2. Debit Card Interface
Contents
1. Card Management System Bank Identification Number Conventions Used in this Manual Important information is preceded with the symbol Glossary of Icons This User Manual may refer to all or some of the following icons 1 1 ORACLE Function Refer the Procedures User Manual for further details about the icons tons cs T 1 2 ORACLE 2 1 2 Debit Card Interface Introduction Oracle FLEXCUBE facilitates the processing of debit card transactions originating from Automatic Teller Machines ATM and POS terminals attached to different branches of your bank You will be allowed to capture different types of debit cards in Oracle FLEXCUBE The cards are linked to individual customer accounts You need to do the following maintenance in Oracle FLEXCUBE for the debit card interface to work e Card BIN Maintenance Card BIN maintenance should be created for every issuer product that the bank wishes to provide to customers These BINs would be provided to bank typically by networks like VISA MasterCard or by ISO organization ATM and POS transaction count and amount limits are maintained for every BIN in this maintenance e Card Type Maintenance Card Types should be created to uniquely identify the set of Issuer BINS maintained For example Visa might issue 433333 and 422222 under Classic type and 455555 and 466666 under Gold type etc e Card Product Maintenance Card product maintenance is to l2. Summary srrrrrrrnnrrnnnnnnnrrrnrrnnnnnnnnrrrnrrnrnnnnnnenrrrnnrnnnnneensennnnnnnnneessennnnnnnneeessennnnnnnnesssssnne 2 10 2 9 MAINTAINING CARD MASTER DETAILS cccccecccssccecccscccesccesccecccusccusccecceusceusesecseusceusceeeeseusceusceeeesens 2 11 2 10 GENERATING CARD HANDOFF FILES eresvnvvrnvvnnvrnnvnnvvnnvnnnvnnnnnnvnnnvnnnnnnvnnnvnnnnnnvnnnnnnnnnnvnnnnnnsnnnnnunnnunnnuenenen 2 16 TL FTV 2 16 2 10 2 Uploading Card Status dvask s rene eee asadedentesistessiseakorsexads 2 18 ORACLE 1 1 1 2 1 3 1 4 1 5 1 About this Manual Introduction This manual is designed to help acquaint you with the interface between Oracle FLEXCUBE and the other systems within your bank This manual provides you extensive explanations about the various maintenances required for the smooth exchange of data between Oracle FLEXCUBE and the applicable systems through the interface It also gives you an insight into the processes involved in the actual exchange of data Audience This manual is intended for the following User User Roles Back office clerk Input functions for contracts Back office managers officers Authorization functions Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day Financial Controller Product Managers Generation of reports Abbreviations System Unless and otherwise specified it shall always refer to Oracle FLEXCUBE system
3. the field at the top right corner of the Application tool bar and clicking the adjoining arrow button F Card BIN Maintenance Web Pape Dialog Card BIN Default Rennes Ling Descr bon Detanult Renewal Cyche Bark hk fjor ld ATM Linit POS Limit ATH Lit iret Paes Lid Ur ATM Cound Limi POS Count Limi AT Amount Limit POS Amou Limit Renate ATH Limi Urd F Female POS Limi Uni Remote ATM Count Limit Remote POS Gourd Limi Remote ATH Amount Limit Remote POS Amount Limit input By ABOBOZ Date Time Modification Humber pen 3 Cancel Auihorizerd By Date Time ee Specify the following details in this screen Card BIN Specify the Bank Identification Number BIN Description Specify the description of the BIN Bank Institution Id Specify the bank institution code Default Renewal Unit Select the default renewal unit of the cards issued under the card BIN from the drop down list This list displays the following values e Year e Month e Week e Day Default Renewal Cycle Specify the default renewal unit value of the cards issued under the card BIN Example To indicate that the card should be renewed after every 2 Years when the Default Renewal Unit is Yearly you have to specify the Default Renewal Cycle as 2 2 3 ORACLE ATM Limit Specify the following details pertaining to ATM limit ATM Limit Unit Select the unit of ATM Limit count for transactions control from the drop down list This list displays
4. to same card products Card products are linked to uniquely identify the card nature that is requested 2 6 ORACLE You can invoke the Debit Card Product Maintenance screen by typing STDCPROD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button DI Debit Card Product Maintenance Web Pape Dialog Card Product SARV Description DEBIT Card Type TESTS input By SARAMAL 37 Modification number i Authorized By SARAH Tere POU Vi 728 Specify the following details in this screen Card Product Specify the Product Code Description Specify the description of the specified Card product Card Type Specify the type of Card allowed for the card product Expiry Date Specify the date after which the card product cannot be used 2 7 ORACLE 2 6 Maintaining Card Status Details You can maintain the card status in line with the Card Management System in the Card Status screen You can invoke the Card Status screen by typing STDSTATM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Card Status Web Pape Dialog dled Card Status E Denon Expanded input By DEB Date Time T2000 16 10 30 Modification number 1 Authorined By Dabe Tine Specify the following details in this screen Card Status Specify the status of the card Initially when the request for the card is initiated the card status w
5. D ISS BIN BANK INST ID Branch code FC size Account branch Customer code FC size Account number FC size Account currency FC size Account currency numeric FC size NO i O Account type 10 current 20 savings Card Record Source DCTM CARD MASTER bank code FC reference no This need to be used by CMS when sending card status change FC size O Branch code customer code FC size ORACLE No L N Seq Field Name Size Remarks o ponm ew OO Card Product code DCTM_CARD_MASTER CARD_PRODUCT Primary secondary card 0 primary 1 secondary EC You can define the required format for the handoff file through the Generic Interface module in case a different format is required 2 10 2 Uploading Card Status details You can upload the new card details into Card Master Maintenance through Incoming Generic Interface module Similarly you can upload card status details or any amendments through Generic Interface module ORACLE Debit Card Interface January 2010 Version 11 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 O 2010 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechan
6. Debit Card Interface Version 11 0 INT1316 ORACLE FCUBSV UM 11 0 0 0 0 0 0 January 2010 Oracle Part Number E51573 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG me Created on February 19 2009 Revision No Final a Updated by Documentation Team Reviewed by Development Approved by Software Quality Testing teams Assurance Team Updated on January 04 2010 Reviewed on January 04 2010 Approved on January 04 2010 ORACLE Debit Card Interface Table of Contents L ABOUrFTHIS MANUA Donan EAEE EA 1 1 TREN 1 1 NT 1 1 NNN 1 1 1 4 CONVENTIONS USED IN THIS MANUAL ccccccccsscccccssscceccccccssccscccscecaccesceccsseccvcseccceaccsssecccesccecseccsescevssaceses 1 1 kr GNIR 1 1 2 DIRT SDNERT MV 2 1 RON 2 1 ROSEN 2 2 2y MAINTAINING CARD DIN ccs ss ninine E 2 3 2A MANNEN 2 6 25 MAINTAINING DEBIT CARD PRODUCTS wcscssccssccscasscsmpaduscwancensacsancusanagnoneece Gadietdwesannsadoaagmacwagaeneoumbetebaweennasecboage 2 6 2 6 MAINTAINING CARD STATUS DETAILS euoovvrevvnnvvnnnvnnnnnnnnvnnnvnnnnnnnnvnnnnnnnnnnnnvnnnnnnnnnnnennnnunnnnnnnenennnnnnnnnnennnnnneneee 2 8 2 7 MAINTAINING CARD CUSTOMER cccccscccsscccssccssccscccsccesscesscesscesseusccesccesseesscesceesseesscecsesseesscesseeusseusess 2 9 2 8 MAINTAINING CARD ACCOUNTS ccccccscccsssccscccscccsssccsscesscesscesscessceusscesscescseesseusccescseessceccesseuscceccesesens 2 10 2 8 1 VIEWING Cards
7. Handoff Files You can generate handoff files in Card Info handoff file format using the Card Handoff Batch screen You can invoke the Card Handoff Batch screen by typing DCDBATCH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button This batch can be configured as either ad hoc run or EOD run It generates the Oracle FLEXCUBE Specific CMS Handoff Format Card Handoff Batch Web Page Dialog Hand Of Batch Click Run button in this screen to run the handoff batch 2 10 1 File Format The format of the handoff file genrated is broadly structured as given below e Request 1 gt Customer record gt CRLF gt Account record gt CRLF gt lt Card record gt CRLF e Request 2 gt Customer record gt CRLF gt Account record gt CRL gt lt Card record gt CRLF Seq Field Name Size Remarks Customer Record Source STTM CUSTOMER 0 bank 1 individual 2 corporate customer type tamme frame 2 16 ORACLE Seq Field Name Size Remarks First name FC size Short name FC size Sex 0 male 1 female Married 0 single 1 married 2 divorced 3 seperatd 0 Address 1 FC size 1 Address 2 FC size 2 Address 3 FC size 3 Address 4 FC size NN ml ml mr SJ O gt QO t lt FC size Pin Code FC size OT work Phone FC size 7 Home Telephone FC size Account Record Source STTM_ CUST ACCOUNT Bank code DCTM CAR
8. Passport DL etc Additional Holder ID Number Specify the Identification Number of the additional holder Card As part of specifying the card details you can specify the following Primary Card No In case of Secondary Cards system displays the Primary Card Number here Card Number It is generated by CMS when the mode is Request renewal However you are allowed to specify the card number Card Sequence Number Card Sequence Number is generated and displayed by the system It is the running number 123 Primary Card By default system considers the first Debit Card issued for an account as the primary card and hence checks this box You are not allowed to change the same System unchecks this box on subsequent card issued for the same customer account Card Application Date Specify the date of card application Card Issued Date Specify the date of issue of the card Card Renewal Date The date of renewal of the card gets defaulted from the BIN level Card Expiry Date Specify the expiry date of the card 2 13 ORACLE Card Activation Date Specify the date of activation of the card Status As part of the specifying the satus you can specify the following Card Dispatch Status Select the Dispatch Status from the drop down list to indicate whether the card has been dispatched or not Pin Mailed Status Select the PIN Mailed Status from the drop down list to indicate whether PIN has been mailed to the ca
9. ate 1000 account currency per unit Remote POS Limit Unit Select the unit of POS Limit count for transactions control from the drop down list This list displays the following values e Year e Month e Week e Day Remote POS Count Limit Specify the number of transactions allowed from a remote POS Remote POS Amount Limit Specify maximum permissible amount for the unit defined for remote POS Example Specify 1000 to indicate 1000 account currency per unit 2 5 ORACLE 2 4 Maintaining Card Type You can maintain the card type in the Card Type Maintenance screen You can invoke the Card Type Maintenance screen by typing STDTYMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Card Type Maintenance Web Page Dialog Card Type Description input By DOCTHE Date Time Modification number H open AW hore Ev Specify the following details in this screen Card Type Specify the type of the card Description Specify the description of the Card type BIN Details Specify the BIN details here Card BIN Select the BIN for the card issued from the option list You can associate multiple BINs to the same card type 2 5 Maintaining Debit Card Products You can maintain debit card product in the Debit Card Product Maintenance screen This screen links a given card type to a card product one to one You are not allowed to link multiple card types
10. ical 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 software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
11. ill be Card applied Later you can change this to any status depending upon the need The card status can be of the following e R Specify R to indicate the status as Requested e A Specify A to indicate the status as Activated e C Specify C to indicate the status as Closed e Card Issued when the card is sent with PIN and physical card e B Specify B to indicate the status as Blocked Theese codes are factory shipped codes and can be modified at the time of implementation based on the Card Management System used by your bank Description Specify a description for the status 2 8 ORACLE 2 17 Maintaining Card Customer You can maintain the card customer in the Card Customer Maintenance screen You can invoke the Card Customer Maintenance screen by typing STDCUSTM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Card Customer Maintenance Web Page Dialog Customer Detail Branch Code CHO Customer ID Customer Hame input By DOCTMG Date Time Modification number open Auahorized By Dat Tim WB Ee Specify the following details in this screen Branch Code The branch code gets defaulted here Customer ID Select the customer ID from the adjoining option list The option list displays all the customers maintained in the system Customer Name The customer name gets displayed on selecting the customer id However yo
12. ink a given card type to a card product You are not able to link multiple card types to same card products Card products are linked in Debit Card Product Maintenance to uniquely identify the card nature that is requested e Card Status Maintenance Card status has to be defined as card applied closed card issued activated and blocked e Card Customers Maintenance Card customer should be maintained e Card Accounts Maintenance This maintenance is required for creating the customer account who wishes to avail the card e Card Requests Maintenance This is the master table which stores the card request and further life cycle details 2 1 ORACLE 2 2 Process Flow The following flow diagram depicts the working of the Debit Card Interface Define Card Define Card Define Card Bins with T Customers Status Limits a Define Card P Accounts Define Card Products Create Debit Card Request Maintenance Card Bin Type Product Limits Customer Account Status Card Status Query Card Production Handoff File Card Status Update 2 2 ORACLE 2 3 Maintaining Card BIN You have to create Card BIN maintenance for every issuer product that the bank wishes to provide to customers You can maintain the details of the card BIN in the Card BIN Maintenance screen You can invoke the Card BIN Maintenance screen by typing STDBINMT in
13. list 2 8 1 Viewing Cards Summary In query mode you can click Cards button to see the summary of the cards related to the account 2 10 ORACLE If Card Management System needs extra fields the same can be maintained as UDFs using the Fields screen Click Fields Button to invoke the Fields screen Fields Web Page Dialog System validates the following if any card customer is open at customer closure level if any card customer is open that card customer needs to be closed before customer closure if any card customer is closed during customer reopen if the customer is closed system will not allow the card customer to be reopened 2 9 Maintaining Card Master Details The life cycle of the card is maintained using the Card Master Maintenance screen right from raising card request to the card expiry renewal You can invoke the Card Master Maintenance screen by typing STDCRDMGS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button This is the master table which stores the card request and further life cycle details This screen is used for the following To create new card requests To amend the card status manually or through online upload To query the Card to accounts Account to Cards linkages by Oracle FLEXCUBE To generate the handoff file new card requests To generate the renewal file 211 ORACLE D Card Master Mainte
14. nance Web Page Dialog Ea Allg aber Cie ae ate Ci pare Cad hae hana Cn Cad MA AA LE Primary Gard he avl fh eet Shey Garer E Tyre F al i mrd Paice h FETE fel Fi are Number BTG ri Tegne Mamie 1 wd eh f Rekord Hiker D byger Lest Shaun Uodebed 7 Lonel Pipher I wd dpa ete T Pirie Lan Gpo APPLE ard bp pust ae Ferafe AT Lard Lied Hearts ATV Guri Lend Peenote ATM Amiri Lind Specify the following details Branch Code Branch code gets defaulted to current branch Card Product Specify the product code of the card Request Reference Number This is a system generated number This reference number is used while doing updates based on response from CMS Customer No Specify the customer number in case of request renewal Account No Specify the Customer Account Number It is validated against the customer account marked with ATM Facility Card BIN Select the Card BIN from the option list Customer As part of specifying the details pertaining to customer you can specify the following Name on Card Customer name gets displayed as maintained in Card Customer Maintenance screen However you are allowed to modify it 9 12 ORACLE Owner ID Type Specify the type of ID produced For example PAN Passport DL etc Owner ID Number Specify the identification number of the applicant Additional Holder ID Type Specify the type of ID produced by additional holder For example PAN
15. rdholder or not Card Status Specify the status of the card e g Active Blocked etc Last Status Change Date Specify the date of last status change Last Operation Specify the last operation done on card Renewal As part of the details pertaining to renewal you can specify the following Remarks Specify comments if any Renewal Unit Renewal unit gets defaulted here Renewal Cycle Renewal cycle gets defaulted here ATM The following details are displayed ATM Limit Unit ATM Limit Unit gets defaulted from BIN ATM Count Limit ATM Count Unit gets defaulted from BIN 2 14 ORACLE AMT Amount Limit AMT Amount Unit gets defaulted from BIN Remote ATM Limit Unit Remote transactions allowed through ATM unit gets defaulted Remote ATM Count Limit Remote transactions unit allowed through ATM gets defaulted Remote ATM Amount Limit Remote transactions allowed amount through ATM gets defaulted POS The following details are displayed POS Limit Unit POS Limit Unit gets defaulted from BIN POS Count Limit POS Count Unit gets defaulted from BIN POS Amount Limit POS Amount Unit gets defaulted from BIN Remote POS Limit Unit Remote transactions allowed through POS unit gets defaulted Remote POS Count Limit Remote transactions unit allowed through POS gets defaulted Remote POS Amount Limit Remote transactions allowed amount through POS gets defaulted 2 15 ORACLE 2 10 Generating Card
16. the following values e Year e Month e Week e Day ATM Count Limit Specify the number of ATM transactions allowed for the unit defined for ATM ATM Amount Limit Specify the maximum permissible amount for the unit defined for ATM Example Specify 1000 to indicate 1000 account currency per unit Remote ATM Limit Unit Select the unit of ATM Limit count for transactions control for transactions done from ATMs outside the bank network from the adjoining drop down list This list displays the following values e Year e Month e Week e Day Remote transaction means transactions done outside the bank network For example an ATM transaction done in ICICI ATM using CITIBANK debit card Remote ATM Count Limit Specify the number of ATM transactions allowed for the unit defined for remote ATM Remote ATM Amount Limit Specify maximum permissible amount for the unit defined for remote ATM Example Specify 1000 to indicate 1000 account currency per unit POS Limit Specify the following details pertaining to POS limit 2 4 ORACLE POS Limit Unit Select the unit of POS Limit count for transactions control from the drop down list This list displays the following values e Year e Month e Week e Day POS Count Limit Specify the number of POS transactions allowed for the unit defined for POS POS Amount Limit Specify the maximum permissible amount for the unit defined for POS Example Specify 1000 to indic
17. u are allowed to change the customer name Based on this the customer name will appear in the card master screen If Card Management System needs extra fields the same can be maintained as UDFs using this screen Click the UDF button to maintain User Defined Fields for the CMS System validates the following e if any card customer is open at customer closure level if any card customer is open that card customer needs to be closed before customer closure e if any card customer is closed during customer reopen if the customer is closed system will not allow the card customer to be reopened 2 9 ORACLE 2 8 Maintaining Card Accounts You can maintain the customer accounts which can be linked to cards in the Card Accounts Detail screen Also you can view the various cards attached to the same account using this screen You can invoke the Card Accounts Detail screen by typing STDCARDA in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Card Accounts Detail Web Page Dialog Branch Code Customer 5 Customer Account Humber Fields Carda p By Date Time Modification Humber open Authorized By Date Time suticeized Specify the following details in this screen Branch Code Specify the branch code Customer ID Select the Customer ID from the option list Customer Account Number Select the customer account number from the option
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