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Relationship Pricing User Manual

1. Relation Code d Relation Name 28 FATHER N l 18 MOTHER I N Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized O cancel O amend O authorize O Inquiry Field Description Field Name Description Relation Code Mandatory Pick List Select the relationship code from the pick list It is a unique code assigned to the relationship Relation Name Display This field displays the name of the relationship corresponding to the relationship code Column Name Description Relationship Code Display This column displays the unique code assigned to the relationship Relationship Name Display This column displays the name of the relationship corresponding to the relationship code 80 ORACLE CIM51 Customer Group Definition Maintenance Column Name Description Delete Toggle Click the toggle status to Y to delete the record The default value for the toggle status is N Allowed Customer to Account Relations r Group Definition Maintenance Customer Group Code Custi Customer Group Name RA aan IO Allowed Customer to Customer Relations Allowed Customer to Account Relations Relation Code 14 JER Relation Name BROTHER IN pss pese 28 FATHER 13 MOTHER I Iz jiz Record Details I By Authorized By Last Mnt Date Last Mnt Action Authorized
2. For e g A variance of 1 00 on credit interest would mean that the eligible customer will get 1 in addition to the rate maintained in the Loan Product Rates Plan option 38 ORACLE RP004 Interest Variance Package Maintenance Column Name Description Rule Optional Pick List Select the appropriate rule from the pick list If a bank wants to set up additional criteria s or variances for the interest component it can be set up here as a rule The rules will be defined in Rules Maintenance option Note 1 User will be able to set up either variance rate or a variance rule Note 2 Loans interest variance Package is for future use Current version does not support Relationship pricing for Loans products 8 Click the Ok button 9 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the Ok button 10 The interest variance package details are added once the record is authorised 39 ORACLE RP003 Benefit Plan Maintenance 1 5 RP003 Benefit Plan Maintenance Using this option you can link various products to the interest variance packages and SC packages created for Relationship Pricing Once a scheme is linked to the customer his her accounts belonging under the products defined in benefit plan will get the benefits defined in the interest variance package or SC package The benefit plan consists of various interest rate variance and service charge pa
3. Interest Variance Package Maintenance Package Code PA Package Name variance Package Type CASA Interest Y Deviation Rule E CASA Interest I CASACRINT 12 CASATODINT 13 CASAOVLINT l CASAODINT ji CASACHQPURINT CASARDCRINT CASARDPREMATINT CASARDPENINT l Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized 22 MEE paid HW al RT Gere ini ac Field Description Column Name Description Interest Type Display This field displays the interest type based on the package type selected If the package type selected is CASA Interest then the interest types are e Credit Interest e TOD Interest e Over Line Interest e OD Interest e Cheque Purchase e RD Credit Interest e RD Premature Penalty Interest e RD Penalty Interest The CASA Interest tab is enabled if the interest type selected is 35 ORACLE RP004 Interest Variance Package Maintenance Column Name Description CASA Interest Variance Optional Numeric Three Two Type the variance The bank can maintain an absolute rate that will be applied on the interest component It can be positive or a negative rate For e g A variance of 1 00 on credit interest would mean that the eligible customer will get 1 in addition to the rate maintained in the CASA Product Master Maintenance Fast Path CHMO1 option and the account level variance given to a customers account Rule Optional Pick
4. and if total average balance of FCC FCR is gt 100 bio then customer will get interest benefit of 0 25 to the OD as well as FCC accounts Approach Step FCC will be sending a file which will contain customer ID product code account number and Principal outstanding balance of the customer Step Il A UDE will be defined to capture the total average balance FCC FCR accounts Step III Using the Rules Definition Master Maintenance Fast Path RL002 option rules will be defined in the following manner If the total average balance of FCC FCR is gt 100 Bio and LOB is Corporate then give the interest benefit as 0 25 to the OD account Step III Interest variance package will be defined for CASA account in the Interest Variance Package Maintenance Fast Path RP004 option Step IV Benefit plan defined in step III will be linked to a scheme through the Scheme Definition Master Maintenance Fast Path RP001 option Scheme will have a start and end date In the Customer Scheme Linkage Fast Path RP011 option the user can see the eligible Customers and the Accounts The scheme can be stamped manually for the eligible customers Alternatively the benefits can be awarded automatically 99 ORACLE Examples for Relationship Pricing Step V In the Eligibility Criteria Maintenance Fast Path RP002 the customers to whom the scheme is to be offered can be identified Example Rule should exclude customers whose CRR
5. e Days e Months e Years Mandatory Drop Down Select the validity type from the drop down list The options are e Perpetual Once applied to the customer the benefits will be available to the customer even if he falls out of eligibility later e Renewable These schemes will always check the eligibility and if a customer falls out of eligibility the benefits will be expired The benefits will be given again if the customer becomes eligible again e One Time These schemes will apply to the customer only till the time he is eligible as per the eligibility criteria If he falls out of eligibility the benefits will be expired and he will not get the benefits of the scheme again All the rules pertaining to validity type are applicable if the scheme is linked via eligibility criteria and not directly to the customer In case of direct linking of scheme to the customer the scheme will behave as perpetual 48 ORACLE Applicability Apply For Automatic Manual RP001 Scheme Definition Maintenance Mandatory Drop Down Select the appropriate option for applicability of scheme from the drop down list This will enable the bank to determine for a given set of customers what are the set of accounts on which the benefits specified in the benefit plan has to be applied to The options are e New Accounts e All Accounts e Existing Accounts Mandatory Drop Down Select the type of applicability from th
6. Alphanumeric One This field allows the where clause to have open braces The user can enter the open bracket for the clause Optional Pick List Select the column name on which the query is to be executed from the pick list The system validates either UDE or COLUMN or CONSTANT field Conditional Drop Down Select the operators used to match a condition from the drop down list The system validates either UDE or COLUMN or CONSTANT field The options are e isless than e isless than or Equal to e is greater than e is greater than or Equal to e is equal to e is not equal to Conditional Pick List Select the appropriate UDE from the pick list Various UDE values are available for selection to the user The UDE selected is used as a part of condition Conditional Alpghanumeric 120 Type the value which is to be compared as criteria 10 ORACLE Column Name COLUMN Del Query Errors RLOO1 UDE Master Maintenance Description Conditional Pick List Select the column name on which the query is to be executed from the pick list The system validates either UDE or COLUMN or CONSTANT field Mandatory Alphanumeric One This field allows the where clause to have close braces The user can enter the close bracket for the clause Toggle Click the toggle status to Y to delete the query The default value is N Display This field displays the query that is executed
7. Applicability Details Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Column Name Description SNo Display This column displays the sequential serial number This field is auto generated Schm Code Mandatory Pick List Select the identification code of the scheme from the pick list Elig Plan Display This column displays the eligibility plan code based on which the scheme is applied to the customer The eligibility plan code will not display a value if the scheme is linked directly through the Customer Scheme Linkage option 70 ORACLE Column Name Benef Strt Dat Benef End Dat Curr State New State Reason Text RP011 Customer Scheme Linkage Description Mandatory Pick List dd mm yyyy Select the start date when the scheme was applied on the account from the pick list If the scheme was set with a manual override option then the date on which acceptance was stamped on the customer will be displayed Display This column displays the end date of the benefits The end date is derived from the Benefit valid for field in the scheme definition Display This column displays the current status of the scheme for the customer The options are e Expired Benefits or eligibility expired before the customer accepted the scheme e Delinked The scheme is delinked before the benefits expire e Awai
8. RLOO1 UDE Master Maintenance Example 02 Expressions An expression can be setup to get the following Sum of Credits Sum of Debits 2 In this UDE following things are used 1 Existing UDEs i e Sum of Credits and Sum of Debits 2 Aconstant value i e 2 3 Brackets 4 Mathematical operators i e 20 ORACLE RLOO2 Rule Definition Master Maintenance 1 2 RL002 Rule Definition Master Maintenance Using this option you can create rules Using these rules bank can create any kind of conditional offering to their customers Multiple conditions can be set in a single rule ID The rules created can be used at appropriate places in the system to calculate interest rates service charges etc Definition Prerequisites e RL001 UDE Master Maintenance Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add a rule 1 Type the fast path RLOO2 and click Go or navigate through the menus to Global Definitions gt Rules gt Rule Definition Master Maintenance 2 The system displays the Rule Definition Master Maintenance screen Rule Definition Master Maintenance Rule Definition Master Maintenance pulaxcodae i vetonine C Rule Name RuleContext RuleReturnType Rule Inquiry Rule Docurnent Record Details By Authorized By Last Mnt Date Last M
9. 81 ORACLE Field Description Field Name CIM51 Customer Group Definition Maintenance Description Customer To Account Relation Mandatory Drop Down Select the appropriate relationship from the drop down list The options are e AUS e BOR e DEV e GUA e JAF etc Once a relationship name is chosen from the drop down list and the user clicks on button a row gets added to the grid showing the chosen relationship Column Name Description Allowed Customer Display Uae This column displays the customer to account relation selected in aceon the Customer To Account Relation field Delete Toggle Click the toggle status to Y to delete the record The default value for the toggle status is N 8 Click the Ok button 9 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the OK button 10 The customer group details are added once the record is authorised 82 ORACLE CIM52 Customer Group Inquiry Applicable Customer Groups 1 13 CIM52 Customer Group Inquiry Applicable Customer Groups Using this option you can inquire as to which group a customer belongs to and which other related customers and their accounts are present as part of the group The information about which group does a customer belong to is derived from the customer group Definition Prerequisites e CIM51 Customer Group Definition Maintenance Modes Available Not Applicable To view
10. FATHER 600091 JOHN SMITH 000000002295 1 FATHER 600091 JOHN SMITH 1000000004598 FATHER 600091 JOHN SMITH 000000033118 FATHER 600091 JOHN SMITH 000000033159 JOHN SMITH FATHER 600091 JOHN SMITH 000000033399 FATHER 600091 JOHN SMITH 000000033407 FATHER 600091 JOHN SMITH 000000033456 FATHER 600091 JOHN SMITH 000000033753 T FATHER 600091 JOHN SMITH 000000034504 b Pl Sait pestes mesa a 5 Double click on the Customer Group link 6 The system displays the customer group details in the relevant tabs 85 ORACLE CIM52 Customer Group Inquiry Applicable Customer Groups Applicable Customer Groups Search Criteria Customer Id Search String Customer ID 600007 Full Name RIAZ AKHTAR a Applicable Customer Gro Related Customers Accounts Automation MyGroup Field Description Column Name Description Customer Group Display This column displays the name assigned to the customer group to which the selected customer belongs 86 ORACLE CIM52 Customer Group Inquiry Applicable Customer Groups Related Customers Accounts Customer Group Inquiry Applicable Customer Groups Search Criteria Customer Id x Search String 600007 Customer ID 600007 Full Name RIAZ AKHTAR Applicable Customer Groups Related Customers Accounts n FATHER 600091 JOHN SMITH 000000002295
11. The query is displayed once the Show Query button is clicked Display This field displays the errors if any on execution of the query The system displays the query validation result once the Validate Query button is clicked Note For a database function as it is already compiled and ready no error message will be displayed 11 ORACLE RLOO1 UDE Master Maintenance Function UDE Master Maintenance UDE Code UD O1 Version UDE Name mASTER UDE Type Database Function UDE Context BIL E UDE Domain List v UDE Data Type Function Name FN_UDE_isc su ael VAR PI COD CUST ID I IPCUSTID l Show Query Validate Query _ Record Details Input By Authorized By Last Mnt Date Field Description Field Name Description Function Name Mandatory Pick List Select the database function associated with the UDE from the pick list Column Name Description Display This field displays the serial number of the function parameter This field is auto generated by the system Parameter Name Mandatory Drop Down Select the name of the function parameter from the drop down list 12 ORACLE RLOO1 UDE Master Maintenance Column Name Description UDE Conditional Pick List Select the UDE code assigned to the function parameter from the pick list The system validates either UDE or CONSTANT field Constant Conditio
12. displayed The user will be able to maintain interest variance for all the interest types falling under each module Definition Prerequisites e RLOO2 Rule Definition Master Maintenance Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add the interest variance package details 1 Type the fast path RP004 and click Go or navigate through the menus to Global Definitions gt Relationship Pricing gt Interest Variance Package Maintenance 2 The system displays the Interest Variance Package Maintenance screen Interest Variance Package Maintenance Interest Variance Package Maintenance Package Code EJ package Name Package Type Deviation Rule CASA Interest TD Interest Loan Interest Record Details O Amend O authorize inquiry 32 ORACLE Field Description Field Name RP004 Interest Variance Package Maintenance Description Package Code Package Name Package Type Deviation Rule Do pip p Mandatory Alphanumeric 16 Type the identification assigned to the package defined Mandatory Alphanumeric 80 Type the interest package name Mandatory Drop Down Select the package type from the drop down list This denotes the module for which the interest package is being defined The options are e CASA Interest e Loans Inter
13. n FATHER 600091 JOHN SMITH 000000004598 n FATHER 600091 JOHN SMITH 000000033118 n FATHER 600091 000000033159 T1 FATHI ER 600091 0000 10 n FATHER 600091 000000033399 n FATHER 600091 JOHN SMITH 000000033407 n FATHER 600091 JOHN SMITH 000000033456 n FATHER 600091 JOHN SMITH 000000033753 me FATHER 600091 JOHN SMITH 000000034504 i pu l Field Description Column Name coe Ee 99 i o Description Customer Group Relation Customer ID Customer Name Account No Display This column displays the customer group Display This column displays the relation of the selected customer to the displayed customer Display This column displays the identification code of the customer related to the selected customer Display This column displays the name of the customer related to the selected customer Display This column displays the account number of the customer 7 Click the Close button 87 ORACLE CH067 CASA Interest Inquiry 1 14 CH067 CASA Interest Inquiry Using this option you can view the complete history of interest calculated on a CASA account and the details of the rules applied to it As a part of relationship pricing the bank may provide rule based variances for the CASA interest Definition Prerequisites e 8051 CASA Account Opening e RLOO2 Rule Definition Master Maintenance e CASA accounts to have interest applied Modes Available Not Applicabl
14. rule evaluation Display This column displays the net rate applicable on the CASA account 92 ORACLE CH067 CASA Interest Inquiry Column Name Description Final Value Display This column displays the final value after the rule evaluation 8 Click the Close button 93 ORACLE Examples for Relationship Pricing 2 Examples for Relationship Pricing 94 ORACLE Examples for Relationship Pricing Processing for different examples of Relationship Pricing Scenario The CRR Collectability of the account or customer can be a parameter for defining rules According to the account CRR or customer CRR the customer can be either selected or excluded for RP benefits Scheme Details Customer has an account in Product X Loan Product in FCR Average balance of the loan account during the month is to be greater than 100 mio The CRR of the customer is to be equal to 10 and the LOB code of the customer is SMEC In this case the benefit to be given is that the OD account in product Z in FCR will get interest variance of 0 50 Loan in Product Loan in Product Y OD in CRR of the ProductZ customer Approach Step UDE Maintenance A UDE will be defined to capture average monthly balance of CASA OD and loan account in FCR A UDE will also be defined to store the value of CRR of the customer UDE will also be defined to store the value of LOB code of the customer Step Il Rules Maintenance In the Rules
15. the customer group details 1 Type the fast path CIM52 and click Go or navigate through the menus to Transaction Processing gt Customer Transactions gt Customer Group Inquiry Applicable Customer Groups 2 The system displays the Customer Group Inquiry Applicable Customer Groups Screen Customer Group Inquiry Applicable Customer Groups ustomer Group Inquiry Applicable Customer Groups EJ Search Criteria Customer Short Name vl Search String Customer ID Full Name Applicable Customer Groups Related Customers Accounts lo jm 83 ORACLE Field Description Field Name CIM52 Customer Group Inquiry Applicable Customer Groups Description Search Criteria Search String Customer ID Full Name Mandatory Drop Down Select the search criteria to search for the customer from the drop down list The options are e Customer short name The short name of the customer e Customer IC The identification criteria IC arrived at by the bank during customer addition e Customer ID The unique identification given by the bank Mandatory Alphanumeric 20 Type the search string to search for a customer corresponding to the search criteria selected in the Search Criteria field If the search criterion is specified as customers short name or IC then any letter of the short name or IC can be entered The system displays the pick list of all t
16. v TEST_1 test Vv l1 n Eg Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Amend Authorize Inquiry 58 ORACLE RP015 Eligibility Debug Maintenance Field Description Column Name Description Eligibility Plan Display Code This column displays the unique identification code assigned to the eligibility plan Eligibility Plan Display Name This column displays the name of the eligibility plan corresponding to the eligibility plan code Debug Optional Check Box Select the Debug check box to debug the eligibility plan 3 Click the Modify button 4 Select the Debug check box corresponding to the eligibility plan to be debugged Eligibility Debug Maintenance Eligibility Debug Maintenance 111 RP_Test v 12 1 m PLAN_FOR_MARRIED Plan for Married Individuals v 7 CUST STATE AND ZIP STATEPINELIG2 STATE AND PIN ELIG 2 v TEST 1 test iv 1 Jala Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Add Modify Delete Cancel Amend Authorize Inquiry 59 ORACLE RP015 Eligibility Debug Maintenance Click the Ok button The system displays the message Authorisation Required Do you want to continue Click the OK button The system displays the Authorization Reason screen Enter the required information and click the Grant button The system displays the message Records successfully updated Click
17. will be an alphanumeric code denoting various schemes Scheme Name Mandatory Alphanumeric 60 Type the name of the scheme defined For e g Bank can set up schemes like e High Net worth Scheme e Senior Citizens Scheme e Ordinary Relationship Package 45 ORACLE RPOO1 Scheme Definition Maintenance 3 Click the Add button 4 Enter the scheme ID and press the lt Tab gt key 5 Enter the scheme name and press the Tab key Scheme Definition Maintenance I S5 B Scheme ID scuo1 Scheme Name Scheme Scheme Parameters Benefit Components Validity Start Date 0170171800 Ea End Date 01 01 1800 Ea Benefit valid For L x validity Type Applicability Apply For Automati Manual x Record Details fe By Authorized By Last Mnt Date Last Mnt Action Authorized Add O modifs O Delet Ocan O Amana O Authoris O 1nqui ok cese cte 6 Enter the required information in the various tabs 46 ORACLE RP001 Scheme Definition Maintenance Scheme Parameters Scheme Definition Maintenance Scheme ID senor Scheme Name Schemet e Scheme Parameters Benefit Components Validity Start Date borzo S End Date ooi 20 0 RE Benefit Valid For 2 bas E validity Type Renewable _ _ Applicability Apply For Existing Accounts Autornatic M
18. 0 then Interest rate for CASA product 601 0 25 If total credit balance of the customer is gt 20000 then Interest rate for CASA product 601 0 25 and Int rate for TD 0 10 If total Debit balance of the customer is gt 10000 then interest rate for OD is 0 25 If total Debit balance of the customer is gt 20000 then interest rate for OD is 0 50 and free 1 cheque book 96 ORACLE Examples for Relationship Pricing Same way the benefits will be given to only those accounts whose CRR gt 10 Rule should also exclude the Savings balance i e product 602 Customer CASA 601 Savings TD CRR 602 Customer A Total credit balance 21000 6000 15000 Customer A Total debit balance 7000 Customer A will get interest rate for CASA as 0 25 Customer A will not get interest benefit for OD account Customer B Total Credit Balance 10000 Customer B will not get any interest benefit Customer B Total Debit balance 0 since CRR 20 Customer C Total credit balance 22000 Hence he will get interest benefit for CASA interest variance of 0 25 and for TD as interest variance of 0 10 Customer C Total Debit balance 10 000 hence he will get interest benefit for OD as 0 25 Approach Step UDE Maintenance A UDE will be defined to capture the total credit balance of the customer Another UDE will be defined to capture total debit balance of the customer A UDE A1 will be defined to store the SC amou
19. Definition Maintenance Fast Path RL002 option and using the above defined UDE define a rule for CASA OD interest Select rule return type as Interest variance Rule will be defined in the following manner IF Average Balance is 100 mio and LOB SMEC and CRR is 10 then add interest 0 50 to base interest rate 95 ORACLE Examples for Relationship Pricing Step Ill Interest Variance Package Interest variance package will be defined for CASA OD account in the Interest Variance Package Maintenance Fast Path RP004 option Interest Variance package will be created for CASA module The Benefit plan maintenance consists of different packages which are context specific For CASA TD or SC At one time only one Plan Type i e CASA TD SC can be selected Under the benefit plan maintenance the user can select as to for which product the benefits are to be given would be very useful for product promotion In RP004 the user can define Interest Packages for CASA for Credit Interest TOD and OL Then in the Benefit Plan Maintenance when the user selects CASA as the context he can attach the previously defined Interest Packages to one or more CASA Products This will form a CASA benefit plan Step IV Benefit plan defined in step III has to be linked to a scheme through the Scheme Definition Master Maintenance Fast Path RP001 Scheme will have a start and end date In the Customer Scheme Linkage Fast Path RPO11 option t
20. IMO9 option and GEFU upload It is possible to define any number of RVT types and associate any number of values which that particular type can have For e g a RVT Type can be Customer Loyalty Code and can have a possible values as Platinum Gold Silver and Blue Definition Prerequisites Not Applicable Mode Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add the RVT details 1 Type the fast path CIM50 and click Go or navigate through the menus to Global Definitions Customer Relationship Value Tag Definition 2 The system displays the Relationship Value Tag Definition screen Relationship Value Tag Definition Relationship Value Tag Definition RVT Type Code m Relationship Value Tag Type Name _ LS gt I eU UTEM Record Details By Oadd O cancel O amend O Authorize 74 ORACLE CIM50 Relationship Value Tag Definition Field Description Field Name Description RVT Type Code Mandatory Alphanumeric 20 Type the code assigned to the RVT type Relationship Value Mandatory Alphanumeric 120 Tag Type Name Type the name of the relationship value tag Column Name Description RVT Code Mandatory Alphanumeric 20 Type the code assigned to the relationship value tag RVT Mandatory Alphanumeric 120 Type the description of the relationsh
21. List Select the appropriate rule from the pick list If a bank wants to set up additional criteria s or variances for the interest component it can be set up here as a rule The rules will be defined in the Rules Maintenance option Note User will be able to set up either variance rate or a variance rule TD Interest Interest Variance Package Maintenance Package Code Package Name Variance Package Type TD Interest Deviation Rule on ii TD Interest IDREGINT TDPENINT IDPMIINT Record Details InputBy Authorized By Last Mnt Date Last Mnt Action Authorized O Delete O cancel O Amend O authorize O Inquiry 36 ORACLE RP004 Interest Variance Package Maintenance Field Description Column Name Description Interest Type Display This field displays the interest type based on the package type selected If the package type selected is TD Interest then the interest types are e Regular Interest e Penalty for premature closure e Post Maturity Interest The TD Interest tab is enabled if the interest type selected is TD Interest Variance Optional Numeric Three Two Type the variance The bank can maintain an absolute rate that will be applied on the interest component It can be a positive variance or a negative variance For e g A variance of 1 00 on credit interest would mean that the eligible customer will get 1 in addition
22. Oracle FLEXCUBE Relationship Pricing User Manual Release 4 5 0 0 0 Part No E52127 01 ORACLE FINANCIAL SERVICES ORACLE Relationship Pricing User Manual Table of Contents index 1 Relation Sip Pricing e 3 143 RLOQ1 UDE Master MainfertBnicg eccesso iieri rti ettam rr enda rta tne dentata 4 1 2 RL002 Rule Definition Master Maintenance usui corem eri eter riri ecce 21 1 2 RLOTO Rule Debug Kialnteriehipi uccisi ee eot ree meo eiaa eet 29 1 4 RP004 Interest Variance Package Maintenance eeeeeseeeeeeeeeennes 32 1 5 HPO03 Benefit Plan WSEAS uccisi cce et reto nee eerte eot cei tr correr etra ec 40 1 6 BPUO1 Scheme Definition Maintehglge issiria nna 44 1 7 BPUOZ Eligibility Criteria MalitelalQ amp s seccescteccce inier anrai Dg 1 8 RPO15 Eligibility Debug Maintenant E sssrin 58 1 9 RPOTO Eligibility Scie iris LIS kerunsingan adviteetsonlendanueets sented ae 61 1 30 RPO Customer sehsms Linkage asas i a ph een ea a raa s te a PD anid ies 66 1 11 GIMBO Relationship Value Tag Definition sirsie 74 1 12 CIM51 Customer Group Definition Maintenance ssssessseesenneene 77 1 13 CIM52 Customer Group Inquiry Applicable Customer Groups ssssss 83 12442 GRIDS CASA Interesi UV iissiess cece EP pe uada cia bna TER E PD a ra Rei 88 2 Examples for Relationship Pricing 12 i e eecuiee eere en
23. QL command using columns in the selected table The result fetched on execution of the SQL command would be the UDE output and would be utilized for rule definition e Database Function This option contains the list of stored functions which are written for setting up the user defined entity You can select the stored function from the pick list The stored functions follow a standard naming convention to facilitate a small subset of functions available for UDE definition Once a stored function is selected the maintenance displays all the parameters of the function which can be mapped to another existing UDE or an absolute value to arrive at the required output For more information refer to Example 01 provided at the end of this option e Expression An expression allows you to relate existing UDEs to define an output Expression can be built using the following 1 Existing UDE 2 Constant Values 3 Brackets to group certain conditions 4 Mathematical operators MOD Trunc Round Abs For more information refer to Example 02 provided at the end of the topic e Transactional It is equivalent to System Data elements These fields are available as part of a particular context For example Transaction amount will always be available as part of Online SC calculation and will not be required or available for interest computation So a transactional UDE called Transaction amount in Transaction currency will become a trans
24. Search Criteria Customer Short Name Search String CustomerID soc Full Name Gautam Kamath 4 Remarks Record Details Input By Authorized By Last Mnt Date Last Mnt Action Field Description Column Name Description Scheme Code Display This column displays the identification code of the scheme Benefit Plan Display Type This column displays the type of the benefit plan in the scheme 72 ORACLE RP011 Customer Scheme Linkage Column Name Description Benefit Plan Display Name This column displays the name of the benefit plan applicable to the account Package Name Display This column displays the name of the respective package interest SC applied to the account Account Display Number 10 This column displays the account number of the customer receiving the benefit under this scheme The system displays the list of the accounts affected by the scheme Click the Ok button The system displays the message Record Modified Authorisation pending Click Ok to Continue Click the OK button The customer scheme linkage details are modified once the record is authorised 73 ORACLE CIM50 Relationship Value Tag Definition 1 11 CIM50 Relationship Value Tag Definition RVT is a code associated to a customer categorizing his relationship with the bank RVT codes will be linked to a customer through the Customer Master Maintenance Fast Path C
25. actional UDE for Online SC Context UDE Mandatory Pick List Context Select the UDE context from the pick list It denotes the context and the place where the rules are linked to the UDE 6 ORACLE RLOO1 UDE Master Maintenance Field Description Name UDE Mandatory Drop Down Doman Select the domain of the UDE from the drop down list The options are e None e Query e List UDE Display i This field displays the data type of the UDE The options are e STRING e NUMERIC e BOOLEAN e DATE 3 Click the Add button 4 Enter the UDE code and name 5 Select the UDE type and domain from the drop down list 6 Select the UDE context from the pick list 7 ORACLE RLOO1 UDE Master Maintenance UDE Master Maintenance UDE Code Up 01 Version UDE Name UDE Type Table Column m UDE Context E UDE Domain List x UDE Data Type 00 Table Column Function Expression Transactionai D Query Domain List SELECT FROM table Lud Column i IF NULL THEN RETURN J L 1 LJ shew Query Validate Query Query Errors Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized ok J eese ce 7 Depending on the UDE type and domain selected from the drop down list the respective tabs are enabled 8 Enter the required information in the variou
26. ails Im By Authorized By Last Mnt Date Last Mnt Action Authorized O modify O Delet 10 Click the Ok button 11 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the OK button 12 The eligibility criteria details are added once the record is authorised 57 ORACLE RP015 Eligibility Debug Maintenance 1 8 RP015 Eligibility Debug Maintenance Using this option you can enable or disable logging of evaluation details for particular eligibility criteria in the database If the debug value is set for particular eligibility criteria the values of each UDE evaluated for each customer for this eligibility criteria will be logged in database This option does not require any authorisation Definition Prerequisites e RP002 Eligibility Criteria Maintenance Modes Available Modify Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To modify the eligibility debug details 1 Type the fast path RP015 and click Go or navigate through the menus to Global Definitions gt Relationship Pricing gt Eligibility Debug Maintenance 2 The system displays the Eligibility Debug Maintenance screen Eligibility Debug Maintenance Eligibility Debug Maintenance 111 RP Test lv 12 1 iv PLAN FOR MARRIED Plan For Married Individuals v STATEANDZIP CUST STATE AND ZIP Vv STATEPINELIG2 STATE AND PIN ELIG 2
27. an enter up to 10 open brackets for the clause Mandatory Pick List Select the UDE from the pick list Various UDE values are available for selection to the user These UDE values will also be provided as factory shipped data for the bank Mandatory Drop Down Select the operators used to match a condition in a rule from the drop down list The options are e Less than e Less than or Equal to e Greater than e Greater than or Equal to e Equal to e Not equal to Mandatory Pick List Select the UDE to be compared with the previously selected UDE from the pick list Optional Numeric 120 Type the value which is to be compared with the UDE defined on Left Hand Side of comparison operator The pick list will be active only if a domain is defined for the UDE entered on Left hand side of the comparison operator Mandatory Alphanumeric 10 This field allows the where clause to have close braces The user can enter up to 10 close brackets for the clause Toggle Click the toggle status to Y to delete the field The default value is N Note The user can enter the values for either Compare UDE or Compare Value for defining the query 26 ORACLE RLOO2 Rule Definition Master Maintenance Field Name Description THEN Display This field displays the action that is to be performed if the query is satisfied The rule return type is displayed in the corresponding field Constant Value Mand
28. anual Automatic Me Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Column Name Description Validity Start Date Mandatory Pick List dd mm yyyy Select the start date of the relationship package from the pick list A scheme cannot be applied to any customer before the start date End Date Mandatory Pick List dd mm yyyy Select the end date of the relationship package from the pick list In case bank wants to have a forever running pricing policy the end date will be required to be set up to a high value A scheme cannot be applied to any customer after the end date 47 ORACLE Column Name Benefit Valid For Validity Type RP001 Scheme Definition Maintenance Description Mandatory Numeric Two Drop Down Type the period for which benefits will be applicable from the date of applying This period can be even after the scheme has expired In this case no new customers can get the scheme but customers already enjoying the benefits of the scheme will continue to do so till this period E g If an account is opened during Christmas period all SCs will be reduced to half for one year Here Christmas period is Start End Date And 1 year is the duration In case the scheme benefits are also applicable for the same period as the scheme duration then either set it to same as Scheme days or set it to 0 The options are
29. applied automatically to a customer without waiting for his consent or after taking customers consent and apply the relationship package A scheme will be set up with a start date and end date Using this tool banks can run various business development schemes and campaigns Definition Prerequisites e RP003 Benefit Plan Maintenance Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add a scheme 1 Type the fast path RPOO1 and click Go or navigate through the menus to Global Definitions Relationship Pricing Scheme Definition Maintenance 2 The system displays the Scheme Definition Maintenance screen 44 ORACLE RP001 Scheme Definition Maintenance Scheme Definition Maintenance Scheme Definition Maintenance Scheme 1D Scheme Name Scheme Parameters Benefit Components _ Validity _ EN __ Start Date KE End Date Ea Benefit Valid For Validity Type Applicability Apply For Automatic Manual Record Details fe By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Field Name Description Scheme ID Mandatory Alphanumeric 20 Type the scheme identification code Schemes will be identified uniquely by a single ID which
30. ation Name Record Details InputBy Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Field Name Description Customer Group Mandatory Alphanumeric 16 Code Type the unique code assigned to the customer group Once added it cannot be modified Customer Group Mandatory Alphanumeric 40 Name Type a descriptive name for the customer group Once added it cannot be modified By default the same concerned party and same related entity is displayed 3 Click the Add button 4 Enter the customer group code and press the lt Tab gt key 5 Enter the customer group name and press the lt Tab gt key 78 ORACLE CIM51 Customer Group Definition Maintenance Customer Group Definition Maintenance Customer Group Code Custi Customer Group Name ra Relation Code s Relation Name E Record Details fe By Authorized By Last Mnt Date Last Mnt Action Authorized 6 Enter the required information in the various tabs 7 Click the button to add the data in the corresponding grid 79 ORACLE CIM51 Customer Group Definition Maintenance Allowed Customer to Customer Relations Customer Group Definition Maintenance Customer Group Code Custi Customer Group Name RA Allowed Customer to Customer Relations Allowed Customer to Account Relations
31. ation code of the benefit plan in the scheme Plan Name Display This field displays the name of the benefit plan in the scheme 8 The system displays the details of the benefit plan 9 Click the Ok button 10 The system displays the message Authorisation required Do You Want to continue Click the OK button 11 The system displays the Authorization Reason screen 12 Enter the relevant information and click the OK button 13 The system displays the message Record modified Click the OK button 65 ORACLE RP011 Customer Scheme Linkage 1 10 RP011 Customer Scheme Linkage Banks can define various schemes and based on certain eligibility criteria benefits defined in the scheme can be given to customers who meet those criteria s The benefits defined in the scheme can also be given to customer based on bank s discretion without going through the eligibility criteria Schemes created can be applied automatically to a customer without waiting for his consent or can be configured to be applied only after customer has provided his consent Using this option you can apply the scheme and relationship package after taking customer s consent It also allows linking a scheme manually to the customer based on bank s discretion It also provides complete history of the schemes that were linked to the customer in past or are running at present Definition Prerequisites e RP010 Eligibility Scheme Linkage e RP001 Scheme Defini
32. atory Numeric 16 Type the value assigned to the rule return type Or Return Value Of Optional Pick List Select the value of the rule return type from the pick list With Reason as Mandatory Alphanumeric 255 Type the reason to be returned to the user which can be displayed online or in reports whenever a rule is applied Preview Display This field displays the query is displayed when the Preview button is clicked Note The user can enter the Constant Value or select the UDE for Return Value Of 27 ORACLE RLOO2 Rule Definition Master Maintenance Rule Document The Rule Document tab allows the user to enter the comments or notes for the rule Rule Code 12 Version No Rule Name Define RuleContext c EV RuleReturnType Intere tAmount Rule Inquiry Rul dition Definit Rule Docurnent Rule Definitions Record Details fe By Authorized By Last Mnt Date Last Mnt Action Authorized C Modif C Cancel Amend 1 uthoriz Click the Ok button The system displays the message Record Added Authorization Pending Click Ok to Continue Click the Ok button 10 Therule definition details are added once the record is authorised 28 ORACLE RL010 Rule Debug Maintenance 1 3 RL010 Rule Debug Maintenance Using this option you can evaluate values of UDEs used in the evaluation of rules which needs to be logged so as to enable debugging for a rule T
33. ckages For the Relationship Pricing functionality the different package types defined on FLEXCUBE are e Service Charges Package e CASA Interest Package e TD Interest Package Unique benefit plans are defined on the system for each package type there by linking existing products to the respective package Definition Prerequisites e RL002 Rule Definition Master Maintenance e RP004 Interest Variance Package Maintenance e SCMO1 SC Package Definition e CHMO1 CASA Product Master Maintenance e TDMO1 TD Product Master e LNM11 Product Master Maintenances Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add the benefit plan details 1 Type the fast path RPOO3 and click Go or navigate through the menus to Global Definitions gt Relationship Pricing gt Benefit Plan Maintenance 2 The system displays the Benefit Plan Maintenance screen 40 ORACLE RP003 Benefit Plan Maintenance Benefit Plan Maintenance Benefit Plan Maintenance Plan Code Plan Type Code Deviation Rule Plan Name Plan Type Name Record Details Input By Last Mnt Date Last Mnt Action Field Description Field Name Description Plan Code Mandatory Alphanumeric 20 Type the identification code of the benefit plan Plan Name Mandatory Al
34. e To view the CASA interest details 1 Type the fast path CH067 and click Go or navigate through the menus to Transaction Processing gt Account Transactions gt CASA Account Transactions gt Inquiries gt CASA Interest Inquiry 2 The system displays the CASA Interest Inquiry screen CASA Interest Inquiry Account No 01 01 1800 Ehditisinat 01 01 1800 Deposit Details Rule Details First Previous o yo Next Last Start Date 88 ORACLE CH067 CASA Interest Inquiry Field Description Column Name Description Account No Mandatory Alphanumeric 16 Type the CASA account number Start Date Mandatory Pick List dd mm yyyy Select the start date from which the interest details are to be viewed from the pick list The start date should be less than the process date End Date Mandatory Pick List dd mm yyyy Select the date up to which interest details are to be viewed from the pick list The end date should be less than the process date 3 Enter the CASA account number and press the Tab key 4 Enter the start date and the end date for CASA interest inquiry CASA Interest Inquiry CASA Interest Inquiry Account No 000000011577 masc o1 01 2008 EER Endibates oijorjzo10 EA Deposit Details Rule Details First Previous o yo Next Last 89 ORACLE 5 Click the Inquire button CH067 CASA Interest Inquiry 6 The system displays th
35. e CASA account interest details in the Deposit Details tab Deposit Details CASA Interest Inc Account No Start Date First Previous 01 01 2008 01 01 2008 10 01 2008 15 01 2008 01 02 2008 quiry 000000011577 01 01 2008 Deposit Details Rule Details 01 01 2008 10 01 2008 15 01 2008 31 01 2008 15 02 2008 E End Date 1 000 283 56 1 000 283 56 1 000 283 56 1 000 283 56 1 006 206 80 o1 o1 2010 Boni 10 35000 10 35000 10 35000 10 35000 10 35000 EH 0 00 Credit 2 545 80 Credit 1 414 33 Credit 4 525 87 Credit 3 983 58 Credit jo ojo o Next Last Field Description vor I rese ff cee fif cear Column Name Description From Date Display This column displays the effective date from when the interest was calculated To Date Display This column displays the effective date till when the interest was calculated Interest Base Display Effective Rate This column displays the balance used for the interest calculation on the CASA account Display This column displays the net rate applicable for the interest calculation on the CASA account 90 ORACLE Column Name Interest Amount Interest Type Rule Applied CH067 CASA Interest Inquiry Description Display This column displays the interest amount calculated on the CASA account Display This column displays the interest type applicable on the CASA account T
36. e compared with the previously selected UDE from the pick list Optional Alphanumeric 100 Type the value which is to be compared as a criterion Mandatory Alphanumeric Five This field allows the where clause to have close braces The user can enter the close bracket for the clause Toggle Click the toggle status of the field to Y if the query can be deleted The default value of this field is N Command Button This validates the query and displays an error message if the query is incorrect 56 ORACLE RP002 Eligibility Criteria Maintenance Click the Add button Enter the plan code and press the lt Tab gt key Enter the plan name Select the plan type revision frequency and frequency type from the drop down list Click the button and enter the required information in the various fields to add a query Click the Validate button to validate the query o Onn Fw Click the Preview button to preview the query created Eligibility Criteria Maintenance Eligibility Criter Ma Plan Code 5 Plan Name Eligibility Plan Type Eligibility Plan v Version B Revision Frequency Monthly v Frequency Type Anniversary T Anniversar y Day None Anniversary Month None Last Evaluation Date c i 0 050 08x Next Evaluation Date 15 0 oj 1E Te MARITALSTAT _ cage v SSE c wn Wi nx validate Exclusion Plan Code I Preview Record Det
37. e drop down list This actually denotes whether the scheme is to be applied automatically to the customer or requires manual intervention of the branch The options are e Manual e Automatic 49 ORACLE RP001 Scheme Definition Maintenance Benefit Components Scheme Definition Maintenance Scheme ID scuo Scheme Name Scheme1 Scheme Parameters Benefit Components TDINT ERE SS Record Details fe By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Column Name Description Benefit Plan Type Display This column displays whether the benefit plan is being made for interest variance or for service charges Benefit Plan Code Mandatory Pick List Select the identification code that is assigned to a benefit plan from the pick list A benefit plan can be defined as a group of benefits that can be assigned to a customer base This code is a summation of benefits that are packaged under one head 50 ORACLE RP001 Scheme Definition Maintenance Column Name Description Benefit Plan Name Display This column displays the description of the benefit plan offered by the bank For e g Bank may set up one benefit plan each with the following description e Normal Customer Benefit Plan e Senior Citizen Customers Plan 7 Click the Ok button 8 The system displays the message Record Added Authorisation Pending Click Ok to Conti
38. er s short name or IC then any letter of the short name or IC can be entered The system displays the pick list of all those customers having those letters in their respective criteria Choose the appropriate customer from the existing customer list For example The customer s short name is George Abraham One can search the above customer by entering Geo in the Search String field Display This field displays the identification code of the customer Mandatory Alphanumeric 80 This field displays the full name of the customer The full name of the customer is defaulted from the Customer Addition Fast Path 8053 option Click the Modify button 4 Select the search criteria from the drop down list Type the search string and press the lt Tab gt key and select the customer from the pick list The selected customer s detail appears in the relevant fields 68 ORACLE RP011 Customer Scheme Linkage Customer Scheme Linkage Search Criteria Customer Id J Search String 605835 CustomerID 600118 Full Name ADITYA YANG CHING Applicability Details Record Details Input By Last Mnt Date Last Mnt Action Authorized 6 Modify the relevant details in the Scheme Details tab screen 69 ORACLE RP011 Customer Scheme Linkage Scheme Details Search Criteria Customerid Search Sting 605835 Customer ID Full Name ADITYA YANG CHING
39. est not supported in current release e TD Interest Optional Pick List Select the deviation rule from the pick list The deviation rules is a set of various rules that a bank can have as a deviation from the interest package as a whole They can be defined to be applicable to a particular type of interest or to all types of interest They also can be defined to be applied at the time of computation or accrual or capitalization of interest This rule will be created in the Rules Maintenance and selected under deviation rules Click the Add button Enter the package code and press the lt Tab gt key Enter the package name Select the package type form the drop down list and deviation rule from the pick list 33 ORACLE RP004 Interest Variance Package Maintenance Interest Variance Package Maintenance Package Code JPaco Package Name variance Package Type CASA Interest Deviation Rule RA CASA Interest TD Int t an Inte EIMUUUUUUUUmWeetU2 pR 000000077 aaa CASACRINT jj CASATODINT CASAOVLINT CASAODINT CASACHQPURINT CASARDCRINT CASARDPREMATINT CASARDPENINT Record Details Input By 7 The tabs are displayed corresponding to the selected package type Enter the required information in the displayed tab screen 34 ORACLE RP004 Interest Variance Package Maintenance
40. gibility Criteria Maintenance screen 52 ORACLE RP002 Eligibility Criteria Maintenance Eligibility Criteria Maintenance Eligibility Criteria Maintenance Plan Code Plan Type Frequency Type EEE E Last Evaluation Date Anniversar y Day Next Evaluation Date Exclusion Plan Code Record Details Input By Field Description Field Name Description Plan Code Mandatory Alphanumeric 20 Type the plan code used to identify a plan Plan Name Mandatory Alphanumeric 80 Type the description of the eligibility plan Plan Type Mandatory Drop Down Select the type of the plan from the drop down list The options are e Eligibility Plan e Exclusion Plan Version Display This field displays the version of the eligibility plan A version is assigned to all the eligibility plans defined Only the latest version is used for running eligibility criteria The older versions are available only for querying 53 ORACLE RPO002 Eligibility Criteria Maintenance Field Name Description Revision Conditional Drop Down Frequency Select the revision frequency from the drop down list The value of various customer and account attributes attached to the eligibility plan can change over a period of time This requires the eligibility to be calculated at periodic intervals in order to upgrade or downgrade customers Revision frequency
41. he options are e A Adjustment entry for capitalized debit credit interest which is less than the products minimum debit credit interest amount e C Credit interest for daily balance product e D Debit interest for daily balance product e M Entry for monthly minimum product accounts for minimum balance e P Entry for average daily balance product accounts e X TDS entry e Y TDS2entry Display This column displays the reference number of the rule evaluation if a rule is applied to get rate or variance or interest amount for interest calculation on the CASA account The Rule Details tab is enabled only when this column is clicked 7 Double click the Rule Applied link to enable the Rule Details tab 91 ORACLE Rule Details CH067 CASA Interest Inquiry CASA Interest Inquiry Account No Start Date First Previous 000000011577 01701 2008 Deposit Details Rule Details End Date forjo1j2010 ES o jo Next Last Field Description Column Name Description Rule Condition No Reason ext Original Value Rate Effective Display This column displays the name of the rule applied to the CASA account Display This column displays the valid condition number for the rule which was satisfied for this interest computation Display This column displays the reason for the value returned by the rule Display This column displays the value before the
42. he user can see the eligible Customers and the Accounts The scheme can be stamped manually for the eligible customers Alternatively the benefits can be awarded automatically Step V In the Eligibility Criteria Maintenance RP002 the customers to whom the scheme is to be offered can be identified The Exclusion Plan determines who will be excluded for the benefits defined E g Staff A c s After the Scheme is defined in RP001 and the Eligibility Plan in RP002 the Scheme and the particular eligibility has to be linked which would state that the customers eligible through a particular Eligibility would get a particular scheme After the linkage the set of eligible customers would start receiving the benefits from next day Thus in the example given Customer C will get the benefits Scenario Il Example for Relationship pricing which should be able to calculate the monthly average balance of the CIF average total credit balance and average total debit balance of all accounts of a customer and should allow setting up rules based on the average total balances Debit Credit Net of the customer Bank should be able to exclude certain accounts for example savings account of the customer from calculating average balances Same way at the time of applying benefits bank should be able to exclude some accounts from applying benefit For the above purpose a scheme can be created as follows If total credit balance of the customer is 1500
43. his option does not require authorisation Definition Prerequisites e RL0O2 Rule Definition Master Maintenance Modes Available Modify Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To modify the rule debug details 1 Type the fast path RLO10 and click Go or navigate through the menus to Global Definitions Rules Rule Debug Maintenance 2 The system displays the Rule Debug Maintenance screen Rule Debug Maintenance Rule Debug Maintenance 1FST 1FST iv BANK NOTE 3 BANK NOTE sc v BOOKBALSCEXEMPTI BOOKBALSCEXEMPTION v F51 FS1 ie F52 FS2 iv F53 F53 v F54 Fs lv FSS FSS iv F56 FS6 iv F57 F57 iv F58 FS8 iv FT TRF FT TRF 2 FUNDS TRANSFER FT TRF iv IBS FUND TRANSFE IBD FUND TRANSFER iv OD AMT Amortization rule iv OD_AMT1 AMORT RULE Vv RL_BANK_NOTE BANK NOTE iv RL CENTAS COINS CENTAS COINS Vv RL_HNI Rule For HNI iv RLLITAS COINS LITAS COINS v h yum authorize Inquiry 29 ORACLE RL010 Rule Debug Maintenance Field Description Column Name Description Rule Code Display This column displays the unique identification code assigned to the rule created Rule Name Display This column displays the description of the rule Debug Optional Check Box Select the Debug checkbox to debug the rule Click the Modify button The system displays the message This action will clear all data on the screen Do Y
44. hose customers having those letters in their respective criteria Choose the appropriate customer from the existing customer list For example The customer s short name is George Abraham One can search the above customer by entering Geo in the Search String field Display This field displays the ID of the customer A customer ID is an identification number generated by the system after customer addition is completed successfully This running number unique to a customer across the system is generated after the system has identified the customer IC and the customer category combination to be non existent in the system This ID is used for searching and tracking the customer in the system Display This field displays the full name of the customer The full name of the customer is defaulted from the Customer Addition Fast Path 8053 option 3 Select the search criteria from the drop down list 4 Type the search string and press the lt Tab gt key and select the customer from the pick list The selected customer s detail appears in the relevant fields 84 ORACLE CIM52 Customer Group Inquiry Applicable Customer Groups Customer Group Inquiry Applicable Customer Groups Customer Group Inquiry Applicable Customer Groups ABE Search Criteria Customer Id E Search String 600007 Customer ID 600007 EUMD RmzaaR 0 Applicable Customer Groups Related Customers Accounts
45. ip value tag Delete Toggle o woo cO Click the toggle status to Y to delete the record The default value of the toggle status is N Click the Add button Enter the RVT type code and press the Tab key Enter the name for the relationship value tag type Click the button to add the record Click the button to delete the record Enter the required information in the various columns 75 ORACLE CIM50 Relationship Value Tag Definition Relationship Value Tag Definition Relationship Value Tag Type Name HIGH NETWORTH INDIVIDUALS Record Details Input By Click the OK button 10 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the OK button 11 The RVT details are added once the record is authorised 76 ORACLE CIM51 Customer Group Definition Maintenance 1 12 CIM51 Customer Group Definition Maintenance Using this option you can maintain the definition of a customer group in FLEXCUBE It uses customer to customer relationship in FLEXCUBE as basis This maintenance will be used to identify if a customer belongs to a group based on his her relationships with other customers in the bank This information can be used to provide benefits to a customer based on the behavior of a group to which he she belongs to This maintenance also captures customer to account relationships to identify the accounts of other customers t
46. is 1 The Eligibility Plan determines Which set of customers will get the benefits under a scheme Eligibility Criteria defined for any benefit could be based on various attributes Customer A c All these attributes will be available via UDE s The Exclusion Plan determines who will be excluded for the benefits defined E g Customers whose CRR is 1 After the Scheme is defined in RP001 and the Eligibility Plan in RP002 the Scheme and the particular eligibility has to be linked which would state that the customers eligible through a particular Eligibility would get a particular scheme After the linkage the set of eligible customers would start receiving the benefits from next day 100 ORACLE ORACLE Relationship Pricing User Manual Oct 2012 Version 4 5 0 0 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright 2012 Oracle and or its affiliates All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying softwa
47. is the duration at which eligibility is to be re calculated This field is enabled only if the Plan Type selected is Eligibility Plan The options are e None e Daily e Weekly e Fortnightly e Monthly e Bi Monthly e Quarterly e Half Yearly e Yearly Frequency Type Conditional Drop Down Anniversary Day Select the type of frequency from the drop down list The options are e None e Anniversary Revision will happen on a date defined by the user e Calendar Revision will happen at the end of the month This field is enabled only if the Plan Type selected is Eligibility Plan Conditional Drop Down Select the day on which the scheme should be revised during the anniversary period from the drop down list This field is enabled only if the Frequency Type selected is Anniversary 54 ORACLE Field Name Anniversary Month Last Evaluation Date Next Evaluation Date Exclusion Plan Code Preview Column Name KEYWORD RPO002 Eligibility Criteria Maintenance Description Conditional Drop Down Select the month within the anniversary period when the revision will be done from the drop down list This field is enabled only if the Frequency Type selected is Anniversary Display This field displays the last date when the eligibility was evaluated Display This field displays the next date when the eligibility will be evaluated This will be derived on the frequency parameters Cond
48. itional Pick List Select the exclusion plan code from the pick list The exclusion plan can be linked here This exclusion list will eliminate the set of customers who had become eligible by virtue of the eligibility criteria and the bank specifically wants to exclude the customers coming out of this plan The Exclusion Plan Code field is enabled if the plan type selected is Eligibility Plan Display This field displays the query created once the Preview button is clicked Description Mandatory Drop Down Select the keyword from the drop down list The keyword indicates the condition of where clause in the query The options are e F e AND e OR Mandatory Alphanumeric 10 This field allows the where clause to have open braces The user can enter up to 10 open brackets for the clause 55 ORACLE Column Name UDE Comparison Compare UDE Compare Value Del Validate RPO002 Eligibility Criteria Maintenance Description Mandatory Pick List Select the UDE from the pick list Various UDE values are available for selection to the user These UDE values will also be provided as factory shipped data for the bank Mandatory Drop Down Select the condition for the query from the drop down list The options are e gt Greater Than e Less Than e Not Equal To e Equal To e gt Greater than Equal To e lt Less Than Equal To Optional Pick List Select the UDE to b
49. le status to Y to delete the record The default value for the toggle status is N 24 ORACLE RLOO2 Rule Definition Master Maintenance Rule Condition Definition Rule Definition Master Maintenance Rule Code 12 Version No BR Rule Name Define RuleContext INTDEV RuleReturnType intere tAmount pe Rule Inquiry Rule Condition Definition Rule Document Condition No IE IF Tcl CASA ACOP DAYS is equal to l PROCESS_DATE l J N i THEN Interest Amountis Constant Value Or Return Value Of TDINTDEV oe UDE With Reason as a Preview Save Preview IF CASA ACOP DAYS is equal to PROCESS DATE Then Intere El Record Details Ic By Authorized By Last Mnt Date Last Mnt Action Authorized ok cese cie Field Description Field Name Description Condition No Display This field displays the serial number assigned to the condition This field is auto generated by the system Column Name Description KEYWORD Mandatory Drop Down Select the condition of the where clause from the drop down list The options are e F e AND e OR 25 ORACLE Column Name RLOO2 Rule Definition Master Maintenance Description UDE Comparison Compare UDE Compare Value Del Mandatory Alphanumeric 10 This field allows the where clause to have open braces for grouping certain conditions The user c
50. n Key Display This field displays the key of the domain list Value Mandatory Alphanumeric 16 Type the value assigned to the key Del Toggle Click the toggle status to Y to delete the key The default value is N Query Display This field displays the query that is executed The query is displayed once the Show Query button is clicked Errors Display 9 Click the Ok button This field displays the errors if any on execution of the query 10 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the OK button 11 The UDE master details are added once the record is authorised Example 01 Database Function Assume a database function is available to calculate customer balance with two parameters i e Customer ID and Balance type The balance type indicates the accounts whose balance has to be considered like Deposits balance Total balance Customer Group balance etc This single function can therefore be mapped to create different UDEs Once the stored function is selected for creating UDE system will display a grid containing two rows which will be mapped to a UDE or a constant value as follows Input Parameters Mapped UDE or Constant pi_cod_cust_id Input Customer ID pi_bal_type Customer Group Balance In this case system will create a UDE that calculates the Customer Group balance for the given customer 19 ORACLE
51. n the scheme validity periods defined at scheme level This date can be modified if the scheme has not yet been linked to any customers via this linkage definition 63 ORACLE RP010 Eligibility Scheme Linkage Column Name Description Linkage End Date Mandatory Pick List dd mm yyyy Select the end date till which the scheme is to be linked to the eligibility plan from the pick list The end date can be modified if the scheme is not expired and it should be greater than process date and the linkage start date Linkage Status Display This field displays the status of the linkage The options are e Expired e n Progress 7 Double click the Sr No link to enable the Benefit Plan Details tab Benefit Plan Details The Benefit Plan Details tab allows the user to view the benefit plans linked to the scheme This is done to facilitate the selection of right schemes which do not have any conflicting benefit plans Eligibility Scheme Linkage 35 El Eligibilty Plan ID E Eligibilty Plan Name Schemes Details Benefit Plan Details Delete Authorize 64 ORACLE RP010 Eligibility Scheme Linkage Field Description Column Name Description Scheme Code Display This field displays the identification code of the scheme Plan Type Display This field displays the type of the benefit plan in the scheme Plan Code Display This field displays the identific
52. nal Numeric 13 Type the constant value assigned to the function parameter The system validates either UDE or CONSTANT field Query Display This field displays the query that is executed The query is displayed once the Show Query button is clicked Errors Display This field displays the errors if any on execution of the query Note The user can select the UDE or enter the value for the Constant Expression UDE Master Maintenance UDE Code fub_o1 Version UDE Name Master UDE Type Expression UDE Context E1 L E UDE Domain List v UDE Data Type _7 4 Eeeressicnl ll Domain List MARITALSTAT 1 N N JIE Show Query Validate Query Query Errors em ns ETT z u Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized C Add O modify O Delete O cancel O Amend O Authorize 13 ORACLE Field Description Column Name RLOO1 UDE Master Maintenance Description UDE CONSTANT Op Del Query Errors Mandatory Alphanumeric One This field allows the expression to have open braces Conditional Pick List Select the UDE from the pick list Various UDE values are available for selection to the user The UDE selected is used as a part of expression The system validates either UDE or CONSTANT field Conditional Numeric 13 Two Type the constant to be used as a part of ex
53. nance UDE Master Maintenance uve cede IG version T uve name UDE Type UDE Context UDE Domain UDE Data Type Table Column Function Expression Transactional Domain Query Domain List SELECT FROM table C LE Show Query Validate Query Query Erroi Record Details oe Input By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Field Description Name UDE Mandatory Alphanumeric 16 Code Type the unique identification code of the created UDE Version Display This field displays the version number of the UDE code UDE Mandatory Alphanumeric 80 Name Type the description of the UDE 5 ORACLE RLOO1 UDE Master Maintenance Field Description Name UDE Mandatory Drop Down Type Select the type of UDE from the drop down list The options are e Table Column This option contains the list of tables which can be used for setting up a UDE Data of tables are provided for selection as part of setup You can select only one table Based on the table selected relevant column names are populated Rationalization of columns to populate data is done as part of factory shipped data creation This is to ensure that no system calculation column or MU fields are populated which may not be used as attributes To define the UDE you are provided with the facility to frame a simple S
54. ne nean oia nannte aan cma aan iia annn aa 94 ORACLE Relationship Pricing 1 Relationship Pricing 3 ORACLE RLOO1 UDE Master Maintenance 1 1 RL001 UDE Master Maintenance Using this option you can maintain user data elements that are used to define rules in Relationship Pricing The main purpose of this option is to represent various data elements in the FLEXCUBE database in simple user understandable terms There are four types of UDEs defined in FLEXCUBE e Table Columns Defines a query returning a single value It also supports aggregation functions for the selected columns e DB Functions Uses pre defined database functions returning a particular value e Expressions Uses other UDEs to create complex UDEs The expressions will use simple mathematical operators or string operators on the existing UDEs or constant values to arrive at the output e Transactional Uses transactional data which is not yet saved in the database Definition Prerequisites Not Applicable Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add the UDE master details 1 Type the fast path RLOO1 and click Go or navigate through the menus to Global Definitions Rules UDE Master Maintenance 2 The system displays the UDE Master Maintenance screen 4 ORACLE RLOO1 UDE Master Maintenance UDE Master Mainte
55. nt Action Authorized O amend O ize inquiry 21 ORACLE Field Description Field Name RLOO2 Rule Definition Master Maintenance Description Rule Code Version No Rule Name RuleContext RuleReturnType oa fF o Mandatory Alphanumeric 20 Type the unique identification code of the rule created Display This field displays the version number of the rule A new version is created whenever the rule is modified The latest version is always the one in use although older versions can be queried upon Mandatory Alphanumeric 80 Type the description of the rule Mandatory Pick List Select the rule context from the pick list Rule context defines the purpose for which rule is being set up For e g a context SCTXN states that this rule is used to compute service charge for Transactions in FLEXCUBE The values for this will be set up through Day 0 setup Mandatory Pick List Select the rule return type from the pick list This value determines the return value of the rule This value depends on the rule context selected For e g for context SCTXN a rule can return Transaction amount on which SC will be calculated based on SC code parameters or SC amount Click the Add button Enter the rule code and press the Tab key Enter the rule name Select the rulecontext and rulereturntype from the pick list 22 ORACLE RLOO2 Rule Definition Master Maintenance R
56. nt for issuance of 1 cheque book A UDE UC will be defined to store the CRR of the customer 97 ORACLE Examples for Relationship Pricing Step Il Rules Maintenance Using the Rules Definition Maintenance Fast Path RL002 option and the above defined UDE define a rule The user will define rule for Interest for CASA and TD Select rule return type as Interest variance Rule will be defined in the following manner If total credit balance of the customer is gt 15000 then Interest rate for CASA product 601 40 2596 If total credit balance of the customer is 20000 then Interest rate for CASA product 601 0 25 and Int rate for TD 0 1096 If total Debit balance of the customer is gt 10000 then interest rate for OD is 0 25 If total Debit balance of the customer is gt 20000 then interest rate for OD is 0 50 If total Debit balance of the customer is gt 20000 then SC amount to be charged REFUNDED is equal to UDE A1 Step Ill Interest Variance Package Interest variance package will be defined for CASA account and TD account in the Interest Variance Package Maintenance Fast Path RP004 option Separate packages will be created for variances for CASA and TD module Step IV Benefit plan defined in step III will be linked to a scheme through the Scheme Definition Master Maintenance Fast Path RP001 option Scheme will have a start and end date In the Customer Scheme Linkage Fast Path RP011 option
57. nue Click the OK button 9 The scheme definition details are added once the record is authorised 51 ORACLE RPO002 Eligibility Criteria Maintenance 1 7 RP002 Eligibility Criteria Maintenance Using this option you can define different eligibility criteria for a set of benefits under a scheme This plan determines the set of customers who will get the benefits defined under the scheme This definition helps identify the target customers for a scheme The customers who are excluded from the benefit defined under the scheme will also be set up in this maintenance as an exclusion plan Exclusion Plan contains the criteria which if matched by the customer will make him ineligible for the scheme In other words all the facilities or benefits provided to the customer will cease and he she will be tagged the normal customer status Exclusion plan set up is provided to facilitate exclusion of a common set of customers who needs to be excluded from most of the schemes Definition Prerequisites e RLOO2 Rule Definition Master Maintenance Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add eligibility criteria details 1 Type the fast path RPOO02 and click Go or navigate through the menus to Global Definitions gt Relationship Pricing gt Eligibility Criteria Maintenance 2 The system displays the Eli
58. o be considered for deriving the behavior of the group Using this maintenance bank can define e Acustomer group code and name e All the customer to customer relationships which form the part of the customer group e All customer to account relationships which will be considered to pick up accounts while considering the behavior of the group This maintenance just defines relationships between any two customers that will make them form a group The Customer Group definition maintained will be linked to eligibility in the form of a UDE This UDE definition will take customer group name as input Definition Prerequisites e CIMO7 Relation Master Maintenance Modes Available Add Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add the customer group details 1 Type the fast path CIM51 and click Go or navigate through the menus to Global Definitions Customer Customer Group Definition Maintenance 2 The system displays the Customer Group Definition Maintenance screen 77 ORACLE CIM51 Customer Group Definition Maintenance Customer Group Definition Maintenance Customer Group Definition Maintenance Customer Group Cede L J Customer Group Name Allowed Customer to Customer Relations Alloved Customer to Account Relations Relation Code Rel
59. on which the query is to be executed Mandatory Drop Down Select the operators used to match a condition from the drop down list The options are e isless than e isless than or Equal to e is greater than e is greater than or Equal to e is equal to e is not equal to Conditional Alphanumeric 16 Type the value which is to be compared as a criterion Mandatory Alphanumeric One This field allows the where clause to have close braces The user can enter the close bracket for the clause Toggle Click the toggle status to Y to delete the query The default value is N Display This field displays the query that is executed The query is displayed once the Show Query button is clicked 17 ORACLE RLOO1 UDE Master Maintenance Column Name Description Errors Display This field displays the errors if any on execution of the query Domain List UDE Master Maintenance UDE Code uD_01 Version 1 UDE Name MASTER UDE Type Database Function UDE Context SIBIL E UDE Domain List x UDE Data Type 2OOLEA rasis esos runenen E ea SS SS _ _ E gt al a MR ey N J Show Query Validate Query Query Errors Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized ox J eese cte 18 ORACLE Field Description RLOO1 UDE Master Maintenance Column Name Descriptio
60. ou Want to continue Click the Yes button 5 Select the check boxes corresponding to the rules to be debugged Rule Debug Maintenance 1FST 1FST M BANK NOTE 3 BANK NOTE sc 2 BOOKBALSCEXEMPTI BOOKBALSCEXEMPTION 2 FSi FS1 M FS2 FS2 E F53 F53 lv F54 F54 lv FSS F55 E F56 F56 v FS7 FS7 iv Fs8 FS8 L2 FT TRF FT TRF s FUNDS TRANSFER FT TRF E IBS FUND TRANSFE IBD FUND TRANSFER 2 OD AMT Amortization rule 2 OD_AMT1 AMORT RULE v lv H lv RL LITAS COINS LITAS COINS L2 1 al 1 2 Eencel Amend Autiotiee O Inquiry Lo 1L se Jp se Se 30 ORACLE RLO10 Rule Debug Maintenance Click the Ok button The system displays the message Authorization Required Do you want to continue Click the OK button The system displays the Authorization Reason screen Enter the required information and click the Grant button The system displays the message Records successfully updated Click the OK button 31 ORACLE RP004 Interest Variance Package Maintenance 1 4 RP004 Interest Variance Package Maintenance The interest rates for options like CASA and TD are maintained at the product level respectively Using this option preferential interest rate plans f can be maintained or a certain set of customers Separate packages will be created for defining variances for CASA and TD Once a module is selected for maintaining interest variance the interest types falling under the same will be
61. parameter of the procedure Query Display This field displays the query that is executed The query is displayed once the Show Query button is clicked 15 ORACLE RLOO1 UDE Master Maintenance Field Name Description Errors Display This field displays the errors if any on execution of the query Domain Query UDE Master Maintenance UDE Code UD o1 Version UDE Name Master UDE Type Database Function v UDE Context ELIGIBILITY _ E UDE Domain Query m UDE Data Type Function a TE l SELECT FLS cust Eusa FROM Eust info WHERE era Gust status ig less than i YT N JD Show Query Validate Query Query Erro _ Record Details mumy Input By Field Description Field Name Description SELECT Mandatory Alphanumeric 30 30 Type the column names to be selected FROM Mandatory Alphanumeric 30 Type the table name from which the column is to be selected 16 ORACLE Column Name KEYWORD COLUMN Condition Value Del Query RLOO1 UDE Master Maintenance Description Mandatory Drop Down Select the condition of the where clause from the drop down list The options are e WHERE e AND e OR Mandatory Alphanumeric One This field allows the where clause to have open braces The user can enter the open bracket for the clause Conditional Alphanumeric 100 Type the column name
62. phanumeric 60 Plan Type Code Type the name of the benefit plan in the scheme Mandatory Pick List Select the plan type code from the pick list The plan type code identifies whether the benefit plan is being made for interest variance or service charges The options are e CSINT For CASA interest variance plan e SC For SC plan e LNINT For loans interest variance plan not supported in current release e TDINT For TD interest variance plan 41 ORACLE Field Name Plan Type Name Deviation Rule Column Name Product Code Product Name Package Code Package Name ONO aR w RP003 Benefit Plan Maintenance Description Display This field displays the type of the benefit plan corresponding to the plan type code selected Optional Pick List Select the deviation rule from the pick list It is the deviation rule linked at the plan level which is to be applied to all accounts of the customer getting the benefits The deviation rule will be applicable only for the selected component Description Mandatory Pick List Select the product code from the pick list The pick list displays the list of products based on the plan type selected Display This field displays the name of the selected product Mandatory Pick List Select the package code from the pick list The pick list displays all the packages available based on the plan type selected Display This field display
63. pick list Eligibility Plan Display Name This field displays the name of the eligibility plan corresponding to the eligibility plan ID selected 3 Click the Modify button 4 Select the eligibility plan id from the pick list Eligibility Scheme Linkage Eligibility Scheme Linkage Eligibilty Plan ID ES Eligibilty Plan Name Schemes Details 1 i 22 I 3d I 31 01 2008 I 31 01 2020 I In Progress l 5 Modify the relevant details in the Scheme Details tab 6 Click the button to add another scheme 62 ORACLE RP010 Eligibility Scheme Linkage Schemes Details Eligibility Scheme Linkage Eligibilty Plan ID 25 Eligibilty Plan Name TERI Schemes Details di 22 testcaselll 31 01 2008 31 01 2020 In Progress l 2 1 3 XI 21 91 2008 Qi 91 2018 lumi ees Field Description Column Name Description Sr No Display This field displays the sequential serial number This field is auto generated Scheme Code Mandatory Pick List Select the identification code of the scheme from the pick list Scheme Name Display This field displays the name of the scheme corresponding to the scheme code Linkage Start Date Mandatory Pick List dd mm yyyy Select the start date when the scheme is linked to the eligibility plan from the pick list The date has to be betwee
64. pression The system validates either UDE or CONSTANT field Optional Drop Down Select the operators used in the expression from the drop down list The options are e abs e mod e round e trunc Mandatory Alphanumeric One This field allows the expression to have close braces Optional Toggle Click the toggle status to Y to delete the expression The default value is N Display This field displays the query that is executed The query is displayed once the Show Query button is clicked Display This field displays the errors if any on execution of the query 14 ORACLE RLOO1 UDE Master Maintenance Transactional UDE Master Maintenance UDE Code ASAI EV BA E Version UDE Name UDE Type T UDE Context UDE Domain None UDE Data Type NUn J Show Query Validate Query _ Record Details _ 3 Input By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Field Name Description Source Type Mandatory Drop Down Select the source type from the drop down list The source type can be a procedure parameter or screen based Transaction Display This field displays the task code associated with the UDE The corresponding logical name of the task is displayed in the adjacent field For future use only Source Field Display This field displays the name of the
65. re package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
66. s tab 8 ORACLE Table Column RLOO1 UDE Master Maintenance UDE Master Maintenance UDE Code UD_O1 Version UDE Name aster UDE Type Table Column vi UDE Context ELIGIBILIT m UDE Domain List wal UDE Data Type NUMER Table Colurnn Fur lI 4l SELECT FROM table er ast E Average ot Colum cop susiwess cii IF NULL THEN RETURN o WHERE Tel COD CC HOMEBRN is less than l feu GM COD CC HOMEBRM Ui HR RA J Show Query Validate Query Query Errors Record Details m Authorized By Authorized Last Mnt Date fe By Add T Field Description Field Name Description SELECT FROM table Column Mandatory Pick List Select the table name from which the column is to be selected from the pick list Select the function to be performed on the selected column The options are e Average of e Count of e Maximum of e Minimum of e Sum of Mandatory Pick List Select the column name from the pick list 9 ORACLE RLOO1 UDE Master Maintenance Field Name Description IF NULL THEN Optional Numeric 13 RETURN Column Name KEYWORD COLUMN Condition Value Type the value to be returned if the query returns a null value Description Mandatory Drop Down Select the appropriate keyword from the drop down list The options are e WHERE e AND e OR Mandatory
67. s the name of packages selected Click the Add button Enter the plan code and press the lt Tab gt key Enter the plan name Select the plan type code and deviation rule from the pick list Click the button and add the relevant information in the various columns Click the button to delete the record 42 ORACLE RP003 Benefit Plan Maintenance Benefit Plan Maintenance Plan Code Plan Name Benefit plan Plan Type Code Plan Type Name preesse Deviation Rule 578 Testing Product 11 FIRSTPACKAGE E Record Details Ic By Authorized By Last Mnt Date Last Mnt Action Authorized C i Click the Ok button 10 The system displays the message Record Added Authorisation Pending Click Ok to Continue Click the OK button 11 The benefit plan details are added once the record is authorised 43 ORACLE RP001 Scheme Definition Maintenance 1 6 RP001 Scheme Definition Maintenance A scheme is a group of benefit plan that has been defined for various components i e interest variance service charge It would include details on the benefits being offered to the customer i e relevant benefit plans start date and end date for the scheme Schemes will be created containing details of all types of benefits interest SC for all the products or only one type of benefit component can be passed on to the customer Using this option schemes created can be
68. the OK button 60 ORACLE RP010 Eligibility Scheme Linkage 1 9 RP010 Eligibility Scheme Linkage Using this option once a scheme is defined on the system and an eligibility plan is in place you can link the scheme to the eligibility plan The set of eligible customer will receive the benefits under the scheme from the next working day once the scheme is linked The Customer Scheme Linkage Fast Path RP011 option allows the bank to apply the scheme and relationship package after taking customer s consent Definition Prerequisites e RP001 Scheme Definition Maintenance e RP002 Eligibility Criteria Maintenance Modes Available Modify Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To modify the eligibility scheme linkage details 1 Type the fast path RP010 and click Go or navigate through the menus to Global Definitions Relationship Pricing Eligibility Scheme Linkage 2 The system displays the Eligibility Scheme Linkage screen Eligibility Scheme Linkage Eligibility Scheme Linkage Eligibilty Plan ID CTE Eligibilty Plan Name Schemes Details Benefit Plan Details Cancel 61 ORACLE RP010 Eligibility Scheme Linkage Field Description Field Name Description Eligibility Plan ID Mandatory Pick List Select the unique identification code assigned to the eligibility plan from the
69. the user can see the eligible Customers and the Accounts The scheme can be stamped manually for the eligible customers Alternatively the benefits can be awarded automatically Step V In the Eligibility Criteria Maintenance RP002 option the customers to whom the scheme is to be offered can be identified Example Rule should select customers who have CRR 10 The Eligibility Plan determines Which set of customers will get the benefits under a scheme Eligibility Criteria defined for any benefit could be based on various attributes Customer A c All these attributes will be available via UDE s The Exclusion Plan determines who will be excluded for the benefits defined After the Scheme is defined in RP001 and the Eligibility Plan in RP002 the Scheme and the particular eligibility has to be linked which would state that the customers eligible through a particular Eligibility would get a particular scheme After the linkage the set of eligible customers would start receiving the benefits from next day 98 ORACLE Examples for Relationship Pricing Scenario Ill Based on the average balance in FCC FCR loan amp OD accounts Cash back Service charge discount can be given to the customer on the transactions amp monthly periodic fees LOB code Product code and CRR of the customer will also be considered for cash back waiver facility Customer will be having account in FCC and FCR If customer is having LOB as Corporate
70. ting Acceptance Either scheme is of type manual acceptance or requires manual intervention if there is conflict between multiple schemes e n Progress Scheme is currently available e Rejected Customer has rejected the scheme today The status of this is changed to Delinked in EOD e Accepted Customer has accepted the scheme The status is changed to In Progress on the benefit start date Mandatory Pick List Select the status of a linkage from the pick list The options are e Reject a scheme with the status In Progress e Accept or Reject a scheme with the status Awaiting Acceptance e Toggle between Accepted and Rejected status If the status is Expired or Delinked the new state cannot be entered Mandatory Pick List Select the reason for modifying the state from the pick list 71 ORACLE RP011 Customer Scheme Linkage Column Name Description Delete Optional Checkbox Select the Delete checkbox to deleted the record By the default the value is no and it displays N 7 Double click the SNo link to enable the Applicability Details tab Applicability Details The Applicability Details tab displays the accounts which are affected by the scheme If the status of the scheme is In Progress or Expired or Delinked it displays all the accounts which are or were affected by the scheme For the new schemes added it displays the accounts which are likely to be affected by the scheme
71. tion Maintenance e 8053 Customer Addition Modes Available Modify Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To modify the customer scheme linkage details 1 Type the fast path RPO11 and click Go or navigate through the menus to Global Definitions gt Relationship Pricing gt Customer Scheme Linkage 2 The system displays the Customer Scheme Linkage screen 66 ORACLE RP011 Customer Scheme Linkage Customer Scheme Linkage Search Criteria di Search String Customer ID Full Name Remarks Record Details InputBy Authorized By LastMnt Date Last Mnt Action Field Description Field Name Description Search Criteria Mandatory Drop Down Select the search criteria to search for the customer from the drop down list The options are e Customer short name The short name of the customer e Customer IC The identification criteria IC arrived at by the bank during customer addition e Customer ID The unique identification given by the bank 67 ORACLE Field Name Search String Customer ID Full Name RP011 Customer Scheme Linkage Description Mandatory Alphanumeric 80 Type the search string to search for a customer corresponding to the search criteria selected in the Search Criteria field If the search criterion is specified as custom
72. to the rate maintained in the TD Product Master Fast Path TDMO1 option and the deposit level variance given to a customer Rule Optional Pick List Select the appropriate rule from the pick list If a bank wants to set up additional criteria s or variances for the interest component it can be set up here as a rule The rules will be defined in Rules Maintenance option Note User will be able to set up either variance rate or a variance rule 37 ORACLE RP004 Interest Variance Package Maintenance Loan Interest Interest Variance Package Maintenance Package Code PA Package Name Variance Package Type Loans interest Deviation Rule 8 l Loan Interest LHPENINT LNPMIINT are LNEFSPEN l LNREGINT Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Column Name Description Interest Type Display This field displays the interest type is based on the package type selected If the package type selected is Loans Interest then the interest types are e Regular Interest e Penalty for part closure e Penalty for premature closure The Loans Interest tab is enabled if the interest type selected is Loans Interest Variance Optional Numeric Three Two Type the variance The bank can maintain an absolute rate that will be applied on the interest component
73. ule Definition Master Maintenance Version No 1 Rule Name Define RuleReturnType InterestAmount en n Rule Decument Ea Record Details It By Authorized By Last Mnt Date Last Mnt Action Authorized add O Modify O delet O cancel O amend O Authoriz O inquiry 7 Enter the required information in the various tab screens 23 ORACLE RLOO2 Rule Definition Master Maintenance Rule Inquiry The Rule Inquiry tab displays the complete rule from where the conditions can be added or deleted or selected for modification Rule Definition Master Maint Rule Code 12 Version No Rule Name Define RuleContext EV RuleReturnType intere tAmount Rule Inquiry Rule Document al IF CASA ACCT STAT is equal to CASA COD PROD Then Interest Amount is TDINTDEV COD PROD With Reason as a Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized O pelete O cancel O amend O Authorize Field Description Column Name Description Condition Display This column displays the serial number assigned to the condition The number is auto generated by the system Double click the column to enable the Rule Condition Definition tab Condition Display This column displays the condition for the query defined in the Rule Condition Definition tab Del Toggle Click the togg

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