner of the account 3 47 ORACLE 3 2 3 You cannot modify the mailing label for an account if it has been updated by the system during authorization of the combined statement plan An account can have only one mailing label Multiple addresses can be maintained for an account based on the date range For a customer with no multiple addresses and when a record is saved with no mailing address is saved the address from the CIF main screen will be considered for all correspondence Specifying REG Details Reserve Requirements for Depository Institutions Regulation D is a US Federal Reserve Board regulation that limits the number of preauthorized withdrawals and transfers from a savings account or money market account The regulation applies to all United States banking institutions offering such accounts In consumer banking Regulation D often refers to 204 2 d 2 of the regulation which places a limit of six withdrawals or outgoing transfers per month from savings or money market accounts via several transaction methods The Expedited Funds Availability Act EFA or EFAA was enacted in 1987 by the United States Congress in order to standardise hold periods on dep
140. dividual PDCs as contracts under the products that you create 10 1 1 Maintaining PDC Products You will have to create a product for PDCs and define attributes specific to it You can invoke the Post Dated Checks Product Definition screen by typing PDDPRMNT in the 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 PDC product such as Product Code Description and so forth Post Dated Cheques Product Definition Product Code lz Exchange Rate Variance in Product Description C Override Limit product Tyre JE Siop Lin Rate Code Description Slogan e TARADO Product Group H Stat Date 6 EndDate lel Remarks E Maker Date Time Record Status Checker Date Time Authorization Statu 10 1 ORACLE For any product you create in Oracle FLEXCUBE you can define generic attributes such as accounting roles events MIS details etc by clicking on the appropriate icon in the horizontal array of icons in this screen For a post dated Checks product in addition to these generic attributes you can specifically define other attributes These attributes are discussed in detail in this section You can define the attributes specific to a PDC product in the PD Product Definition Main screen and the PDC Product Preferences screen In these screens yo
141. djoining arrow button a ORACLE Check Details Maintenance Check Details Account Number Check Number Customer Name Amount Beneficiary Presented On Remarka Status Date On Check Input By Date Time Modification Number Ss Authorized Authorised By Date Time E open If you have invoked this screen by double clicking on the Check status all details related to the Check would be displayed in the Check details screen If the screen has been invoked from the Application Browser then click on the account number a display field press F7 and enter the account number of this customer whose Check status you want to view Then press F8 The details of a Check leaf would be displayed The system displays the customer name along with the legal title for the account separated by a comma Move to the concerned Check number record by using the arrow buttons on the toolbar or the lt down arrow gt key of your keyboard You can also invoke the Check details by inputting the Check number the details of which you want to view The Amount Beneficiary Presented On Date on Check are populated from the concerned module from where the Check transaction took place You can change any of the details In this screen the following details are updated from the front end modules Data Entry and Funds Transfer for a Check issued to a customer e Amount for which the Check is drawn e Status of the
142. djoining drop down list The list displays the following values e Bank Secrecy Act Structuring e Money Laundering e Bribery Gratuity e Check Fraud e Check Kiting e Commercial Loan Fraud e Computer Intrusion e Consumer Loan Fraud e Counterfeit Check 15 8 ORACLE e Counterfeit Credit Debit Card e Counterfeit Instrument other e Credit Card Fraud e Debit Card Fraud e Defalcation Embezzlement e False Statement e Misuse of Position or Self Dealing e Mortgage Loan Fraud e Mysterious Disappearance e Wire Transfer Fraud e Terrorist Financing e Identity Theft e Other Suspect Information Unavailable Check this box to indicate that the suspect information is not available Account Information Specify the following details Account Number Specify the account number of the suspicious customer The adjoining option list displays all valid account numbers based on the customer id selected Choose the appropriate one Full Name The system displays the full name of the customer based on the customer id selected A C Status The system displays the account status of the customer Report to GOV Specify the date reported to GOV SAR Reason Select the reason for SAR from the adjoining drop down list The list displays the following values 15 9 ORACLE e Bank Secrecy Act Structuring e Money Laundering e Bribery Gratuity e Check Fraud e Check Kiting e Commercial Loan Fraud e Computer Intrusion e C
143. e credit facility against the FD is breached The Intermediate data store consists of the following details e DCN e BRN e Customer Account Number e Customer Number e Customer Mail e Customer Mobile No e Utilized Amount e Overdraft Amount e Dispatch Flag You need to maintain the following message advice format through the Advice Format Maintenance screen RH lt SOD ACCOUNT UTILIZATION gt Date DATE_ Bank Name _BANK NAME _ Branch Address BRANCH ADDR __ 3 97 ORACLE Customer Name CUST NAME1 _ Customer ID CUSTOMER __ Account Number ACCOUNT NO _ OD Amount OD AMOUNT _ Utilized Amount UTIL_AMOUNT_ EH B SC IF DIFFEQAUL _ Your Account with Account Number ACCOUNT NO_ has reached the limit of the OD ENDIF IF DIFFGREATER_ Your Account with Account Number ACCOUNT NO_ has breached the limit of the OD by _DIFFGREATER_ ENDIF EC EB RF FOR _BRANCHNAME _ AUTHORIZED SIGNATORY EF oe ORACLE 3 7 For more information on Advice Format refer Maintaining Advice Format chapter under Messaging System User Manual Note the following e For multiple collaterals you need to consider consolidated limit amount for deriving the breach limit amount e The process of sending of the SMS alert messages is handled by the third party system e The system re uses the following key information for alert generation gt Email ID from customer personal maintenance g
144. e Check Wee ORACLE The amount for which the Check is issued Presented On The date on which the Check is presented in the bank The date as given on the Check Beneficiary The name of the person in whose name the Check is issued 17 3 Savings Checking Stop Payment Report This report gives details of the stop payment details issued on a Check You can invoke this screen by typing CARPSPMT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button amp Savings Checking Stop Payment Report Options Report For All Accounts Selected Accounts Selection Options You can indicate the following preferences for generating the report Report For Select the option Selected Account if you want to generate the Check book details report for a selected account Select the option All Accounts if you want to generate reports for all accounts Account If you have selected the option Selected Account select the account for which the Check detail report has to be generated from the adjoining option list Hine ORACLE Contents of the report The options that you specified while generating the report are printed at the beginning of the report The contents of the Stop Payment Report are discussed under the following heads Header The Header carries the title of the Report information on the branch code branch date the date and t
145. e following means e Select the operation you want to perform by selecting the appropriate radio button in the Fund Selection section e Select the release option either Automatic or Manual in the Option section If you specify an automatic release option specify a To Date 13 2 1 3 Using the Amount Details Section Alternatively you can also choose to retrieve transactions of a particular customer related to a particular customer account or a particular release status uncollected funds or released funds pending authorization You must then use the fields in Amount section to make your specifications for retrieval In this section in any of the fields you must press lt F7 gt to enter a value as a search criterion and then press lt F8 gt to execute the search When you use the Account section to retrieve a transaction the radio buttons in the Fund Selection section are disabled and cannot be used The operation selected in the Release Status field can be performed If you are using the fields in the Amount section to retrieve transactions you can specify the debit or credit account involved in the transaction in the Amount field Any transactions that match your selection are displayed in the lower grid portion of the screen 13 2 1 4 Selecting a Transaction for an Operation After you have retrieved the transaction the following details of the transaction are displayed e The Available Date e The Account pertainin
146. e generated by default whenever the nostro account is the debit account for a funds transfer select the MT 210 Required checkbox in the Customer Accounts Maintenance screen for the relevant nostro account If you indicate so an MT 210 is generated by default whenever this nostro account is being debited during the posting of accounting entries in any transaction This preference to generate an MT 210 by default can be over ridden when you enter a contract involving a debit to the nostro account Once you have specified this preference for a nostro account you can change it whenever necessary For instance if you have not specified that an MT 210 be generated you can unlock the record and specify the generation of MT 210 Conversely if you have specified that MT 210 generation is applicable you can unlock the record and specify that it is no longer applicable Lodgement Book If you have allowed the use of lodgment books for an account class this specification is defaulted for all customer accounts that use such a class You can change the Account Class default and make the required specification If you wish to allow orders of lodgment books for individual customer accounts you can indicate so in the Customer Account Maintenance screen by selecting the Lodgment Book option Euro Checks Euro Checkbook can be issued to a customer whose account has checked for Euro Checks option in the customer account maintenance scree
147. e of a debit rate The interest that you charge on a credit balance is an example of a credit rate A User Data Element will be an amount under the following circumstances e Inthe case of a tier structure the upper and lower limit of a tier or a tier amount e Inthe case of a charge when it is indicated as a flat amount e Any amount that can be used in the definition of formula e When building an interest rule you may have indicated the UDE to be a number if the interest or charge is based on the number of transactions or the number of account statements A UDE under this category can also be used to store a numerical value that may be used in a formula Now for each of the UDEs that are displayed you must specify the values individually If the type of UDE that you have identified for the rule is a Rate element you can either specify a Rate Code or enter a value for the Rate element If you specify a Rate Code for the UDE the value that you have maintained for the rate code will be picked up while calculating interest However if you choose to enter a spread for the Rate Code the appropriate value will be computed A Spread is a positive or negative value that you add or deduct to the value specified for the Rate Code If you do not specify a spread the rate maintained for the Rate Code will be picked up If the type of UDE is an amount the value that you enter will be in the currency that you specified in
148. e system displays values maintained in CIF signatory for the customer number Signatory Name The system displays the corresponding name of the signatory number specified Approval Limit Specify the amount up to which the account signatory can approve for debits Specifying Details for Balance Report Statement The Customer accounts maintenance provides you with the facility to generate balance reports for the customer account These details are defaulted from the account class maintenance performed for the account class category the customer account comes under You can however alter these details utilizing the Customer account maintenance screen A ORACLE To invoke this screen click the Interim Transactions Report button in the customer account maintenance screen You need to specify the details for an MT 941 message Interim Transactions Report Interim Transactions Report Debit Amount a Generate Message pe Rar a ad i ate Message f E a sage Only On Statement Count For The Day nd Year To Date Statement Count SSS Report Transactions Since Of ka Account Balance Li Generate Balance Report Report Transactions Since Of This screen contains the details necessary for the account generation parameters The message details the balance of the customer account that is under a particular account class The account balances indicate the condition of the customer account for an identified time period 3
149. e them The Balance field shows the balance in the corresponding account To remove a selected account row from this list click delete row icon STOP 7 You can have only one primary and one charge account Customers are charged for combined statements Viewing Customer Account Details You can query and view details of your customers through the Customer Accounts Summary screen To invoke this screen type STSCUSAC in the field at the top right corner of the Application tool bar and click the adjoining arrow button oe ORACLE Customer Accounts Summary Authorization Status v Record Status BranchCode LA Account dE Customer Number La customername A Advanced Search Records per page Authorization Status Record Status Branch Code Account Oescription CustomerNumber Currency Account Class No Debits In this screen specify the criteria for the query The criteria can be any combination of the following e Authorization Status e Branch Code e Customer Number e Record Status e Account e Customer Name After specifying the criteria click Search button The system displays all the records that match the criteria specified To view a record in detail double click on it If you do not mention any criteria the system displays all the records when you click Search Balance Statement Handoff The balance statement can be handed off as part of scheduled task under Oracle FLEX
150. e this through the Status Details screen Click the Account Status button in the Customer Accounts Maintenance screen to invoke it Account Auto Closed The system checks this box to indicate that the account has been closed automatically through the auto account closure feature You will not be allowed to modify this Account Derived Status The system displays the current status of the account here This is applicable for CASA accounts current accounts and savings accounts Indicating Other Options Track Receivable During liquidation of loan contracts as well as processing of retail teller contracts if the system detects insufficient funds in the settlement 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 credits As and when a credit happens the funds will be allocated to the loan or retail teller contract for liquidation If the track receivable option is checked for the account the system will track the receivables for the account if sufficient funds are not available in the account The allocation of funds will happen in a sequence that you specify at the account class level This is explained in the section titled Maintaining Account Classes Referral Required Referral refers to the process of handling customer transactions which force the accounts involved in such a transaction to exceed the
151. ecord Status e Product Code e Module e Branch 1i of 1 Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Product Code e Module e Branch 15 5 ORACLE 15 4Running Batches During BOD operations the following batches will be run by the system to identify the suspicious activities in the current account savings accounts and deposits e Significant Balance Change accounts batch CIFTLM e Kiting Report 1 Batch e Kiting Report 2 Batch e NSF or OD Batch 15 4 1 Significant Balance Change Accounts Batch This batch will identify the list of accounts which has a significant balance changes This Batch program will pick up all the accounts for the configured products which cross the threshold balance and populate the same them in a repository For more information on threshold balance and products refer Maintaining Product Tolerance Limit Details section in this chapter 15 4 2 Kiting Report 1 Batch This batch will identify the list of accounts where the deposit turnover ratio crosses the threshold limit The Deposit Turnover Ratio is calculated by taking the sum of all credits for the last 7 day period divided by the sum of the debits for that same 7 day period 15 4 3 Kiting Report 2 Batch This batch will identify the list of accounts where the day total debits is
152. ective o Closed Select this option if the account class transfer is effective Account Number Select an account number if you need to view records based on the account number from the adjoining option list Sequence Number Select a sequence number if you need to view records based on the sequence number from the adjoining option list Amount Specify the amount blocked if you need to view records based on the blocked amount Effective Date Select the effective date of the amount block if you need to view records based on the effective date from the adjoining calendar icon Expiry Date Select the expiry date of the amount block if you need to view records based on the expiry date from the adjoining calendar icon Reference No Select the reference number of the amount if you need to view records based on the reference number The system generated original transaction Reference No of Escrow amount blocks will also be displayed Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status Record Status Account Number Sequence Number e Amount 7 7 ORACLE Effective Date Expiry Date Reference No 7 1 4 Maintaining Consolidated Amount Block Details You can invoke the Consolidated Amount Block Input screen by typing CADAMBLC in the field at the top right corner
153. ed for the billing product will be defaulted here You can choose to change the mode for the specified account under the following scenarios e f Auto is chosen then you have to specify whether the settlement is through a settlement account or through Direct Debit Instruction e Incase you want to raise Direct Debit instruction for the billing invoice amount irrespective of whether the liquidation mode is Auto or Manual you have to maintain the details for Direct Debit details viz Direct Debit Bank Code Account Name and Agreement ID fields e If you choose Manual option then manual liquidation is possible only under the following four modes gt By Cash through retail teller product gt By Clearing through outward clearing product gt By Transfer debit account in CASA module gt By Direct Debit through PC module If the consolidation account is different from the present account then the system uses the liquidation parameters specified at the consolidation account level and liquidation parameters specified if any at this account level is ignored Settlement Account As mentioned above you need to specify the settlement account to enable automatic liquidation of billing For liquidating the billing amount and also for collecting the bill amount the system makes use of the account specified here Maintaining direct debit details If you have maintained the mode of settlement for auto liquidation of bi
154. ed on your own convention Accounting role type is for example the accrual P L or tax payment For creation of role type system uses standard abbreviations across FLEXCUBE x is a number which is the number of the formula for which the accounting role is created If you have maintained more than one formula at rule level FLEXCUBE will default accounting roles for each of your accounting roles Example SAAB ACCR 1 accounting role for accrual pertaining to SAAB product formula 1 for example credit interest accrual which was defined in formula 1 SAAB PNL 2 accounting role for income or expense booking pertaining to SAAB product formula 2 for example debit interest posting against income GL You should select the appropriate accounting role on the Role to head mapping tab Note SAXX BOOK X represents the settlement account where the amount is credited or debited against P L account This role cannot attached to any GL on Role to head mapping screen but it is used while event wise entries are maintained Accounting roles for Sample IC Product with rule ID like CHAV are given below The following accounting roles are available CHAV ACQUIRED INTEREST CHAV ACQUIRED 1 FORMULA 1 CHAV PNL_ADJ 1 CHAV PNL ADJ FORMULA 1 CHAV INCOME EXPENSE A C CHAV PNL 1 FORMULA 1 CHAV TPBL_ADJ 2 CHAV TAX PAYABLE A C FORMULA 2 CHAV TPBL 2 CHAV TAX PAYABLE A C FORMULA 2 CHG_INCOME CHARGES INCOME DORM ACQUIRED INT
155. ed or not If opted for then you may also specify the following e Frequency of combined statement generation e Accounts to be included in the single combined statement Statements of excluded accounts will be generated separately and independently e Monthly fee for Combined Account Statements o ORACLE 3 4 1 Combined Account Statements if opted for will consist of multiple statements listed in the order of their account opening dates However you may change this order by specifying an account as Primary Account The combined statement will then have the primary account listed first Accounts selected for a Combined Account Statement should have the same Statement Preferences relating to production of documents images of checks deposit slips Maintaining Combined Account Statement Parameters All parameters required for generating combined account statements can be maintained in the Combined Statement screen You can invoke the Combined Statement screen by typing STDCMDST in the field at the top right corner of the Application tool bar and then clicking the adjoining arrow button Combined Statement Ref No 000ZCST0531200EB Statement Charge Code Customer Number az Branch Code 000 Sorting Type Account Opening User Defined Account Details Statement ACST Format o Siz Account Number Branch Code Primary Account Charge Account Balance 1 az go Oo Cycle Day y Cyc
156. ed the system automatically updates the amount block Check in the Customer Accounts table Example If the balance in an account is 1000 currency units and the amount block defined is 500 currency units the actual funds available for withdrawal is only 500 units An override will be required if the customer withdraws a higher amount When a debit to a customer account is made where the transaction amount exceeds the available balance in the account the system asks for an override Amount blocks are maintained in the Amount Block Maintenance table 7 1 1 Defining Amount Block Reasons Whenever you impose an amount block hold on customer accounts a valid reason can be assigned for having effected the hold You can define these reasons using the Hold Maintenance screen 7 1 ORACLE You can invoke this screen by typing CODHOLDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Hold Maintenance Hold Type Hone blaker Date Time Mod Mo Checker Date Time Record Status Authorization Status You can capture the following details here Hold Code Specify a code for the amount block reason you are maintaining in the system The Hold Code can be a maximum of 15 characters alphanumeric type in length Hold Description Provide a brief description of the hold code Hold Type In case you are defining amount hold reasons
157. eft padded with zeroes If you enable this option the instrument numbers will be prefixed by zeroes By clicking Status button you can view the status of each instrument Ft Upload As discussed earlier Oracle FLEXCUBE offers you the facility to print a consolidated Check for a counterparty module and instrument type combination If you choose to print a consolidated Check you are also required to keep a track of the individual amounts that have contributed towards the consolidated Check You can do a Ft upload to achieve this When the upload is run the suspense GL is debited for the consolidated amount to credit the miscellaneous GL Ft Upload Account discussed later Internally the system provides the break up of the consolidated amount 13 2 ORACLE 13 1 2 The Ft Upload function is run after the consolidated Check is printed You can configure the upload function to be run as part of the EOD process Only on selection of the FT Upload option the following fields are enabled FT Upload Product You can associate an Outgoing Ft product to all the transactions that need to be uploaded When the upload function is run at EOD the system creates a corresponding Ft Contract Reference Number for each transaction and stores it internally Therefore all the uploaded contracts will be identified by the Ft Cont Ref No in addition to the original Cont Ref No If you reverse the original contract the system displays the corresp
158. ent The corresponding amount for the account currency will be defaulted However you can modify the amount defaulted If the amounts are not defined at the account class for the currency in which the account is being created no defaulting of amounts shall be done Minimum Credit Amount Specify the minimum transaction amount for the credit transaction to be eligible for reporting in the interim statement However you can modify the amount defaulted If the amounts are not defined at the account class for the currency in which the account is being created no defaulting of amounts shall be done Daily Statement Count Specify the count of interim statement generated during the day In case a statement is scheduled to generate but is not generated because there is no movement the counter will not be incremented The counter will be reset at End of Day Year to Date Statement Count Specify the count of interim statement generated for the account since start of the financial year The financial year will be as defined in the Accounting Period maintenance This counter would be set at the end of year Generate Balance Report To indicate that the customer account is considered for generation of its balance message check this box Of Select the mode of message for balance generation from the option list Report Transaction Since This section lists all the transactions the customer account has undergone in the interval of balance me
159. ent Report Account Selection Type One Account Statement Type Brief O Multiple Account O Detailed O Range Date Range From Date Single Account Account Number az Account Currency az Charge Fixed Charge wt Booking Dated C Show linked Ac Details Value Dated Select Multiple Accounts i Print Options G View L Account Mumber Server Spool From Account Number From Account Currency az To Account Mumber To Account Currency You can indicate the following preferences for generating the report Account Selection Type You have to indicate the account selection type of the customer The options available are e One Account e Multiple Account e Range Statement Type You have to indicate the statement type of the customer The options available are e Brief e Detailed uot ORACLE Date Range You can indicate the following From Date Specify the date from when you are generating this report To Date Specify the date till when you are generating this report Single Account Account Number Specify the account number The option list displays all valid account numbers Choose the appropriate one Account Currency Specify the account currency The option list displays all valid account currencies Choose the appropriate one Charge You have to indicate the type of charges The options available are e Null Select this option If statement needs to be generated devo
160. er Account Number for which advice is generated Account Identification oO Effective date of New interest rate in YYMMDD format New Interest Rate 1 a12d Indicator C or D 37H depending on whether new interest rate is a credit or debit rate amp New interest rate in decimal comma format 72 Sender to Receiver 6 35x Information M Mandatory O Optional Effective Date of New Rate oO A rule identifies the method in which interest or charge is to be calculated An interest rule consists of System Data Elements and User Data Elements ee ORACLE When you apply a product on an account while defining special conditions for it interest for the account will be calculated according to the interest rule that you have linked to the product That is you merely define the following e how the principal should be picked up from the account e the period for which you want to apply interest e the type of rate not the numeric value that should apply You now have to specify the numeric values of all the UDEs that you identified for the interest rule The value that you specify here will be used to calculate interest for the account All the UDEs that you have identified for the rule to which the product is linked will be displayed here The UDEs that are displayed here can be of four types They are e Credit Rate e Debit Rate e Amount e Number The interest that you charge on a debit balance is an exampl
161. er the chapter Maintaining Interest Rules in the Interest and Charges User Manual You can maintain rules for the following e Interest on Saving and Current Bank Accounts for Retail Customer e Debit Interest on Current Accounts 18 1 ORACLE e Interest on Current account for Corporate Customer e Interest on Saving and Current Bank Accounts for Retail Customer e Charge as Dr Interest when the balance is Less than minimum average balance e Dormancy Charge 18 2 1 Interest on Saving and Current Bank Accounts for Retail Customer Specify the following details On Account Opening Month Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e DAYS e VD DLY CR BAL M o YEAR e VD DLY DR BAL M UDE Maintain the following UDEs User Defined Elements Type NORMAL_RATE1 Rate NORMAL_RATE2 Rate NORMAL_RATE3 Rate NORMAL_RATE4 Rate AMOUNT1 Amount AMOUNT2 Amount AMOUNT3 Amount TAX1 Rate Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen Formulas me Formula Number 1 DebitiCredit Debit 14 Book Flag Booked v C Accruals Required Days in a Month Actuals ov C Interest Method Default From Currency Definition Tax Category Tax Description Calculation Parameters Booking Basis Percent _ Book Tax To Expense
162. ering a Start and an End Date Remarks Exchange Rate Variance particulars for any currency conversion is involved the extent of variance that will be allowed without requiring an override the extent beyond which the transaction will not be allowed the rate code and the rate type 10 1 2 Specifying Accounting Entries and Advices for Events Click Accounting Roles button to invoke the Product Event Accounting Entries amp Advices Maintenance screen For PDCs accounting entries can be maintained for the following events e INIT Contingent entries if required are to be maintained for INIT Charges can also be linked to this event e LIQD Liquidation entries for the PDC and reversal of contingent entries are to be maintained for this event Charges can also be associated with liquidation e CANL Cancellation charges for the PDC can be maintained here If contingent entries have been passed the reversal entries also need to be specified here Click Accounting Roles button to invoke the Accounting Roles screen 10 3 ORACLE Accounting Roles Product Code Product Description Class Details Default From Class Class Code Class Description d Accounting Role Role Description Account Head GL Description The necessary accounting entries are mentioned below Select the appropriate accounting roles amount tags and Debit Credit indicators for each leg of the accounting entry Acco
163. ers for the account using the Billing Parameters screen To invoke this screen click the Billing Parameters button in the Customer Accounts Maintenance screen 4 Biling Parameters Branch Code oo Account Consolidating Branch Consolidating Account C H Consolidating Currency Biling Liguidation Auto Settlement Branch Settlement Account YT Settlement Currency Direct Debit Payable Bank O0 H Biling Details Wo Biling Product mi IH You will have to maintain a set of parameters for the billing module While settling or liquidating the bill the default parameters that you have maintained for the account involved in this module will be used The screen also displays the Product Code and Description of all Billing Products applicable to the account Consolidating Account You can specify a consolidating account for the given account From the option list you can choose a ORACLE e A different account number if you want to consolidate the charge under this account to a different account The Consolidation account selected for this account should be in the same currency as this account It also has to belong to the same branch as the specified account e The same account to indicate that there is no consolidation and an individual billing invoice is to be raised on this account Billing Liquidation You have two modes of liquidation i e Auto or Manual The preference you have maintain
164. escription The system displays the description for the transaction code that you have specified Dr During transaction processing the system will validate whether any restrictions are placed on the account based on either product and or transaction code If you have indicated to allow debit transactions for the product ABCD and attempt to post a credit entry the system will seek an override You can continue the transaction despite the restrictions by providing appropriate reasons for the same During maintenance or online operations in the respective contract screens for the restricted transactions when you specify the customer account the system checks whether the account is restricted for the product that has been selected or the debit credit transaction type If so an override is sought when such contracts are saved Cr During transaction processing the system will validate whether any restrictions are placed on the account based on either product and or transaction code If you have indicated to allow debit transactions for the product ABCD and attempt to post a credit entry the system will seek an override You can continue the transaction despite the restrictions by providing appropriate reasons for the same During maintenance or online operations in the respective contract screens for the restricted transactions when you specify the customer account the system checks whether the account is restricted for the product t
165. essssssssssrrrrrrrrrrrrrrrrrrrrrrrrrn 15 5 15 4 RUNNING BATCHES scveciveccvestacedeasvacsseachoudiesadeasesoebacsewatededSbacteeawesexdasenontncedoutwiadihosseeauesvadavenentacsdeatetenteechdes 15 6 15 4 1 Significant Balance Change Accounts BatCh ooooeeeeeeeeeeeeessseesssssssssssrssesssererssserererrrerererrrn 15 6 IId King Repor I BON SRE r in T E ee ee ere eee eer ee eee ere ee eee 15 6 Tda Kiuno Report 2 BOCI SE ee ee eT eee ee nn ee er eee eer eee ee rT eee 15 6 15 4 4 Non Sufficient Fund or Overdraft NSD or OD Batch o oo 15 6 5 5 ACEI AIING Fe BRO VS errain AAA EEANN iss in NATAT 15 6 15 6 MAINTAINING SUSPICIOUS ACTIVITIES REPORT DETAILS ccccscescecceccccescecceccscescesceccecescescescscescascescess 15 7 15 7 VIEWING SUSPICIOUS ACTIVITIES REPORT SUMMARY DETAILS cccscssceccecceccsceccecceccscescescecescescsceses 15 11 16 GLOSSARY aoina a 16 1 lOl INTPORTANT FRM soaceccsecacecsceseccctiecdexsasenscencacnasenscwancaeieudinoaseweeeseannsseniiwaneneaieudenbasawseceaccaieasineboabebextceteare 16 1 17 REPORTS o E E E 17 1 We INTRODUCTION gece cacche See eee E a a a E E ewe asin eu ese a a O a N 17 1 17 2 CHECK BOOK DETAIES REPORT sipcissiccniciceceintvninsnianseeadeiaSseedniexs hesiseadaceunicanbaddvaedseanoeuanesevesdadaesersbeddcaedseesnieaxbeees 17 1 17 3 SAVINGS CHECKING STOP PAYMENT REPORT cccceccecceccccescueccecceccuccescescesceecteccescescesceecueceeseussuscuscueces 17 3 WA C OSTOMER STATISTICS opens sce c
166. est product on the account To recall every interest product that you create is linked to an interest rule The logic to calculate interest is built into an interest rule When you apply an interest product on the account interest for the account will be calculated according to the interest rule definition For the account for which you are defining special conditions choose the product s that you wish to apply To recall you can define a Special Condition for an account only if the account class of the account has a General Condition defined for the product Thus the picklist from where you select the product for which you want to define a Special Condition will contain products that satisfy one of the following conditions e a General Condition has been defined for the product and account class combination e the product has been defined as a special conditions only product The interest rule that is linked to the product s will determine the interest that is applied on the account You may want to apply more than one interest product on an account For example you may want to pay credit interest on the credit balance maintained in a current account and levy a debit interest if the account lapses into a debit balance In order to achieve this you would have to apply two products one defined for credit interest and another defined for debit interest In this screen you can choose the interest products that you want to apply on an account
167. esutuababeedeecenes 13 11 ORACLE 13 3 INTRA DAY RELEASE OF UNCOLLECTED FUNDS c csceccsceccececcsceccececcecececeecesescestscesescecescesesceceseececs 13 13 13 3 1 Querying for Details On Overdrawn ACCOUNES ccccccccc cece cc cece E EERE EEE 13 14 14 OVERDRAFT CHARGE REVERSAL sessesesccsesecseseseoscsesecseseoscseseosesececseseosesesecseseoscsesecseoseseseosesesecses 14 1 14 1 1 Maintaining Upload Source Code for OD Charge Reversal 14 2 14 1 2 Maintaining Upload Source Preferences for OD Charge Reversal 14 3 14 1 35 Maintaining Batch Reservation for OD Charge Reversal 14 3 TAD INIERFACECIEBARINGO DETAILS ces eset ece enna A E aueek nica tates Gaba asacediechanted 14 6 15 SUSPICIOUS ACTIVITY RE POR US sesivcerecicsspcscccivecoslaseiecatcacevoctasenszssctencestasedsesssasscscsacuasanostescesiesennceens 15 1 EL DEOD T N eee ne ees een ee eee eee eee eee ee 15 1 15 2 PROCESSING SUSPICIOUS ACTIVITIES aerie AEE 15 1 Be IAIN PA RS orenian A a TRET 15 1 15 3 1 Maintaining Product Tolerance Limit Details 0oooooeeeeeeeeeeeeesessnnnnnnrrrrrrrrrrrrrrrrrrrrrrrrrrn 15 1 15 3 2 Viewing Product Tolerance Limit Summary Details oooooeeeeeeeeeeeeeeeesesesesssssssrrrrrrrrrrrrrrrrrrrn 15 2 15 35 53 Maintaining Deposit Turnover Ratio Details ooeeeeeeeeeeeeeeseeesssssssssnnnnnnnnrrrrrrrrrrrrrrrrrrrrrrrrrrrrrn 15 4 15 3 4 Viewing Deposit Turnover Ratio Summary Details ooooeeeeeeeeeeeeeeeeee
168. event the effective date input should be within a month of the account opening date o The rate change is limited to the fixed rate change IC interest products and not to the floating rates You can use the following format in generating Certificate of Deposit interest rate change advice UDECA B Interest Component Change Advice CUSTOMER CUST_ _CUST NAME _ _ADDR1_ _ADDR2_ oe ORACLE _ADDR3__ _ADDR4_ BRANCH _BRN_ ACCOUNT _ACC_ _DESCRIPTION CURRENCY _CCY_ PRODUCT _PROD_ PRODDESC_ Rates and other interest components have been changed The details are Element Existing Value New Value LOOP _RCDATE_ _UDE_ _OLDVAL_ _ NEWVAL _ ENDLOOP EB For details on advice generation please refer the chapter titled Maintaining Advice Formats in the MS user manual under CORE module Waive Product Check this box if you want to waive of a particular interest or charge product that has been specified Open More than one product may be applicable on an account class at the same time You can temporarily stop applying a product on an account class by closing it oe ORACLE You can achieve this by un checking the box Open The product will cease to be applied on the account class You can make the product applicable again by checking the Open box Effective Date The Effective Date of a record is the date from which a record takes effect You can maintain different values for a UDE for diffe
169. for automated system hold select the hold type from the adjoining drop down list The available options are e Salary Hold e Overdue Hold e Guarantor Recovery Hold e External Deal Hold e None Except None for all other Hold Types mentioned above only one Hold Code each can be maintained in the system ie ORACLE 7 1 1 1 Viewing Hold Code Summary You can view a summary of Hold Codes maintained in the system using the Hold Summary screen You can invoke this screen by typing COSHOLDT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Hold Summary Authorization Status Record Status Hold Code Hold Type Advanced Search Records per page Authorization Status Record Status Hold Code Hold Description You can query on records based on any or all of the following criteria e Authorization Status e Hold Code e Record Status e Hold Type Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Hold Code e Hold Description e Hold Type m ORACLE 7 1 2 Maintaining Individual Amount Blocks You can maintain amount blocks on individual accounts of a customer using the Amount Block Input screen You can invoke this screen by typing CADAMBLK in the field at the to
170. from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions VD_DLY_DR_BAL_M VD_DLY_DR_BAL_M NORMAL_RATE2 DAYS YEAR 100 gt AMOUNT3 VD DLY DR BALM VD_DLY_DR_BAL_M NORMAL_RATE4 DAYS YEAR 100 lt AMOUNT3 18 2 6 Charge as Dr Interest when the balance is Less than minimum average balance Specify the following details On Account Opening Month Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e MIN BAL REQD e MON AVG BAL UDE Maintain the following UDEs User Defined Elements Type AVSLAMT 1 Amount AVSLAMT2 Amount AVSLAMT3 Amount AVSLAMT4 Amount AVSLAMT5 Amount CHGAMT 1 Amount CHGAMT2 Amount CHGAMT3 Amount CHGAMT4 Amount CHGAMT5 Amount TAX3 Rate Get Latest For each of the UDEs select the option Use Effective from the adjoining drop down list Click Formulas button and invoke the Formulas screen You need to maintain one booked formula and one tax formula Formula 1 Specify the following details Book Flag Select Booked from the adjoining drop down list 18 18 Pe
171. from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation No of Consecutive Days Specify the number of days for which the transactions need to be considered for report generation The generated report will contain the following elements Field Name Field Field Name Description Account No Account STTM CUST ACCOUNT CUST AC NO Number 2 Account Name of STTM CUSTOMER FULL_NAME Name account holder 3 Account Type Account STTM ACCOUNT CLASS AC_ CLASS _ TY Type PE whether it is DDA or COD or SAV Officer Checker AUTH_ID User Name Yesterday s Total credits Sum of yesterdays credit s where total credits of yesterday ACTB_HISTORY DRCR_IND C Total s today Total credits Sum of today credits where credits of Today ACTB_HISTORY DRCR_IND C Current Current STTM CUST ACCOUNT ACY CURR_BA Balance Balance LANCE 17 17 ORACLE 17 9 Field Name Field Field Name Description Debits Today Total debits Sum of today debits where of Today ACTB_HISTORY DRCR_IND D OD Limit Over Draft STTM_ CUST ACOUNT TOD_ LIMIT Limit 1 No of days No of days Consecutively should be on report included Non Sufficient Funds or Overdraft Report 10 1 This report will be generated only if customer account s current balance is lesser than Zero It should be generated daily or Ad hoc basis You can inv
172. fy whether you want a detailed or summary statement or if you do not want a statement for this account at all Cycle You can specify the frequency for generating the account statements To specify the frequency of the statements click on the adjoining drop down list The following list is displayed e Annual e Semi annual 3 60 ORACLE e Quarterly e Monthly e Fortnightly e Weekly e Daily On For a weekly statement you specify the day of the week on which account statements should be generated and for fortnightly and monthly statements the dates of the month To specify for weekly statements click on the adjoining drop down list The following list of days will be displayed Monday e Tuesday e Wednesday e Thursday e Friday e Saturday e Sunday To specify for monthly statements enter a number between 1 and 31 corresponding to the system date If you set the statement date to 30 then account statements will be generated on e The last working day for months with lt 30 days e For months with 30 days on the 30th if 30th is a holiday on the next working day If you set the statement date to 31 then account statements will be generated on e The 31 for month with 31 days if 31st is a holiday on the next working day e The last working day for months lt 31 days For a fortnightly statement you could specify 1 and 15 For all other cycles account statement will be generated on the last day of that
173. g information details Type Select one of the following to indicate the advertising information type e Branch Advertising Information at the Branch level e Account Class Advertising Information at the Account Class level Branch Code Account Class Specify the branch code or account class for which advertising information is to be maintained The adjoining option list displays all the valid branch codes class codes along with their description maintained in the system Select the appropriate one Advertisement Enter the advertising message which should ideally be of 200 characters in length Dre advertising information maintained for the branch and the account will appear in the account statement format ACST DETAILED for the tags ADVINFOBR_ and ADVINFOACLS _ respectively e ORACLE 9 3 9 3 1 Click on save icon to save the details maintained in this screen Click on cancel button to cancel the same Specifying Format of Account Statements Oracle FLEXCUBE offers you a format on the basis of which you can maintain a layout for account statements to be generated The maintenance form shown below offers you the flexibility of maintaining format details like the lines per page and columns per page according to your requirements as also to maintain the tags required for populating the details The system generates account statements including ad hoc account statements according to the maintenance provided by you You
174. g to the specified Uncollected Fund e Reference Number e Amount of the transaction e Release details such as the user that released the transaction and time of the release 13 12 ORACLE In the list Check the Select box in the row of the transaction for which you want to perform the selected operation and then click Exit button 13 2 1 5 Making uncollected Funds available before the Available Date You can use the Uncollected Funds Manual Release screen to indicate that uncollected funds must be made available before the available date In this screen you must first display the record of the transaction with uncollected funds unlock it and make funds available on the application date in the manner described above The system sets the available date for such a transaction as the application date thereby ensuring the release of funds 13 2 1 6 Changing the Available Date for a Transaction with uncollected Funds 13 3 In the Uncollected Funds Manual Release screen you can also choose to change the available date for a transaction with uncollected funds To do this you must first display the record of the transaction with uncollected funds unlock it and specify a new available date in the Available Date field The system sets the available date for such a transaction as the new date you have specified You can only specify a future date when you are changing the available date for a transaction with uncollected funds
175. gh the Product Tolerance Limit Summary screen You can invoke this screen by typing CASPTLM in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button ae ORACLE Product Tolerance Limit Summary Authorization Status Record Status Branch Module az Product Code Product Description H Tolerance Limit Ccy Equal to USD Advanced Search Records per page Ea Authorization Status Record Status Branch Module Product Code Product Description Tolerance Li You can query on records based on any or all of the following criteria e Authorization Status e Record Status e Tolerance Limit USD e Product Description e Product Code e Module e Branch Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Tolerance Limit USD e Product Description e Product Code e Module i ORACLE e Branch 15 3 3 Maintaining Deposit Turnover Ratio Details You can maintain deposit turnover ratio for the specific product through the Deposit Turnover Ratio Maintenance screen You can invoke this screen by typing CADPDTR in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button gt Deposit Turnover Ratio Maintenance Deposit Turn Over Ratio Branch iodule
176. greater than day s current balance less day s and yesterday s credits 15 4 4 Non Sufficient Fund or Overdraft NSD or OD Batch This batch will identify the list of NSF or OD accounts and store in a repository 15 5Generating Reports During the day or at the end of the day you may want to retrieve information on any of the several operations that were performed during the day in your bank You can generate this information in the form of reports in ORACLE FLEXCUBE You can generate the following reports e Significant Balance Change accounts Report e Kiting Report 1 15 6 ORACLE e Kiting Report 2 e NSF or OD Report For more information refer the section Reports in this chapter 15 6 Maintaining Suspicious Activities Report Details Based on the generated reports the list of accounts that are involved in suspicious activities can be identified and maintained in the Suspicious Activity Report Detailed screen You can invoke this screen by typing CADSARM in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Suspicious Activity Report Detailed Branch H Initial Date 2003 03 31 Suspect Customer ID Modification Date 2008 03 31 Suspect Status v Suspect Information Full Name Short Name SSN TIN Date Of Birth Date Reported to GOV A _ Suspect Information Unavailable SAR Reason Account Information Acco
177. gust in that case the value in the current cycle field will be extracted on the statement cycle date i e 17th of September The current cycle field will be updated with the value in the next cycle field on the BOD of 18th of September Check Image Specification This field gets enabled only if you select I for check disposition In that case the available values under it are e F Front of check e D Front and back of check On the other hand the check Image specification gets disabled when you select the R T and S values for check disposition respectively Check Image Count This gets enabled only when you select I in check disposition 1 10 values are available under check image count It remains disabled when you choose R T and S values for check disposition respectively Enclosure Count The system automatically generates the enclosure count or the number of checks returned on BOD of the primary account statement cycle Mail code Select one of the following mail code values from the drop down list e D Donot print e P Print and mail e N Print but do not mail e F Foreign Postage print and mail e S Special Handling i e multiple copies of a statement to go in the same envelope Electronic Statement Check this box if you need electric statement lied ORACLE Create CD ROM Check this box to create CD ROM oracle Flexcube provides the documentation identification number
178. h This will be mandatory and has to comply with length of 9 characters and MOD 11 validation if the value of the UDF Clearing A C Mandatory is maintained as YES in the Field Name to Value Definition screen However you can choose to change this number here and the system validates this number with the account mask you have maintained for the branch IBAN Account Number To capture the detail of the IBAN account for a specific customer you have to enable the IBAN Required option by enabling it Subsequently click the M button The IBAN details sub screen will be displayed In this screen you can capture the IBAN Account Number as well as the bank code of the bank where the IBAN account resides The bank code and account number that you specify in this field will be validated against the Bank Code and Account Number masks maintained in the Branch Parameters screen If the account Number that you capture is less than the length of the mask and the mask happens to be numeric the system automatically appends a zero to get the required length After you specify the Bank Code as well as the Account Number the system calculates the check digit based on the Country Code Bank Code and Account Number combination Legal Title Specify the legal title of the customer The adjoining option list displays all the authorized and active legal titles maintained in the system You can choose the appropriate one Orre system will p
179. h the charge should be levied Select one of the following options from the option list e Mail e Telex e SWIFT e Fax Indicating the Mail Code Details of the Customer Mail code is the return code assigned for the mails statements sent to the customer upon their return as invalid You need to specify the following mail code details Mail Code Specify the mail code The adjoining option list displays all active mail codes maintained in the system You can choose the appropriate one This mail code will be printed on all the communication sent to the customer s address Mail Code Description When you select the mail code the system populates the corresponding description of the selected mail code Statement Date Enter the statement date Communication Enter the communication related remarks if any Orn case of multiple accounts for a customer a single mail code will be attached across all the accounts belonging to the customer id ORACLE Status Details The account status reflects the status of the account The account may have a No Credit or No Debit order issued against it or a Stop Payment order or it may have been frozen for some reason and therefore dormant While posting transactions to the customer account the system checks the status of the account before the entry is processed If the status of the account is dormant then the system will display an override message indicating the same No Debits
180. h this stop payment should remain effective e Any remark applicable to this stop payment It could be the purpose for which it has been enforced Maintaining Stop Payment Instructions Any number of stop payment instructions can be maintained for an account With each stop payment instruction enforced on an account the system displays the stop payment number This number denotes the number of the current stop payment records being maintained for this account For maintaining details of stop payment instruction the following parameters need to be maintained ORACLE Account Number Specify the account number of the account for which you wish to enforce a stop payment The adjoining option list displays the list of account numbers maintained Highlight the customer s account number for whom you are entering details Stop Payment type This refers to the basis for the Stop Payment Instruction and can be any one of the following e An amount e Check No e Both amount and Check When an amount is stopped for an account for a particular period and when any debit transaction is triggered for that account with that stopped amount during stop payment period system will throw an override to you There is a stop payment for a check with this Amount Proceed You may confirm with the customer and decide whether to proceed or reject the transaction The stop payment type will be both when a stop payment is made using both type for an
181. harges section of the ARC Maintenance e The details of the charge such as currency and the transaction code used to post charge entries and whether netting is required The amount of the charge is computed by the system and displayed You can choose to alter the charge amount here 11 4 5 Processing Outward Clearing Instruments When you liquidate outward clearing instruments you need to enter the following details e The charges being collected on behalf of the collecting bank e The collection bank accounts You only need to specify these details if your bank is collecting charges on an outward clearing instrument on behalf of the collecting bank as specified in the ARC Maintenance 11 5 Exempting Tax on Interest Earned on Deposit Accounts Deposit Interest Retention Tax DIRT is payable on interest on deposit accounts Customers belonging to certain customer categories for example charities and non residents can be exempt from paying DIRT a ORACLE Refer to the user manual for the Tax sub system for details on exempting interest earned on Current and Savings accounts from DIRT 11 12 ORACLE 12 Annual Percentage Yield for Savings Checking Accounts 12 1 Introduction Oracle FLEXCUBE allows you to calculate the Annual Percentage Yield APY on customer accounts and display the APY on account statements so as to enable your customer to compare interest rates offered by different banks In order to enable
182. hat has been selected or the debit credit transaction type If so an override is sought when such contracts are saved Specifying Currency Limits Details You can specify restrictions for the account using the Currency Limits Details screen To invoke this screen click the Currency Limits button in the Customer Accounts Maintenance screen om ORACLE amp Currency Limits Details Branch Code ooo Account Currency Limits Details C currency Cr Lint Amt Dr Lint Amt Account Number The system displays the customer account for which PC limits are being maintained Currency Specify the currency in which the auto exchange limits should be maintained The adjoining option list displays the currency codes maintained in the system You can choose the appropriate one Cr Lmt Amt Specify the credit limit amount in the chosen currency Dr Lmt Amt Specify the debit limit amount in the chosen currency 3 2 7 Specifying MIS Details You can capture Management Information System details for the account using the Management Information System screen To invoke this screen click the MIS button in the Customer Accounts Maintenance screen ee ORACLE Management Information System Branch Code J000 Calc Method Account Rate Type Fixed S d MIS Group Ex ose Default MIS Group Pool Code _ Link to Group Account Level Rate Code
183. he limit upto which any overdraft is allowed for a specified time period over and above the limit set for this account a ORACLE This limit is independent of any credit line linked to this account This is mostly used for short term overdrawing Sublimit The sub limit represents that portion of the total credit amount that can be used by this customer account The sub limit need be input only when the account is to be limited to a portion of the available line amount While passing transactions to an account with a sub limit the first credit check made is against this sub limit amount If the sub limit is crossed you will be asked for an override Uncoll Funds Limit The uncollected funds limit represents the credit transaction amounts that have not been collected as of the current day You can set the limit upto which withdrawal is allowed against uncollected funds The uncollected opening balance is reset with the current uncollected balance amount during the EOD process This amount is to be considered when calculating Central Limit availability Offline Limit This is the limiting amount till which transactions will be carried out between account s for the account class you are defining here between branches when the database connectivity is not functional Daylight Limit The daylight limit is the limit up to which an overdraft is allowed for the business day The daylight limit will be added to temporary overdraft to ca
184. he payment reference number Order Type Select the order type from the adjoining drop down list This list displays the following values e Stop Payment Order e Revoke the Authorization e Stop Payment ACH direct debits ORACLE Customer Number Specify the customer number who instructed the bank for stop payment The adjoining option list displays the customer numbers that are maintained in the system You can select the appropriate one Account Branch Specify the branch to which the instruction was given The adjoining option list displays the account branches based on the customer number selected You can select the appropriate one Account Number Specify the account number of the customer The adjoining option list displays the account numbers based on the customer number selected You can select the appropriate one Transaction Amount Select the transaction amount from the adjoining drop down list This list displays the following values e Exact match of amount e Amount range from and to amount e Amount gt certain amount e Amount lt certain amount e ALL From Amount Specify the amount from which the payment is to be stopped This field will not be applicable if you have selected All in the Transaction Amount field To Amount Specify the amount up to which the payment is to be stopped This field will be applicable only if the transaction amount falls within the amount criterion range
185. he record authorization This notification message can be sent to any external system if required a ORACLE 3 1 1 Invoking Customer Accounts Screen Invoke the Customer Accounts Maintenance screen by typing STDCUSAC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Accounts Maintenance Branch Code 000 Customer Number at Old Cif Account Customer Name Currency Account Class SD User Reference WEE Auxiliary Beneficiary Description Statuses Mail Code Details Account Type No Debits Mail Code No Credits Mail Code Description Stop ime Country Code Stop Payments Statement Date Mode Of Operation Dormant Communication Frozen Posting Allowed Account Open Date Status Change Automatic Alternate Account Number No OverDraft Clearing Bank Code Status Details Clearing Account Number IBAN Account Number Propagate Reporting Details Legal Title Account Auto Closed Address Account Derived Status OverDraft Available Options Track Receivable Location Referral Required Media IBAN Required Dormancy Parameters Credit Replicate Customer Signature Debit Salary Account Manual APY Required Any Waiting Period Turnover Limit Preferences Debit Waiting Period in day 0 Turnover Limit Code S OD Waiting Period in days 0 Override Waiting Period interest Charges Consolidated Cha
186. hich the block has been enforced Maintaining Consolidated Amount Blocks lf you are maintaining consolidated amount blocks for the first time for a customer account you need to select the name of the customer from the option list provided On selection of the customer all accounts maintained for the customer that are available in the current branch will be displayed in the middle section of the screen along with existing amount block details if any Select an account to view all the individual amount blocks for the selected account in the lower half of the screen To create a new amount block click add icon The sequence number for each amount block will be automatically created by the system Maintain the following parameters for the amount block Amount Specify the amount that you would like to block in the account When an amount block is set for an account the balance available for transaction would be the current balance of the account minus the blocked amount Whenever a customer account is debited of an amount that exceeds the available balance in the account the system asks for an override Note that the available funds in a blocked account will always be shown to be the current balance less the amount block The Blocked Amount field in the middle section of the screen will display the sum of all the amount blocks placed on the account You can raise the blocked amount for an account On authorization the Custo
187. hoice as displayed on the screen You can issue the Euro Check book to a customer whose account specifies for a Euro Checks option in the customer account maintenance screen Order Date This is the date on which the customer placed a request for a new Check book 5 2 ORACLE Issue Date This is the date on which the Check book was issued to the customer Order Details Against order details you can enter any detail such as the name of the person who has collected the book on the customer s behalf or the details of any special request for additional number of leaves in the Check book and so on After having made the required mandatory entries and having saved your work your user ID will be displayed at the made by field at the bottom of the screen the date and time at which you saved the product will be populated However the authorization status will remain blank which means that your entries have not been authorized by a user other than you Status remains open or closed depending upon the status of the record Request Status Select the status of the Check book request from the adjoining drop down list This list displays the following values e Requested e Generated e Delivered e Destroyed Request Mode The system displays the mode by which the Check book request was made This list displays the following values e Oracle Flexcube e Any other external system Language Code Select the language c
188. i 11 4 11 4 1 Viewing the Accounting ENtri s ccccccceccce cece eee e cece eee e a eee aaa a aca aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaeaeeeas 11 8 11 4 2 Charges for the INStrument ccccccccccccccceeceeeeeeeeeeeee eee e ease ease aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaeeeeeeeas 11 8 UG Se Re CCR ear 1D ge ee me RCT EET ere 11 9 PEAS Charges forthelnsirument acct sacle ce estat ai EEEE EREET Eiai 11 10 11 4 5 Processing Outward Clearing INStruments cccccccccccccccccsccccccccccccescsscececeeeeesceeeeeseeseeeseeeeeeeeseeeeeeess 11 11 11 5 EXEMPTING TAX ON INTEREST EARNED ON DEPOSIT ACCOUNTS cccceeeesesseneeeeeeeeeessnneeeeeeeeeeennaaees 11 11 12 ANNUAL PERCENTAGE YIELD FOR SAVINGS CHECKING ACCOUNTS eeeessssssssosccccccseses 12 1 e TIRT OOU O a R E E E E A E A E E S 12 1 13 INSTRUMENT TYPE MAINTENANCE AND CONSOLIDATED CHECK PRINTING 13 1 Loe sd 30 B12 Oi LG ee T S ee 13 1 Us Ay Defmine lnstumeni TYPES serea a E E E a E ee ere eee 13 1 13 1 2 Viewing the Check Leaf Number and Status oeeeeeeeeeesssssesssssssssssssssrrrrrrrrrrrrrrrrrrrrren 13 3 P D E S E E E TA EE AS 13 4 A P O are ee E E E ee EE E 13 5 13 1 5 Associating an Instrument Type with a Settlement Instruction ooeec 15 5 l4 MIO and MTT L1G CRC AION cererii e iE e tioii irie Aa eiia deneda einna Eia ATE oein 13 6 13 2 MANUAL PROCESSING FOR UNCOLLECTED PUNDS sacevsisedeceorsndnezerentssnaatvenavsseedesconseduovenandueed
189. icate that the account holder needs to be provided with a Passbook and ATM facility Although these specifications are defaulted from the account class screen where you had maintained these specifications for all accounts belonging to a class the options specified at the account level will supersede that specified for the account class Check If checked indicates that this account holder can avail of a check book facility This shall be defaulted from the Account Class screen where you had defined this facility for all accounts belonging to a class The option specified at the account level will supersede that specified for the account class ante ORACLE 3 1 7 1 3 1 7 2 Passbook If checked indicates that this account number can avail of a passbook facility This shall be defaulted from the account class screen where you had defined this facility for all accounts belonging to a class The option specified at the account level will supersede that specified for the account class ATM If checked indicates that this account number can avail of an ATM facility This shall be defaulted from the Account Class screen where you had defined this facility for all accounts belonging to a class The option specified at the account level will supersede that specified for the account class Specifying Beneficiaries First Beneficiary You can nominate two persons who would have the right to the balances in your account after the ac
190. ich the PDC is issued This is for information only Currency The currency in which the charge should be calculated Activation Date Enter the date on which the PDC becomes a normal Check that is the maturity date of the PDC or the loan linked to PDC Therefore this can also be viewed as the value date of the normal Check The value that you enter here is validated as per the holiday treatment maintained at the PDC product level This date should be greater than or equal the current date amp less than the end date specified for this PDC product Location of Check Specify the location where the PDCs are held till activation This is for reporting purposes only Actions allowed in the PDC Online screen e Add Entering details of anew PDC 10 12 ORACLE e Unlock Changing details of an unprocessed PDC You can only modify an unauthorized and unprocessed PDC If during modification you change the amount activation date currency remitter account number or charge payable details then the contingent entries passed during initiation gets deleted and new entries are passed based on the modification done e Delete Deleting a PDC prior to its first authorization e Reverse Reversing a PDC that has been liquidated Contingent entries passed for the PDC are reversed e Cancellation Canceling a PDC that is active but has not been liquidated The accounting entries specified for the cancellation event are passed 10 1 4 5 Limits
191. id of charge e Fixed Charge Select this option If statement needs to be generated with a fixed amount of charge e Based on date Range Select this option of statement needs to be generated and the charge for the same will be based on the duration of the period selected Difference between the from date and the to date Show Linked A C Details Check this box if you wish to show linked account details Dates You have to indicate the type of dates The options available are e Booking Dated e Value Dated 17 8 ORACLE Select Multiple Accounts Account Number Specify the account number The option list displays all valid account numbers Choose the appropriate one Print Options You have to indicate the type of print options The options available are e View e Sever Spool From Account Number Specify the account number from which the report needs to be generated You can select the appropriate number from the adjoining option list that displays all the accounts maintained in the system To Account Number Specify the account number to which the report needs to be generated You can select the appropriate number from the adjoining option list that displays all the accounts maintained in the system From Account Currency Specify the account currency from which the report needs to be generated You can select the appropriate currency from the adjoining option list that displays all the currencies maintained in the sys
192. ightly Weekly Daily For a weekly statement specify against Day the day of the week on which the statement is to be generated For weekly statements select the day from the adjoining drop down list The following list of days will be displayed Monday Tuesday Wednesday Thursday Friday Saturday Sunday 3 87 ORACLE For a fortnightly statement the account statement will be generated in alternate weeks on the day of the week you have specified For monthly statements enter a number between 1 and 31 including both numbers to specify the day of the month For monthly statements if you set Day as 30 then the statement will be generated on the e Last working day for February e 30th of the month e Next working day if 30th is a holiday For monthly statements if you set Day as 31 then the statement will be generated on the e Last working day for months with less than 31 days e 31st of the month e Next working day if 31st is a holiday Statement Date Enter the date of the first statement cycle here Generate Statement only on Movement Select this check box if the statement needs to be generated only when there has been a movement of funds into the account or when funds have been transferred out of the account If left unselected the statement will be generated as per the cycle Display IBAN in Advices Select this check box to have the IBANs of the accounts displayed in the advices Previous Statement Date and N
193. ils Branch Account Number Daily Amount Limit Daily count Limit Auto Provisioning Required Account Local Euro Check Mt210 Required Lodgment Book Consolidated Cert Reqd Back Period Entry Allowed ATM Old Cif Escrow Transfer Details Escrow Tranfer Applicable Branch Code Escrow Account Escrow Percentage Savings Checking Initial Funding Account Opening Amount Pay In Option Pay In By Account Pay In By GL Offset Branch Offset Account Waive account Opening Charges Joint Holders Fields Deposits instruction Billing Parameters Account Signatory Interim Transactions Report Wotice Cards OFAC Check Change Log Maker Date Time Record Status Checker Date Time Authorization Status 3 1 10 1 Capturing Positive Pay Details Positive Pay For the account you are maintaining you can specify whether you want positive pay facility for the account or not When a check comes in for payment the system validates for any unpaid record only for those accounts that are under positive pay For all the other accounts that are not specified for positive pay the system does not do any validation before making payments for the checks Funding If you enable Funding accounting entries will be posted by the Positive Pay maintenance upload table for the positive pay transaction You have to enable Positive Pay to make use of Funding functionality If Positive Pay is
194. ils of Check books issued to your customers In addition you can view the status of each Check whether used canceled rejected or if a stop payment has been issued against it When Check based transactions are initiated in the Data Entry or Funds Transfer modules the system updates the amount and date of the transaction in this table If a Check has been canceled by the customer or has been returned unpaid by you this event can also be captured with the Stop payment table where you maintain your customers instructions for stop payment For each Check the system maintains a history of the Check status For instance a customer requests a stop payment revokes it and subsequently this Check is paid by you over clearing You can view the three events on this Check in the Check Details table The Check book details table is maintained by the individual branches Maintaining Check Book Details You can invoke the Check Book Maintenance screen by typing CADCHBOO in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Check Book Maintenance Check Book Details Kind of Check Account Number C Euro Customer Name Commercial First Check Check Leaves Check Book Type Order Date lssue Date Order Details Include For Check Book Printing Language Code Request Status Delivery Mode pF M Request Mode Delivery Address 1 Delivery Address 2 Delivery Addres
195. ime of report generation the user ID of the user generating the report module page and the event date Body of the report The account number of the customer The description of the account Stop Payment The stop payment instruction number No Type The stop payment can be issued either on an amount or on Check s Start Check The starting Check leaf number No End Check No The ending Check leaf number The amount for which stop payment is done Effective Dt The date from which the stop payment is effective Expiry Dt The date on which the stop payment validity will expire Acc CCy Account CCy 17 4 Customer Statistics Data The table below displays customer statistics for the last six months 17 4 ORACLE Body of the report Customer FLEXCUBE Customer Number Number FLEXCUBE Account Number Account Currency Acc Branch The branch in which the account was created Last Debit Last debit amount on the account for the month Last Credit Last credit amount on the account for the month Last Over Draft Last overdraft amount on the account for the month Simple Average Simple Average balance of the account Balance for the month Minimum Minimum balance of the account for the Balance month Maximum Maximum balance of the account for the balance month No Of Dr Number of debit transactions for that transactions month No of Cr Number of credit transactions for that Transactions month Closing Balance Month end
196. in the absence of any instruction from the drawer of the Check The instruction can be deferred Deferred Reconciliation function goes hand in hand with the Positive Pay described above and Deferred Reconciliation is applicable only for Positive Pay Accounts e f Positive Pay No and Deferred Reconciliation No the Check is subjected to the usual validations and is Rejected if era ORACLE gt There is any discrepancy in the instrument gt There is a Stop payment instruction issued against the instrument e f Positive Pay Yes and Deferred Reconciliation No Check is subject to the usual validations and processing e f Positive Pay Yes and Deferred Reconciliation Yes and if any one or more of the three fields viz Branch Account No Check No does not match with the Positive Pay instruction the Check will be put under Deferred Reconciliation as Unreconciled gt If this unreconciled Check comes in for clearing once again with the same set of parameters it is Rejected gt If Positive Pay instruction is received for an Unreconciled Check it is marked Reconciled and the Check status is marked Liquidated e f Positive Pay Yes and Deferred Reconciliation Yes and the Amount field does not match with the Positive Pay instruction the check is Rejected outright All data pertaining to reconciled and unreconciled Checks are maintained and information regarding account no Check no amount and status of the instrument
197. indicate that the stop payment is confirmed Bote the following e If you have selected this check box the confirmation date will be changed to system date and expiry date will be received date maximum period for renewing the existing stop pay order or you can change the expiry date as required e lf you have not selected this check box then the system defaults the confirmation date and expiry date as received date confirmation days in calendar days There will be no payments executed during effective date and expiry date Confirm Date The system displays the date based on the stop payment confirmation The confirmed date should not be less than the received date specified in the Received Date field sro the received date maximum calendar days for receiving the written confirmation from the received date is lesser than the confirmation date then the system throws an error stating that Confirmation Received After the Due Date Effective Date Specify the date from when the payment is to be stopped 8 7 ORACLE Expiry Date The system displays the date based on the stop payment confirmation The expiry date should not be less than the system date and effective date specified in the Effective Date field If the customer requests for the renewal of stop payment you can change the expiry date of the existing stop payment Status The system displays the status of the stop payment Remarks Specify
198. ions screen The system will perform this validation for default settlement pick up also a ORACLE 3 2 9 Specifying Statement Details You can specify restrictions for the account using the Statement Details screen To invoke this screen click the Statement button in the Customer Accounts Maintenance screen Statement Details Primary Ac Statement Display IBAN in Advices Type Account Cycle On Statement start date Secondary Aic Statement Type Cycle Generate Stat Only On Movement None Summary O Detailed a Generate Stat Only On Movement O None C Summary O Detailed On Statement start date Tertiary Alc Statement Statement Account Type Cycle On Statement start date Account Number oY Generate Stat Only On Mowement None E Previous Statement Details Date Balance Number Interim Statement Details Previous Statement Date Balance Previous Statement Details Date Balance Number Previous Statement Details Date Balance Number Generate Interim Statement Exclude Same Day Reversal trns from stmt Statement Charge Code C Exclude Same Day Rewersal tras from stmt The system displays the account number for which you are setting the statement details Primary A c Statement This refers to the type of statement to be generated periodically by the system for this account You can speci
199. is loan account if the customer pays an advance instalment or makes an early settlement the system will delete the outstanding Checks A report of such cancelled Checks is generated on a daily basis Remarks Specify the reason for cancellation of post dated Check Event Sequence Number Specify the event sequence number for processing a post dated Check Source Code External Reference Number Specify the external reference number while processing a post dated Check Branch Code Specify the code for the branch that has issued the post dated Checks Instrument Number This is the PDC number If PDC type is External this number should be unique for the given clearing branch amp bank 10 9 ORACLE 10 1 4 1 Clearing Details In the fields provided enter select the Clearing product Select the product that is ready for clearing Issuer Branch Select the branch that is issuing the post dated Checks Clearing Bank Select the bank that is clearing the post dated Checks issued Clearing Branch Select the branch that is clearing the post dated Checks issued Sector Code Select the code of the sector that is processing the post dated Checks Issuer Bank Select the bank that is issuing the post dated Checks Bulk Transaction Reference Number Specify the bulk transaction number that is used in transactions For detailed field explanation on End Point amp Routing Number refer to the Clearing User Manual The clearing de
200. ive for the transaction in this field This narrative is used in the account statement generated for the customer account Maintaining clearing details Click Clearing button to invoke the Clearing Transaction Input Detail screen where you can capture the details for the outward clearing instrument gt Clearing Transaction Input Detail Branch Product Code Direction Reference Number Remitter Details Customer Account Country Instrument Details Draft Serial Number Instrument Routing Number Bank Code Branch Code Sector Code Late Clearing Date Details Transaction Date Instrument Date Bank Value Date Customer alue Date Reg CC Detail Consider For Reg CC Special Avail Remarks Accounting Entries Input By Date Time Authorized By Entry Number End Point External Reference Beneficiary Details Customer Account Country Account Details Currency Instrument Currency Instrument Amount Account Currency Amount Exchange Rate Document Identification Number Document Identification Number Date Module Details Module Module Description Reference Number Event Sequence Number Reject Reason Status Contract Status Transaction Tanked a Authorized The information you capture in this screen is required to route outward clearing transactions to the appropriate clearing house In this screen you have to capture the following information for cleari
201. k list items then the new accounts opened subsequently with the modified account class will request for verification of all the check list items 3 1 13 Capturing Additional Details You can capture additional details for the account by clicking the following buttons in the Customer Accounts Maintenance screen Interest This invokes the IC Special Conditions Maintenance screen Charges This invokes the Account level charges conditions screen Consolidated This invokes the Account Level Consolidated Charges Charges Conditions screen This invokes the Authorized SWIFT BICs for Customer Account screen ores ORACLE Instructions This invokes the Account Operating Instructions Maintenance screen Recurring Transfer This invokes the Instruction Diary Summary screen S Linked Entities This invokes the Linked Entities screen This invokes the REG Details screen Account Status This invokes the Status Details screen Restrictions This invokes the Products and Transaction Codes Restriction screen Currency Limits MIS This invokes the Management Information System screen This invokes the Limits screen Statement This invokes the Statement Details screen This invokes the Account Limits screen Joint Holders This invokes the Linked Entities screen This invokes the UDF screen Deposits Instruction This invoke
202. lculate the available balance if EOD is not in progress Daylight limit is not considered during EOD You can specify the daylight limit only if Daylight Limit option is checked in linked Account Class Preferences screen By default the system will display the value as zero You can however change it SOD Notification Specify the consolidated percentage utilization used for notification of the limit breach under the SOD secure overdraft For more information on SOD Alert Generation refer topic Generating Alert for SOD Utilization later in this chapter Cr Transaction Limit The limit for credit transactions in the account currency When a transaction exceeds this limit an override is displayed The override requires a dual authorization to save the transaction anes ORACLE Credit Start Date This is the date from which this monitoring comes into effect The check will be performed for all entries to customer accounts with transaction booking date greater than or equal to the start date Credit Rev Date This is the date on which you would wish to revise this limit The limit check will continue irrespective of the date maintained here The revision date must be greater than the start date and can be left blank 3 2 10 1 Specifying TOD Renewal Details Renew TOD Check this box if you want to renew TOD Renew Frequency Specify the renew frequency from the drop down list The available options are
203. le Statement Date C Generate Statement Only on Movement _ Display IBAN In Advices Previous Statement Date No Summary Detailed _ Exclude Same Day Reversal Input By DOC2 Date Time Modification Number WB Authorised Authorised By Date Time a Open Customer Number Here you can specify the customer for whom the parameters for combined statement generation are being maintained Specify the customer by selecting the customer number from the list available here Reference Number A reference number for the combined statement is automatically generated and displayed here Sorting Type The statements listed in the combined statement can be listed in either of the following orders on ORACLE In the order of their account opening dates To enable this click Account Opening option In an order specified by you To enable this click User Defined option You can specify the sequence of statements using the SI No field under Account Details Statement Charge Code Select the charge code for the combined statement from the list available here Statement ACST Format Specify the account statement format to be used Cycle Day and Cycle You can specify the frequency of statement generation here Select against Cycle the frequency in which the combined statement is to be generated You may select any of the following Annual Semi Annual Quarterly Monthly Fortn
204. lls as Direct Debit instructions you need to specify the following details e Bank Code Choose the bank code from the option list This indicates the bank code of the settlement account e Account Number Specify the account number for the settlement account e Name Specify the name of the debtor one ORACLE e Agreement ID Specify the agreement id on which the DD is to be generated During liquidation the direct debit contract is uploaded into the system in case you have maintained the settlement mode as direct debit transaction The upload happens for both automatic liquidation and manual liquidation 3 2 14 1 Closure of accounts with outstanding Billing Invoices In the event of account closure the system allows closure only after all invoice are generated and payment of outstanding bill amount is made Before closing the account you need to e Manually liquidate the billing amount through the Manual Liquidation screen in case the payment is yet to be done The system displays a message for the unpaid amount e Generate the pending invoices for all Billing Products applicable to that account using the Account Based Invoice Generation screen and also liquidate the bill amounts under each of the Billing Products manually e Refund the amount if the overdue amount is in negative 3 2 15 Initiating manual liquidation for bills All the components of a bill can be liquidated automatically or manually In the Produc
205. ls from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions VD_DLY_ DR BAL M VD_DLY_DR_BAL_M NORMAL_RATE2 DAYS gt AMOUNT3 YEAR 100 VD DLY DR BAL M VD_DLY_DR_BAL_M NORMAL_RATE4 DAYS lt AMOUNT3 YEAR 100 Formula 3 Specify the following details Book Flag Select Tax from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Leave this box unchecked Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions coe Re FORMULA gt AMOUNT1 TRUNC FORMULA1 TAX1 100 18 2 5 Interest on Saving and Current Bank Accounts for Retail Customer Specify the following details On Account Opening Month Check this box On Account Closure Month Leave this box unchecked SDE Maintain the following SDEs e DAYS e VD DLY CR BAL M e VD DLY DR B
206. ls sub screen displays the exception details as on a statement processed date The system displays the following exception details for the account Account number The system displays the account number for which the exception is generated Statement date The system displays the statement cycle date in which the exception is generated Exception type The system displays the information on whether it is a system generated exception or generated manually Here APYE will be system generated exception and Mail code will be a manually generated exception Exception The system displays the exception name for the account Orre exceptions are fixed and you cannot add or modify an exception The system lists out the following possible standard errors as exceptions e Missing APYE EXCP1_APYE_MISSING e Customer having mail codes EXCP2_ CUST MAILCD ue ORACLE If a Savings Checking account has non zero interest rate and non zero average balance and if the account carries APYE 0 then the Missing APYE exception will be displayed in the respective account If a customer has a mail code then the Customer having mail codes exception will be displayed in all the accounts of the customer The refreshing of the exceptions codes happens during the periodic statement generation process The exception code and the manually assigned mail codes are applicable to all statements like Combined Account statements Reg E and Interim statement
207. ment shows all transactions but gives only limited details of individual transactions like the reference number date and the amount with a debit credit indicator SWIFT account statements are statements generated for NOSTRO type of accounts i e for a bank type of a customer MT940 is generated for an account with its primary statement as detailed and a MT950 is generated for an account with its primary statement as summary 9 2 Maintaining Statement Preferences You need to maintain a basic set up at the following levels to generate account statements e Advice Formats e Account Class e Message Type e Customer Address e Batch EOD Inputs 9 2 1 1 Maintaining Advertisement Information for Account Statement Oracle Flexcube allows you to maintain advertising information at the account level This maintenance is done through the Advertisement Maintenance screen Invoke this screen by typing STDADVMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 9 1 ORACLE Advertisement Maintenance Advertisement information Details Type Branch O Account Class Branch Code Account Class O0 H Advertisement Information C O A blaker Date Time Mod Mo Checker Date Time Record Status Authorization Status The standard operations allowed in this screen are e New e Save e Copy e Unlock e Delete In this screen you need to specify the following advertisin
208. menu The options are e Authorized Signatory e Customer Contact Person e Guardian e Custodian oe ORACLE Developer Guarantor Joint and First Joint and Other Joint or First Joint or Other Beneficiary Related for Inquiry Solicitor Sole Owner Third Party Trustee Valuer Power of Attorney Start Date and End Date The Start Date and End Date display the validity of the joint holder of the account This is for information purpose only Mailing Label Check this box to enable the customer to receive respective account correspondences via mail 3 2 12 Specifying UDF Details You can capture User Defined Fields for the account using the UDF screen To invoke this screen click the Fields button in the Customer Accounts Maintenance screen ser Defined Fileds Field Hame x Value 3 75 ORACLE 3 2 13 Specifying Deposits Instructions Oracle FLEXCUBE allows you to create auto deposits from a savings account if the balance in the account exceeds a certain limit You can capture details for creation of auto deposits using the Deposits Instruction screen To invoke this screen click the Deposits Instruction button in the Customer Accounts Maintenance screen Deposits Instruction Branch Code 000 acom R Account Class Customer Currency Sweep Branch e Deposit Currency sweep To accout Sd sa MSS Minimum Required Balance E
209. mer Accounts table will be updated with the modified blocked amount 7 9 ORACLE Effective Date When defining amount blocks for an account specify the date on which the amount block comes into effect A future dated amount block comes into effect when the Beginning of Day process is executed for the day on which the amount block becomes effective Expiry Date This is the day on which the amount block expires An amount block is effective till the EOD is run on the expiry date On expiry of an amount block the block amount status in the Customer Accounts Maintenance table gets updated if no other amount block is enforced on this account The balance available for transaction is also updated Remarks Here you can enter any remark specific to this amount block For example you can capture the purpose for which a block has been affected No Debit When defining amount blocks you can choose to completely block the account from any kind of debits made to the account To do this select the option No Debit At a later point you can UN Check this option to release the full block and define partial blocks if required Close As stated earlier the amount block will remain active from the effective date till the expiry date However you can release a block before the expiry date Select the Close option to affect a forceful closure of the amount block If you do not select this option the amount block will be
210. mit Details You can maintain tolerance limit for various products through the Product Tolerance Limit Maintenance screen You can invoke this screen by typing CADPTLM in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button 15 1 ORACLE Product Tolerance Limit Maintenance Product Tolerance Limit Branch Module Product Code Product Description Tolerance Limit Cey Equal to US Dy haker Date Time Mod Mo Checker Date Time Record Status Authorization Status Specify the following details Branch Specify the branch in which the tolerance limit is applicable The adjoining option list displays the branches that are maintained in the system You can select the appropriate one Module Specify the module for which the tolerance limit is applicable The adjoining option list displays the modules that are maintained in the system You can select the appropriate one Product Code Specify the product for which you are defining the tolerance limit The adjoining option list displays the products that are maintained in the system You can select the appropriate one Product Description The system displays the description for the product Tolerance Limit USD Specify the tolerance limit for the product selected This needs to be in USD 15 3 2 Viewing Product Tolerance Limit Summary Details You can view the tolerance limit of the specific product throu
211. my CIF number range and its usage for customer account number generation You can view all the dummy CIF numbers linked to a customer in the Dummy Customer Summary screen To invoke this screen click Customer Maintenance in the Application Browser and Dummy Customer and Summary under it You can also invoke this screen by typing STSMAINT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ee ORACLE Dummy Customer Summary Customer Humber az Dummy Number search Advances searen Rese Recorasperpsge 15 T ota FE C Customer Number Dummy Number In this screen you can view the CIF number that is associated with each dummy number 3 13 Withdrawal of Funds without Penalty 3 14 No early withdrawal penalty is charged for the first six days from a time deposit account For this you must maintain an Interest and Charges IC period system data element SDE Days from Start which will indicate the number of days from deposit initiation to withdrawal date While maintaining the penalty formula you can specify a condition to charge penalty only if the value of the Days from Start SDE is greater than 6 days Closing Account When you close an account the system will check whether an IC product linked to the account is pending liquidation If an IC Product is pending liquidation you will be prompted to perform the liquidation before closing
212. n Ea Notice Period Maintenance Branch Code O00 Account No Initiation Date Default Notice ID Activation Date Validity Period End Date Notice Amount Input By DOC4 Date Time Modification Number We suthorized Authorized By Date Time iv Open The following details are captured in this screen Branch Code The current branch code is defaulted here Account Number Specify the account number for which you wish to maintain the notice period Initiation Date Specify the date on which the notice is initiated After specifying the initiation date click Default to display the Notice Id Activation Date Validity Period End Date and Notice Amount The system defaults the following fields based on the Notice Preferences you maintain at the Customer Account level al ORACLE Activation Date The activation date gets defaulted based on the account number and initiation date entered This is the date from which the notice period becomes active However you can modify this date Validity Period The validity period of the notice as maintained in the Notice Preferences screen at the account level gets defaulted here However you can modify this period Notice Amount Specify the amount to be withdrawn within the Notice Period The amount you specify here should be in account currency The following fields are displayed in this screen e Branch Code The branch code of the current branch e Notice Id
213. n July Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 31st July Aug 2010 In the above example the 1st Statement Generation date should be 31st Jan 2011 as scheduled statement date falls within First Statement block days Example 6 Customer ID 12345678 Name Mr XYZ First Statement block days 10 Statement Cycle Annually Statement Cycle On August Account Opening Date 25th Jul 2010 Scheduled Statement Generation Date 31st Aug 2010 In the above example the 1st Statement Generation date should be 31st Aug 2010 as it falls after the First Cycle block days Note the following e Ifthe date arrived at by adding the first statement block days to the account opening date is less than the statement cycle date then the default value of the settlement start date will be first statement cycle date e If the date arrived at by adding the first statement block days to the account opening date is greater than the statement cycle date then the default value of the settlement start date will be next statement cycle date Generate Stat Only On Movement You can indicate that an account statement should be generated for the customer s account only when there has been a movement of funds into the account or when funds have been transferred out of the account For instance let us assume that on the August 21 2001 you have set the account statement generation frequency as Daily for the account LIO20804
214. n list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expression MON_AVG_ BAL gt 0 ABS MON_AVG_BAL RATE2 DAYS YEAR 100 Formula 3 Specify the following details Book Flag Select Tax from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Leave the box unchecked Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions cme Re FORMULA2 gt AMOUNT1 TRUNC FORMULA2 TAX1 100 FORMULA2 gt AMOUNT2 TRUNC FORMULA2 TAX2 100 18 2 4 Interest on Saving and Current Bank Accounts for Retail Customer Specify the following details On Account Opening Month Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e DAYS e VD DLY CR BAL M e VD DLY DR BAL M o YEAR UDE Maintain the following UDEs User Defined Elements Type NORMAL_RAT
215. n list displays all valid SSN or TIN values maintained in the system Choose the appropriate one Once you have captured the details click Query button The system displays interest liquidation entries for the selected customer account since the previous working day Following details pertaining to each entry will be displayed on the charge entries screen e Branch e Account number e Product Code iz ORACLE 14 1 1 e Transaction Date e Transaction Reference Number e Debit Credit indicator e Transaction Code e Amount e Currency Select the entries to be reversed using the check box adjoined to each entry You may select one or more or all of entries for reversal Further click Reverse button on the screen The system reverses the entries using the reverse batch However you cannot select an entry that has already been reversed If you attempt to reverse such an entry the system will display an error message Also this action will reverse the liquidation entry alone Other accrual entries need to be reversed manually if required Also you are expected to verify whether the entry is a debit or credit to the customer account Usually debit entries are reversed The system will not verify this Maintaining Upload Source Code for OD Charge Reversal The overdraft charge reversal is performed by a journal entry upload Hence you need to maintain a source code to identify the source for the reversal batch using
216. n maintained in the Exposure Type Category Linkage maintenance then the exposure category of the account is identified If no logic has been maintained you can specify the exposure category in the Customer Account Maintenance screen Risk Free Exposure Amount You can indicate the risk free collateral amount that would be used in computing the provisioning amount for the account Provisioning Currency You can indicate the currency in which the provisioning amount must be calculated either account currency or local currency This specification is defaulted from the preferences for the account class used by the account and you can alter it if necessary In addition to the provisioning preferences listed above you must also indicate the applicable provisioning percentage and the discount percentage details in the Provision Percentages screen that you can invoke by clicking on the Provisioning Percentage button in the Provisioning Details section of the Customer Account Maintenance screen eS Provisioning Percentages Web Page Dialog Account Number 100014 Provisioning Percentage Details m Status Provision Percent Discount Percent Account Number The system displays the customer account number Status Specify the status of the account for which you are maintaining provisioning percentages The adjoining option list displays all valid status codes maintained in the system Select the appropriate one re O
217. n the account should be a account with EUR currency only Max No of Check Rejections The system defaults the value of maximum number of Check rejections that can be allowed for an account from the account class However you can modify it at the account level Note the following e If Max No of Check Rejections is not maintained at customer account maintenance system will not mark the Check facility to N for any number of Check rejections e Ifthe bank resets the check book facility to Y which was earlier updated to N by the system because of violation of max no of check rejections the Check rejection count will be taken by the system freshly oie ORACLE 3 1 11 Specifying the Beneficiary Details Click beneficiary tab in the Customer Accounts Maintenance screen in order to capture beneficiary details for the account Customer Accounts Maintenance Branch Code 000 Customer Number C A Account Customer Name Currency H Account Class a2 P SD User Reference Main Auxiliary BGK Checklist Beneficiary Details Name Guardian Name Date Of Birth Relationship Relationship Address1 Address eee Address2 Address2 Address3 Address Address4 Address Minor interest Charges Consolidated Charges Recurring Transfer Linked Entities REG Account Status Currency Limits mas Statement Joint Holders Fields Deposits Instruction
218. nce Number Activation Date Pormal Location Of Cheque Credit Line Account Humber Currency Authorized By Date Time Contract Status Move funds to collected Limits Tracking Required You can initiate the movement of funds to collect manually and can enter the Reference number of the clearing transaction Transaction Reference Number Specify the Transaction Reference Number of the post dated Check Product Code From the option list of product codes that you have created in the Product Definition screen specify the PDC product code that has to be used for the Check 10 24 ORACLE Remitter Account Number This is the account which has to be debited for clearing the Check Depending on the PDC type you can select the following values for the remitter account e Ifthe PDC type is Own A c PDC the remitter account should be a valid customer account e Ifthe PDC type is PDC issued by the bank the remitter account can either be a GL or Nostro account e Ifthe PDC type is External PDC the remitter account should be a valid GL Beneficiary Account Number This is the number of the account in favor of which the PDC is drawn If the customer draws a PDC on his account for depositing into another account held in your bank then you can enter the beneficiary account number here The beneficiary account can either be a valid customer account or a valid GL Amount and Currency From the opti
219. nds is marked as collected the status of the PDC will be updated as Passed e Pullback When the pullback operation is performed the Check status will be Pullback 10 1 4 3 Interest Computation Dates Select the appropriate dates for interest computation from the adjoining list From date Select the date from which the interest computation has to start from the adjoining calendar button These details are allowed only for the CDIS CPUR event To date Select the date till which the interest should be collected for discount from the adjoining calendar button It is arrived by adding the days from the date of discounting till the activation date number of float days of customer value date defined in the ARC maintenance for the clearing product defined for a PDC product 10 11 ORACLE 10 1 4 4 Charge Payable Details You need to enter the following details for the processing of charges for the PDC Charge Branch Select the branch in which the charge payable account is maintained Status Indicate the current status of the PDC by selecting from the following values e U Unprocessed e A Active Initiated e V Reversed e L Liquidated e C Cancelled Charge Account Number The account which is to be debited for the charge this is necessary for passing accounting entries for the charge calculated for any of the events associated with a PDC Purpose You have the option of specifying the purpose for wh
220. nerated Escrow amount blocks using the Amount Block Maintenance screen CADAMBLK wherein the field Amount Block Type will display Escrow Amount Block Input Account Number Sequence Number 4B1021 Amount Expiry Date Effective Date Amount Block Type Escrow v Remarks Reference No Hold Code Hold Description Fields Input By DOCS Date Time Modification Number E Authorized Authorized By Date Time Ej Open e ORACLE Escrow Transfer Applicable This box is checked by default if the customer account belongs to an account class for which Escrow transfer is enabled rnis box should be checked for Project Trusted account s only Branch Code Select the branch code in which the Escrow account has to be created from the adjoining option list Escrow Account Select a valid account to be used as an Escrow account from the adjoining option list The list displays all valid accounts based on the selected Escrow branch and the currency of the project account The system does not allow the circular linkage of Project account and Escrow accounts Escrow Percentage Specify the percentage of the credited amount which has to be transferred to the Escrow account Orre Escrow percentage specified here will be same for all transactions and will not vary for different credits like cash Check draft etc 3 1 10 4 Specifying Other Options Consolidation for Inward Clearing You need to indicate whe
221. ng 11 7 ORACLE e The End Point e The Bank Code e The Branch Code as identified in the network e The Sector to which it belongs e Whether Reg CC is applicable e Whether special Check is governed by the Reg CC schedules e Whether late clearing is required e The reason for rejection Depending on your Bank Code Branch Code and Sector Code combination the system displays the Routing Number Bank Value Date and the Customer Value Date After you maintain the above details for clearing click Exit or Cancel button to return back to the Instrument Type Details screen 11 4 1 Viewing the Accounting Entries To view the accounting entries and overrides for the transaction click Accounting Entries button in the Instrument Type Detail screen The Accounting Entries and Overrides screen is opened Any overrides that occurred when each transaction was passed are also displayed 11 4 2 Charges for the Instrument The charges that you have specified for the instrument branch and currency combination that you have chosen for the transaction in the ARC Maintenance are applied by default Click on the Charges tab in the main Instruments Transaction Query screen to view the charges 11 8 ORACLE Instruments Transaction Query TRANSACTION DETAILS CHARGES Charge Account Charge Branch LBL_BLK_WBVWS_CHARGE_DETAILS General Ledger LBL_THIER_ACC Currency Amount Netting Transaction Code
222. ng entries for the charge calculated for any of the events associated with a PDC Charge Currency Specify the currency in which the charge should be calculated If you enter the fields instrument number frequency no of entries for a bulk input where the check in series flag is not selected an error would be thrown on saving You will be able to upload bulk Check transactions using file upload Once you have entered all the details and saved the contract individual PDC contracts are created based on the activation date and instrument number frequency you have specified for the bulk input The individual contracts become active when you authorize the bulk input and can be viewed through the PDC contract online screen The actions allowed in this screen are Add and Delete Delete is allowed only before authorization Other actions are performed on individual PDCs through the PDC Online screen as explained above Viewing Summary of Post Dated Checks Bulk Input You can query view and delete the transaction details of the post dated Checks bulk inputs in the Post Dated Checks Bulk Input Summary screen You can invoke this screen by typing PDSBULKI in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 10 20 ORACLE Post Dated Cheques Bulk Input Summary Authorization Status v Record Status Transaction Reference Number Account Number seseh Advances
223. nk that is issuing the post dated Checks Bulk Transaction Reference Number Specify the bulk transaction number that is used in transactions For detailed field explanation on End Point amp Routing Number refer to the Clearing User Manual The clearing details are needed only for External type PDCs 10 1 12 2 Charge Payable Details You need to enter the following details for the processing of charges for the PDC Charge Branch Select the branch in which the charge payable account is maintained 10 26 ORACLE Status Indicate the current status of the PDC by selecting from the following values e U Unprocessed e A Active Initiated e V Reversed e L Liquidated e C Cancelled Charge Account Number The account which is to be debited for the charge this is necessary for passing accounting entries for the charge calculated for any of the events associated with a PDC Purpose You have the option of specifying the purpose for which the PDC is issued This is for information only Currency Specify the currency in which the charge should be calculated Move funds to be collected Check this box to trigger the realization of funds to customer account manually Check this box only when the funds are not in collected stage and when the Check status is not rejected Checking this field in any other scenarios will throw an error while saving Also if you enter the fields instrument number frequency no of entrie
224. nly that amount of uncollected funds which is available for the current day or any previous day is treated as uncollected funds e Overdrawn balance The sum of payable balance including limits and the withdrawable uncollected funds subject to uncollected funds limits The overdrawn balance should be negative e Intraday uncollected fund release batch status 13 15 ORACLE 14 Overdraft Charge Reversal For a customer the system calculates the overdraft charge based on the overdrawn combined book balance This charge will be liquidated when the interest and charge batch is executed with the next calendar date as its value date FLEXCUBE gives you an option to waive off such overdraft charge entries on the following day You may reverse all or selected entries using Charge Entry Details screen You can invoke this screen by typing DEDODREV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Charge Entry Details custonertio id sum Sd LI Branch Account Number ProductCode Transaction Date Trn RefNo DOrCr Trn Code Amount Currency OD Rewer can query the entries based on the customer number or SSN TN numbers Customer No Specify the customer number for which you wish to reverse the entries The option list displays all valid customer numbers maintained in the system Choose the appropriate one SSN TIN Specify the SSN or TIN of the customer The optio
225. ns Branch Function Identification Description End Of Cycle Group O Transaction Input Report Orientation Not Applicable End Of Transaction Input Portrait End Of Financial Input Landscape End of Day Beginning Of Day Function Inputs CI parameter Data Type input By DOCS Date Time Modification Number WB authorized c i Cancel Authorized By Date Time v open You need to specify the following details Function Identification Specify ACSTHAND or select this value from the adjoining option list End Of Cycle Group Choose the option Transaction Input 9 24 ORACLE For further details refer the chapter titled Automated End of Cycle Operations in the Automated End of Day User Manual Given below is a sample account statement Sample account statement BANK FUTURA ACCOUNT STMT 1 BANK FUTURA ACCOUNT STMT adadrl BANK FUTURA ACCOUNT STMT addr BANK FUTURA ACCOUNT STMT addr STATEMENT OF ACCOUNT FOR QOO0005 PERIOD OF STATEMENT s 3 DECU 29 DEC O COPY AS OF 26 DEC O ACTOO0LS4 CITL ABNMANLO 320 DESCRIPTION Opening Balance 03 DEC 0OF 03 DEC 07 CREDIT ACTOOZ10 34 0001 03 DEC 07 10 000 00 MISCELLENTOUS O DEC OF INTERNAL FUND ACITFTINOY 3410003 O DEC O TRANSFER INTERNAL FUND ACITFTING 3410003 Of DEC O TRANSFER By Order OF Details 000005 Ultimate Beneficiary DEUTDEFF302 Transaction Description INIT 29 DEC O CREDIT ACTO
226. nt for the account The Interest Statement will furnish the values of the SDEs and UDEs and the interest rule that applies on the account ae ORACLE Consolidated Charge Branch By default it will be same as the current branch However you can select the branch of the consolidated charge account from the adjoining option list Consolidated Charge Account Select the account that is identified as the master account for collecting the consolidated Fall Below Fee The Fall Below Fee is a kind of fee that is charged if sum of average monthly balance of all the accounts is less than the minimum required balance Note the following e The master account should be in the same currency as of the other account currencies e For the master account the field should be left blank This master account is maintained as consolidated charge account on the other set of accounts e All the accounts should be belonging to the same customer e The Fall Below Fee is waived if the master account or any one of the account has overdraft facility Dr Cr Advices You can indicate whether you want to generate an interest liquidation advice for a customer account Check the Debit Credit Advices box to indicate that the system must generate payment advices when interest liquidation happens on an account The advices are generated in the existing SWIFT or and MAIL format No advices will be generated if you leave this box unchecked The preference
227. o Not Available balance or negative amount then report should says Unavailable balance Date Last Not Available Deposit Deposit Sum of LCY AMOUNT for last 7 Aggregate 7 day credits Turn Over days where DRCR_IND D is amount divided by divided by Sum of LCY_ AMOUNT 17 15 ORACLE Field Name Field Description for last 7 days where Aggregate 7 day debit DRCR_IND D 12 Ratio of Sum of LCY AMOUNT for last 7 Total of today s debit Today s days where DRCR_IND D is divided by Customer Debit divided by ACY CURR unavailable balance Amounts to BALANCE if it is negative balance Customer unavailable Funds 1 Consecutive No of days No of days Days on Report of days reported on this report 17 8 Kiting Report 2 This report will be generated only if today total debit is greater than today s current balance less today s and yesterday s credit It should be generated daily or Ad hoc basis You can invoke this screen by typing CARKIT2 in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Kiting Report 2 Drawing Against Today s Deposits Branch Code From Date To Date No of Consecutwe Days You can enter the following details Wels ORACLE Branch Code Specify the branch code for transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one From Date Specify the date
228. o lists the various chapters covered in this User Manual Chapter 2 CASA an Overview is a snapshot of the features that the module provides Chapter 3 Maintaining Customer Accounts explains how you can maintain accounts in your bank for customers Chapter 4 Maintaining Tax Allowance Limit explains how you can maintain tax free allowance limit at the customer account level Chapter 5 Maintaining Check Book Details gives information pertaining to 1 1 ORACLE ee the maintenance of Check books issued to customers Chapter 6 Maintaining Account Structure gives details about maintaining account structures Chapter 7 Maintaining Amount Blocks gives details on maintaining amount blocks placed on customer accounts Chapter 8 Maintaining Stop Payment Details explains how you maintain details of stop payment instructions on Checks issued by customers Chapter 9 Generating Account Statement explains the maintenances for account statement generation Chapter 10 Processing Post Dated Checks describes how Oracle FLEXCUBE processes post dated Checks Chapter 11 nstrument Details explains how the reference information needed for entry of instrument based transactions in the Oracle FLEXCUBE Branch system can be maintained Chapter 12 Annual Percentage Yield for Savings Checking accounts explains how Annual Percentage Yield APY on customer accounts is processed in Oracle FLEXCUBE Chapter 13 nstrument Type Maintenance amp Consolidated
229. ociated with the nostro It is displayed in the Instrument Type field of the Settlement Message Details screen You can also select a different instrument type from the option list provided ne ORACLE The instrument type will get defaulted only if you associate the liquidating event with the advice tag PAYMENT MESSAGE 13 1 6 MT110 and MT111 Generation M1110 and MT111 will be generated from Instruments module e MT110 is generated whenever a foreign currency draft is issued from Instruments module and the message is sent to the bank on which the draft is drawn e MT111 is generated whenever a foreign currency draft is marked for stop payment and is sent to the bank where the draft is payable Processing MT110 and MT111 Message type DD_ISSUE will be used to generate MT110 and DD_STOP_PMNT for M1111 You can link these message types to products in the DD status maintenance In the DD status maintenance these message types will be input across the INIT and the STOP statuses If DD_ISSUE is linked to an INIT product the existing message DEMDRAFT also will get printed along with MT110 Since this messages are going to be generated only for DD s issued in currencies other that USD and CAD separate instrument type has to be maintained for issuing DD s in other currency This is because the message and product linkage is in the DD status maintenance The receiver of the message will be the BIC code for the customer of the NOSTRO
230. ode from the adjoining option It displays all the language code in the system Delivery Mode Select the mode of delivery of the Check book from the adjoining drop down list This list displays the following values e Courier e Branch If the delivery mode is Courier then you will need to specify the delivery address 5 3 ORACLE Delivery Address 1 Specify the address to which the Check book should be delivered From the adjoining option list You can choose the valid account address maintained in the system Delivery Address 2 4 Specify the address to which the Check book should be delivered Include for Check Book Printing When processing automatic reordering of Check books for your branch a file will be generated which will include the details of Check books marked for automatic reorder This file will then be sent to the Check Book printer If you select the Include for Check Book Printing option then the system will include the details of manually reordered Check Books as well in the file to be sent to the printer Automatic reordering of Check Books will be triggered based on your specifications maintained for an account in the Customer Accounts Maintenance screen Refer the Core Entities User Manual for more details on the maintenances required for the same Specifying the value of the UDF Check Type When maintaining Check Book reordering parameters you also have to specify the type of
231. of them e Transaction Reference Number e Event Sequence Number e Source Code e External Reference e Product Code e Branch Code e Remitter Account Number 10 1 8 Bulk Input of Post Dated Checks Oracle FLEXCUBE allows bulk inputs of PDCs with different due dates provided the Checks have the same amount and are drawn on the same account You can invoke the Post Dated Checks Bulk Input screen by typing PDDBULKI in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 10 17 ORACLE Post Dated Checks Bulk Input Transaction Reference O00ZPDC053650001 Sector Code External Reference Numb umber C Checks in Series Product Code Branch Code 000 Bank Futura Remitter Account Number Number Of Entries Beneficiary Account Currency zz Number Anaa Instrument Number Remarks Instrument Number Frequency Loan Account Number Clearing Details Clearing Product Routing Number End Point Clearing Bank Issuer Bank Clearing Branch Issuer Branch Sector Code Charge Payable Details Charge Branch Charge Account Number Charge Currency Activation Date Purpose Days Frequency Location Of Cheque Months Frequency Years Frequency POC Bulk Input Details l F Contract Ref No Operation Beneficiary Account Number Instrument No Amount DP Amount IssuerBank Issuer Branch Activation Date Purpose Location Of Input By
232. oke this screen by typing CARNSFOD in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button MSF or Oo Branch Code Customer Number Account Number LBL_NSF From Date To Date ine B A You can enter the following details Branch Code Specify the branch code for transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one Customer Number Specify the customer number for transaction The option list displays all valid customer numbers maintained in the system Choose the appropriate one Account Number Specify the account number of the customer The option list displays all valid account numbers maintained in the system Choose the appropriate one hte ORACLE NSF Days Specify the number of non sufficient fund days for which the transactions need to be considered for report generation From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation The generated report will contain the following elements Field Field Field Name Name Description Account Account STTM CUST ACCOUNT CUST AC NO number Number Officer Checker AUTH_ID User Name es Account STTM ACCOUNT CLASS AC CLASS _ TYPE Type whether it is DDA or COD or SAV Average Not Not Available collected
233. omer name Customer address line 1 Customer address line 2 Customer address line 3 Customer address line 4 Term deposit account number Rollover amount Term deposit currency Term deposit tenor Maturity date Maturity amount Interest rate Projected Interest amount TD Payout Type D ORACLE _TDPOAMT _ TD Payout Amount _TDPOCCY_ Payout Currency _TDOFFSETAC _ Payout offset Account Given below is the sample TD Maturity Advice Format RH TERM DEPOSIT MATURITY ADVICE DATE _TDATE_ REFERENCE NUMBER _REF_ SC _BRANCHNAME _ _BRNADD1_ _BRNADD2_ _BRNADD3__ EC SC 9 20 ORACLE _CUSTNAME _ _ADD1_ _ADD2_ _ADD3_ _ADD4_ EH EC B SC THE DEPOSIT _TDACNO_ OF_AMT_ _CCY_ IS MATURING ON _MATDATE_ INTEREST RATE APPLIED FOR THE DEPOSIT TENOR _DEPTTENOR_ DAYS _INTRATE_ TOTAL INTEREST AMOUNT _INTAMT_ TOTAL MATURITY AMOUNT MATAMT_ LOOP IF TDACNO_ 9 21 ORACLE PAYOUT TYPE PAYOUT AMOUNT CURRENCY OFFSET ACCOUNT _TDPOTYP_ _TDPOAMT_ _TDPOCCY_ _TDOFFSETAC_ ENDIF ENDLOOP EC EB RF FOR _BRANCHNAME _ AUTHORIZED SIGNATORY EF 9 22 ORACLE 9 3 5 Maintaining Customer Address You can invoke the Customer Address Maintenance screen by typing MSDCUSAD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Customer Address Maintenance Customer
234. on list select the currency in which the PDC is denominated Also specify the amount of the PDC Value Date Specify the date on which the PDC was deposited Loan Account Number Specify the unique loan account number The adjoining option list displays all valid account numbers of the CL MO and LE maintained in the system You can choose the appropriate one Remarks Specify the explanation for the cancellation of post dated Check Event Sequence Number Specify the event sequence number for processing a post dated Check Source Code Specify the source code for processing a post dated Check External Reference Number Specify the external reference number while processing a post dated Check Branch Code Specify the code for the branch that has issued the post dated Checks 10 25 ORACLE Instrument Number This is the PDC number If PDC type is External this number should be unique for the given clearing branch amp bank 10 1 12 1 Clearing Details In the fields provided enter select the Clearing product Select the product that is ready for clearing Issuer Branch Select the branch that is issuing the post dated Checks Clearing Bank Select the bank that is clearing the post dated Checks issued Clearing Branch Select the branch that is clearing the post dated Checks issued Sector Code Select the code of the sector that is processing the post dated Checks Issuer Bank Select the ba
235. onal Identifier Details Contract Status Original Draft Number Discount Days Reissued draft number Reference Number LBL_TXNTANKED Only contracts with Active status and payable at your branch will be available for Liquidation The liquidation product code as maintained in ARC should be selected The beneficiary account details are defaulted from ARC if maintained or have to be entered in the fields available for the same Charges are defaulted from ARC and can be modified Liquidation option should be selected from the toolbar menu to activate liquidation process 11 4 4 Charges for the Instrument The charges that you have specified in the ARC Maintenance for the instrument branch and currency combination for the transaction are applied by default ORACLE Click the Charges tab in the main Instruments Transaction Query screen to view the charges Instruments Transaction Query TRANSACTION DETAILS CHARGES Charge Account Charge Branch LBL _BLK_VWWBVVYS_CHARGE_DETAILS General Ledger LBL_THIER_ACC Currency Amount Netting Transaction Code LBL_CHG_ACCY MIS Head MIS Clearing Accounting Entries Input By Date Time Authorized By Date Time Contract Status The following details are displayed in this screen based on the ARC record for the instrument branch and currency combination chosen for the transaction e The charge account typically the income account that you have specified in the c
236. onding Ft contract reference numbers also You have to reverse the Ft Contract Ref nos manually If a Check has already been printed you are required to cancel the Check manually save and authorize the cancellation and then proceed with reversal FT Upload Account This is the miscellaneous GL that is credited with the consolidated Check amount when an Ft upload occurs The suspense GL Account associated with the instrument type is debited for this amount On selection of the account the branch in which the account resides gets defaulted If you select a GL the current branch gets defaulted After you save and authorize the record the system automatically generates the Check leaf numbers based on the Check book number and the total number of Check leaves you have defined for the book The system also maintains the status of each leaf in the book Viewing the Check Leaf Number and Status Click Status button in the Instrument Type Maintenance screen to invoke the Status of Check screen 13 3 ORACLE In this screen you will see the individual Check numbers and Check status By default the status of a Check is Not Used E Web Page Dialog Instrument Type Branch CHO Account Cheque Book Mo Account Branch Change Status To Instrument Leat Details E Cheque Mo Status Amount Beneficiary Generation Date Value Date Cancel The operation you perform on a Check book effects the corresponding
237. onsumer Loan Fraud e Counterfeit Check e Counterfeit Credit Debit Card e Counterfeit Instrument other e Credit Card Fraud e Debit Card Fraud e Defalcation Embezzlement e False Statement e Misuse of Position or Self Dealing e Mortgage Loan Fraud e Mysterious Disappearance e Wire Transfer Fraud e Terrorist Financing e Identity Theft e Other SAR A C Status Select the account status of SAR from the adjoining drop down list The list displays the following values e Active e Inactive lf the customer account is marked for SAR but not displayed in any of the reports an override message will be displayed asking for your confirmation You need to confirm it 15 10 ORACLE 15 7 Viewing Suspicious Activities Report Summary Details You can view the summary of the suspicious activities of the customer through the Suspicious Activity Report Summary screen You can invoke this screen by typing CASSARM in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Suspicious Activity Report Summary Authorization Status w Record Status wi Branch A Suspect Customer ID TH FulName H Suspect Status ssumn __al Advanced Search Records per memes 15 il of 4 Authorization Status Record Status Suspect Customer ID Full Name Suspect 4 You can query on records based on any or all of the following criteria e Authorization Status e Record
238. osits made to commercial banks and to regulate institutions use of deposit holds It is called as Regulation CC or Reg CC after the Federal Reserve regulation that implemented the act Regulation CC stipulates four types of holds that a bank may place on a Check deposit at its discretion You can capture limited Regulation D and regulation CC details for the customer account using the REG Details screen To invoke this screen click the REG button in the Customer Accounts Maintenance screen The screen is shown below REG Details Reg D Applicable REG D Period Q Periodicity Monthly Start Date Statement Cycle End Date vane Electronic Data Sharing Reg CC Availabilty Electronic Data Sharing Effective RegE Applicable Date REGDD Applicable REGDD Product RegE Effective Date Overdraft Protection OD Protection Limit Amount Reg CC Availability Check this box if the check deposits into this account should be considered for Regulation CC aggregation 3 48 ORACLE Reg E Applicable Check this box to indicate that Regulation E is applicable for all accounts thereby tracking all accounts undergoing EFT transactions Overdraft Protection Select your preference for overdraft from the drop down list You can choose to opt in or opt out from the overdraft facility The drop down list displays the following options e Optin e Opt Out REGDD Applicable Check this box to indicate that the IC product can be used fo
239. ou have to maintain an SDE for advance interest calculation on the amount withdrawn from the customer account The system takes up all accounts belonging to a product for which the option Advance Interest in Notice Preferences screen is enabled for calculating the Advance Interest For more details on maintaining this SDE refer to the section Maintaining SDEs for Computing Advance Interest in the chapter Maintaining System Data Elements of the Interest and Charges User Manual The following examples describe the calculation of advance interest Example1 Calculation of penalty interest partial utilization In this illustration the withdrawal amount is only partially exhausted through free amounts and notices Credit interest rate 2 00 Penalty Interest rate 0 50 Notice period 90 days Free amount per month 2000 EUR Customer withdraws EUR 8 500 00 on 15 07 2005 without any prior notice The following table describes the calculation of penalty interest in this case Type Notice Amount Basis Penalty Penalty Free Free Passed Amountfor Days Interest Amount Amount Penalty Amount Notice Available Calculation 15 07 20 Free 2000 00 8500 00 6500 00 17 15 07 05 1 53 EUR 05 Amount until 31 07 05 01 08 20 Free 2000 00 6500 00 4500 00 31 01 08 05 1 94 EUR 05 Amount until 31 08 05 01 09 20 Free 2000 00 4500 00 2500 00 30 01 09 05 1 04 EUR 05 Amount until 30 09 05 oe
240. ount Check this box to indicate the salary account which should be selected for loan recovery on salary credit By default this option is unchecked Dormancy Parameters lf Transaction Code associated with the account has the Consider for Account Activity option enabled the dormant status of the account will be updated to Active Apart from this you can specify the parameter that is required for re activating the account Choose from the following options to indicate the re activation parameters for the dormant account e Debit e Credit e Any e Manual In case of a transaction the system will check for the parameter you have specified here and accordingly change the status of the account The parameter you specify here will supercede the parameter you have maintained at the account class level Specifying Waiting Period for First Debit and OD Transaction You can edit or modify the following first debit and OD transaction waiting period details that are defaulted from the account class screen Debit Waiting Period in days System defaults this information from the account class screen However you can modify the same During the debit waiting period e The account will be in No Debit status and system will not allow the customer initiated debits like Recurring Transfer s or cash withdrawal from ATM e Only system initiated debits like levying service charges on account are allowed Besides credits and credit reversals are
241. p right corner of the Application tool bar and clicking on the adjoining arrow button Amount Block Input Account Number Sequence Number 45368 Amount Expiry Date E Effective Date Amount Block Type Flexcube _ Remarks Reference No Hold Code Hold Description Input By DOCS Date Time Modification Number We authorized Authorized By Date Time iv Open You can capture the following details here Account Number Specify a valid account number of the customer for which you wish to maintain an amount block The adjoining option list displays all valid customer accounts maintained in the system You can select the appropriate one Sequence Number The system automatically displays the amount block sequence number Amount Specify the amount to be blocked Effective Date Specify the date from which the amount block is effective For CASA amount block type the effective date is the branch current date Expiry Date Specify the date on which the amount block is released so that it is available for withdrawal to the customer For CASA amount block type there is no expiry date m ORACLE Amount Block Type Select the amount block type from the adjoining drop down list The available options are e FLEXCUBE e Switch e PreAuth e Escrow e System e CASA indicates an amount block that is created due to debit transaction processing in Primary Accounts e Bulk Salary The option System
242. passed to the account A1 it would go through but in case a Cr entry is passed for this product then the system will display a message indicating that the transaction is restricted for the account Description The system displays the description for the product code that which you have specified Dr During transaction processing the system will validate whether any restrictions are placed on the account based on either product and or transaction code If you have indicated to allow Dr Transactions for the product ABCD and attempt to post a credit entry the system will seek an override You can continue the transaction despite the restrictions by providing appropriate reasons for the same During maintenance or online operations in the respective contract screens for the restricted transactions when you specify the customer account the system checks whether the account is restricted for the product that has been selected or the debit credit transaction type If so an override is sought when such contracts are saved Cr During transaction processing the system will validate whether any restrictions are placed on the account based on either product and or transaction code If you have indicated to allow Dr transactions for the product ABCD and attempt to post a credit entry the system will seek an override You can continue the transaction despite the restrictions by providing appropriate reasons for the same During maintenance
243. performed Alternatively the discount if any which is applicable can be specified as a percentage of the calculated consolidated charge amount Discount Percentage You can indicate the discount percentage if any which would need to be applied to the calculated charge After the discounting has been applied the Maximum and Minimum validations are performed The discount if any which is applicable can also be specified as a flat discount amount 3 1 17 Specifying BIC Details You can capture details of all SWIFT BIC that should be allowed for a customer account using the Authorized SWIFT BICs for Customer Account screen To invoke this screen click BIC button in the Customer Accounts Maintenance screen Authorised SWIFT BICs for Customer Account Account BIC Codes C BIC Code Description o caver Account Number The system defaults the account number of the customer in this field BIC Code Specify the BIC here You can choose any valid BIC maintained in the BIC Code Maintenance screen 3 42 ORACLE Description The system displays the description for the corresponding BIC that you have specified 3 1 18 Specifying Account Operating Instruction Details You can capture details for operating the account using the Account Operating Instructions Maintenance screen To invoke this screen click Instructions button in the Customer Accounts Maintenance
244. r 17 6 ORACLE 17 5 1 2 Debit Interest on Current Accounts IACR Accounting Entries ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 7 ORACLE Accounting Role Amount Tag Debit Credit Indicator 17 5 1 3 Interest on Current account for Corporate Customer IACR Accounting Entries ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator a ORACLE 17 5 1 4 Interest Liquidation before month end on Saving and Current Bank Accounts For Retail Customer IACR Accounting Entries ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator ue ORACLE Accounting Role Debit Credit Indicator 17 5 1 5 Interest on Saving and Current Bank Accounts for Retail Customer IACR Accounting Entries ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator mt ORACLE 17 5 1 6 Charge on Less Average balance ILIQ Accounting Entries 17 5 1 7 Dormancy Charge On Accounts ILIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 11 ORACLE Accounting Role Amount Tag Debit Credit Indicator 17 5 1 8 Ad Hoc Statement Charge CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 9 Check Book Charges CLIQ Accounting Entries Accounting Role Amount Tag Debit Credit Indicator 17 5 1 10 Checks Returned
245. r current savings overdraft etc You may specify both the nature and the purpose of the account Account Type You have to indicate whether the account is to be opened only by the account holder or whether it can be jointly operated Country Code Specify the country of the customer This adjoining option list displays all valid country codes maintained in the system You can choose the appropriate one The country information is captured to enable Mantas to analyse the transactions for possible money laundering activities Account Open Date You have to capture the date on which the account was opened Alternate Account Number You have to define an alternate account number for the account you are defining The alternate account number that you specify should be unique for each customer You can capture the old account numbers used by your bank before installing the Oracle FLEXCUBE system The old account numbers would be mapped with the new account numbers This would facilitate quick tracking of the account and generating queries In the Data Entry Module you can input a transaction using the alternate account number instead of the actual account number ORACLE Clearing Account Number The clearing account number for the customer account is generated automatically if you have opted for auto generation in the Branch parameters The account number is created according to the account mask you have maintained for the branc
246. r APY APYE calculation However this is defaulted from the Account Class maintenance REGDD Product Specify the IC product required for APY APYE calculation Overdraft Protection Limit Amount Specify the overdraft limit amount The system displays an error message if this is left blank when you have opted in for the overdraft facility Reg D Period Specify the following details Reg D Applicable Indicate whether the Regulation D limits are applicable for the account Periodicity If you indicate the periodicity of Regulation D applicability as Statement Cycle the restricted transactions would be counted over the primary statement cycle defined for the customer account Start Date The start date for Regulation D applicability is first set to be the date on which you mark the availability option in this screen Subsequent to the first period the EOD process would update the start date according to the periodicity defined End Date Subsequent to the first period the EOD process would update the end date according to the periodicity defined oe ORACLE 3 2 4 Electronic Data Sharing Check this box to indicate that the customer has agreed to be a part of the bank s electronic data sharing program Electronic Data Sharing Effective Date Specify the date after which the electronic data sharing should be applicable This date must be greater than the account opening date Specifying Account Status Det
247. r Forward to indicate your preference You may also desire that the schedule for bulk upload of PDCs gets modified according to the holiday treatment that you specify That is if a particular schedule day falling on a holiday is shifted backward forward then you may wish the subsequent schedule days also to move e Forward e Backward by the same number of days Accrual Frequency Specify the frequency in which the interest components are to be collected The frequency can be Daily Monthly Quarterly Half yearly and Annual 10 6 ORACLE Accrual start month Specify the month when the accrual should happen if the frequency is selected as Quarterly or above Accrual start date Specify the date of the month when the accrual should happen if the frequency is selected as Monthly or above Charge to be collected in Specify the option for collecting the charges from the adjoining drop down list The available options are e Advance The charge defined can be collected in advance e Arrears The charge defined can be collected in arrears The overdue charge component is always collected in arrears irrespective of preferences defined Frequency amp Cascade Scheduling Check the Cascade scheduling option if you wish subsequent schedule days to be recalculated when a particular schedule day is shifted If you do not select this option then the original schedule is maintained This Check box is enabled only if you ha
248. ransfer the system validates if any stop payment instruction has been issued against it Payment against a Check is stopped if a stop payment instruction exists for that Check Stop payment for a Check can be specified for a defined period You can also maintain a stop payment bearing no expiry date i e the instruction remains effective until revoked Maintaining Stop Payment Orders You can invoke the Stop Payment Input screen by typing CADSPMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 8 1 ORACLE 8 2 1 a Stop Payment Input Account Number Customer Name Stop Pay Number stop Payment Type Check v Xref Stat Check End Check Check Amount Confirmed Effective Date Expiry Date Remarka Input By DOC Date Time Modification Number E Authorised Authorised By Date Time H open In this table you maintain all stop payment orders enforced for a customer account The sequence number of the present stop payment instruction is displayed in the field Stop Payment No Here you define the following e Account number on which you are enforcing a stop payment e Whether stop payment is being defined against Check Checks or an amount e f stop payment is based on Check then the start and end Check numbers e f stop payment is based on amount then the Check amount e Amount for which the stop payment has been enforced e Period for whic
249. reen The account number can be a combination of the account class customer code CIF Number serial number or currency as defined in the customer account mask The last constituent of the account number is always a system generated check digit it could be alphabetical or numeric depending upon the mask defined You cannot alter the relative position of the constituents of customer account as defined in the mask while maintaining actual customer accounts Customer Number If you have included the CIF Number of the customer as part of the Account Mask the system automatically defaults the CIF code of the customer in the respective field You will not be allowed to modify this code However while defining the Account Mask in the Account Parameters section of the Bank wide Parameters screen if you have specified that the CIF Number should not be a part of the account mask you will have to specify the customer code manually A list of all the valid customer codes is displayed in the available option list You can select the appropriate Customer Name The name of the customer is displayed based on the CIF ID that you have mentioned in Customer Number field Currency You have to identify the currency of the customer account A list of all the currencies maintained in the system will be displayed in the available list You can select the currency of transaction for the respective account If the currency of the account is not defined
250. related to the transactions e Images of checks e Combined Account statements For this you can maintain various charge values along with their corresponding codes in the Statement Charge Code Maintenance screen You can invoke the Statement Charge Code Maintenance screen by typing CSDZSTOP in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button ci ORACLE 3 4 Statement Charge Code Maintenance Waker Date Time Mod Ho Checker Date Time Record Status Authorization Status You can specify the following details in the above screen Statement Charge Code Specify a unique code to identify the charge value being maintained Statement Charge value Specify a flat amount which is to be levied from the customer as charges for providing the account statement The customer is charged for the combined statement based on the charge slab maintained in the IC product The SDE STMT_CHG_CODE is provided in the IC module to charge the customer for combined statement The SDE STMT_CHG_CODE is not used for Charge Calculation Generating a Combined Account Statement Account statements of multiple accounts of a customer can be combined and generated as a single statement Such Combined Account Statements can include either all accounts or all the accounts of a customer For any customer you can specify whether a Combined Account Statement is requir
251. released as part of the EOD batch process executed on the expiry date 7 10 ORACLE 8 1 8 2 8 Maintaining Stop Payment Details Introduction A Stop Payment maintained in the stop payment table is an instruction given by a customer to his bank directing it to stop payment against a Check This instruction can be based on any of the following e Asingle Check number e Arrange of Check numbers e The amount for which the Check is drawn e Acombination of Check number and amount for which the Check is drawn You can maintain stop payment instructions for Checks issued from within Oracle FLEXCUBE as well as external Checks At the time of creating a stop payment instruction the system validates the Check number against the existing details Since details of external Checks are not available internally the system displays an override If you confirm the override Flexcube will store the external check details in check details maintenance with the status as Stopped and the check type as EXTN at the backend External check details which are stopped will not be available through the Check Book Maintenance and the Check Details Maintenance screens When a stop payment is affected the stop payment status in the Customer Accounts Maintenance table gets updated to indicate the presence of a stop payment instruction for the customer account Whenever a Check based transaction is initiated through Data Entry or Funds T
252. rent effective dates for an account When interest is calculated on a particular day for an account with special conditions applicable the value of the UDE corresponding to the date will be picked up Typically you would want to open records with different Effective Dates if the values of UDEs vary within the same liquidation period 3 1 15 Specifying Charge Details You can capture details of charges for the account using the Account level charges conditions screen To invoke this screen click the Charge button in the Customer Accounts Maintenance screen Account level charges conditions Account Details Branch Code ooo Account Product Details 1of 1 Product Code Minimum Description ESR im B x Gurancy Free tems Waive Charges Open 1 of 1 List of Slab Amounts C Slab Amount Charge Amount Rate Branch The Branch Code to which the account belongs for which you are defining special conditions is displayed in this field Account The Account number of customer for which you are defining special conditions is displayed in this field Aa ORACLE You can click the Default button to default the Charge Products and the corresponding details applicable for the account You can then modify these values to define the special conditions 3 1 15 1 Specifying Product Details Specify the following details Product The system defaults a prod
253. reversal 14 1 3 Maintaining Batch Reservation for OD Charge Reversal You need to maintain a batch for the overdraft charge reversal using Journal Batch Reservation Maintenance screen You can invoke this screen by typing DEDBTRES in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button i ORACLE gt Journal Batch Reservation Maintenance Branch Code Source Code Batch Restriction Detail Batch Number Remarks O Input By DOCS Date Time Modification Number Authorised Authorised By Date Time B open Branch Code Specify the code that identifies the for which you are maintaining the batch reservation Source Code Specify the upload source code For overdraft charge reversal this has to be the source that you have maintained for that purpose Batch Number Enter a number to identify the batch Remarks You can enter a brief description on the nature of the batch reservation Example for Charge Reversal Customer ABC has account AC1 System date is 07 May 2007 The book balance as of 07 May 2007 in account AC1 is USD 100 000 Dr Combined book balance for the customer is USD 100 000 Dr Suppose that the booking account for the overdraft interest charge is AC1 and the overdraft Interest rule is calculated on the combined negative book balance of the account The interest rule is Min USD 25 and 0 01 of negative book balance Then the overdraf
254. rges Recurring Transfer Linked Entities REG Account Status Currency Limits mas Statement Joint Holders Fields Deposits Instruction Billing Parameters Account Signatory Interim Transactions Report Wotice Cards OFAC Check Change Log Maker Date Time Record Status Cancel Checker Date Time Authorization Status Details maintained in this screen are classified into three broad heads Here you maintain the main attributes of each customer account like the account number customer code the account class account currency type of account single or joint account status other statuses applicable Check Book preferences etc Auxiliary Under Auxiliary you can view other details like provisioning etc Beneficiary Beneficiary details are maintained under Beneficiary head Checklist Under the checklist tab you can capture document checklist details for the account The Customer Accounts Maintenance Main screen is displayed by default when you invoke the Customer Accounts Maintenance screen The Branch Code of the sign on branch is on display os ORACLE Branch Code The system displays the branch code of the sign on branch Account You can indicate the account number of the customer One customer can have any number of accounts The structure of the account number is defined in the customer account mask maintained in the Account Parameters sub screen of the Branch wide parameters sc
255. rint the legal title maintained here after the customers full name with a comma placed immediately after the last character of the customer name followed by a space at the time of report or statement generation or extract generation to the customer s full name System will display only the customer name at the time of account statement generation if you have not maintained legal title abbreviation for an account holder System will automatically truncate the legal title abbreviation if the legal title abbreviation is not fitting in the printable area It will not truncate the customer name in any situation The legal title abbreviation is included in the advice format for account statement next to the customer name 2 ORACLE 3 1 2 1 Location An address for a customer account is based on the Location and Media combination Location codes maintained through the Account Address Location Type Maintenance screen are made available against this field The address maintained here is always the primary or the default address Each customer can have several addresses for a particular media To distinguish between one address of a customer from another for a given media it is essential for you to specify a unique location for each address Also if you are amending an address here the same gets updated in the Customer Account Address Detailed table after the validations are through Media Indicate the media for whic
256. riodicity Select Periodic from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Leave this box unchecked Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions cei MON_AVG_BAL gt 0 AND MON_AVG_BAL gt MIN_BAL_REQD MON_AVG_ BAL lt AVSLAMT CHGAMT 1 MON_AVG_BAL lt AVSLAMT2 AND MON_AVG_BAL gt AVSLAMT1 CHGAMT2 MON_AVG_ BAL lt AVSLAMT3 AND MON_AVG_BAL gt AVSLAMT2 CHGAMT3 MON_AVG_BAL lt AVSLAMT4 AND MON_AVG_BAL gt AVSLAMT3 CHGAMT4 MON_AVG_BAL lt AVSLAMTS AND MON_AVG_BAL gt AVSLAMT4 CHGAMT5 Formula 2 Specify the following details Book Flag Select Tax from the adjoining drop down list Periodicity Select Periodic from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Leave this box unchecked Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen
257. rovide Account Number and click Query button to view all Account Numbers of the customers and its linked customers in Linked Customer Details To query on any account displayed select the account and click Fetch button A query operation is performed on the selected customer and the details are displayed The displayed values are based on the query parameters provided 3 113 ORACLE 3 17 The details displayed are as follows Low and High Balance for a period The lowest and highest current balances for the period Average credit and debit balance for a period This is computed as the sum of credit debit current balances in a period divided by the number of days of credit debit balance during the period Credit and debit days The number of days the account was in credit debit balance in the period Credit and Debit Turnover The credit debit turnover for the period Excess days in debit balance The number of days in a month when the account exceeded the overdraft limits Overdraft Limit This is computed by summing the temporary overdraft limit and the sub limit of the account For each month this would represent the limit on the last date of the month Credit grade of the Customer This would be the prevalent rating on the last day of the period For the current period this information is provided up to the previous working day Printing of this information for an account is only possible if the Account Statistics option h
258. rrrrrrrrrrrrrrrrrrrrn 10 3 IUI dpe yne FOAUCE Trea ren ES sineira ein e aaien nsii T 10 5 10 1 4 Entering Details of Post Dated CHOCKS oc ccvidstcahinadinsantectdarinteabneninaddeimaddusanecbdarbinsaetuctaetsneddanarnchietes 10 8 1015 ViEWine ACCOUNTING ENFES oisi e ea 10 14 I0LO View FORE Ddl ssie a a ia ee eT 10 15 10 1 7 Viewing Summary of Post Dated Checks Transaction 10 16 IUIS Bulk Input of Tost Dared CHECKS ssrssersiennedoei eae anir o aa 10 17 10 1 9 Processing of PDCs that you have CHU CI CG cc ciara cntsedeatiscincantiacteadieateeisineledeleDsativcincnsndebaanmeeTtntebaloase stats 10 22 10 1 10 Lona N OTO T C E A E T AA ene ete eee 10 22 10 1 11 cancellation and Reversal Of PDCS asiosisssatcvnnasscastee ncaa naaa A dane AEAEE 10 22 10 1 12 Manual FOCI 100 fC ars nic eg teva E ERE E E N aed 10 23 10 1 13 Events and Accountino TKOI ON gocaicecct oiinssclacteaiiateaives EE esis AERE AEE EAE EREEREER 10 28 10 1 14 1AE S EEEE O A E E A A S A E E T A 10 34 TT INSTRUMENT DETAI S oea A AAE 11 1 a P D a EDLE CRON E E AE E E E E E A E TET 11 1 11 2 MAINTAINING THE DETAILS OF THE INSTRUMENT cccccssecceeeeereeceeetesssscoeeaeeseceeeeeeseeecesttsnsscoeeaaeseees 11 1 11 2 2 Maintaining Instrument Types for Outward Clearing Checks 11 3 11 3 MAINTAINING INSTRUMENT TYPES FOR OTHER BANKS cccccceeesessseceeeeceesessnaaeeeeceeeeessaeeeeeeeeeeesaaees 11 3 LLA ENTERINGINSTRUMENTS IRANSACTIONS keseenisstoen ie rennara EEE E Ea r ieaia
259. runs a CASA batch adding the following process SODALERT e Identify the SOD accounts to be processed e Read the percentage for breach calculation e Identify if the breach happened e Generate the alert to intermediate data store e Generate the MSG handoff in case the medium is mail e Complete the message generation if the medium is mail e Update the dispatch flag as processed Creating a Message Advice Format You need to create a message advice format through the Advice Format Maintenance screen with the format named SOD_CR_UTIL You should also create an outgoing generic interface to generate ASCII file where in the component details for the generic interface are the elements from the new data store You need to schedule this generic interface to be executed during EOD through GIDPRSIF batch uae ORACLE The system processes alerts only if the email address and mobile number are maintained for a customer You can know the Limit Utilization Breach for the account by the application of the following formula Utilized limit amount 2 SOD Amount SOD notification percentage 100 Example Assume the following for processing alerts e Certificate of Deposit booked is for Rs 100 000 for account CHO123 e SOD amount for the corresponding CD CHO123 is Rs 90000 e SOD Notification Percentage is 90 If the Utilized amount for the OD is equal to or greater than Rs 81 000 then the customer is alerted that th
260. s Interest Booking Branch By default the customer s account in the current branch will be displayed in this screen in the Interest Charge Booking Account and Interest Charge Booking Branch fields However you have the option of booking interest charge to a different account belonging to another branch also You can select the Interest Charge Booking Branch from the option list available The accounts maintained in the selected Booking Branch will be available in the option list provided for Interest Charge Booking Account You can select the account from this list Interest Charge will be liquidated into the selected account Interest Booking Account You can select the accounts for booking interests on transactions processed at your bank At the time of creating an IC product if you have maintained the booking account type as Interest in the Interest and Charges Product Definition screen the Interest will be liquidated into the Interest Booking account By default the customer s account in the current branch will be displayed in this screen in the Interest Booking Account field However you have the option of booking interest to a different account belonging to another branch also The accounts maintained in the selected Booking Branch will be available in the adjoining option list You can select the appropriate account Interest will then be liquidated into the selected account Charge Booking Branch By default
261. s You can also view the exception code summary and details through the Exception Code Summary screen You can invoke this screen by typing STSCUEXP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Exception Code Summary Account Number Advanced Search Refresh Reset Records per page 15 I 4 O 4 Account Number You can query on records based on the account number Click Search button The system identifies all records satisfying the specified criteria and displays the related details for the account 3 1 10 Capturing Auxiliary Details Click on the Auxiliary tab to invoke the following screen a ORACLE Customer Accounts Maintenance Branch Code 000 Account Currency SD User Reference Main Positive Pay Stale Days Fund Branch Funding Account Validation Digit Check Book Preferences Reorder CheckLevel Reorder Number Of Leaves Check Book Name 1 Check Book Name 2 Max of Check Rejections Account Facilities Gurdi s Benefic ary hec klis Positive Pay Funding Mod 9 Validation Required Deferred Reconciliation Auto Reorder of Check Book Check Book Passbook Customer Number Customer Name Account Class Provisioning Details Exposure Category Risk Free Exposure Amount Provisioning Currency Options ATM Deta
262. s 3 Delivery Address 4 ields View Check Status Input By DOCS Date Time Modification Number Authorised Authorised By Date Time H open a ORACLE 9 1 2 In this screen you can maintain the following details for a Check book issued to a customer e Customer account number e First Check number of the Check book e The total number of Check leaves in the book e The Kind of Check whether Euro or Commercial e The date on which the order was placed for the book e The date on which the Check book was issued e Any other order related detail Customer Name The system displays the customer name along with the legal title for the account separated by a comma Defining Check Book Details The following details need to be maintained for a Check book Account Number Specify the account number of the customer to whom you are issuing a Check book in the Account Number field The adjoining option list displays all customer account numbers maintained in the system You can choose the appropriate one Highlight the customer s account number and click Ok button to select First Check Number When issuing a Check book you have to capture the number of the first leaf of the Check book Check Leaves Specify the total number of leaves in the Check book you are issuing the customer Kind Of Check book A Check book for customer can be of two types commercial and Euro A radio button is provided by which you can make your c
263. s for a bulk input where the check in series box is not selected an error will be thrown while saving The following operations are also allowed for this screen after the query operation e Unlock e Save e Authorization Unlock Changing details of an unprocessed PDC You can only modify an unauthorized and unprocessed PDC If during modification you change the amount activation date currency remitter account number or charge payable details then the contingent entries passed during initiation gets deleted and new entries are passed based on the modification done 10 27 ORACLE 10 1 13 Events and Accounting Roles For the Booking of Check Discounting an event CDIS is triggered and for booking of Check Purchase an event CPUR is triggered An event PULL will be triggered for pullback processing When the customer opts for pullback of the Check the Check transaction will be cancelled and pullback charges are applied The Reverse operation can be used to perform the pullback process 10 1 13 1 Discounted Check Advance Charge collection with Accrual Event CDIS Check discounted PD_TAG er Event PULL PDC_ISSUE PD_TAG PDC_ISSUE_CONTR PD TAG PD_PULLINC PD_CHG_TAG Event RETN 10 28 ORACLE Check discounted PD_ TAG lt interest comp gt _Adj lt interest comp gt _Adj Event ACCR lt Interest comp gt ACCR lt Interest comp gt ACCR 10 1 13 2 Discounted Advance charge collection wi
264. s the Deposits Instruction screen Billing Parameters This invokes the Billing Parameters screen Account Signatory This invokes the Signatory Details screen Interim This invokes the Interim Transactions Report screen Transactions Report U ORACLE This invokes the Notice Preferences screen This invokes the Cards Summary screen OFAC Check Through this button you can call the OFAC service and view the response from the OFAC system Change Log This invokes the Customer Address Change Log screen 3 1 14 Specifying Interest Details You can capture details of interest for the account using the IC Special Conditions Maintenance screen Click the Interest button in the Customer Accounts Maintenance screen to invoke this screen 1C Special Conditions Maintenance Actoni Details Branch Cede Account f Calculation Account ai interest Start Date interest Booking Account a Charge Start Date Change Booking Account a3 interes Booiong Branch terest Statement E Or cr Advices Consolidated Charge Account at Change Boging Branch Consolidated charge branch Product Details Product Code E Currency 5 UDE Cu y i Generate UDE Change Advice integrated Lit Predict de E Oven L Product Type i c fectet Date E lecie Date Gi UDE Wplpts E User Deined Element D p Ok Cancel A ORACLE Specify the following detail
265. saction Input screen If you want to reverse the prepayment and authorization you will have to manually link the cancelled loan payment through Post Dated Check Transaction Input screen o The system will generate advices when the PDC is cancelled This advice contains the message type PD_PDC_CAN with PD module 10 1 12 Manual Realization of PDCs There are two possible ways of PDC realization based on the product setup e Auto Realization e Manual Realization For early late realization You can invoke the Post Dated Checks Manual Realization screen by typing PDDMANLQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 10 23 ORACLE PDC Manual Realization is query screen where you can enter the Reference number of the clearing transaction Post Dated Cheques Manual Liquidation Transaction Reference Number Product Code Remitter Account Number Beneficiary Account Number Amount Value Date Account Mumber Clearing Details Clearing Product Issuer Branch Clearing Bank Clearing Branch Sector Code Amount Cheque Status Operation To Date From Date Charge Payable Details Purpose Charge Branch Accounting Entries Input By Date Time Event Sequence Number Source Code External Reference Branch Code Instrument Humber Currency Remarks Routing Number End Point Issuer Bank Bulk Transaction Refere
266. saction only if this checkbox is checked Pass Contingent Check this box if you wish contingent entries to be passed during PDC initiation Depending on the type of PDC the following contingent entries should be defined 10 5 ORACLE When a customer deposits PDC into own account Accounting Role Head Amount Tag Dr Cr Indicator Contingent Asset PDC_RECEV Dr Contingent Liability PDC_RECEV_ CONTRA Cr Bank Issues PDC Accounting Role Head Amount Tag Dr Cr Indicator Contingent Asset PDC_ISSUE CONTRA Dr Contingent Liability PDC_ISSUE Cr Discount Purchase Check this box to allow discounting purchasing for the PDC instrument Discounting purchasing will be allowed for the PDC instrument only if the product is defined for this change of operation Bulk Input Allowed Check this box to indicate that this product can be used for bulk inputs If this box is not checked this product is available only for single online contracts Oracle FLEXCUBE supports bulk input of PDCs where a single contract is entered for multiple PDCs If you allow bulk input you can indicate the default instrument number and frequency of the PDCs This value defaults to bulk input contracts but can be changed while entering the bulk input contract Holiday Treatment If the liquidation event for a PDC falls on a holiday you may wish that event to take effect either on the previous or on the following day Select either Backward o
267. sase 9 1 9 1 INIR OD E MG x epee eaten E rae eee ne ere nee ee eer ee A ee 9 92 MAINTAINING STATEMENT PREEERENCE S oecccciei sisi aiaceceiatnanaveccivncteniainiectacecwicgnaassesdavnshsadsaattacdexassiadacaeeaeiess 9 1 9 3 SPECIFYING FORMAT OF ACCOUNT STATEMENTS poreerireai ereer re aa E a A a E a E aa Eae TRR 9 3 9 3 1 ACS OAE A a E E A T A ee ea E 9 3 9 3 2 Term Deposit Rate Change Advice Format oeeeeeeeeeeeeeeeseesseseeeseseseseseseessreersrereerererererrrrrrren 9 1 9 3 3 Maintaining ACCOUNT Class Details ess iascsicsccucasuthaaeaisinatasassinaaeamsiaictanoahncea woinatbueaieltaateaesigaicstieeshetinisinatdnementas 9 14 9 3 4 MIGIAIGQINING Messa GC dV DCS suiran eese a E EEE E tipo shah N Nese adeeteeaeeNs 9 14 9 3 5 Maimainino CUSTONICY AAAI CSS sierran er NESE RETS scant NEEE OEE ERR 9 23 9 3 6 Maintaining Statement Generation Preference cccccccccccccccccc cece cece EEE EEE 9 24 9 3 7 Maintaining Ad HOC Statement REQUCSIS viacwisidsiensrcssnnenssiaknd viesiawnsiinevs iuhetesnnadeasdaiaaessaeeshassaioanteseeasss 9 26 9 3 8 Maintaining Automatic Consolidated Statement Requests c e 9 29 10 PROCESSING POST DATED CHECKS eeeeeoeeeeeeeeeseoeseseeesesososeossesosossosesccccesececccesccecesesccssessssssssssse 10 1 TERIOR E E E S E eee ee ea gsc cease E E ete 10 1 Old Maimamina ad BY ON ig 26101161 Re eir oe oe N en EEEE AEE E E ETE 10 1 10 1 2 Specifying Accounting Entries and Advices for EventS eeeeeeeeeeeeeessssessessssr
268. seusecsssueesseueecseeueesegs 3 103 3 9 LEVYING PENALTY INTEREST ON NOTICE ACCOUNTS cccccccsscccssccsscceeccesscescseeccessseusceeeceusssessseeseusess 3 104 3 10 MAINTAINING NOTICE PERIOD FOR WITHDRAWAL ccccccecccsecceeceeecceescceescencseusseeuceescseseseeeseesceuseseeesees 3 107 3 11 VIEWING UTILIZATION OF FREE AMOUNTS ccccccscccsseccccsccccscccesscessssesceeeesseeseuseseussceeescsseesseeeseuss 3 108 3 12 VIEWING DUMMY NUMBERS ASSOCIATED WITH CIF NUMBER j cccccccseccceeccceseceeeeceeeesseeesseeeseeseceees 3 109 3 13 WITHDRAWAL OF FUNDS WITHOUT PENALTY cccccccecccscccsssccesccuscuscseessecuccescseeeseeuscesesseeseenseeneeueesees 3 110 Dele OSTEO GAG COIN assert caries ce E A seeceaealaciomagectennossaeae ae 3 110 3 15 RECORDING DETAILS OF LODGMENT BOOK REQUESTS cc csccseccescceccesccescesccesccescesscesscussesscesseuscensees 3 112 240 QUERYING FOR ACCOUNT STATIS PICS ccnisssccsucessaciadussiiun cau sequmtass baussiecde awa dunstiiawssassanedeantcnndessatondeasieancwedeiun 3 113 S17 VIEWING CUSTOMER ACCOUNT BALANCE wiccscucsisunseaniiencseeetandesticandecceieadass EES E EENE EE 3 114 MAINTAINING TAX ALLOWANCE LIMIT eeoe eseoossoeosseesssoesssoosssocsoseosssossosocsososososesossosssseososossssosso 4 1 4 1 PINT RO MU CTO conire sa caimaceata E seule enneaaeseon sclembannbaueeeossunueoncsaet 4 4 2 MAINTAINING CUSTOMER ACCOUNT TAX ALLOWANCE ccccccccccccessccceescceceeccceusececeesccse
269. ssages generated for the account You can choose the appropriate values applicable e Previous MT940 This indicates all transactions posted and authorized since the issue of a previous MT 940 in the current balance report e Previous MT941 This indicates all transactions posted and authorized since the issue of a previous MT 941 in the current balance report e Previous MT950 This indicates all transactions posted and authorized since the issue of a previous MT 950 in the current balance report oe ORACLE 3 3 You can synchronize the time instance by hours for generation of the balance message by clicking the Times button gt Account Report Gen Time 1of1 pa E Generation Time e This screen is employed to indicate the the time instance in hours for the generation of the balance report Message generation time Specify the timing for generation of the MT 941 MT942 message You can specify the time interval in hours only The details for issuing the balance reports are discussed in the chapter Maintaining Mandatory information for different accounts under a particular class The details involved in generation of a balance report for a specific customer account correspond with those discussed for account classes Maintaining Account Statement Charge Codes You may wish to charge your customer for generation of account statements especially if they have additional features such as e Documents Deposit slips
270. t Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expression DLY NET BAL M lt 0 ABS DLY_NET BAL M Formula 3 Specify the following details Book Flag Select Booked from the adjoining drop down list Periodicity Select Daily from the adjoining drop down list Debit Credit Select Debit from the adjoining drop down list Days in a Month Select Actuals from the adjoining drop down list Days in a Year Select 365 from the adjoining drop down list Accrual Required Check this box Rounding Required Check this box Click Formula Wizard button and invoke the Formula Wizard screen In this screen you need to maintain the following expressions FORMULA2 gt ABS DLY_NET_BAL_M NORMAL_RATE2 DAYS ACCOUNT LIMIT YEAR 100 FORMULA2 lt ABS DLY_NET_BAL_M NORMAL_RATE3 DAYS ACCOUNT LIMIT I YEAR 100 18 2 3 Interest on Current account for Corporate Customer Specify the following details On Account Opening Month Check this box On Account Closure Month Check this box SDE Maintain the following SDEs e DAYS e MON AVG BAL M e RD_ IN
271. t Mobile number from CIF personal information Maintaining Preferences for Document Delivery Mode You can maintain account level preferences for document delivery mode and document preference for statements For this you need to create a statement extract file as part of statement processing The statement extract file defines the output destination and characteristics of the finished statement You can do this through the Customer Document Delivery Mode screen You can invoke this screen by typing STDACDOC at the top right corner of the application tool bar and clicking the adjoining arrow button rs Document Delvery Mode Account level preference Account Number Ta Customer D Customer Name Customer Type C Commercial Check Disposition Current Cycl image checks on the stmt a Check Disposition Next Cycle Check image Specification Front of check i a t Mal Gode Print and ma Ej Electronic Statement Create CO ROM Check image Count ka Enclosure Count Waker ime biga 2 Checker Record Status Cancel Auihonzaten Siaius In this screen you can perform the following operations e Open anew record e Save a record e Unlock a record oe ORACLE e Close a record e Reopen a record e Authorize a record e Query an earlier record Dou cannot delete a record after authorization Specify the following details Account Number Specify the account number The adjoining option
272. t Preferences screen you can indicate whether the mode of liquidation of bills is to be automatic or manual The system automatically liquidates those bills marked for auto liquidation If the bills are marked for manual liquidation you have to liquidate them through the Billing Liquidation screen The liquidation is triggered differently for each of the following scenarios e Account Based e Adhoc Based e Batch Based Refer the section Defining parameters for settlement iquidation of bill for an account in Billing User Manual under Modularity for details about this screen te ORACLE 3 2 16 Specifying Account Signatory Details You can capture details of signatories for the account using the Signatory Details screen To invoke this screen click the Account Signatory button in the Customer Accounts Maintenance screen Signatory Details Branch Code Account Account Description Customer Mo Minimum Mumber of Signatories Customer Mame Account Message Signatory Details F Signature ID Signatory Mame Signatory Type Approval Limit Signatory Message Solo Sufficient Signature Here you can capture the following details Branch The system defaults the current branch here Account Number This is the account number to which signatories are to being linked Account Description The system displays the description for the account you have selected Customer Number En
273. t Block Input level using Amount Block Summary screen You can invoke the Amount Block Summary screen by typing CASAMBLK in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Amount Block Summary Authorization Status Record Status Account Number az S quence Number az Amount Effective Date Expiry Date Reference No E01 E0110002901 Search Advenced Search Reset Records per par mo L Authorization Status Record Status Account Number Sequence Number Amount Effectiwe Date Expiry Date Reference No A C E0110002903 ABD326 100 000 00 2007 11 29 E01 E01 10002901 r Authorization Status r Record Status A Authorized C Closed U Unauthorized 0 Open You can view records based on any or all of the following criteria Authorization Status You can view records based on the authorization status of the amount blocks by selecting an option from the adjoining drop down list This list provides the following options Authorized Select this option if the amount block is Authorized Unauthorized Select this option if the amount block is unauthorized 2 ORACLE Record Status You can view records based on the record status of the account class transfer by selecting an option from the adjoining drop down list This list provides the following options o Open Select this option if the account class transfer is not eff
274. t a statement for this account at all Cycle You can specify the frequency for generating the account statements To specify the frequency of the statements click on the adjoining drop down list The following list is displayed e Annual e Semi annual e Quarterly e Monthly e Fortnightly e Weekly e Daily On For a weekly statement you specify the day of the week on which account statements should be generated and for fortnightly and monthly statements the dates of the month To specify for weekly statements click on the adjoining drop down list The following list of days will be displayed Monday e Tuesday e Wednesday e Thursday e Friday e Saturday e Sunday To specify for monthly statements enter a number between 1 and 31 corresponding to the system date oe ORACLE If you set the statement date to 30 then account statements will be generated on e The last working day for months with lt 30 days e For months with 30 days on the 30th if 30th is a holiday on the next working day If you set the statement date to 31 then account statements will be generated on e The 31 for month with 31 days if 31st is a holiday on the next working day e The last working day for months lt 31 days For a fortnightly statement you could specify 1 and 15 For all other cycles account statement will be generated on the last day of that cycle Statement Start Date For details refer the Statement Cycle upon Ac
275. t eae E a aea eE a aiiai 17 4 7 ACCOUNT STATEMENT REPORTS i vcscccncesensestetececatinsuatwitebucecicctaatiesaeincndeseeucvonSaWaduoneisiusvaniedsccdhvesudiestetadedsceds 17 6 17 6 SIGNIFICANT BALANCE CHANGE ACCOUNTS REPORT cccsccscsceccescecceccscecceccsccececcestecuscescescesescasceseses 17 12 LAF EOE T E a T AA E AAA A E E 17 14 S EOE T a csc sec sen ers se xcs A E 17 16 17 9 NON SUFFICIENT FUNDS OR OVERDRAFT REPORT cccsscocceccecceccccscectecescuscectecescesceseecescescescesescascseeses 17 18 17 10 ACH STOP PAYMENT REPORTS cocscbeceasssccdentcatacensastedtmsasdesansccccbansactactnaascuttmaciteauanasedesniceheatnacebetemecicie 17 20 18 ANNE URE A naa E gan E ONT 18 1 L IKO CT O ea eiS 18 1 15 2 FORMATOFPD PDC CAN MESSAGE TYPE criced aea EEEa 18 1 17 ANNEXURE B ACCOUNTING ENTRIES 11 cccccccccscccccssccccccccccccccccccsccccccccccccccccccccccccccccccoees 17 1 17 1 ACCOUNTING ENTRIES AND ADVICES FOR CASA ccccccccecceccecceccccecccscescuscecssceccescescecescescuseeseecescascucens 17 1 DEINE Garces secsseraerecice T REEE E EEE EEE E E E EE EE EEEE 17 1 oa AMOUNT E eE ee ee eee ee ee 17 1 17 4 ACCOUNTING ROLES ccccccsscoscosccsccescescscocccnccnscsscascescasconcesscsscescescaesonsonscsscescescessonsosscsscescessaesonsenses 17 2 17 5 EVENT WISE ACCOUNTING ENTRIES FOR PRODUCTS cccsscsscscceccecceccscescecceecceccescscascescesseescescuscescueees 17 5 17 4 ACCOUNTING ENHICS Jor Inierest PIOQUCIS sce
276. t interest charge Min 25 0 01 x 50 000 100 Min 25 5 which is USD 5 ea ORACLE The interest liquidation entries for the same will be as shown Txn Date Value Date Customer Account 08 May 07 08 May 07 INT Interest Income GL Suppose that there are two more overdrawn customers CIF1 and CIF2 with charges USD 10 and USD 15 respectively On 08 May 2007 when you select the overdraft charges liquidated the system will display the following TrnRef Txn Date Value Date Txn Customer Dr Cr Amount Code Account lt 16dig Ref gt 08 May 07 08 May 07 INT ACT lt 16dig Ref gt 08 May 07 08 May 07 INT Alc of CIF 1 lt 16dig Ref gt 08 May 07 08 May 07 INT Alc of CIF2 You may reverse all or some of the above entries If you opt to reverse the first two entries the system will post the following authorized reversal entries Txn Date Value Date Txn Customer Dr Cr Amount Code Account 08 May 07 08 May 07 INT Int Income GL 08 May 07 08 May 07 INT In Income GL 14 5 ORACLE 14 2 Interface Clearing Details You can invoke the Interface Clearing Details screen by typing IFDCLGDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You can view the details of clearing transactions triggered from PDC using this screen Interface Clearing Details Scode FCRH Instrument Number 128 External Reference No FIBOTS3200000056 Branch Remitter A
277. t of PD PDC CAN message 18 2 Format of PD PDC CAN Message Type The following is the format of PD PDC CAN message type Date Drawee Bank Branch Customer Account Number Cancellation details Check No 924163 924164 924165 924166 924167 924168 02 Feb 2010 Citi Bank M G Road 123456789 Status Cancelled Cancelled Cancelled Cancelled Cancelled Cancelled The above said Checks has been cancelled PD_PDC_CAN message type addresses the primary customer ne ORACLE 17 Annexure B Accounting Entries 17 1 Accounting Entries and Advices for CASA This Annexure lists the suggested event wise accounting entries that can be set up for the Interest and Charge product applicable for the CASA module of Oracle FLEXCUBE 17 2 Events You need to set up the following events for an Interest product Event Code Event Description ILIQ Interest Liquidation IACR Interest Accruals UDCH UDE Values Change You need to set up the following events for a Charge product Event Code Event Description CLIQ Charge Liquidation 17 3 Amount Tags The following amount tags are available imcoueo ORACLE 17 4 Accounting Roles Accounting roles for CASA are defaulted by FLEXCUBE in a following manner SAXX accounting role type X SAXX represents the IC rule ID you have maintained and attached to the particular IC product This is bas
278. tails are needed only for External type PDCs 10 1 4 2 Discount Purchase details Operation Select the operation from the adjoining drop down list The available options are e Purchase Select this option if the Activation date is current date and when selected CPUR event will be fired e Discount Select this option if the Activation date is future date and when selected the event CDIS will be fired A validation will be done for the operations while saving the PDC transaction 10 10 ORACLE Amount Specify the Purchase discount amount The full amount of the PDC will be the discount amount Check Status Select the status of the Check from the adjoining drop down list The available options are e Normal This is a normal Check which is not discounted purchased For this you should choose the null option e Discounted This status is set to Discounted when the operation is selected as Discount e Purchased This status is set to Purchased when the operation is selected as Purchase e Collection When a normal Check launched for collection Activation of PDC e Collection after Discount When a Discounted Check launched for collection Activation of PDC e Collection after Purchase When a Purchased Check launched for collection Activation of PDC e Returned When the Check is dishonored rejected the status of the PDC would be updated to Returned e Passed When the status of the fu
279. tatus The confirmation status indicates whether you have confirmed the stop payment instruction issued by the customer Effective Date This is the date on which the stop payment comes into effect A future dated stop payment is affected after the Beginning of Day process has been executed for the day the effective date of the stop payment Expiry Date The stop payment expires on this day A stop payment is effective till the End of Day is run on the expiry date On expiry of a stop payment the status in the Customer Accounts Maintenance table gets updated if no other stop payment is enforced on this account If you do not specify an expiry date the stop payment will remain effective till it is revoked Remarks Here you can enter information specific to the stop payment that you are capturing For example you can indicate the purpose for which the stop payment has been issued Customer Name The system displays the customer name along with the legal title for the account separated by a comma After having made the required mandatory entries and having saved your work your user ID will be displayed at the Made By field at the bottom of the screen the Date and the Time at which you saved the product will be populated Another user with the requisite rights should authorize any operation that you perform before the End of Day process is executed for the day Using this screen you can stop payment of Checks
280. tatus table 5 8 ORACLE 6 1 6 2 6 Maintaining Account Structure Introduction Oracle FLEXCUBE repays loan from multiple accounts In Oracle FLEXCUBE the loan account is the primary account and all the other accounts linked to it are cover accounts While paying the settlement if the primary account has insufficient amount the system will check the cover accounts for the remaining amount according to the preference In case of single account structure the primary account will have only one cover account and the cover account will have only one primary account for making the account structure free of duplicate accounts Every account has its own account structure While closing an account under an account structure you need to remove that account from the account structure manually else the system will not allow the closure of the account If you want to amend an account structure the system will check whether any amount block is open on the account structure If any amount block is opened then the system will throw an error You can also configure the error code Defining Account Structure You can specify the account structure in the Account Structure Maintenance screen You can invoke this screen by typing CADSTRUC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Structure Maintenance Structure Group SG221 Description Account Structure
281. tatus of each leaf of the Check book When no transaction has taken place the status of the Check is stored as unused Whenever a Check based transaction is initiated by Funds Transfer or Data Entry modules the status of this Check moves from unused to used in this matrix Subsequently if a Check is canceled or rejected the status can be updated in the status matrix e Apart from this tracking and upholding a stop payment instruction against Checks is also a function that this sub system supports These stop payment instructions normally coming from a customer against a Check or a series of Check or an amount for which a Check was issued are applicable for a period or indefinitely Yet another feature supported by Savings Checking is the facility to define amount blocks for accounts as per a customer s instruction or the instruction of the bank The system processes the expiry of such blocks automatically To put it briefly in the Savings Checking sub system you maintain the following details e Check books issued to customers e Amount blocks enforced against accounts e Stop payment instructions issued by customers These details are maintained in what are called data tables and are called forth for interface during a Check processing by the Data Entry and Funds Transfer systems These tables are e Check Book Details Check Status and Check Details where you maintain Check book details e Amount
282. te Pool Code Account Level The Pool Code Account Level to which the account class or product belongs should be defined Pool Code For an account the pool code will be picked up from the account class Transaction MIS Group For an account the transaction type of MIS class will be picked up from the account class Composite MIS Group The composite type of MIS class will be defaulted from those defined for the customer Cost Code For an account the cost codes will be picked up from the account class 3 2 8 Viewing OFAC Check Response OFAC check enables the application to call an external web service to perform black list check for customer and customer accounts and give warnings appropriately while transacting with black listed customers You can also capture your remarks before overriding the black list warning Click OFAC Check button in Customer Accounts Maintenance screen to view the OFAC check response in the External System Detail screen On clicking OFAC Check button system will build the request XML and call the web service The External System details screen displays the response is received from the external system and you will be also allowed to enter your remarks in this screen The response received will also be sent to Oracle FLEXCUBE Database layer for any further interpretations of the same a ORACLE External System Details External System Response Wot a Black Listed Custon
283. tem To Account Currency Specify the account currency to which the report needs to be generated You can select the appropriate currency from the adjoining option list that displays all the currencies maintained in the system Contents of the report The options that you specified while generating the report are printed at the beginning of the report The contents of the Account Statement Report are discussed under the following heads Header An Account Statement is the record of transactions and their effect on account balances over a specified period of time for a given account An Account Statement lists the debits and credits that took place over a time period 17 9 ORACLE The Header carries the title of the Report information on the Account Number of the user generating the report Body of the report Branch Name This is the branch where the account resides Branch Address 1 This is the address of the branch Branch Address 2 This is the address of the branch Branch Address 3 This is the address of the branch Account Number Details about customer account Number Page Number This is the page number As of Date As of date Customer Number This is the customer number This is the customer name Customer Address 1 This is the address of the customer Customer Address 2 This is the address of the customer Customer Address 3 This is the address of the customer Customer Address 4 This is the address
284. ter the customer signatory you want to link to the account You can link a customer signatory to an account either by e Click on the option list next to the Signatory Number A list of customer signatory numbers whose details have been captured will be displayed along with their names Pick up the signatory whom you want to make an account signatory for the account an ORACLE 3 2 17 e Keying in the customer Signatory Number and Name directly if the signatory number has not been maintained through the Customer Signatory details screen If the signatory ID that you specify has not been maintained the System displays an override On confirming the override you will be allowed to save the signatory details An error message is displayed if you enter a duplicate Signatory ID Each time you capture a new Signatory ID at the account level you must identify the relationship of the signatory with the customer Customer Name The system displays the name of the corresponding customer Minimum Number of Signatories Specify the minimum number of signatories necessary to endorse an instrument involving the account Account Message You can capture information about particular signatories These messages could pertain to the name number and the type of signatory your customer is For instance you can capture a message like This signatory is a joint account holder with rights to sign instruments only up US 8000 Signatory Number Th
285. terest Liquidation before month end on Saving and Current Bank Accounts For Retail Customer Interest On Saving and Current Bank Accounts For Retail Customer Charge On Less Average Balance 18 3 1 Interest on Saving and current Bank Accounts for Retail Customer You need to maintain values for the following UDEs under this product NORMAL_RATE1 NORMAL_RATE2 NORMAL_RATE3 NORMAL_RATE4 AMOUNT AMOUNT2 AMOUNT3 TAX1 18 22 ORACLE 18 3 2 Debit Interest on Current Accounts You need to maintain values for the following UDEs under this product e NORMAL_RATE1 e NORMAL_RATE2 e NORMAL_RATE3 18 3 3 Interest on Current account for Corporate Customer You need to maintain values for the following UDEs under this product e RATE e RATE2 e AMOUNT e AMOUNT2 e TAX e TAX2 18 3 4 Interest on Liqd Before Month End on Saving and Current Bank Accounts For Retail Customer You need to maintain values for the following UDEs under this product e NORMAL_RATE1 e NORMAL_RATE2 e NORMAL_RATE3 e NORMAL_RATE4 e AMOUNT e AMOUNT2 e AMOUNT3 e TAX 18 3 5 Interest on Saving and Current Bank Accounts For Retail Customer You need to maintain values for the following UDEs under this product e NORMAL_RATE1 e NORMAL_RATE2 e NORMAL_RATE3 e NORMAL_RATE4 e AMOUNT2 e AMOUNT3 18 3 6 Charge On Less Average Balance You need to maintain values for the following UDEs under this product 18 23 ORACLE AVSLAMT
286. the customer account that should be debited while posting accounting entries The adjoining option list displays all valid customer accounts and customer GLs maintained in the system You can choose the appropriate one If you choose Pay In By GL the system will display the offset GL maintained for the branch in the Certificate of Deposit Payin Parameters Maintenance screen Waive Account Opening Charges Check this box to indicate that account opening charges should be waived for individual customer account 3 1 8 Viewing Details of Amounts and Dates In the Customer Accounts Maintenance Amounts and dates screen you can view all financial details of this customer s account along with the details of the previous debit or credit activities However access to all financial information of an account can be restricted for any user The financial details of an account include the account balance the uncleared debit and credit balances the debit and credit turnover and the interest details The turnover limit details of an account include the current financial period currency utilized and unutilized limit balances ows ORACLE Click Amounts and Dates button in the Customer Accounts Maintenance screen Amounts And Dates Branch Code Account Total Linkd Balance Daty TunOwer Dr Cady TurnnOyer Cr Total Currant Balance Ungolecieg 001 rti Withdrawal Uncoll Funda Blocked Receivable Total Avail
287. the UDE Amounts Currency field in the Interest Product Preferences screen If you specified the UDE amounts currency as the local currency and the account is in a foreign currency the currency conversions will be on the basis of the mid rate for the day 22 ORACLE The UDE values that you specify here will only be applied to this account 3 1 14 1 Interest Rate Change Advice For fixed rate deposits an advice is to be generated to intimate the customer of the rate change a month in advance Check the box Generate UDE change advice at Certificate of Deposit account level to indicate that interest rate change advice has to be generated for the account at EOD System generates interest rate change advices for Customer Accounts Certificate of Deposits and Savings accounts when the interest rate changes as part of EOD For this you need to maintain the account UDE change batch ACUDCHD which is run at EOTI The rate change advice will be generated once the account UDE change batch is run at Post EOTI stage The system picks all the Certificate of Deposit accounts for the EOD branch for which Generate UDE change advice flag is checked The UDE value of such accounts changes for an effective date which will be 30 days from the system date In case of rate change for a particular effective date UDCH event will be fired The UDCH event would be used to generate advice For the rate change advice to be generated as part of UDCH
288. the account You can click on the Liquidate button to imitate the process whereby the system will calculate all outstanding amounts for all products involving the account and display the same On confirming the details that are displayed the system liquidates the products You will not be required to authorize this action If any provisioning has been done in respect of the account the relevant amount is written back to the GL as specified in the maintenance on Closure If the account does not have any IC products pending liquidation the system will display list of Close Out modes in the Account Closure Details screen ott ORACLE Account Closure Details Branch Code 104 Account Balance 10 154 36 Account 100745 Interest 100 21 Closing Date 2005 11 08 Sequence Number 1 Offset Branch a3 Close Mode Details Account a O Close Mode ak Account Currency Linked Product Instrument Details Mumber Stationary Mo Beneficiary Mame Branch Instrument Type Status Expiry Date Issuing Bank Beneficiary Address Beneficiary Address2 Beneficiary Addressa Beneficiary Addressg Other Details Other Details Type 13 Details 1 Type 2 Details 2 Type 3 Details 3 Type 4 Details 4 Type 5 Details 5 Type 6 Details 6 In this screen you can select the Close Mode which is to be used to close the account The option list positioned next to this field contains a list of all the Close Modes maintained in the C
289. the customer s account in the current branch will be displayed in this screen in the Interest Charge Booking Account and Interest Charge Booking Branch fields However you have the option of booking interest charge to a different account belonging to another branch also You can select the Interest Charge Booking Branch from the option list available The accounts maintained in the selected Booking Branch will be available in the option list provided for Interest Charge Booking Account You can select the account from this list Interest Charge will be liquidated into the selected account Charge Booking Account You can select the accounts for booking charges on transactions processed at your bank At the time of creating an IC product if you have maintained the booking account type as Charge in the Interest and Charges Product Definition screen the charge will be liquidated into the Charge Booking account By default the customer s account in the current branch will be displayed in this screen in the Charge Booking Account field However you have the option of booking charge to a different account belonging to another branch also The accounts maintained in the selected Charge Booking Branch will be available in the adjoining option list You can select the appropriate account Charges will then be liquidated into the selected account Interest Statement You can also indicate if you would like to generate an interest stateme
290. the system to compute APY on Savings Checking accounts you need to maintain The APY Required option in the Account Class Maintenance screen The Feature ID APY in the Feature ID Maintenance screen A booked formula for APY as part of the interest formula in the Interest and Charges rule used It must be remembered that only one APY formula may be maintained for an interest rule The principal for the IC Rule as an element SDE in the Interest Statement Maintenance screen In the Regulation Parameters Maintenance screen specify the booked APY formula defined involving the interest formula in the interest rule for the product as an APY type formula The account statement generation batch after the IC batch The basis average balance or daily balance upon which the APY must be calculated 12 1 ORACLE 13 Instrument Type Maintenance and Consolidated 13 1 13 1 1 Check Printing Introduction Your bank may issue Checks to customers from the nostro accounts maintained with other banks To facilitate this you need to maintain the details of all the Check books issued by those banks institutions to your bank in Oracle FLEXCUBE Apart from these your bank would be issuing other instruments such as Drafts DDs MCKs and so forth which also need to be maintained in Oracle FLEXCUBE Each instrument type is identified by a unique instrument type code which can be captured in Oracle FLEXCUBE Further
291. ther consolidation for inward clearing is required at the Customer Account level This option gets defaulted from the Account Class Maintenance screen If this option is unchecked in the Account Class Maintenance screen then it cannot be enabled here Back Period Entry Allowed You can choose to allow the posting of back valued entries into the account by enabling the Back Period Entry Allowed option If you choose not to restrict back period entries you will be allowed to post journal entry transactions to past periods as long as the account is open This specification is defaulted from the account class linked to the account You can choose to change it for a specific account While posting back valued transactions the System verifies whether the Back Period Entry Allowed option has been enabled for the account If the option has not been enabled an error message is displayed This check is also performed while uploading journal entry transactions mo ORACLE MT210 Required A Notice to Receive message MT210 is an advance notification to your account servicing institution that it will be receiving funds that are to be credited to your bank s account with that institution For a nostro account you can specify whether the nostro agent your account servicing institution prefers to receive a Notice to Receive SWIFT message i e MT 210 when it is debited in the case of a funds transfer To indicate that the message MT 210 is to b
292. thout Accrual Event CDIS Check discounted PD_TAG er Customer lt Interest comp gt _LIQD Dr RIA lt Interest comp gt _LIQD Cr Event PULL Check discounted PD_TAG Cr Dr r fewmome pers 10 29 Event RETN Check discounted PD_ TAG RIA lt interest comp gt _LIQD Event RADJ RIA lt Interest comp gt _LIQD lt Interest comp gt _LIQD 10 30 10 1 13 3 Discounted Arrear charge collection with Accrual Event CDIS Check discounted PD_TAG B Event PULL CHECK DISCOUNTING PD_TAG PD_PULLINC PD_CHG_TAG at ORACLE Event RETN Check discounted PD TAG O Interest Receivable lt Interest comp gt _LIQD Event ACCR lt Interest comp gt _ACCR Interest Receivable lt Interest comp gt ACCR Event RADJ Interest Receivable lt Interest comp gt _LIQD 10 1 13 4 Discounted Arrear charge collection without Accrual Event CDIS Check Discounted PD_TAG Dr Customer PD_TAG wee ORACLE Event PULL PD_PULLINC PD_CHG_TAG Event RETN Check discounted PD_ TAG oo oo Event RADJ lt Interest comp gt _LIQD lt Interest comp gt _LIQD 10 33 10 1 14 Purchase Event CPUR Check Discounted PD_TAG 7 Event RETN Check discounted PD_ TAG Event RADJ Customer lt Charge comp gt _LIQD lt Charge_comp gt _REC lt Charge comp gt _ LIQD Cr ean ORACLE 11
293. to project account to the Escrow account maintained at the Customer Account Maintenance level When a transaction is saved at the Customer Account Maintenance level the system verifies for the following at different levels e Escrow Processing enabled at the Transaction Code Maintenance level e Escrow Process enabled for the Credit account lf Escrow Process is enabled for Transaction code and Credit account then the system calculates the value of the amount to be blocked for Escrow transfer based on the Percentage maintained at the Customer Account level The system then saves these amount blocks as Escrow type Amount Blocks with an unique original transaction reference number On modifications transaction the block amount would be recomputed accordingly During EOD batch process CASABAT Escrow amount blocks with block expiry date on or before the application date are transferred to the Escrow account maintained at the customer account level with the transaction code maintained at account class level The Amount blocks are placed based on the following conditions e For Future dated transaction the Amount Block will be placed with the block expiry date as effective date of transaction e For current dated transaction the Amount Block will be placed with the block expiry date as application date e ORACLE 3 9 e lf the transaction is saved after the currency cut off time then the Amount Block will be placed with the
294. ts For the particular account whose statement preferences you are defining you can indicate the parent account to which the account should be linked for statement generation purposes ai ORACLE The statement account is applicable for all type of account statements Primary Secondary and Tertiary If the statement account has been specified you cannot enter other statement details If the statement account is not specified for a particular account then the account can be a statement account for other accounts If statement accounts have been maintained during EOD the account statement will not be individually generated for the child accounts Instead a consolidated account statement would be generated based on the frequency specified for the parent account While closing a parent account a message will be shown requesting removal of the parent child account linkage Even while generating ad hoc statements you can indicate whether linked account details should be displayed in the generated report To view the details of loan instalment recovery and charge recovery details in the Account Statement Report following tags will be included e LNCHGDTLS e _CLCHGACC_ Statement Charge Code The customer is charged for the combined statement based on the charge slab maintained in the IC product The Charge Basis STMT CHG CODE is provided in the IC module to charge the customer for combined statement The SDE STMT CHG_CODE is
295. ts can be generated Details of all Checks processed along with their status Details of stop payment instructions enforced against various accounts Details of records that have been purged The user has the facility to purge old records which are no longer being used 2 2 ORACLE 3 1 3 Maintaining Customer Accounts Introduction You can define customer accounts for all the customers of your bank through the Customer Accounts Maintenance screen Each account that you define is identified with an account number The structure of the account number is based on the Account Mask you have maintained through the Account Parameters sub screen of the Bank wide Parameters screen The Account Number can be combination of the CIF Number the Account Class Currency and any other alphabet s or number s of the account or currency as defined For an account number you also need to define in this screen other parameters like the account class the type of account joint or single the reporting lines for the account the currency in which transactions can be passed to this account the customer s account limit the check book passbook ATM facility the various statuses applicable to the account and so on Every account created or modified in Oracle FLEXCUBE needs to be authorized to become effective Whenever a new customer account is created or an existing record is modified the system generates a notification message on t
296. u 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 following Oracle FLEXCUBE User Manuals e Products e Interest e Charges and Fees e Tax e User Defined Fields e Settlements In the Product Definition screen you can also enter the following Product Code Specify the code for the product This is a code for the specific PDC product that you are creating Product Module Select the module for the product you have specified from the option list Product Type Select the type for the product from the option list provided The first attribute that you define for a product is its type For a PDC product the product type is PD Description Select a brief description for the product from the option list provided Slogan Select a slogan or a marketing punch line for the product 10 2 ORACLE Product Group Select the product group to which you wish to assign the PDC product Products can be categorized into groups based on the common elements that they share Associating a product with a group will facilitate retrieval of information of a class of products at one stroke You can maintain Product Groups in the Product Group Definition screen invoked from the Application Browser Start Date End Date The period during which you wish the PDC product to be current you specify this by ent
297. uct when you click the Default button at the time of account creation You must modify it to identify the Charge product using which the applicable charges would be collected Currency The charges would be collected in the currency defined for the selected charge product and this currency is displayed on the screen Minimum and Maximum You must indicate the charge amount range representing the minimum and maximum charge that can be applied for the account Free Items You must indicate the number of free items for which the customer will not be charged Open By default each charge consolidation charge setup that you set up is enabled and active You can also disable the setup by checking the Open box Waive Charges You can choose to waive charges for an account 3 1 16 Specifying Consolidated Charge Details You can capture details of consolidated charges for the account using the Account Level Consolidated Charges Conditions screen ORACLE To invoke this screen click the Consolidated Charge button in the Customer Accounts Maintenance screen Account Level Consolidated Charges Conditions Account Details Branch Code ooo Account Product Details 1of 1 Product Code Waive Charges Currency O pen Minimum Maximum Discount Discount Percentage Discount Amount Ok Cancel Branch The Branch Code to which the account belongs for which you are defining
298. uecsssueeseceeeesseeeess 4 4 3 MERGING CUSTOMERS se ccasiysie cananctaacisadesanneaalatandadseauandie cath aatuadacsatseeneraidbanenaessodeiabuadanncsbadanaabhaneneiaiateactesoud 4 2 MAINTAINING CHECK BOOK DETAILS cccscccccsssscccscccccsssccccssscsccessccccescsccccsssccecccccessccceescsccesess 5 1 5 1 MOD idl Pm nent nen enn np oe AO ee Oo T ne oe ee ee eee 5 1 Idd Maintaining Check Book Detalls ss csebcssicsssscviaidinancstnsecsiaedesadapasaacela Miaadbal el ieee iad eae 5 1 JZ Daming Check BOOK Delai lS sissie a nae 5 2 5 1 3 Viewine tite SiQius Of a Cheois e e bation 5 5 5 1 4 Viewing Details of a Check and changing its Status cccccccccccccccccccccc cece eee EEE EEE 5 6 ae ee Maintainine CU CCK DCLG csperans aaneen 5 6 MAINTAINING ACCOUNT STRUCTURE i2 cccsssscccsscccccescccccscccccsscccccesccccescccccescscceesccccessccceescscceeess 6 1 6 1 INTRODUC TION acercan eene Er os ccasods a vars tnslors eerste ars EAEE EEE EAEE REEERE 6 1 6 2 DEFINING ACCOUNT STRUCTURE ccccccceccccsecccssccccscccesccseecseusscssecesesccsuuecseeeceseuceseseseusecsseesssseessuseseusesenes 6 1 6 3 VIEWING ACCOUNT STRUCTURE MAINTENANCE SUMMARY ccccscccsscccsscscescsceescseecseeecseeesssensssesesseseseees 6 2 MAINTAINING AMOUNT BLOCKS wirssesccceccccccesscesacevccsceccsceceacecesnececcceceasicaseeucedtaseceaceedssacesevevacstessececexseacess 7 1 7 1 DEFINING AMOUNT BLOCK S scihosracicnatennnesaiieasaetadooussiatetindsateaombstuscnersibanact
299. ult the value of CIF Status as available in the Customer Maintenance screen This status is the worst status among all the loans savings accounts and current accounts for the customer in the current branch This is done if you have opted for status processing at the Group CIF level as part of your branch preferences Since The date on which the status of the account is changed to the current status is displayed here Propagate Reporting Details This field indicates whether the reporting lines defined for status movement for the account class that this account reports to must also be applicable to it The following GL s are defined in the Account Class Maintenance for posting account balances when a status movement occurs on any accounts belonging to the account class e The Debit and Credit GL s to which account balances must be posted for movement to each status e The Federal Reserve Reporting Debit and Credit GL s e Head Office Reporting Debit and Credit GL s When you select this option the GL s maintained for the account class will be applicable to the customer account you are defining in this screen The reporting lines will be propagated to the account whenever a status change occurs ORACLE 3 1 4 If you do not want the account class details to be propagated to the account as well you have the option of maintaining the status codes and the reporting lines exclusively for an account You can achiev
300. umber These fields display the date on which the previous statement was generated and the reference number of the pervious statement Type Summary Detailed Specify whether the combined statement should be detailed or just a summary Exclude Same Day Reversal Check this box to exclude the same day reversal entries in the statement cycle This is applicable for the detailed statement Account Details Here you can list all accounts which must be included in the combined account statement Click add row icon to add a row here In each row you can specify the following details oe ORACLE 3 9 e Account No Select the account number of the account to be included in the combined account statement The adjoining option list displays all account numbers maintained in the system Choose the appropriate one This also includes the joint accounts and CD accounts e Branch Code Select the branch code of the bank to which the account belongs to e Primary Account Select this check box so that the account must be listed first in the combined statement e Charge Account Select this check box if the statement generation charge specified for this account must be applied to the combined statement too e SI No If you have chosen User Defined sorting type for the combined statement then specify the serial sequence number in which this account must be listed These numbers are automatically generated However you may chang
301. ument is being reissued for some reason e Reissued Draft No Specify the draft number for the instrument that is reissued e The Original Draft Number This is populated with the instrument number of the contract that is re issued e Reissue remarks can be the reason due to which the instrument is being reissued Tanked Transaction The system checks this option when the Branch Available status is No or when the branch date is ahead of the host date Accordingly accounting entries are passed with the tanked status The transaction status of the Instrument Transaction is changed to Active when the branch Available status is changed to Yes And the tanked accounting entries if any will be un tanked and released STOP i i You can process the reversal of Instrument Transaction in the same way as tanking the transaction Specifying beneficiary details You must also specify the details of the instrument for the transaction These include beneficiary name and beneficiary s address It is mandatory to enter the beneficiary s name Country Specify the country of the beneficiary This adjoining option list displays all valid country codes maintained in the system You can choose the appropriate one 11 6 ORACLE Specifying the additional identifier details You may capture the additional identifier details This includes the Name and Value Adding a narrative You can specify an appropriate narrat
302. unt Number Full Name Report to GOV n SAR A C Status E ml J E Maker Mod No Record Status ee Cancel Checker Authorization Status Specify the following details Branch Specify the branch in which the suspicious activity is identified The adjoining option list displays the branches that are maintained in the system You can select the appropriate one Suspect Customer ID Specify the suspicious customer number The adjoining option list displays all valid customer numbers maintained in the system Choose the appropriate one Initial Date The system displays the initial date Modification Date The system displays the date when the modification is done However you can modify it i ORACLE Suspect Status Select the suspect status of the customer from the adjoining drop down list The list displays the following values e Active e Inactive Suspect Information Specify the following details Full Name The system displays the full name of the customer based on the customer id selected Short Name The system displays the short name of the customer based on the customer id selected SSN TIN The system displays the SSN TIN of the customer based on the customer id selected Date of Birth The system displays the date of birth of the customer based on the customer id selected Date Reported to GOV Specify the date reported to GOV SAR Reason Select the reason for SAR from the a
303. unt can either be a valid customer account or a valid GL Instrument Number Specify the PDC number If PDC type is External this number should be unique for the given clearing branch amp bank Amount Specify the amount of the PDC Account Number Specify the loan account number linked to the PDC The adjoining option list displays all valid account numbers maintained in CL MO and LE modules of Oracle FLEXCUBE You can choose the appropriate one For this loan account if the customer pays an advance instalment or makes an early settlement the system will delete the outstanding Checks A report of such cancelled Checks is generated on a daily basis Remarks Specify the reason for cancellation of post dated Check DP amount Specify the discount amount The full amount of the PDC will be the discount amount Issuer Bank Specify the name of the bank of the issuer Issuer Branch Select the branch that is issuing the post dated Checks Activation Date Specify the date of activation of PDC 10 19 ORACLE Purpose Specify the purpose for which the PDC is issued This is for information only Location of Check Specify the location where the PDCs are held till activation This is for reporting purposes only Charge Branch Select the branch in which the charge payable account is maintained Charge Account Number The account which is to be debited for the charge this is necessary for passing accounti
304. unting entries for charges on PDCs Accounting Role Head Amount Tag Dr Cr Indicator Internal GLs PDC_CHARGE Customer A c PDC_CUST CHARGE ae ORACLE 10 1 3 Specifying Product Preferences Click Preferences button to invoke the Post Dated Checks Product Preference screen Post Dated Cheques Product Preference Product Code Change of Operation Linked Product x _ DiscountPurchase Post Dated Cheque Type External PDC v Track Drawer Limits C Bulk Input Allowed C Pass Contingent Holiday Treatment Forward Frequency ne Backward F Cascade Scheduling Charge Details PDC Realization Frequency Monthly v PDC Realization Type Auto Start Month January Y Manual Start Day j Charge Collection Advance Arrears Product Code Specify the code for the Product Linked Product Select the Clearing product to be used when the product matures and the Check is sent for outward clearing This is only applicable to External PDCs Post Dated Check Type Oracle FLEXCUBE processes the following types of PDCs e Own account PDCs issued against the customer s account e External PDC PDCs from other banks deposited in the customer s account e Bank issued PDC PDCs issued against the bank s Nostro accounts Track Drawer Limits Check this box to track the drawer limits at the PDC transaction The Drawer limits will be tracked at the PDC tran
305. urrent PE Account for DDA Branch Branch of the ACTB_HISTORY AC_BRANCH Customer Ac count Date DDA Account STTM ACCOUNT CLASS Opened Open Date AC_OPEN_DATE Yesterday Account ACY_OPENING_ BAL s EOD currency Balance Opening balance for that day Current Current ACY _CURR_BALANCE Balance Balance YTD Avg Not available REG CC AVAILABLE FUNDS Collected Balance Amount of Change The Difference between ACY _CURR_BALANCE difference and ACY OPENING BAL between current balance and yesterday s EOD balance Percent of Change Percentage ACY _CURR_BALANCE minus of item 10 ACY OPENING BAL is divided by ACY _OPENING BALANCE Type of This indicator This will contain one of the following values 17 13 ORACLE Field Report Field Description Significant would be change selected if Large Credit large credit is identified arge Hepi Debit Turnover greater than Threshold Credit Turnover greater than Threshold 17 7 Kiting Report 1 This report will be generated to display the deposit turnover ratio less than 3 The deposit turnover ratio is calculated by taking the sum of all credits for last 7 days period divided by sum of debits for that same 7 day period It should be generated daily or Ad hoc basis You can invoke this screen by typing CARKIT1 in the field at the top right corner of the Application toolbar and clicking on the adjoining arrow button Kiting Report 1
306. urrent account for Corporate CUSTOMEY cccccceeec ee eeeeeeeeteetee cece ee eeeeseaaeeeeeeeeeseseeeeees 18 23 18 3 4 Interest on Liqd Before Month End on Saving and Current Bank Accounts For Retail Customer 18 23 18 3 5 Interest on Saving and Current Bank Accounts For Retail CUStOMET c e 18 23 18 3 6 Charge On Less Average Balance oiccccccccccccccccc eee aaa aaa a aaa aa aaa aaa aaa 18 23 PRATS IIA TINGE INC seiesima ine a EEE EN E 18 25 ORACLE 1 About this Manual 1 1 Introduction This manual is designed to help you quickly get acquainted with the Current and Savings Account sub module of Oracle FLEXCUBE It provides an overview to the module and provides information on using the Current and Savings Account sub module of Oracle FLEXCUBE Besides this User Manual you can obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard 1 1 1 Audience This manual is intended for the following User User Roles Back office clerk Input functions for contracts Back office managers officers Authorization functions Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day Financial Controller Product Managers Generation of reports 1 1 2 Organization This manual is organized into the following chapters Chapter 1 About this Manual gives information on the intended audience It als
307. ustomer Account Closing Modes screen The product linked to the close mode will be defaulted Some of the close out modes may require additional details to complete the transaction These additional details can pertain to either of the following e The Offset Account e The Instrument when the Close Out is through an Instrument with which you payoff the balance in the account Thus based on the mode selected the withdrawal entries are booked against the appropriate product The balance of the account will drop down to zero Subsequently the account is marked as closed a ORACLE For detailed information on the Customer Account Closing Mode Maintenance screen you can refer the Maintaining Customer Account Closing Modes sub heading in this manual 3 15 Recording Details of Lodqment Book Requests For a customer account you can record details of lodgment book requests provided the use of lodgment books is allowed for the account You can capture these details in the Lodgment Book Maintenance screen To invoke this screen from the Application Browser select Customer Maintenance and Lodgment Book under it You can also invoke this screen by typing CADLOGBK in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ea Lodgement Book Maintenance Lodgement Book Detail Account Number First Lodgement Number Number Of Leaves Order Date 2007 11 26 Issue Date 2007 11 26
308. ustomer Number Customer Name Tax Category Mi A i Description From Date To Date 3 5 Limit Currency Limit Amount Remarks Input By DOCS Date Time Modification Number I Authorized Authorized By Date Time Ed open Specify the following details Customer Account Number You need to specify the customer account for which you wish to maintain Tax Allowance Limit The customer name will be displayed alongside Tax Category Specify the Tax Category for which you wish to maintain tax allowance limit at the customer account level The description appears displayed alongside Customer Number You need to specify the Customer Number for which the Customer Account Tax allowance Limit is being defined a ORACLE 4 3 Customer Name The customer name will be displayed alongside From Date You need to specify the date from which the customer account tax allowance limit is effective To Date You need to specify the date up to which the customer account tax allowance limit will be applicable The End Date should be greater than or equal to the Start Date You can also leave the End Date blank which would indicate that the maintenance is open ended Limit Amount You need to specify the allowance amount for the customer account The utilization of the allowance would be tracked against the customers and the minimum allowance available at the account level Limit Currency This indicates the currenc
309. ustomer is liable to pay this advance interest in case he she fails to provide the required notice to the bank e The system deducts the advance interest from the credit Interest earned by the customer on his her credit balance in the account Monthly Free Amount Specify the amount that the customer can withdraw per calendar month from his her savings account without being liable to pay advance interest Notice Days Specify the number of days before which the customer should notify the bank if he she wants to withdraw an amount more than the Free Amount from his her account Validity Period Specify the validity period in number of days During this period the customer can do the withdrawal of the amount for which he she notified the bank For more details on Notice Accounts refer the following section 3 94 ORACLE 3 6 4 Viewing Cards Details Click Cards button to view details about debit cards issued against the account Cards Summary Screen Branch Code Customer Mo Account Mumber F Authorisation Status Record Status Branch Code LBL_REQUEST_REFERENCE_NO Card Number Customer Mo Account Mo Here you can view the following details Branch Code The branch code is displayed from the main Customer Accounts Maintenance screen Customer Number The customer identification code CIF of the account holder is displayed from the main Customer Accounts Maintenance
310. ve chosen to allow bulk input of PDCs PDC Realization Select the type of PDC realization from the following options e Auto Select this option for the automatic movement of funds to collected as a batch on the Customer Float day e Manual Select this option for the manual movement of funds to collected 10 7 ORACLE 10 1 4 Entering Details of Post Dated Checks You can invoke the Post Dated Checks Transaction Input screen by typing PDDONLIN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Post Dated Cheques Transaction Input Transaction Reference Number QOOAUAU0T3320001 Event Sequence Number Product Code AUAU Source Code Remitter Account Number az External Reference Beneficiary Account Number Branch Code UU Amount Instrument Number Value Date 2007 11 28 Currency cpur BANK FUTURA HEAD OFFICE Account Number Fal Remarks Clearing Details Clearing Product CGOD Routing Number lseuer Branch fel End Paint CLEARING PROD OUTGOING lzeuer Bank Bulk Transaction Reference Clearing Bank az Number Clearing Branch Sector Code Ea Operation Activation Date 2007 11 28 Amount Location Of Cheque Cheque Status Normal gu _ Limits Tracking Required From Date Credit Line Fal Input By Date Time Authorized By Date Time Contract Status DOC10 2007 11 28 Transaction Reference Number Specify the Transaction Reference Number
311. ve happened between the last statement generated date and the current statement date and the details will be shown on the account statement awe ORACLE 3 2 10 Specifying Account Limits You can capture details of account limits using the Account Limits screen Click the Limits button in the Customer Accounts Maintenance screen to invoke this screen Account Limits Limit Currency Sublimit Credit Line Offline Limit Netting Required Daylight Limit TOD Renewal Renew TOD Renew Frequency ka Temp OD Start The start and end dates represent the dates from which the temporary overdraft limit becomes effective upto the date on which it should ceases to be effective Temp OD Start The start and end dates represent the dates from which the temporary overdraft limit becomes effective upto the date on which it should ceases to be effective Credit Line You can indicate the credit line to which you would like to link the customer to A list of all the credit line codes maintained in the system will be displayed in the option list You can select the appropriate Netting Required To process linked accounts which are marked for referral you will need to enable the Netting Required option This option is defaulted from the Credit Line associated with the customer account If you change the default option the system displays an override message Temp OD Limit The temporary OD limit is t
312. which this account will report to if it is in debit This line is maintained in the Reporting Lines Maintenance screen Cr Federal Reserve Line Specify the Federal Reserve line to which this account will report to if it is in credit This Federal Reserve line is maintained in the Reporting Lines Maintenance screen Dr Head Office Line Specify the Debit Head Office GL to which the account will report if they are in a debit Cr Head Office Line Specify the Credit Head Office GL to which this account will report if it is running in credit 3 2 5 Specifying Restriction Details You can specify restrictions for the account using the Products and Transaction Codes Restriction screen To invoke this screen click the Restriction button in the Customer Accounts Maintenance screen ol ORACLE Products and Transaction Codes Restriction Product Details Product List Allowed Disallowed Special Condition Applicable Not Applicable Product Description Debit Credit m IEE Oo Oo Transaction Details Transaction List O Allowed Disallowed Special Condition Applicable O Not Applicable Transaction Code Description Debit Credit m a H oO Ok Cancel For more details on specifying restriction details refer Maintaining Transaction Restrictions for Account Class chapter in Maintaining Mandatory Information user manual 3 2 5 1 Specifying Product
313. xternal Reference Number e Retry Till Date es Start Date Here you can capture the following details Account Number Specify the account number of the customer Select the account number from the adjoining option list Account Class This is the account class to which the account is linked Customer The customer for whom you are maintaining the deposit instructions Sweep Branch Indicate the branch to which the sweep is carried out Sweep To Account Indicate the account to which the sweep is carried out Amount This is the deposit amount Minimum Required Balance The minimum balance indicates that only the amounts above this limit will be used for auto creating deposits Source Code The code assigned for the sweep External Reference Number Branch The branch code of the branch which is to be associated with the account Sequence Number The system generated sequence number for the instruction you are maintaining Currency Currency of the particular account Deposit Currency The currency in which the deposit is made 3 76 ORACLE e Tenor Tenor for the deposits that are opened under an account class e Sweep Multiple Of The sweep can only be in multiples of the sweep specified e Retry Till Date The instructions specified will be invalid after this date Any failed sweeps after this date will not be picked up for processing the next day 3 2 14 Specifying Billing Parameters You can capture billing paramet
314. y of the tax allowance amount for the selected customer account The currency appears by default from the Customer Tax Allowance screen and cannot be changed Remarks You may specify any comments you wish to record pertaining to this screen Merging Customers An existing customer in FLEXCUBE may acquire another customer maintained in FLEXCUBE In that case you need to merge the CIFs of both the customers using Merging Customers screen a ORACLE You can also invoke this screen by typing STDCIFMG in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Merging Customers Merging Customer Branch Code 000 Merging Status Now Cusioner A l ou customers a d Date Of Merging 2005 11 02 Maker Date Time Mod Checker Date Time Record Status Authorization Status You can capture the following details on this screen Branch Code The system displays the branch code that identifies the branch where the account is maintained New Customer Specify the CIF of the surviving customer The system will merge the non surviving customer s accounts into this CIF The option list displays all valid CIFs maintained in the system Choose the appropriate one Old Customer Specify the CIF of the non surviving customer The system will merge the accounts associated with this CIF into the new customer CIF that you have mentioned above The option list displays all valid CI

Current and Savings Account Version-1.0 9NT1438

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