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Oracle FLEXCUBE Universal Banking

1. defined Sub Class Code Mr Sharma finds that there is no specific Sub Class Code available to categorize the car servicing under Repair and Maintenance Class Code which has been defined by the bank Hence he adds a new Sub Class Code called Car Servicing under the bank defined Class Code Repair and Maintenance and re categorizes the transaction of INR 5000 to Car Servicing Date Currency Amount Categorization Class Code Sub Class Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill ace ORACLE 10 9 2013 INR 12 000 00 Credit Card CITI Bank Bill CC 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Car Servicing Maintenance 17 09 2013 INR 2 000 00 Medical Bills 4 Re categorization of a Transaction to a user defined Class Code and user defined Sub Class Code On September 23 2013 Mr Sharma logs in to his account and views his transactions from 01 September 2013 to 23 September 2013 In this period he noticed that two or more transactions are made in the account as shown below 20 September 2013 He has a made a funds transfer of INR 3000 to his friend Mr Akshay within the same bank It has been classified as Other Expenses in spend class based on the bank defined rules Mr Sharma re categorizing the above transaction as f
2. Note Oracle FLEXCUBE receives and updates the details of spend classes created using external systems through gateway services The system will check whether the spend class received from the external system already exists in the Oracle FLEXCUBE with the same name If a spend class with the same name already exists the system will not allow the creation of a duplicate spend class You cannot modify or close the spend classes created using external systems If you modify a spend class the system will update the previous spend transactions to bear the modified spend class details Sub Class Code Details Sub Class Code The value in this field is defaulted based on the selection of the class code All valid class sub codes defined under the selected class code is displayed A channel user can add a sub class code to the existing bank defined class code or channel user defined class code The option list adjoining the Class Code field lists the class codes as maintained by the bank user and the class codes as maintained by the channel user The channel can select a class code to map the sub class code Description Specify a description of the Sub Class Code Customer Number The customer ID is defaulted when the Class Sub Code is added by a channel user If customer id is assigned then that particular sub class code is applicable to that customer only Customer Name The customer name is defaulted here Thi
3. Sub Class Code Description Customer No Customer Name Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Class Code The system generates a unique spend class code This will be a unique identifier of the spend class that you maintain However you cannot modify the class code Description Enter a brief description of the spend class that you maintain Customer Number The value in this field is auto populated when the channel user is creating a Class Code from the channel This field is not be applicable when the Sub Class Code is added to a bank defined Class Code by the customer Note If a Customer No is associated with a spend class then the spend class is available only for this particular customer FE ORACLE Customer Name Based on the customer number selected the system displays the name of the customer This field is not be applicable when the Sub Class Code is added to a bank defined Class Code by the customer Internal Class Code Specify the internal class code for bank reference When a customer creates a spend class through other modes you can map that class code to an internal class code This helps the bank identify and classify customer created spend classes Description The system displays the description of the internal class code Once you have captured the above details save the maintenance
4. e Record Status e Bank Code e Default User Role Indicator e Stale Period e Archival Period e Default User Role Name e Threshold value ae ORACLE 3 1 3 1 1 3 Alerts The bank customers may require critical information on their accounts or transactions to help them take appropriate actions The bank staff may also require certain information on the customer accounts and transactions A business alert is a message that conveys such information by email sms or as a message on the user dashboard Oracle FLEXCUBE allows you to define business alerts for the bank staff as well as bank customers The alerts can be generated to the customers and staff at a regular interval defined in the system This chapter contains the following sections e Section 3 1 Alert Selection Criteria e Section 3 2 Alerts Alert Selection Criteria This section contains the following topics e Section 3 1 1 Defining Alert Selection Criteria e Section 3 1 2 Viewing Alert Criteria Definition Summary Defining Alert Selection Criteria You can define alert selection criteria in Oracle FLEXCUBE The system identifies the set of customers who receive the alerts based on the selection criteria The system generates the alerts based on the selection criteria defined in Alert Selection Criteria screen To invoke this screen type 1TDACMNT in the field at the top right corner of the Application toolbar and click the adjoini
5. Alerts screen in your Dashboard You can also view the Alerts screen by typing ITDALEDB in the field at the top right corner of the Application toolbar and clicking the adjoining arrow button Alerts Ft Subject Message Effective From Conversation open Conversation open 2012 04 18 Customer TOD and Acc For Customer account 2012 04 18 Customer Branch Tran Customer 1 your acco 2012 04 18 lt v This screen displays five latest alert messages that require your attention You can click the link more to view the remaining alert messages in your Dashboard The messages are arranged in descending order of the effective date You can view the following details of the alert messages e Subject line of the alert message e Message e Effective date of the message For further details on User Dashboards refer to the User Dashboards user manual ie ORACLE 4 1 4 Spend Analysis Oracle FLEXCUBE uses Spend Analysis to track the Debit transactions of a customer By tracking the debit transaction of an account the customer can manage all the debit transactions in a more effective way This chapter explains the spend analysis feature of Oracle FLEXCUBE and various maintenances and operations associated with it This chapter contains the following sections e Section 4 1 Spend Analysis e Section 4 2 Spend Class by a Bank User e Section 4 3 Spend Classes for Channel User e Section 4 4 Spend
6. Conversations in Oracle FLEXCUBE The captured conversations are assigned to the corresponding users The dashboard of respective bank user displays the conversation The details of the conversation during its life cycle are captured in such a way that it resembles an actual conversation The details section will be in reverse chronological order with the most recent updates being shown in the top Consider the following example Step 1 Mrs Catherine calls up her Bank and speaks to Mr Edward from the Call Center Helpdesk of the bank informing that her Account has been debited twice for an ATM transaction that she carried out last evening She complained that she has withdrawn 200 whereas her online account statement show 200 been debited twice Step 2 Mr Edward takes down her complaint and informs her that he will get back to her at the earliest He creates a new conversation The below table is the snapshot Field Name Value Conversation 200 has been debited twice from 0008341002 Piel HELPDSK Help Desk 12 FEB 2012 14 30 Step 3 Mr Edward then assign the conversation to role mapped to accounts department ACCDEPT ROLE Field Name Value Conversation Assign to HELPDESK Help Desk ACCDEPT ROLE Account Details Department HELPDSK Help Desk 14 FEB 2012 14 30 200 has been debited twice from 0008341002 HELPDSK Help Desk 12 FEB 2012 14 30 Step 4 Mr Jones from the Accounts depar
7. Rules Spend Analysis This section contains the following topics e Section 4 1 1 Spend Analysis in Oracle FLEXCUBE e Section 4 1 2 Classification of Entries e Section 4 1 3 Classification of Reversal Entries Spend Analysis in Oracle FLEXCUBE Spend analysis feature of Oracle FLEXCUBE supports the following actions e Automatically classify transactions under different spend classes e Create new spend classes and sub classes as well This can be done by a bank user or a customer from external channels channel user e Channel user can add sub class codes to bank defined class codes e Channel user can add sub class codes to the class codes that are created by the same user e Manually reclassify transactions into another class code or sub class code e View spend analysis details e Channel user can split a transaction amount into multiple amounts e Deletion of channel user defined class code and class sub code e Re opening of a deleted class code or sub class code Oracle FLEXCUBE classifies the debit transactions from a customer account under different spend classes A spend class refers to the classification of debit transactions made from a customer account for a specific purpose Based on the type of expenditure from the account Oracle FLEXCUBE will classify the debit transactions under different spend classes This classification is available only for the respective customer It helps the customer to
8. The user or customer can view the alert message in the dashboard or portal for the number view days maintained here After that the message will disappear from the dashboard or portal Target Tab You can capture the details of the customer and bank users for who will receive the alert message Click Target tab Alert Definition E New E Enter Query Alert Code Description Criteria Code Final SQL Statement Preferences Pd Messages Target Type Customer Customer Both Customer No Column Position Targets 1 Of 1 E Bank User Type Target ID Description Ejuser Maker Date Time Mod No Checker Record Status ed Date Time Authorization Status Specify the following details a ORACLE Target Type The target type indicates the receiver of the alert message The drop down list displays the following target types e Customer select this if the alert message is intended only for the customer e Bank User select this if alert message is intended only the bank user e Both select this if the alert message is intended for the customers and the bank users You can choose the appropriate one Customer Both Specify the intended target The drop down list displays the following options e Customer Only if you select this the system generates the alert to the customer alone e Customer and RM Direct if you select this the system generates the alert to
9. all valid selection criteria codes maintained in the system Choose the appropriate one Final SQL Statement Based on the criteria code selected the system displays the final SQL statement Preferences Tab You can set the preferences for alert message generation under Preferences tab Click Preferences tab on Alert Definition screen Alert Definition E New amp Enter Query Alert Code Description Criteria Code Final SQL Statement J Targets Messages Effective From End Date Frequency Once pa View Days Maker Date Time Mod No Checker Record Status Date Time Authorization Status Under this tab you can set the following preferences for the alert generation sa ORACLE 3 2 3 Effective From Specify the start date of the alert message generation Click the date button to choose a date from the calendar The system will generate the alerts for the users customers from this date End Date Specify the end date of the alert message generation Click the date button to choose a date from the calendar The system will generate the alerts for the users customers until this date Frequency Specify the frequency of the alert message generation Depending on the requirement you can choose one of the following frequencies e Once e Daily e Weekly e Monthly e Yearly View Days Specify the number of days you wish to keep the alert message in the dashboard or the portal
10. conditions using Expression screen Click Expression button on Spend Rule Maintenance screen Expression Condition Elements Functions Absolute Operators Logical Operators lt Braces You need to specify the following details to create the expression Condition Based on the element operators and logical operators that you select in the below fields the system displays the condition Elements Select element based on which you need to build a condition for spend rule The following elements are applicable to spend rules Element Field Description ate ORACLE SOURCE Source The source code of the internal external system MOD Module The module encompassing the entry in considera tion TRNREF Transaction Ref The reference number of the transaction erence EVENT Event Code The purpose of triggering the transaction AMOUNT Amount The amount transacted CCY Currency Currency in which the amount is represented ADDLINFO Additional Infor Additional transaction details from the preceding mation statement narrative which will be passed on to the account owner EXTSYSUID External System The user ID mapped to the external system User ID CHANNE Channel User ID The user ID used to access the channel from LUID which the transaction was initiated INSTMT Instrument Code Code of the instruments such as cheques COD
11. defined Class Code Sub Class Code After a week Mr Sharma views the breakup of his transactions from September 01 2013 to September 20 2013 He observes that the transactions are classified under different spend classes as follows Categorization Date A Currency mount Sub Class Class Code Code 01 09 2013 INR 40 000 00 Loan Home Loan 4 2 ORACLE 08 09 2013 INR 500 00 Mobile Bill Swisscom Mobile Bill 10 09 2013 INR 12 000 00 Credit Card CITI Bank Bill CC 12 09 2013 INR 6 000 00 Electricity Bill 14 09 2013 INR 5 000 00 Cash 17 09 2013 INR 2 000 00 Cash Mr Sharma knows that he has withdrawn INR 5000 and INR 2000 from his account through an ATM transaction He then used that amount for car servicing and medicines respectively Also he is aware that he has paid the Electricity Bill for BESCOM Now by seeing the transactions he has re categorized the transactions based on his spending nature Date Currency Amount Categorization Class Code Sub Class Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank Bill CC 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Maintenance 17 09 2013 INR 2 000 00 Medical Bills 3 Re categorization of a transaction to a bank defined Class Code and user
12. screen SELECT cust customer_name 1 coli cust customer no col2 a user defined status col3 dt today col4 COUNT 1 col5 FROM cltb account master a sttm customer cust sttm dates dt WHERE cust customer no a customer id AND dt branch code a branch code AND a user defined status IN SELECT b status code FROM CLTM PRODUCT STATUS LEVEL b WHERE b product code a product code AND b adversity level in SELECT c adversity level FROM CLTM PRODUCT STATUS LEVEL c WHERE c product code a product code oe ORACLE AND c status code lt gt NORM and c adversity level gt 1 Group By cust customer name1 cust customer no a user defined status dt today Having count 1 gt 3 Further in Alert Definition screen under Message tab you need to create an alert message as follows Dear USERNAME USERID Kindly note that as on today TODAY the number of loans for the customer 1 ID 2 with status 3 or worse is 5 Regards lt Bank Name gt This is an auto generated message and does not need any signatures Notice that three variables viz USERNAME USERID and TODAY are used in the above message While generating the actual message for a user the system replaces these variables with the bank user name user ID and the current application date The actual message will be generated as follows Dear Smith SM000123 Kindly note that as on today 01st Mar 2012 the number of loa
13. the Source Code If the reminder is created in FCDB the system displays the Source Code as FCAT Target User ID The system displays Target User ID It refers to channel user ID and FCUBS user ID if the reminders are created from FCDB and FCUBS respectively Maker ID The system displays the name of the user who created the reminder Note Maker ID can either relate to FCUBS user or FCDB customer Maker Date Stamp The system displays the date and time of creating the reminder Note The date format is YYYY MM DD oe ORACLE 6 2 2 Viewing Reminders on User Dashboard Bank users can view the reminders on the dashboard Fs Subject Message Effective Date Dismiss m KEN The system displays the following information on the dashboard e Subject e Message e Effective Date e Dismiss Dismiss Check the box to dismiss the reminder The dashboard displays only the first five reminders If the dashboard contains more than five reminders the other reminders are displayed on the next page You can navigate to the previous and next page using the left and right arrow keys on the top right corner of the dashboard window Click refresh icon to refresh the reminders displayed on the landing page 6 2 3 Viewing Reminders Summary You can view a summary of the reminders created in Oracle FLEXCUBE using the Reminders Summary screen To invoke this screen type TTSREMND in the field at the top right co
14. the keyword From Based on the columns defined under Select and From and Where Clause the system forms the final SQL statement You need to ensure that the final SQL statement is a syntactically correct SQL statement Final SQL Statement The system concatenates the values defined under Select and From and Where Clause and displays the final SQL statement This must be a valid SQL statement The system generates the alert messages based on this final SQL statement Once you have captured the details save the record To define the criteria as SQL statement you need to have sufficient understanding about the data model of Oracle FLEXCUBE and SQL programming language oe ORACLE 3 1 2 Viewing Alert Criteria Definition Summary You can view a summary of the alert criteria maintained in Oracle FLEXCUBE using Alert Selection Criteria Summary screen To invoke this screen type ITSACMNT in the field at the top right corner of the Application toolbar and click the adjoining arrow button Alert Selection Criteria Summary C Advanced Search 9 Reset Authorization Status Record Status Criteria Code Description Records per page 15 v Authorization Status Record Status Criteria Code Description You can search for the records based on one or more of the following parameters e Authorization status of the record e Status of the record e Selection criteria code e Sel
15. user defined class code and sub class code Viewing Customer Spend Analysis Details You can view the details of customer spend entries and transactions using Spend Analysis screen To invoke this screen type ITDSPQRY in the field at the top right corner of the Application toolbar and click the adjoining arrow button Spend Analysis Enter query Customer ID Customer Name Account Currency Account Description Kjus Transactions Spend Entries 1 Of 1 F Month Year Class Code Description Sub Class Code Description Total Amount You can search for the spend classification details based on the following parameters Customer ID Specify the CIF of the customer whose spend analysis you wish to view The option list displays all valid customer numbers maintained in the system Choose the appropriate one 18 ORACLE Based on the customer number the system displays the name of the customer Account Currency Specify the currency code The system will display the customer spend analysis for the currency specified here Based on the currency code specified the system displays the account description Spend Entries Click Spend Entries tab to view the spend entries for the selected customer and currency Spend Analysis Enter Query Customer ID Customer Name Account Currency Account Description Sess Transactions Spend Entries 10f1 30 FiMonth Year Class Code Description Sub
16. 0f1 Authorization Status Record Status Memo ID Customer Account No Category Branch Code _ You can search for the instructions based on either one or more of the following parameters Authorization status Record Status Memo ID Customer Account No Category Branch Code Once you have specified the search parameters click Search button The system will display the following information Authorization status Record Status Memo ID Customer Account No Category Branch Code p ORACLE 8 Function ID Glossary c ITDSPCBK iese 4 10 CSDINSTR ee ee 7 1 ITDSPCLS ees ese 4 12 CSSINSTR sien ie 7 4 ITDSPORY esse 4 18 ITDSPRLM sukess 4 15 l ITSACMNT esse es 3 3 ITDACMNT ee ee 3 1 ITSADMNT ee ee 3 11 ITDADMNT ees ee 3 4 ITSINPRF ee ee 2 6 ITDALEDB ee ees 3 12 ITSREMND ee ee 6 4 ITDINPRF Lusis 2 2 ITSSPCBK ee 4 11 ITDINTRN ee ee 5 7 ITSSPCLS vanns 4 14 ITDREMND ees ee 6 2 ORACLE
17. 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Funds Trans To Akshay fer Mr Sharma logs into the system and feels that he does not require the Class Code Funds Transfer While he is trying to delete this class code the system display an error message stating that the Class Codes which has underlying transactions cannot be deleted Since the class code Funds Transfer has a Sub Class Code To Akshay and it has an underlying transaction the system does not allow the user to delete the user defined class code User need to re classify the underlying transaction to any other Class Code Sub Class Code to delete the Class Code Funds Transfer Date Currency Amount Categorization Sub Class Class Code Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank Bill CC a ORACLE 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Funds To Akshay Transfer 7 Splitting of a Transaction The following transactions are made by a customer whose name is Mr Ajay He has the access to internet banking system in thi
18. Bank Code Specify the bank code of the corresponding head office branch The adjoining option list displays the bank code of the head office branch Note You can maintain these preferences at the head office level only on ORACLE Conversation Preferences Tab You can set the preferences with respect to the conversations under the Conversation Preferences tab Click Conversation Preferences tab on Interaction Preferences Maintenance screen interactions Preference E New E3 Enter Query Bank code ord Ed HIE Spend Analysis Preferences Stale Period Days v Default User Role Indicator User v Default User Role Name 41011 Department User Role Assigned To Role Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Stale Period Specify the period after which a closed conversation is moved to Archival You can specify the stale period in terms of number of days months or years If you choose the unit as Days you need to specify the number of days here Similarly if you choose the unit as Months you need to specify the number of months during which a closed conversation will remain active Stale Period Unit Specify the unit in which the stale period is specified You can choose one of the following units e Days e Months e Years Default User Role Indicator Specify w
19. Bank Summary EG Search Advanced Search 9 Reset LA Clear All Case Sensitive Authorization Status v Record Status X Class Code h Description p P Records per page 15 10f1 Authorization Status Record Status Class Code Description You can search for a record by entering details in the following fields e Authorization Status e Record Status e Class Code Click the search button and the following fields will populated with values based on your search parameters e Authorization Status e Record Status e Class Code e Description Spend Classes for Channel User This section contains the following topics e Section 4 3 1 Maintaining Spend Classes for Channel User e Section 4 3 2 Viewing Spend Class Summary Nu ORACLE 4 3 1 Maintaining Spend Classes for Channel User The following activities can be done in this screen e Creation of Class Code by channel user e Creation of Sub Class Code for the channel user defined class code e Creation of Sub Class Code for the Bank user defined class code To invoke this screen type ITDSPCLS in the field at the top right corner of the Application toolbar and click the adjoining arrow button Spend Class for Customers ES Enter Ouery Spend Class Details Class Code Description ustomer Details Customer Number Customer Name Internal Class Details Intemal Class Code Description m Sub Class Details 10f 1
20. Class Code Description Total Amount You can view the following details of each customer spend entry e Month of the spend entry e Year of the spend entry e Class Code e Description e Sub Class Code which is the sub class code to which the transaction is mapped e Description which is the description of the sub class code e Total Amount FE ORACLE 4 4 4 Transactions Click Transactions tab to view the spend transactions for the selected customer and currency Spend Analysis Enter Query Customer ID Customer Name Account Currency Account Description Spend Entries Transactions Transactions 1 Of 1 F Class Code Description Sub Class Code Description TransactionDate Currency Amount Account Bran You can view the following details of each spend transaction under the Transactions tab e Class code to which the entry transaction is mapped e Description of the Class Code e Sub Class Code e Description of the sub class code e Transaction Date e Currency of the amount e Amount of transaction e Branch of the transaction e Source code of the internal external system e Reference number of the transaction e Additional information on the transaction in the preceding statement narrative to be passed on to the account owner e User ID mapped to the external system e Channel User ID to access the channel from which the transaction was initiated e Rule appl
21. E TRNCODE Transaction Transaction code Code TRNDESC Transaction Transaction description Description SAMTTAG Amount Tag Amount tag Functions Specify the mathematical function for building the condition The drop down list displays the following functions e Absolute e Greatest e Round e Trunc e Floor e Ceil e Power e Mod Choose the appropriate one Operators Select the operator for building a condition for spend rule You can use multiple elements in conjunction with the functions and arithmetic operators The drop down list displays the following operators e add e subtract ORACLE 4 4 3 e multiply e divide Choose the appropriate one Logical Operators Select the logical operator for building a condition for spend rule The system uses the logical operators in combination with the elements for creating derivation rules The drop down list displays the following logical operators e gt greater than e gt greater than or equal to e lt less than e lt less than or equal to e equal to e lt gt not equal to Choose the appropriate one Once you have created the condition save it The system will classify each debit transaction under different spend classes based on the rule spend class mapping set here You can also create a rule to classify the transactions that do not qualify any of the rules maintained in the system These rules can be defined for a bank
22. ORACLE 5 Conversations Using Oracle FLEXCUBE you can capture the conversations with the customers This helps you to track and address the request of the customers You can also capture the internal conversations within the bank triggered by the original interaction with the customer Consider the following examples Scenario 1 Mrs Catherine calls up her Bank Helpdesk and informs that her Account has been debited twice for last evening s ATM transaction She complained that she has withdrawn 200 but her online account statement show 200 been debited twice Mr Edward the bank s helpdesk representative Mr Edward takes down her complaint and informs her that he will get back to her at the earliest He logs a conversation by filling in the necessary details and assigns the conversation to Accounts department Mr Jones from the Accounts department gets this in his dashboard and takes up the conversation and figures out the problem and takes steps to resolve the issue and credits back the 200 to Mrs Catherine s account Jones closes the conversation and gives the closure remarks 200 debited extra accidentally has been credited back to the Account The bank is extremely sorry for the inconvenience caused and will take all steps to ensure that this does not happen again Mrs Catherine logs into her online account later and sees that her account balance has increased by 200 and the closure remarks message in her inbox
23. ORACLE Interactions User Guide Oracle FLEXCUBE Universal Banking Release 12 1 0 0 0 Part No E64763 01 September 2015 Interactions User Guide September 2015 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2015 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for use in any inherently dange
24. Reminders on User Dashboard iii ee ee ee Re ee ee 6 4 6 2 3 Viewing Reminders Summary iese ee RA ee ee RR AE ee ee nero ee ee ee Re ee 6 4 aa le del OR RR ER EE HE EE N 7 1 7 1 Instructions in Oracle FLEXCUBE esse sees ee ese ee ee ee ee ee ee ee ee AA ee Re ee ee AA ee ee ee 7 1 7 2 Maintain InstructiOnS iese ee ee ee AA Re ee AR E A AA ee Re ee ee Re ee AR E 7 1 72 1 Maintaining InstrucHOnS see ee RR ee RR Re ee ee RR Re ee ee ee i Re ee 7 1 7 2 2 Viewing Customer Instructions ee ee AR RR AR Re ee ee ee Re ee ee 7 3 7 2 3 Viewing Instructions Summary iese ee ee ee AR Re AA ee GR Re ee ee ee Re ee ee 7 4 Funetion ID Glossary sasie Eed su Sk eke Se ee EE EG RSA RE SN MA naa 8 1 1 1 1 2 1 3 1 4 1 Preface Introduction This manual is designed to explain the Interactions IT module of Oracle FLEXCUBE It provides an overview to the module and provides information on using the Interaction module of Oracle FLEXCUBE You can further obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard Audience This manual is intended for the following User User Roles Role Function 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 Gener
25. SMS TE ORACLE 7 2 2 Viewing Customer Instructions You can view the instruction details mapped to all memo IDs of the corresponding customer through Customer Instructions View screen On any screen of Oracle FLEXCUBE place the cursor in either Customer Number or Customer Account Number field and press the F6 key The system will invoke the Customer instruction view screen Customer Instructions View E New E3 Enter Query Customer Account No Description Category Instructions Details 10f1 T User Message Instruction Date Instruction Expiry Date F You can search for the instruction details mapped to all memo IDs based on either one or more of the following parameters e Customer Account No e Description e Category Once you have specified the search parameters click Search button The system will display the following information e User Message e Instruction Date e Instruction Expiry Date 78 ORACLE 7 2 3 Viewing Instructions Summary You can view a summary of all instructions using the Instructions Summary screen To invoke this screen type CSSINSTR in the field at the top right corner of the Application tool bar and click the adjoining arrow button Instructions Summary C Advanced Search Reset Authorization Status y Record Status Memo ID Customer Account No Category Branch Code Records per page 15 1
26. Scenario 2 Mr John has a compliant regarding amount deducted from his current account Assuming that it was an extra EMI deducted for a loan he contacts Mr Jonathan from Loans Department explaining his concern Mr Jonathan then opens a conversation for the customer He finds out that the amount debited was not an EMI amount So he assigns the conversation to Mr Jones of the Accounting Department Mr Jones concludes that the amount deducted was an annual maintenance fee So he closes the conversation with a reply to the customer stating that the amount debited was an annual maintenance fee levied on the current account Mr John receives this message on his inbox Scenario 3 Mr Mark is interested in a new Term Deposit product for investment He calls up the banks help desk number inquiring about the same The bank s helpdesk person opens a new conversation based on the details provided by Mr Mark The helpdesk person assigns the conversation to a TD role This action will result in a query being raised to all the users mapped to that role Mr Taylor from the Term Deposits department pickup up the conversation and assigns it to his subordinate Mr Collin Mr Collin then responds to Mr Mark with all the details of Term Deposit product Mr Mark can view the message in his inbox S ORACLE 5 1 This chapter contains the following sections e Section 5 1 Conversations in Oracle FLEXCUBE e Section 5 2 Create Conversations
27. adjoining arrow button Conversation Capture Details E New E3 Enter Query Customer Details Customer ID Customer Name Conversation Details Conversation ID Priority Low Conversation Category Call Report Conversation Date Conversation Time Last Changed On Conversation Status Open X Venue Branch Target Closure Date Conversation Mode Not Available Department Details Department Other Department Senior Management Not Available User Role Role Assigned To Involved Other Offices Involved Channel Details Direct Access Channel No External System User ID Channel User ID Message Details Orginal Request Subject Detail Documents Presented Replyto Customer No Closure Remarks Customer Conversation Documents Maker Date Time Mod No Checker Record Status Eat Date Time Authorization Status In this screen you need to specify the following information Conversation ID The system generates and displays the conversation ID This is a unique identifier of the conversation Conversation Status The system displays the conversation status as Open However you can modify the conversation status The drop down list displays the following statuses e Open Select Open when create a new conversation e WIP Select WIP when you assign the conversation to a user e Close Select Close when the conversation is closed e Pending with Customer Select Pending with Custo
28. an he contacts Mr Edward from Loans Department explaining his concern Mr Edward then opens a conversation assigned to his name and begins an analysis Field Name Value Conversation Details An amount of 23 has been debited from account 00073482 BLONO1 OZ FEB 2012 13 29 Step 2 Mr Edward finds out that that the amount debited was not an EMI amount So he transfers the conversation to Mr Jones from the Accounting Department asking him to look into the matter Field Name Value 2 ORACLE Conversation The debited amount is not EMI amount Mr Jones please look into Details this Assigned to EDWARD user name role of the user is displayed JONES user name role of the user is displayed Department LOAN ACC EDWARD 15 2 20 12 05 An amount of 23 has been debited from account 00073482 BLONO1 07 FEB 2012 13 37 Step 3 Mr Jones concludes that the amount deducted was an annual maintenance fee So he closes the conversation with a reply to the customer stating that the amount debited was an annual maintenance fee levied on the current account Field Name Value Conversation Details Debited amount is an annual fee on current account Conversation Status W C Status WIP Closed JONES 15 2 2012 7 35 The debited amount is not EMI amount Mr Jones please look into this Assigned to EDWARD user name role of the user is displayed JONES user name rol
29. ass code A bank user will not be allowed to delete a channel user defined class code or sub class code Splitting a Transaction A channel user can split a transaction and classify it into multiple class codes and sub class codes A transaction can be split into multiple amounts and these amounts can be classified into multiple class code and sub class codes The channel user has a choice to reclassify an already split amount to another class code or sub class code If the original transaction is reversed in the FCUBS system then the entire split amount is reversed and no record will be associated with the assigned class code or sub class code When the earlier splitting is reversed then the whole transaction will be shown against the Class Code or Class Sub Code to which it was originally associated with before splitting The split amount is displayed in the Spend Analysis ITDSPQRY screen instead of the original amount The total split amount should be equal to the original transaction amount or else the system displays an error message A transaction which is already split cannot be split further However if the splitting has to be done differently then the transactions can be reversed A channel user can split transaction through the FCUBSInteractionService vi ORACLE messaging service For more information on this service refer to the section Annexure List of messages in the Gateway Services module Ee
30. assed on to the account owner External System The User ID mapped to the External System User ID a ORACLE Channel User ID The User ID used to access the Channel from which the transaction was initiated Instrument Code Instruments like Cheques issued can be captured here Applied Rule The rule which has been applied to arrive at the Spend Class mapped to this entry Each entry considered for spend analysis is subject to a rule application logic which takes the entry through each rule arranged in ascending order of priority Once a rule succeeds in its execution the spend class associated with that rule is assigned to the entry and the rest of the rules are not executed This process is repeated for the rest of the entries Classification of Reversal Entries In case of a reversal entry either the FCY amount LCY amount is negative or the event is reversal specific or both A reversal entry is considered if the following attributes match the original entry Field name Description Module The Module encompassing the entry in consideration Value Date The value date of the Transaction Transaction Ref The Reference Number of a transaction for all modules except erence Loans Related Account For Loan Modules Branch Code The branch from which the entry was triggered Account Number The account number for which the transaction was triggered Amount Tag The amoun
31. ation of reports Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Awww oracle com pls topic lookup ctx acc amp id docacc Organization This manual is organized into the following chapters Chapter Description About this Manual gives information on the intended audience It also Ghapler1 lists the various chapters covered in this User Manual Interactions in Oracle FLEXCUBE help the customers track the informa Chapter 2 tion related to their accounts They also help the bank users identify the tasks that require their attention Alerts give critical information on their accounts or transactions to help Chapter 3 them take appropriate actions The bank staff may also require certain information on the customer accounts and transactions Spend Analysis tracks the Debit transactions of a customer By tracking Chapter 4 the debit transaction of an account the customer can manage all the debit transactions in a more effective way Conversations help capturing the conversations with the customers This Slapies helps you to track and address the reguest of the customers tl ORACLE 1 5 1 6 Reminders describes the methods to create view and track reminders Chapter 6 about important activities that require attention for the bank staff and the customers Chapter 7 Instruct
32. e respective checkboxes and clicking the delete button ae ORACLE Spend Analysis Preferences Tab You can set the preferences with respect to the spend analysis under the Spend Analysis Preferences tab Click Spend Analysis Preferences tab on Interaction Preferences Maintenance screen interactions Preference E New amp Enter Query Bank code Conversation Preferences Spend Analysis Preferences Spend Analysis Required Archival Period Days Threshold Value Default Spend Class Description Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Spend Analysis Required Check this box to indicate that spend analysis is applicable to the selected bank code If you do not check this the system will not enable spend analysis for the bank Archival Batch Frequency Specify the period after which the spend entry should be considered for archival You can specify the period in terms of number of days months or years If you choose the unit as Days you need to specify the number of days here Similarly if you choose the unit as Months you need to specify the number of months after which the spend entry will be archived Archival Batch Frequency Unit Specify the unit in which the archival batch frequency is specified You can choose one of the following units e Days e Months e Years Rule Threshold Value Specify
33. e ee ee ee ee ek ee ee Re ee ee 4 16 44 3 Viewing Customer Spend Analysis Details iese ek Re Re ee ee 4 18 4 4 4 Reclassification of Spend Classes iii ee Re RR Re AR Re AR Re ee neee 4 20 4 4 5 Deletion of Spend ClasS iii ek AR AA AR Re AA GR RA AG Ge ee RA ke Ge ee ee 4 21 4 4 6 Deletion of Sub Class Code ii Re Re ER Re AA AR Re AR Re ee Re ee ee 4 21 4 4 7 Splitting a TransaCHON ees ee ee GR Re ee ee Re ek Ge ee GR Re ee ee ee vennen 4 21 Gonversations EE ER SEE ER NEER GESE Gee GR ie leeds ee De ge AE De ee Gee ET 5 1 5 1 Conversations in Oracle FLEXCUBE rrrnrnnrnnrnnvnnnnnrenennrrrnnnnrnnerrrrrsnnrnererrersnnnnnennr 5 2 5 2 Create ConversatiONS iii se ee ee AA AA AA AA AA AR AA AA Re ee RA AA ee ee ee 5 6 521 Creating CONVersalions ss Eis GEE ESE NEE Ne Aes 5 7 5 2 2 Uploading Documents erresire aa Ieee O RAA EEA ee Re ee ee Re ee 5 10 5 2 3 Viewing Conversation Summary iii ee ee GR Re AA ee GR Re ee ee ee Re ee 5 11 5 2 4 Viewing Conversations on User Dashboard iese ees ee ee ee Re ee 5 12 Reminders sediaada aaa AE Ses Re KA Ee GN EER de ONA ia Ka Se ek EA des ERA Eie tn 6 1 6 1 Reminders in Oracle FLEXCUBE iese sedes ee ees ee ee ee ee ee ee de ee ee ee ee ee ee ee AA ee ee 6 1 6 2 Create Reminders iii iss ee ee AA AA AA AA de RA AA Re ee RA AA Ge ke ee 6 2 6 2 1 Creating ReminderS eise ee ER RA AA GR RA AA ee AR RA AG ee RA AA Ge ee ee Ge 6 2 6 2 2 Viewing
34. e of the user is displayed Conversation Status O W Department LOAN ACC EDWARD 15 2 20 12 05 An amount of 23 has been debited from account 00073482 EDWARD 07 FEB 2012 13 37 Closure Remarks Y Display Closure Remarks to Cus Please note that the debited amount is an annual tomer maintenance fee levied on the current account Step 4 Mr John receives this message on his inbox g ORACLE Example 3 Step 1 Mr Mark is interested in a new Term Deposit product for investment He calls up the banks help desk number inquiring about the same The bank s helpdesk person opens a new conversation based on the details provided by Mr Mark Field Name Value Conversation Details Provide details about product TD04 HELPDSK 07 FEB 2012 13 29 Step 2 Helpdesk person assigns the conversation to TD department TDDEPT The system auto assigns the conversation to TD role TD_ROLE This action will result in a query being raised to all the users mapped to that TD role Field Name Value Conversation Details Assigned to HELPDESK Help Desk TD_ROLE HELPDESK 11 2 2012 1 35 Provide details about product TD04 HELPDSK 07 FEB 2012 13 29 Step 3 Mr Taylor from the Term Deposits department pickup up the conversation an assigns it to his subordinate Mr Collin Field Name New Value Conversation Details Mr Collin Please clarify the customer with the required details Con
35. ection criteria description Once you have set the search parameters click the Search button The system displays the records that match the search criteria Double click a record to view the details 3 2 Alerts This section contains the following topics e Section 3 2 1 Defining Alerts e Section 3 2 2 Preferences Tab e Section 3 2 3 Target Tab e Section 3 2 4 Message Tab e Section 3 2 5 Viewing Alert Definition Summary e Section 3 2 6 Viewing Alert Dashboard 3 2 1 Defining Alerts You can define specific alerts to be sent to the bank staff and customers You need to define the alert codes and map the alert code to the customer or bank user using Alert Code sa ORACLE 3 2 2 Definition screen To invoke this screen type ITDADMNT in the field at the top right corner of the Application toolbar and click the adjoining arrow button Alert Definition E New E3 Enter Query Alert Code Description Criteria Code Final SQL Statement Ed Targets Messages Effective From End Date Frequency Once View Days Maker Date Time Mod No Checker Record Status Date Time Authorization Status Specify the following details Alert Code Specify the alert code to be mapped to the customer or bank Description System displays the description of the alert based on the alert code specified Criteria Code Specify the selection criteria code to be used for the alert The option list displays
36. em defaults the conversation time in 24 hours format Senior Management Involved Select the corresponding senior management involved from the following options e COO e Region Head e Senior RM e CEO Other Offices Involved Specify other offices involved if any Last Changed On Last Changed On is a read only field displaying the date and time of the last modification ae ORACLE Priority The system defaults the priority as Low Select the priority of the corresponding conversation from the following list e Low e Medium e High Target Closure Date Specify the tentative conversation closure date that was communicated to the customer Conversation Mode Select the mode of conversation from the following options e Meeting e Telephone e Email e Other e Face to Face Subject Specify a subject for the corresponding conversation Detail Specify the additional details if the corresponding conversation if any Original Request Specify the initial conversation message Documents Presented Specify the details of the documents presented Display Closure Remarks for Customer Select the option to specify whether to display closure remarks for customer or not The system defaults the Closure Remarks for Customer as Yes Closure Remarks Specify the closure remarks Note Closure Remarks is mandatory if Display Closure Remarks to Customer is opted and Conversation Status belongs to the followi
37. es TaD oi TA e ae she eg hose A eas 3 4 323 Target RE RR EN EE EG 3 5 32 4 Message Tabs ss re dr EE EES beg oge SS ed Se eed ge N gig 3 7 3 2 5 Viewing Alert Definition Summary eie eek ee Re AA renn Re ee ee ee Re ee ee 3 11 3 2 6 Viewing Alert Dashboard ieceri einen ee ek RA ee Re AEAEE ee ee ee ee 3 12 Spend ANALYSIS iS REKE AE Me be Re AK GOD Ge eN Ge ke ik se 4 1 41 Spend AnalysiS si 0 ace EE a Ee ge ee NR ed SR ee ge ee ane 4 1 4 1 1 Spend Analysis in Oracle FLEXCUBE eise ee ee ee ese ee ee ee ee ee ee Re ee ee Re 4 1 4 1 2 Classification of Entries uie ee ee RA ee Ee GR RA ee ee RA ee Ge ee ee Re 4 8 4 1 3 Classification of Reversal Entries eie ees ee ee Re ee ee GR Re ee RA ee Ge ee ee 4 9 42 Spend Class by a Bank USeF iii se ee ee ee ee AA Re ee ee AA ee ee ee AA Re ee 4 10 4 2 1 Maintaining Spend Class by a Bank USer iii eek ee Re RR ee Re ee ee 4 10 422 Viewing Class Code Summary sesse ek ee ee RR AR Re ek ee Re ee ee ee 4 11 4 3 Spend Classes for Channel USeF ii ee ee ee Ge AA Re ee AA ee ee AA Re ee 4 11 4 3 1 Maintaining Spend Classes for Channel US6r rrrnnnrrrrrrrrnnrrrrernrnnrnrrerrr 4 12 4 3 2 Viewing Spend Class Summary iese eek ee ee ER Re AR ee AR Re Re ee ee 4 14 44 Spend Rules ie EE ae a sn ge ee ee 4 14 4 4 1 Defining Spend Rules se ER Re AA ee GR Re AA ee Re ee ee Re ee Re ee ee 4 14 4 42 Creating Conditions with Expressions iese ese e
38. for the customer account Branch Code The system displays the branch code of the account Category The system displays the category based on the selection of Customer Account No Description The system displays the Description It contains either the customer name or the account name Instructions Details Instruction ID Specify a unique identifier for the instruction Display Type Select the display type of the memo The drop down list displays the following options e Override select this to display the memos in override screen while saving the input information and authorizing the transaction e Informational select this to display the memo after pressing the F6 key e Both select this to display the memo in override screen and after pressing the F6 key User Message Specify the message to be displayed after pressing the F6 key Instruction Date Specify the date on which the instruction is generated Instruction Expiry Date Specify the expiry date of the instruction Show to Customer Check the box to display the message to the end users Customer Message Specify the message to be displayed to the end customers at FCBD portal This message is displayed to the end users only when Show to Customer checkbox is selected Language Select the language The system displays the memo in this language Channel Select the mode of channel The drop down displays the following options e Dashboard e E Mail e
39. get the details of the money spend from the account under each spend class Consider the examples t ORACLE 1 Classifying transactions under spend classes Mr Sharma is a customer of the bank He has access to the internet banking system in this case the Oracle FLEXCUBE Direct Banking System to view the breakup of all transactions involving debits from his account The transactions are already grouped under different spend classes based on certain rules either pre defined or maintained in Oracle FLEXCUBE Mr Sharma s debit transactions from September 01 2013 to September 20 2013 are given below Date Currency Amount Categorization 01 09 2013 INR 40000 00 CHome Loan EMI 08 09 2013 INR 500 00 Swisscom Mobile Bill 10 029 2013 INR 312000 00 Citbank Credit Card Bill 12 09 2013 INR 6000 00 Electricity Bill Based on the spend rules the system classifies the transactions under different Class Codes and Sub Class Codes as follows The system thus classifies the debit transactions from the Categorization D A ate Currency mount Sub Class Class Code Code 01 09 2013 INR 40000 00 Loan Home Loan 08 09 2013 INR 500 00 Mobile Bill Swisscom Mobile Bill 10 09 2013 INR 12 000 00 Credit Card Citbank Bill Credit Card 12 09 2013 INR 6 000 00 Electricity Bill account based on the bank defined class codes and sub class codes 2 Reclassifying transactions to a Bank
40. he channel user cannot re classify a closed class code A channel user can close a class code through the FCUBSInteractionService messaging service For more information on this service refer to the section Annexure List of messages in the Gateway Services module A channel user can re open a closed class code which pertains to him or her A channel user can reopen a class code through the FCUBSInteractionService messaging service For more information on this service refer to the section Annexure List of messages in the Gateway Services module Deletion of Sub Class Code A channel user can delete a sub class code that is created by him or her A channel user can delete a sub class code even when it is associated with a bank defined Class Code as well A sub class code can be deleted only if its parent class code is in Open status When a sub class code is deleted then all underlying transactions associated with the sub class code is then mapped to the parent class code A channel user can close a sub class code through the FCUBSInteractionService messaging service For more information on this service refer to the section Annexure List of messages in the Gateway Services module A bank user is allowed to delete a sub class code associated with the bank defined class code When a sub class code is deleted then all underlying transactions associated with the sub class code is then mapped to the parent cl
41. hether you are setting the conversation preferences for a particular user or a user role The drop down list displays the following options e User e Role Choose the appropriate one ee ORACLE Note In case the conversation is not assigned to any user or role the system will default the corresponding conversation to a user or role Default User Role Name Specify the user ID or role name If you are maintaining the conversation preferences for a user profile specify the user ID If you are maintaining the conversation preferences for a user role specify the user role If Department wise User Role is not maintained then the conversation will be assigned to the Default User Role Name maintained Department Specify the department for which you are setting the conversation preferences The option list displays all valid department codes maintained in the system Choose the appropriate one User Role Specify whether you are setting the conversation preferences for a particular user or a user role The drop down list displays the following options e User e Role Choose the appropriate one Assigned To Specify the user ID or role to which the conversations are assigned Based on the department code and the applicable class user role the option list displays the user IDs and roles that are applicable Choose the appropriate one You can add more rows to the list using add button You can also delete rows by checking th
42. iates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents dacii Ce EE EE ON 1 1 11 dere Ples eN EE ER EE det Gnnetu 1 1 E2 ie le EE EE EE ae are ete in a OE i a 1 1 1 3 Documentation Accessibility ie ee ee ee ee ee ee AA ee AA ee ee 1 1 N Organization KERE EE ER OE OO EE EE 1 1 1 5 Related Documents ins EE EE ELE REG dese AR Ee DR Re De Ee Ge ee De EE EG ERGE De de 1 2 1 6 Glossary of Icons anuar saa GE ie a eA Ge ois 1 2 Interactions in Oracle FLEXCUBE rnnvnnnnnnnnnnnnnnnnnnnnnnnnnnvnnnnnnnnnnnnnnnnnnnnnnn 2 1 2 1 Preferences for Interactions ees ee Re AA Re AA AR Ee AA AA Re AA ee AA ee ee 2 1 2 1 1 Setting Preferences for Interactions ee ee ee RR ee RR ee ee ee 2 2 2 1 2 Conversation Preferences Tab es ee RR AA Re ee GR RR ee ee ee Re ee 2 3 2 1 3 Spend Analysis Preferences Tab ee ER RE AR GR RR AA ee ee Re ee 2 5 2 1 4 Viewing Preferences for InteracCHONS ee ee AR Re ER Re ee ee ee ee 2 6 METT SR AE DR EE RE EE OE DE EE OE or 3 1 3 1 Alert Selection Criteria seii sesse se Ge AA AA Ge AR Re AA Re daD reari i ee Ke ee 3 1 3 1 1 Defining Alert Selection Criteria ie ee RE AA ER Re RA Re ee ee 3 1 3 1 2 Viewing Alert Criteria Definition SummarY issie esse ee ee AR RA AG Re ee ee Re 3 3 eN SE LE OE EE EE N OR EED E T EE OE Ie ck 3 3 3 amp 1 Defining EO EE EEE EEEREN EE 3 3 32 2 Preferenc
43. ied to classify the entry under a the spend class Reclassification of Spend Classes Achannel user can reclassify an already defined spend class to some other class code or sub class code The following actions are possible e Channel user can re classify a transaction to a bank defined Sub Class Code e Channel user can re classify a transaction to a channel user defined Sub Class Code e Channel user can re classify a transaction to a bank defined Class Code e Channel user can re classify a transaction to a channel user defined Class Code vee ORACLE 4 4 5 4 4 6 4 4 7 This can be achieved through the FCUBSInteractionService messaging service For more information on this service refer to the section Annexure List of messages in the Gateway Services module Deletion of Spend Class Redundant class code and sub class codes can be deleted This functionality can be used by a channel user as well as a bank user Channels users can close or delete the Class Code Sub Class Code created by him her Similarly the bank user close or delete the Class Code or Sub Class Code created at the Bank level Closure of Class Code The class codes can be closed or deleted by a channel user provided there are no underlying transactions associated with the class code or sub class code associated with it When a Class Code is closed then the underlying sub class code becomes invalid T
44. ill BESCOM 14 09 2013 INR 5 000 00 Repair amp Car Servicing Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Funds Trans To Akshay fer Mr Sharma logs into the system and feels that he does not require specific Sub Class Code for car servicing and that he has deleted the Sub Class Code Car Servicing Here Car Servicing is under the Class Code Repair and Maintenance Though the transactions are assigned to the Sub Class Code Car Servicing the system allows the user to delete the user defined sub class codes and assigns the transaction automatically to its parent class code Repair and Maintenance Date Currency Amount Categorization Class Code Sub Class Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank CC Bill te ORACLE 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Funds Trans To Akshay fer 6 Deletion of User Defined Class Code Date Currency Amount Categorization Sub Class Class Code Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank CC Bill 12 9
45. ions e Section 7 1 Instructions in Oracle FLEXCUBE e Section 7 2 Maintain Instructions Instructions in Oracle FLEXCUBE Oracle FLEXCUBE facilitates to display instructions to the bank users and the customers simultaneously You can capture multiple instructions under one Memo ID and can access these instructions Maintain Instructions This section contains the following topics e Section 7 2 1 Maintaining Instructions e Section 7 2 2 Viewing Customer Instructions e Section 7 2 3 Viewing Instructions Summary Maintaining Instructions You can maintain instructions using the Instructions Maintenance screen To invoke this screen type CSDINSTR in the field at the top right corner of the Application tool bar and click the adjoining arrow button instructions Maintenance E New E3 Enter Query Memo ID Branch Code Category Account Customer Account No Description Instructions Details 1 Of 1 o Instruction ID Display Type User Message Instruction Date Instruction Expiry Date Show to Customer Customer Message E Information Maker Date Time Mod No Checker Record Status Date Time Authorization Status a ORACLE You need to specify the following information Customer Account No Specify the Customer Account No of the account for which the instructions needs to be maintained Memo ID The system generates and displays the Memo ID It is a unique identifier
46. ions convey important information to the end user by displaying it p on the dashboard emailing or sending an SMS Chapter 8 Function ID Glossary has alphabetical listing of Function Screen ID s used in the module with page references for quick navigation Related Documents e Procedures User Manual Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function EJ Exit Add row Delete row a Option List Ke ORACLE 2 Interactions in Oracle FLEXCUBE Oracle FLEXCUBE interacts with the bank users and customers based on certain predefined parameters The interactions help the customers track the information related to their accounts They also help the bank users identify the tasks that require their attention Oracle FLEXCUBE supports the following interactions Interaction Description Conversation Conversation is the flow of information between you and the end user It helps you to track and address the request of the end users Reminder Oracle FLEXCUBE allows configuring reminders to remind about important activities like making a payment attending meetings and so on Instruction An instruction is a piece of information that is conveyed to you and the end user simultaneously on the dashboard You can provide dif ferent messages to different users of the same account Alert A business alert is a message that convey
47. is due for maturity on 07 Mar 2012 Regards lt Bank Name gt This is an auto generated message and does not need any signatures 3 Alert for fixed depositors maturity date intimation where the target type is Customer and Customer Both is RM Direct Only In order to create this alert you need to maintain the following selection criterion in Alert Selection Criteria screen SELECT s1 cust_ac_no col1 s1 cust no col2 s1 ccy col3 s1 account class col4 st ACY OPENING BAL col5 s2 customer namet1 col6 s2 language col7 s2 default media col8 FROM fcubs12ri sttm cust account s1 fcubs12ri sttm customer s2 fcubs12r1 ictm_acc s3 WHERE account class TDO1 AND s1 cust no s2 customer no and s1 cust ac no sa acc Further in Alert Definition screen under Message tab you need to create an alert message as follows Dear RM RMUID Kindly note that your customer 2 customer id 6 has a fixed deposit no 1 which is maturing on 9 The maturity balance for the deposit is 3 5 Regards lt Bank Name gt This is an auto generated message and does not need any signatures ay ORACLE 3 2 5 The actual message will be generated as follows Dear Joseph RM0875344 Kindly note that your customer John Mathew customer ID CUST23456 has a fixed deposit no FD00003456 which is maturing on 07th Mar 2012 The maturity bal ance for the deposi
48. lassifies the debit transactions into different spend classes based on the spend rules These rules can be setup only for branch defined class codes and sub class ale ORACLE codes You can define new spend rules using Spend Rule Maintenance screen To invoke this screen type ITDSPRLM in the field at the top right corner of the Application toolbar and click the adjoining arrow button Spend Rule Maintenance Ei new Enter Query Bank Details Bank Code Bank Name Rule Details 10f1 Priority Condition Expression Result ClassCode Description SubClass Code Description Negative Points Maker Date Time Mod No Checker Date Time Record Status Authorization Status Specify the following details Bank Code The system displays the bank code Priority Specify the priority of the spend rule sequence You can set the priority in any random order 1 100 91 888 etc The system considers the priority of a rule while classifying transactions Condition Specify the condition to be used in the rule You can define a condition using the Expression button For further details on defining conditions using expressions refer to the section Creating Expressions in this chapter If a debit entry satisfies the condition and result the system will classify that entry under the spend class mapped to the rule Result Specify whether the condition is expected should be met or not You can choose one of the follo
49. llowing topics e Section 4 2 1 Maintaining Spend Class by a Bank User e Section 4 2 2 Viewing Class Code Summary Maintaining Spend Class by a Bank User Multiple sub class codes for a specific class code can be maintained by a bank user in the Spend Class for Bank screen You can invoke this screen by typing 1TDSPCBK in the field at the top right corner of the Application toolbar and click the adjoining arrow button Spend Class for Bank E New B Enter Query Spend Class Details Class Code Description Sub Class Details 10f1 SubClass Code Description Maker Date Time Mod No Checker Date Time Record Status Authorization Status Specify the following details in this screen Class Code The class code is system generated Description Specify a description of the system generated class code Sub Class Code The default sub class code is system generated Description Specify a description of the sub class code The following operations can be performed in this screen e Input New e Enter Query e Unlock e Close ED ORACLE 4 2 2 4 3 e Re open e Authorization Viewing Class Code Summary You can view a list of class codes maintained by the bank user in the Spend Class Summary Screen You can invoke this screen by typing ITSSPCBK in the on the field at the top right corner of the application toolbar and click the adjoining arrow button Spend Class for
50. mer if the conversation is pending with Customer e Re Open Select Re Open to modify a closed conversation Customer ID Specify the customer ID The option list displays all valid customer IDs maintained in the system You can select the appropriate one Customer Name Based on the customer ID selected the system displays the name of the customer Department Specify the corresponding Department You can also click on the adjoining option list and select the corresponding Department a7 ORACLE Other Department Specify other departments if any User Role Select the category to which the conversation is being assigned to from the following options e User e Role Assigned To Specify the bank user or role to which the conversation needs to be assigned by clicking on the adjoining option list Conversation Category Select the category of the corresponding conversation from the following list e Call Report e Courtesy Meeting e Customer Interaction e Service Request e Complaints e Lead Venue Select the venue of the corresponding conversation from the following list e Branch e Face to Face e Client Office e Client Residence e Public Place Conversation Date Specify the date when the conversation started The system defaults the conversation date in accordance with the system date and branch offset Conversation Date cannot be future dated Conversation Time Specify the time when the conversation started The syst
51. ng arrow button Alerts Selection Criteria E New E3 Enter Query Criteria Code AC5 Description ALERT CRIERIAS Select From and Where Clause Final SQL Statement Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details ot ORACLE Criteria Code Specify a unique code that identifies the criterion that you are defining This code will be the unique identifier of the criterion based on which alert is generated The system will not allow you to modify the criteria code after saving it Description Specify a brief description of the selection criterion that you are defining Select Specify the Select part of the selection criterion The criterion must be defined as an SQL statement with aliases However you need not enter the keyword SELECT The alias naming convention is ColX Here X refers to the sequential number of the column in the Select clause Examples are s1 cust ac no Col1 s1 cust no Col2 s1 ccy Col3 s1 account class Col4 S1 ACY OPENING BAL Col5 s2 customer name1 Col6 s2 language Col7 s2 default media Col8 Based on the columns defined under Select and From and Where Clause the system forms the final SQL statement You need to ensure that the final SQL statement is a syntactically correct SQL statement From and Where Clause Specify the remaining part of the selection criterion You need not enter
52. ng options e Open e WIP e Pending with Customer e Close Direct Access Channel The system displays the Direct Access Channel as checked if conversation is initiated from FCDB Direct access channels External System User ID The system displays the system user ID of FCDB 28 ORACLE 5 2 2 Channel User ID The system displays the channel used by FCDB for the conversation Uploading Documents You can upload documents during conversation using Document Upload screen These documents are retrievable to the bank users or customers involved in the conversation To invoke this screen click Documents button in Conversation Input screen Document Upload Document Upload 10f 1 E Document Category Document Type Document Reference Remarks Upload View ET Via You can specify the following details here Document Category Select the appropriate Document Category from the adjoining option list Document Type Select the appropriate Document Type from the adjoining option list Document Reference System displays the document reference number when you upload the document in the server Remarks Provide the additional remarks related to the document to be uploaded Upload Click Upload button to upload the document You can browse through the document path and click Submit to generate the document reference number View Click View button to retrieve and view the
53. ns for the customer Elizabeth ID C038756 with status NPA or worse is 5 Regards lt Bank Name gt This is an auto generated message and does not need any signatures 2 Alert for fixed depositors maturity date intimation where the target type is Customer and Customer Both is Customer Only In order to create this alert you need to maintain the following selection criterion in Alert Selection Criteria screen SELECT s1 cust_ac_no col1 s1 cust_no col2 s1 ccy col3 s1 account class col4 s1 ACY_OPENING_BAL col5 s2 customer namet1 col6 s2 language col7 s2 default media col8 FROM fcubs12ri sttm cust account s1 fcubs12ri sttm customer s2 fcubs12r1 ictm_acc s3 WHERE account class TD01 AND s1 cust no s2 customer no and s1 cust ac no sa acc oa ORACLE Further in Alert Definition screen under Message tab you need to create an alert message as follows Dear 6 FD a c No 1 Kindly note that your fixed deposit bearing account no 1 with an initial deposit of 3 5 is due for maturity on 9 The maturity balance for the deposit is 3 5 Regards lt Bank Name gt This is an auto generated message and does not need any signatures The actual message will be generated as follows Dear John Mathew FD a c No FD00003456 Kindly note that your fixed deposit bearing account no FD00003456 with an initial deposit of USD 1 000 00
54. ollows Date Currency Amount Categorization Class Code sub eres Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank Bill CC 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Car Servicing Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Other Expenses For INR 3 000 he created a new Class Code called Funds Transfer new Sub Class Code called To Akshay and then he re categorized the transaction Date Currency Amount Categorization Class Code Sub Class Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 4 4 ORACLE 10 9 2013 INR 12 000 00 Credit Card CITI Bank CC Bill 12 9 2013 INR 6 000 00 Electricity Bill BESCOM 14 09 2013 INR 5 000 00 Repair amp Car Servicing Maintenance 17 09 2013 INR 2 000 00 Medical Bills 20 09 2013 INR 3 000 00 Funds Trans To Akshay fer 5 Deletion of User Defined Sub Class Code Date Currency Amount Categorization Class Code SUD Glass Code 1 9 2013 INR 40 000 00 Loan Home Loan 8 9 2013 INR 500 Mobile Bill Swisscom Mobile Bill 10 9 2013 INR 12 000 00 Credit Card CITI Bank Bill CC 12 9 2013 INR 6 000 00 Electricity B
55. re of the message This field is enabled only if the alert message is generated for the customer User Message Enter the message to be generated for the bank user or RM The message may contain two types of text viz static and variables The static text will be generated as they are defined here The variable text will vary based on the intended user and the nature of the message AT ORACLE 3 2 4 1 This field is enabled only if the alert message is generated for the bank user Using Variables in Messages You can use certain variables in the alert messages generated for customers and users Few of the variables are given below Variable Description USERID While generating the alert message the system will replace this varia ble with the corresponding user ID from Alert Definition USERNAME While generating the alert message the system will replace this attrib ute with the user name of the corresponding user ID defined in the Alert Definition TODAY While generating the alert message the system will replace this attrib ute with the current system date You can consider the following examples 1 Alert for the bank user about the customers who have more than three loans with statuses other than NORM with an adversity level greater than one In order to create this alert you need to maintain the following selection criterion in Alert Selection Criteria
56. rner of the Application tool bar and click the adjoining arrow button RemindersSummary C Advanced Search 9 Reset Reminder ID Reminder Date Reminder Expiry Date Frequency Target User ID as a Records per page 15 v 10f1 Reminder ID Reminder Subject Reminder Date Reminder Message Reminder Expiry Date Frequency Target You can search for the reminders based on either one or more of the following parameters aji ORACLE e Reminder ID e Reminder Date e Reminder Expiry Date e Reminder Frequency e Target User ID Once you have specified the search parameters click Search button The system will display the following information e Reminder ID e Reminder Subject e Reminder Date e Reminder Message e Frequency e View Days se ORACLE 7 1 7 2 7 2 1 7 Instructions Oracle FLEXCUBE allows its users to convey important information to the end user either by displaying it on the dashboard emailing or sending an SMS You can provide different messages to different users of the same account Consider the following example Ms Cathy s loan payment is overdue for the past six months Mr Thomas from the Loans department maintains an instruction for all Bank users to utilize the credits of Ms Cathy s account towards the loan repayment He also maintains a message for Cathy reminding about the missed loan payment This chapter contains the following sect
57. rous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Oracle Corporation and its affil
58. ry debit entry can be classified under a spend class based on certain attributes held by the transaction Based on the rules defined in the Spend Rule Maintenance screen these attributes decide the classification of a transaction The following entries will be taken up for classification e Debit entries e Entries involving CASA accounts for whom spend analysis tracking is allowed at the account level An entry has the following attributes Field Name Description Spend Class The Spend Class to which the entry transaction is mapped to Source The Source Code of the Internal External System Module The Module encompassing the entry in consideration Transaction Ref The Reference Number of a transaction erence Event Code This would identify the purpose for which the transaction had been triggered Event Code The description of the event code used to identify the purpose of the Description transaction Branch Code The branch from which the entry was triggered Transaction Date The date on which the transaction had occurred Customer The Customer for whom the transaction had occurred Account Number The account number for which the transaction was triggered Amount The amount which was transacted Currency Currency of the above mentioned Amount Additional Infor Additional information about the transaction detailed in the preced mation ing statement narrative which is to be p
59. s case the Oracle FLEXCUBE Direct Banking system and he will be able to view the breakup of all the transactions involving debits from his account using spend analysis facility His transactions only debits from 01 November 2013 to 20 November 2013 involve the following Date Currency Amount Categorization Class Code Sub Class Code 1 11 2013 INR 40 000 00 Loan 8 11 2013 INR 500 Mobile Bill 10 11 2013 INR 12 000 00 Credit Card Bill 20 11 2013 INR 10 000 00 Cash Mr Ajay realized that he has withdrawn cash from an ATM and used it for multiple purposes like Purchasing Medicines Groceries and Pizza Hence he splits the cash transactions into three and assigns to 3 Sub Class Codes created by him N e INR 5000 For Medical Bills e INR 3000 For Groceries e INR 2000 For Pizza For INR 5 000 he has created three new Sub Class Codes called Medical Bills Groceries and Pizza under the Class Code Cash and then he re categorizes the transaction Date Currency Amount Categorization Class Code Sub Clase Code 1 11 2013 INR 40 000 00 Loan z 8 11 2013 INR 500 Mobile Bill 10 11 2013 INR 12 000 00 che Card l e ORACLE 20 11 2013 INR 5 000 00 Cash Medical Bills 20 11 2013 INR 3 000 00 Cash Groceries 20 11 2013 INR 2 000 00 Cash Pizza Classification of Entries Eve
60. s field is not applicable when the Sub Class Code is added to a user defined Class Code by the customer ate ORACLE 4 3 2 Viewing Spend Class Summary You can view a slist of all the class codes created by the bank user and the channel user To invoke this screen type ITSSPCLS in the field at the top right corner of the Application toolbar and click the adjoining arrow button Spend Class Summary Advanced Search Reset Authorization Status Record Status Class Code Description Customer Records per page 15 v Authorization Status Record Status Class Code Description Customer You can search for the spend class records based on one or more of the following parameters Authorization status of the record Class code Customer number Record status Description of the class Once you have set the search parameters click Search button The system displays the spend class maintenance records that match the search criteria 4 4 Spend Rules This section contains the following topics Section 4 4 1 Defining Spend Rules Section 4 4 2 Creating Conditions with Expressions Section 4 4 3 Viewing Customer Spend Analysis Details Section 4 4 4 Reclassification of Spend Classes Section 4 4 5 Deletion of Spend Class Section 4 4 6 Deletion of Sub Class Code Section 4 4 7 Splitting a Transaction 4 4 1 Defining Spend Rules Oracle FLEXCUBE c
61. s such information by email sms or as a message on the user dashboard The alerts can be generated to the customers and bank staff at a regular interval defined in the system Spend Analysis Based on the type of expenditure from the account Oracle FLEX CUBE will classify the debit transactions under different spend classes This classification helps the customer get the details of the money spend from the account under each spend class 2 1 Preferences for Interactions This section contains the following topics e Section 2 1 1 Setting Preferences for Interactions e Section 2 1 2 Conversation Preferences Tab e Section 2 1 3 Spend Analysis Preferences Tab e Section 2 1 4 Viewing Preferences for Interactions ORACLE Setting Preferences for Interactions You can set your preferences for Oracle FLEXCUBE interactions using Interactions Preferences Maintenance screen To invoke this screen type ITDINPRF in the field at the top right corner of the Application toolbar and click the adjoining arrow button interactions Preference E New amp Enter Query Bank code erie EIE Spend Analysis Preferences Stale Period Days n Default User Role Indicator User Default User Role Name 41011 Department User Role Assigned To Role Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details
62. splays the following information e Conversation ID e Subject e Customer Name e Conversation Date e Conversation Mode e Priority ot ORACLE 5 2 4 e Conversation Status e Customer ID e Department e Target Closure Date e Venue e Channel User ID Viewing Conversations on User Dashboard You can view the conversation details through Dashboard Maintenance screen You can invoke this screen by clicking on the Interactions tab available on the main screen Ft Conversation ID Subject Assigned To 0040000035 Debit Cards SHANK 0040000039 Credit Card SHANK 0040000034 Amount debited twice fr SHANK 0040000038 Credit Card SHANK lt gt The conversation dashboard is mapped to the role IT CONV VW The dashboard displays the following information pertaining to the first five conversations e Conversation ID e Subject e Assigned to You can use the arrow buttons on the top right corner of the dashboard to view the next previous set of conversations The system displays the conversation details in the following sequence starting with the oldest conversation 1 Assigned to me and Open Assigned to my role and Open Assigned to me and in WIP status Assigned to my role and in WIP status Assigned to me and in Pending with customer status DO RD Assigned to my role and in Pending with customer status 512 ORACLE 6 1 6 Reminders Oracle FLEXCUBE allows you to configure reminders about importan
63. stance View Days Reminder Subject Reminder Message Direct Access Channel Source Code External System User ID Target User ID Makerld MakerDateStamp You need to specify the following information Reminder ID The system generates and displays Reminder ID It is a unique identifier for the reminder Reminder Date Specify the date when the message needs to be reminded Reminder Expiry Date Specify the expiry date of the reminder oe ORACLE Note If you do not specify the Reminder Expiry Date the system will generate indefinite remind ers at a defined frequency You can stop the reminder only by deleting it Reminder Frequency Specify the frequencies available from the following options e Once e Daily e Weekly e Monthly e Yearly Reminder Instance View Days Specify the number of days for which the reminders should be displayed on the user dashboard The system displays the reminder message on the user dashboard from the reminder date for the number of days specified here Reminder Subject Specify a subject for the reminder Reminder Message Specify the message that needs to be reminded Direct Access Channel The system displays a check in the box if the reminder is created through XML or the customer creates the reminder in Oracle FLEXCUBE Direct Banking FCDB External System User ID The system displays the user id of FCDB Source Code By default the system displays FLEXCUBE as
64. t activities that require attention You can configure reminders for the bank staff and the customers This chapter describes the methods to create view and track reminders in Oracle FLEXCUBE This chapter contains the following sections e Section 6 1 Reminders in Oracle FLEXCUBE e Section 6 2 Create Reminders Reminders in Oracle FLEXCUBE Reminders in Oracle FLEXCUBE are configured based on one of the following frequencies e Once e Daily e Weekly e Monthly e Yearly Reminders due on every day are generated using a scheduler driven batch program scheduled to run every day Consider the following examples Scenario 1 Ms Elizabeth a bank employee needs to make a mutual fund investment payment next week However she is worried about forgetting it She logs into her Oracle FLEXCUBE account and sets up a reminder for next week with the message Need to make mutual fund investment today and saves the reminder Ms Elizabeth logs into her account several times during the week and performs her regular transactions The next week when she logs into her account the reminder message Need to make mutual fund investment today is displayed on her dashboard She makes the payment and dismisses the reminder The message is removed from her dashboard and it is no longer shown Scenario 2 Mr Brown a customer of the bank wants to be reminded of his credit card payment that he have to do on a monthly basis He main
65. t is USD 12 000 Regards Bank Name gt This is an auto generated message and does not need any signatures Viewing Alert Definition Summary You can view a summary of the alerts defined in Oracle FLEXCUBE using Alert Definition Summary screen To invoke this screen type ITSADMNT in the field at the top right corner of the Application toolbar and click the adjoining arrow button C Advanced Search 99 Reset Authorization Status Alert Code Description Frequency i End Date Target Type Records per page 15 v 10f1 Authorization Status Record Status Alert Code Criteria Code Description Effective From Record Status Criteria Code Effective From View Days Customer No Column Position Customer Botn Freguency You can search for the records based on one or more of the following parameters Authorization status of the record Alert code Alert description Freguency of the alert End date Target type Record status Criteria code Effective date View days Customer number column position Customer both 3 11 ORACLE 3 2 6 Once you have set the search parameters click Search button The system displays the records that match the search criteria Double click a record to view the detailed screen of the record Viewing Alert Dashboard Oracle FLEXCUBE generates and displays the user alerts defined for your user profile You can view the user alerts on
66. t tag used Currency Currency of the above mentioned Amount The reversed entry is matched with the original entry by searching spend entries If the entry is found the original entry and reversed entry are uncategorized The process status is updated as Deleted so that the entries are not considered for spend analysis The corresponding entry in spend entry group is also updated If a match for a reversal entry is not found in the original entry then the system applies the normal categorization process based on rules Reversal of Entries for Split Transactions A transaction can be split into multiple amounts and classified into class codes or sub class codes If a transaction has been split already and the user wants to change the splitting of the transaction then the original splitting needs to be reversed completely For example a transaction of USD 11 000 has been split into USD 5 000 USD 4 000 and USD 2 000 After some time the user wants to split the transaction into USD 6 000 USD 3 000 and USD 2 000 then the earlier splitting needs to be reversed and the user can begin splitting the transaction as desired s ORACLE 4 2 4 2 1 If the original transaction has been reversed in UBS then the entire split amounts will be reversed and there will not be any record available against the Class Code or Sub Class Code to which it was assigned Spend Class by a Bank User This section contains the fo
67. tained a reminder with the subject as Credit Card Payment and the reminder message as Pay the credit card bill for this month He has selected the reminder frequency as Monthly and the Reminder date as 4 March 2012 Hence the system will generate all the reminders due for 4 of every month 2012 Starting from March on 4 of every month a reminder is displayed on his dashboard reminding him about his credit card bill payment References to reminder date in the example are with respect to the system date of the database where the reminder is stored The system removes the dismissed reminders from the dashboard and they are no longer displayed The system archives both the dismissed and expired reminders However you can Gl ORACLE modify and save the expired and already processed reminders By default all the maintained reminders are auto authorized 6 2 Create Reminders This section contains the following topics e Section 6 2 1 Creating Reminders e Section 6 2 2 Viewing Reminders on User Dashboard e Section 6 2 3 Viewing Reminders Summary 6 2 1 Creating Reminders You can create a reminder using the Reminders screen To invoke this screen type TTDREMND in the field at the top right corner of the Application tool bar and click the adjoining arrow button Reminders E New E3 Enter Query Reminder ID Reminder Date _ Reminder Expiry Date Frequency Once Reminder In
68. the customer and the direct relationship manager e Customer and Full RM Hierarchy if you select this the system generates the alert to the customer and the full relationship manager hierarchy e RM Direct Only if you select this the system generates the alert to the direct relationship manager alone e RM Full Hierarchy Only if you select this the system generates the alert to the full relationship manager hierarchy You can select one of the above options only for the target types Customer and Both Customer No Column Position Specify the position of the customer number column in the SQL statement If you have selected the target type as Customer or Both it is mandatory to specify the customer number column position Bank User Type Specify the bank user type to receive the alert message The drop down list displays the following user types e Role e UserID Choose the appropriate one This is applicable only if the target type is Bank User Target ID Specify the target ID If the Bank User Type is Role you need to specify the particular user role If the Bank User Type is User ID you need to specify the respective user ID You can choose the appropriate target ID from the option list The alert message will be generated to the target IDs selected here Description The system displays the description of the selected target ID You can add more bank user types by clicking
69. the add button You can also delete a bank user type using delete button ae ORACLE 3 2 4 Message Tab You can capture the details of the message to be sent to the customers and users under Message tab Click Message tab Alert Definition E New E Enter Query Alert Code Description Criteria Code Final SQL Statement Preferences Targets IETS Messages 1 Of 1 E Channel Language Subject Customer Message User Message EH Dashboard Maker Date Time Mod No Checker Record Status Date Time Authorization Status You can capture the following details under this tab Channel Specify the mode of message delivery The drop down list displays the following channels e Dashboard applicable to bank users only e Email applicable to customers only e SMS applicable to customers only Choose the appropriate one The alert message is delivered to the customer bank user by the mode specified here Language Specify the language of the alert message The option list displays all valid languages that are applicable Choose the appropriate one Subject Specify a subject that is significant to the alert message to be generated Customer Message Enter the message to be generated for the customer The message may contain two types of text viz static and variables The static text will be generated as they are defined here The variable text will vary based on the intended customer and the natu
70. the rule threshold value This is the threshold value for the negative points accumulated for a rule ID to lower its priority by a notch Oracle FLEXCUBE classifies debit transactions under different spend classes based on the spend rules maintained If a transaction is reclassified under a different spend class the es ORACLE system applies negative points to the Rule ID Once the accumulated negative points exceeds the rule threshold value specified here the system lowers the priority of the rule by a notch Once you have captured the above details save the preferences Viewing Preferences for Interactions You can view the preferences set for Oracle FLEXCUBE interactions using Interactions Pref Summary screen To invoke this screen type ITSINPRF in the field at the top right corner of the Application toolbar and click the adjoining arrow button Interaction Preferences Summary C Advanced Search Reset Authorization Status Record Status Bank code id Records per page 15 v 10f1 Authorization Status Record Status Bank code Default User Role Indicator Stale Period Archival Period In the above screen you can base your queries on any or all of the following parameters and fetch records e Authorization Status e Bank Code e Record Status Select any or all of the above parameters for a guery and click Search button System displays the records meeting the selected criteria e Authorization Status
71. tment sees this in his dashboard and takes up the conversation and figures out the problem and takes steps to resolve the issue and credits back the 200 to Mrs Catherine s account Jones close the conversation and gives the closure remarks 200 debited extra amount has been credited back to the Account The bank is extremely sorry for the inconvenience caused and will take all steps to ensure that this does not happen again Field Name Value ORACLE Conversation Details Problem occurred due to faulty EOD batch STBACC maintenance Corrected the batch Conversation Status W C Assigned to ACCDEPT ROLE Account Depart ment JONES JONES 14 FEB 2012 15 01 Assigned to HELPDESK Help Desk ACCDEPT_ROLE Account Department HELPDSK 14 FEB 2012 14 30 200 has been debited twice from 0008341002 HELPDSK Help Desk 12 FEB 2012 14 30 Closure Remarks Y tomer Display Closure Remarks to Cus 200 debited extra amount has been credited back to the Account The bank is extremely sorry for the inconvenience caused and will take all steps to ensure that this does not happen again Step 5 Mrs Catherine logs into her online account later and sees that her account balance has increased by 200 and the closure remarks message in her inbox Example 2 Step 1 Mr John has compliant regarding amount deducted from his current account Assuming that it was an extra EMI deducted for a lo
72. uploaded document System stores the uploaded documents in the server as a binary image in the Web Content Management Repository The bank users and customers will be able to retrieve these documents and documents related information during conversation enquiries a0 ORACLE 5 2 3 Viewing Conversation Summary You can view the summary of all conversation created in Oracle FLEXCUBE using the Conversations Summary screen To invoke this screen type ITSINTRN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Conversation Capture Summary ct Advanced Search 5 Reset Authorization Status Record Status Conversation ID z Customer Name Conversation Date Conversation Mode Priority Conversation Status Customer ID Department Target Closure Date Venue Channel User ID Records per page 15 v 10f1 Fri Authorization Status Record Status Conversation ID Subject Customer Name Conversation Date Conversation You can search for the conversations based on one or more of the following parameters e Authorization Status e Record Status e Conversation ID e Customer Name e Conversation Date e Conversation Mode e Priority e Conversation Status e Customer ID e Department e Target Closure Date e Venue e Channel User ID Once you have set the search parameters click the Search button The summary screen di
73. versation Status O W Assigned to TD_ROLE COLLIN HELPDESK 11 2 2012 1 35 TAYLOR 11 2 2012 3 45 Assigned to HELPDESK Help Desk TD ROLE HELPDESK Help Desk 11 2 2012 1 35 Provide details about product TD04 HELPDSK Q07 FEB 2012 13 29 Step 4 Mr Collin then responds to Mr Mark with all the details of Term Deposit product Field Name Value FS ORACLE 5 2 Conversation Details Providing details Conversation Status W R Assigned to TD ROLE COLLIN COLLIN 15 2 2012 20 43 Mr Collin Please clarify the customer with the required details Conversation Status O W Assigned to TD ROLE COLLIN TAYLOR 11 2 2012 3 45 Assigned to HELPDESK Help Desk TD ROLE HELPDESK 11 2 2012 1 35 Provide details about product TDO4 HELPDSK 07 FEB 201 2 13 29 Closure Remarks Y Display Closure Remarks to Cus Product Name TD04 tomer Rate of Interest 10 Redemption period 5 years Create Conversations This section contains the following topics Section 5 2 1 Creating Conversations Section 5 2 2 Uploading Documents Section 5 2 3 Viewing Conversation Summary Section 5 2 4 Viewing Conversations on User Dashboard Se ORACLE 5 2 1 Creating Conversations You can create conversations using the Conversation Input screen To invoke this screen type ITDINTRN in the field at the top right corner of the Application tool bar and clicking the
74. wing results from the drop down list e True e False If a debit entry satisfies the condition and result the system will classify that entry under the spend class mapped to the rule Class Code Specify the class code to which you need to map the spend rule The option list displays all the system defined spend class codes maintained in the system Choose the appropriate one is ORACLE 4 4 2 Description The system displays the description of the spend class Negative Points The system displays the negative points that the rule sequence has The system displays zero as the default value when you define the rule The system adds a negative score only when an entry classified based on this condition is reclassified later under a different system defined spend class When the negative points accumulated by a rule exceed a threshold limit set at Interactions Preferences the system brings down the priority of the rule The system considers the priority of a rule while classifying transactions As the rule priority goes down the system is less likely to consider the rule while classifying transactions Sub Class Code Select the sub class code from the adjoining option list All bank defined sub class codes as maintained in the system are displayed here Description The description of the sub class code is defaulted Creating Conditions with Expressions You can build the conditions with expressions for the spend rule

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