Retail Teller User Manual
Contents
1. m Copy Save Delete G Unlock eu Print Close p Reverse n Template S Roll over ti Hold Authorize amp Liquidate Exit Sign off Help Delete row ORACLE 2 1 2 Retail Teller Module An Overview Introduction Teller transactions entered through an Oracle FLEXCUBE branch are stored in the Oracle FLEXCUBE database in the Retail Teller module The Retail Teller module of Oracle FLEXCUBE provides for the maintenance of appropriate reference information which would enable entry of teller transactions from an Oracle FLEXCUBE branch and also enable you to view and enrich transactions that have been entered through an Oracle FLEXCUBE branch In order to facilitate the entry of teller transactions through the Retail Branch the following reference information needs to be maintained at the host Oracle FLEXCUBE installation e Products in the Retail Teller module that would be used to process retail teller transactions entered through the Branch e Accounting and charges details for combinations of product customer branch and currency that will be applicable for retail teller transactions Oracle FLEXCUBE provides inbuilt products in the Retail Teller module for retail teller transactions entered through an Oracle FLEXCUBE branch These products and their associations with the corresponding functions in the Oracle FLEXCUBE Retail branch should be maintained2. Makerld Amount in words Time Checker Date TimeStamp Customer name customer address Return reason Reject Reason Cheque number 7 1 6 Accounting Entries for Loan Repayment by Cash Following are the accounting entries passed for the manual repayment of loan by cash EVENT Dr Cr ACCOUNTING ROLE AMOUNT TAG OFFSET ACCOUNT The INIT Dr GL for Cash OFS AMT INIT Cr DR SETTL BRIDGE TXN AMT 7 1 7 Accounting Entries for Loan Disbursement by Cash Following are the accounting entries passed for the manual repayment of loan by cash EVENT Dr Cr ACCOUNTING ROLE AMOUNT TAG ORACLE INIT Dr CR SETTL BRIDGE TXN AMT OFFSET ACCOUNT The INIT Cr GL for Cash OFS AMT 7 1 8 Accounting Entries on Event Class Maintenance Following are the tax accounting entries passed for the Tax Class CHDCL Cash Deposit Tax Class for the event INIT Accounting Role Amount Tag Dr Cr Transaction Code CHDCL COD CHDCL LIQD Dr ITF CHDCL COD CHDCL LIQD Cr ITF no ORACLE 8 1 8 Retail Teller Glossary List of Important Terms This section gives a list of important terms used in this manual Account Statement This specification indicates whether the transaction posted using data entry module must be made available while the statement for the account is generated Amount Item This indic
3. _CHGAMT1_ CHGCCY1_ CHARGE AMOUNT 2 _CHGAMT2_ CHGCCY2_ CHARGE AMOUNT 3 _CHGAMT3_ CHGCCY3_ CHARGE AMOUNT 4 _CHGAMT4_ CHGCCY4_ CHARGE AMOUNT 5 CHGAMT5 _ CHGCCY5 _ THE ACCOUNT BALANCE AFTER THE TXN IS ACCBAL RF AUTHORIZED SIGNATORY EF Credit Advice Format Retail Teller Module RH CREDIT ADVICE DATE _BRN DATE_ PAGE PG 5 _ _ _CUSTADDR1_ _CUSTADDR2_ _CUSTADDR3_ _CUSTADDR4_ EC EH PH PAGE PG EH B _DEPSLIPNO_ ORACLE UNITID _ CUSTOMER ID CUSTOMER _ ACCOUNT ACCOUNT OUR REFERENCE NO CONTRACTREFNO_ USER REFERENCE USERREFNO _ WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF VALDT CCY AMOUNT RF AUTHORIZED SIGNATORY EF 7 1 3 Fixed Deposit Confirmation Advice Field Tags Description Branch Branch Code Date Account Opening Date Time of Transaction Checker Date TimeStamp Customer Name Customer No Teller Makerld TD account number TD amount TD amount in words TD tenor in days Number of days between Maturity Date and StartDate 7 8 ORACLE Start date Maturity date Interest rate Interest amount Projected interest amount at the time of maturity TD Currency of the TD 7 1 4 Collection Cheque Credit Advice System would support the below mentioned advice field tags For BC DD Field
4. you have to also identify the transaction codes against which offset and debit related entries for the transaction ought to be tracked For instrument based products such as check deposit check withdrawal products you must ensure that you specify a transaction code for which check numbers are mandatory Generate Transaction Advices You can indicate that advices must be generated for retail teller transactions involving the product branch and currency combination The advice types that are available for the Retail Teller module are the debit and credit advices generated for the debit or credit entries that would be passed to customer accounts namely DR ADVICE and CR ADVICE For further information the debit and credit advices please refer the Annexure Netting Charge You have the option to net the accounting entries for the debit leg of the charges along with the main transaction entries Check this box to indicate that the debit leg of the charges is to be netted before passing the accounting entries Leave the box unchecked to pass the entries without netting the charges of the debit leg End Point In case of Outward Clearing Clearing House is derived based on the End Point maintained for the ARC combination Description End Point Description Display Only field Bank Float Days In case Bank Float Days is not maintained at the Clearing Bank Branch level it is picked up from here 4 4 ORACL
5. 3 Viewing Instrument Codes You can view the following details here 4 1 4 Generation of Advices for Retail Teller Transactions Value Date Exchange Rate Local Currency Exchange Rate Local Currency Amount Narrative Track Receivable As mentioned earlier the system generates debit credit advices if so specified in the ARC Maintenance record for the product currency and branch combination involving the transaction For an ODC transaction payment and cover messages are generated based on the route code specified The formats for the same are given in the Annexure B 4 10 ORACLE 5 1 5 2 5 2 1 5 Reports Introduction The report programs available under the Retail Teller RT module are explained in this chapter All activities that are performed by the RT module are recorded The inputs you have made different stages are pieced together and can be extracted in the form of meaningful reports as and when you may require them Every day teller doing the financial transactions print hard copy of the reports The reports that can be generated for the RT Module are as follows e Batch Journal Report e Cash Position Branch Wise e Teller Transaction Branch Wise Batch Journal Report In this BIP report you can verify the transactions done by tellers and also for tallying purpose This report lists the transactions done by a user in a day and sums up the debits and credits for the user and for reconciliation w
6. Click Preferences button to invoke the Retail Teller Product Preferences screen Preferences Product Code Product Description Transaction Limit Block Expiry Days RD payments allowed Cash GL Posting Allowed Track Receivable Reversal Includes Charges Partial Reversal Allowed Switch Product Retail Lending Product PC Transaction Track Receivable During liquidation of teller transactions if the system detects insufficient funds in the account then you can choose to block the subsequent credit that happens to the settlement account In other words the system will track the account for receivables As and when a credit happens the funds will be allocated to the teller entry depending on the product sequence that you specify at the account class level o Refer to the Core Entity User Manual for details on maintaining funds allocation sequence When you post a teller transaction to an account and there are insufficient funds in the account then the system will save the contract but the contract remains uninitiated Accounting entries will not be posted for this contract During EOD processing of these contracts when the full balance becomes available in the account the system will post the necessary accounting entries and mark the contract as liquidated Your specification for this field will default to all contracts involving the product However you are allowed to modify it at the contract level also R
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8. as per Annexure A of this User Manual No new products other than these need be maintained for such retail teller transactions You can however make changes to these inbuilt products to suit your requirements and specify any exchange rate parameters and any MIS details The accounting and charges details for combinations of product customer branch and currency that will be applicable for retail teller transactions must be maintained in the host Oracle FLEXCUBE installation through the ARC Maintenance Refer the head Maintaining Accounting Details for Retail Teller Transactions in this chapter for information about the ARC Maintenance 2 4 ORACLE 3 1 3 Maintaining Retail Teller Products Introduction To process different teller transactions you must maintain appropriate products You can maintain products using the RT Product Definition screen which you can invoke from the Application Browser You can invoke this screen by typing DEDRTPRM in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button In this screen you can enter basic information relating to a retail teller product such as the Product Code the Description etc Retail Teller Product Maintenance Product Code Exchange Rate Variance Product Description Override Limit Report Module RT Stop Limit Retail Teller Rate Code Product Type Rate Type Preferred Descr
9. the description Number of This indicates the number of transactions by teller transactions by teller for the for the product product Total amount This indicates the total amount 5 4 ORACLE 5 5 5 5 1 Currency This indicates the currency Total Commission This indicates the total charged commission charged Overage and Shortage Report This report lists the overage shortage cash transactions performed during the day for a branch You can invoke Overage Shortage Report screen by typing in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Overage shortage report Branch Code To Date Specify the following details here From Date Specify the Overage shortage transactions From Date here in the format YYYY MM DD Alternatively you can also select the date from the adjoining calendar button By default the current application date is displayed here To Date Specify the Overage shortage transactions To Date here in the format YYYY MM DD Alternatively you can also select the date from the adjoining calendar button By default the current application date is displayed here Branch Code Select the branch code from the adjoining option list The list displays all valid branch codes The list will not include any closed branches Click OK button to generate the report Clic
10. the transaction Transaction Date and Time This indicates the transaction date and time Transaction Number This indicates the transaction number Authorizer ID This indicates the authorizer Sum of Credits Debits and Commission amount of transactions Teller wise This indicates the sum of the credits debits and commission amount of transactions teller wise Cash Position Branch Wise This BIP report lists the cash position for all tellers under each currency You can invoke Cash Position Branch Wise screen by typing RTRPCCY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 5 2 ORACLE 5 3 1 The screen is shown below Cash Position Branch Wise Format Output Output O Print View 8 Spool Print At O Client Server Printer Printer PDF Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated and the module of the report Body of the report The generated report will be ordered by the Currency Teller ID Currency T
11. E Customer Float Days In case Customer Float Days is not maintained at the Clearing Bank Branch level it is picked up from here Float Days Basis Whether to consider the Calendar Days or Working Days for computing the Value Date based on the Floats maintained Transaction Offset Accounting Entry Required Check this box for posting accounting entries for charges along with main transaction entry By default the system displays the status of this box as checked However you can modify this 4 1 1 4 Indicating Exchange Rate Revaluation You can specify the following details Profit Revaluation GL Specify the profit revaluation GL details Loss Revaluation GL Specify the loss revaluation GL details Exchange rate values are maintained at CCDRATES Rate type and Rate code preferred is maintained at product level and Negotiated cost rate is maintained at transaction level The Revaluation amount Transaction amount exchange rate Transaction amount negotiated rate Where Exchange rate is picked for the rate type and rate code maintained at Product level The system will display an override message if the negotiated rate is not within the exchange rate variance maintained at the product 4 1 1 5 Defining Charge Details You can define a maximum of five charges A charge can be computed based either on the transaction amount or on an earlier charge amount As part of defining the Charge details for each charge you nee
12. Fast Path 1001 Cash Withdrawal CHWL 1009 TC Sale Against A C TCSN 1013 Check Withdrawal CQWL 1060 Miscellaneous GL Debit MGLD 1401 Cash Deposit CHDP 1409 TC Purchase Against TCPN A C 1460 Miscellaneous GL MGLC Credit 8205 TC Sale Against GL TCSG 9009 Buy Cash From Central BCCB Bank 9010 Sell Cash To Central SCCB Bank 9011 Buy TCs From AGENT BTAG 9015 Buy TCs from HO BTHO 9016 Sell TCs from HO STHO 1005 Miscellaneous GL MSGL Transfer 6 1 ORACLE Transaction Function Description Retail Teller Module Product Code Fast Path 1006 Funds Transfer FTRQ Request 1008 Miscellaneous MSCD Customer Debit 1015 Funds Transfer FTNT Request NoCOT 1018 Miscellaneous CDNT Customer Debit NoCOT 1408 Miscellaneous MSCC Customer Credit 8301 BC Issue Walk In BCIW 8302 BC Issue Against GL BCIG 8305 DD Issue Walk In DDIW 8306 DD Issue against GL DDIG 8307 BC Liquidation Walk In BCLW 8308 BC Liquidation Against BCLG GL 8309 BC Liquidation Against BCLA Account 8310 DD Liquidation Walk In DDLW 8311 DD Liquidation against DDLG GL 8312 DD Liquidation Against DDLA Account 1010 BC Sale against BCSA Account 1014 DD Sale against DDSA Account 8003 TC Purchase Walk In TCPW 8004 FX Purchase Walk in FXPW ORACLE Func
13. Retail Teller Oracle FLEXCUBE Universal Banking Release 11 3 83 02 0 April 2014 Oracle Part Number 52607 01 ORACLE FINANCIAL SERVICES Retail Teller Table of Contents 1 ABOUT THIS MANUAL P MM 1 1 1 1 INTRODUCTION eerie pa rate entendi ted ned 1 1 2 AUDIENCE 1 1 1 3 ORGANIZATION cuss repete teat eo vedi 1 1 1 4 RELATED DOCUMENTS rete nete p DID hire REUS 1 1 1595 GLOSSARY OEICONS a E rero Die eO i 1 2 2 RETAIL TELLER MODULE AN 00 200 2 1 2 1 INTRODUCTION p e 2 1 3 MAINTAINING RETAIL TELLER PRODUCTS 0 4214 44 07 esee essen enses 3 1 3 1 INTRODUCTION 3 1 3 1 1 Specifying Product Preferences ae oaa stab aeia d S 3 2 3 2 MAINTAINING REFERENTIAL ENTRY 3 3 4 MAINTAINING ACCOUNTING DETA ILS eeeeee eese eese eene tanen sesta seta suse tn sunu 4 1 4 1 56 4 1 4 1 2 Specifying Reject Details a esee eere etre ket th ie the iater te Paige biete retis 4 7 4 1 3 Viewing Teller Tr nsactio ns i ei
14. Tags Description Account number CCY Cheque amount Charges E Amount credited Net of charges Paying bank Date sent Date of issue Date realized Liquidation date Cheque number amount in words Branch name Customer name For Cheques Field Tags Description Account number CCY Cheque amount Charges 7 4 ORACLE Amount credited Net of charges Paying bank Date sent Instrument date Date realized Clearing date Cheque number amount in words Branch name Customer name 7 1 5 Collection Cheque Return Advice System would support the below mentioned advice field tags For BC DD Field Tags Description Account number CCY Cheque Amount Return Charges Returning bank Date sent Date of issue Date returned Liquidation date Branch name Teller number Makerld Amount in words Time Checker Date TimeStamp Customer name customer address Return reason Reject Reason Cheque number 7 5 ORACLE For Cheque Field Tags Description Account number CCY Cheque Amount Return Charges Returning bank Date sent Date of issue Date returned Liquidation date Branch name Teller number
15. These indicate unique identifiers maintained in Oracle FLEXCUBE for different types of cash transfers transactions within the branch A transaction code is also an identifier for each accounting entry that describes the nature i e debit or credit of the entry Transaction Limits These are limits placed on the size of a transaction that a teller is allowed to input Vault This is a safe where the physical cash assets of a bank or branch are kept A bank may maintain one or more vaults 8 3 ORACLE 9 Screen Glossary 9 1 Function ID List The following table lists the function id and the function description of the screens covered as part of this User Manual Function ID Function Description DEDQUERY Retail Teller Transaction Query DEDRTPRM Retail Teller Product Maintenance IFDATMMN ARC Maintenance RTRPBJRN Batch Journal Report RTRPCCY Cash Position Branch Wise RTRPTRN Teller Transaction Branch Wise TPROSREP Overage shortage report 1508 Referential Entry 9 1 ORACLE ORACLE Retail Teller April 2014 Version 11 3 83 02 0 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashira 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2005 2014 Oracle and or its affiliates All rights reserved Oracle
16. ates the amount entry that is passed into a general ledger sub ledger in the chart of accounts for each transaction Authorization A facility provided for the purpose of cross checking and verifying a transaction to ensure that it conforms to the parameters maintained for the branch After authorization the transaction comes into effect and will be processed by the system Authorization Amount Limit This indicates the maximum amount of a transaction that can be authorized by an authorizer user in the system Authorizer This indicates a user who authorizes maintenance information records or transactions in Oracle FLEXCUBE The authorizer cannot be the same user who created the record Batch This indicates a group of transactions of a particular type All transactions of a particular type can be authorized on a business day by authorizing the batch into which they have been grouped Branch Parameters Static information maintained for a branch containing mandatory operations and default parameters that would be specific to the branch They are also known as branch conditions Clearing Bank Codes This indicates unique identifiers maintained in Oracle FLEXCUBE for banks that are participants in a clearing house Currency Denominations This indicates discrete lots in which paper currency is available Each lot may contain one or more units of currency Customer Category This indicates a group of customers with logically s
17. ccount Class Product Float Days Basis Description Branch Name Description Customer Group Bank Code Charge 1 Basis Charge Account Transaction Code Charge Type Currency Rate Code Slab Type Account Class Product Type Calendar Working Charge2 Charge3 Charge4 Netting Their Charge Offset Details Branch Account Transaction Details Branch Account Transaction Code Offset Transaction Code Main Transaction Code Liquidation Product for Demand Draft Netting Charges Charge 5 Rate Minimum Charge Maximum Charge Rate Type Amount Description MIS Head Interest Basis Main Leg forthe transaction End Point Bank Float Days Description Customer Float Days Debit Account Charge From Account Management Information System Generate Transaction Advice Generate MT101 Exchange Rate Revaluation Profit Revaluation GL Loss Revaluation GL renis ereerence Input By Date Time Authorized By Date Time Modification Number Authorized Open It is recommended that you maintain ARC details for all possible combinations of retail teller branch product offset currency transaction currencies customer and customer group If you do not maintain specific records for each currency customer and branch combination you can use the option Product Type While maintaining the ARC details you have to indicate the retail tel
18. ces are maintained for the product which will apply to the processing of any contracts transactions or deals involving the product service Shortage Overage GL This indicates the general ledger used for posting accounting entries related to differences between actual transaction amounts and amounts available in denominations Signature Verification This indicates the process of authentication of a customer s signature It is typically enforced for transactions involving amounts exceeding a certain specified limit Teller Till Balancing This indicates the task of reconciling the physical balance in a till with the balance according to the system records The operator performs this activity during the Beginning of Day process 8 2 ORACLE Teller Type Transaction This indicates the transaction performed by a teller Cash deposits and withdrawals sale and purchase of traveler checks and clearing checks are all teller type transactions Till A cash register used by a teller for the purpose of disbursing withdrawals and receiving deposits A till is usually linked to a safe or a vault Transaction Account This indicates the account of the customer involved in a transaction For transactions in respect of which internal entries are passed it could also be a general ledger Transaction Amount Limit This is the maximum and minimum limits which represent the allowable range for the amount of a transaction Transaction Codes
19. d to capture the following details in the corresponding charge tabs Charge Type The Charge Type that should be applied on the transaction It could either be a Percentage of the transaction amount or a Flat Charge Slab type Select whether the Charge computation has to be over different Amount Slabs or Tiers 0 100 10 101 500 15 etc 4 5 ORACLE Basis You can indicate the basis amount on which the charge is to be computed Since you can maintain five different charge amounts the basis amount that you enter could either be the transaction amount or any of the earlier charge amounts For example let us assume you are maintaining Charge 1 The only basis for charge 1 can be the transaction amount While defining Charge 2 you can choose either the transaction amount or Charge 1 as the basis Similarly while defining Charge 3 you can choose the transaction amount or Charge 1 or Charge 2 as the basis Currency You can indicate the currency in which the charge amount would be expressed If the transaction currency is different from the charge currency a conversion would be done using the rate code and rate type that you specify for each charge Charge Account You can specify the charge account income expense account into which charge related entries are to be posted The other leg of the charge is posted either to the transaction or the offset account as specified in the ARC record Netting If two or more accountin
20. e currency that you have specified in the Currency Code field Rate If you have indicated that the charge should be a percentage of the transaction amount you have to necessarily capture the rate that is to be applied on the transaction amount The rate that you specify will be applied after converting the amount into the Account Currency Interest Basis Interest Computation basis 360 days 365 days etc Minimum and Maximum Charge Amount When the charge type applicable on the transaction is a percentage of the transaction amount you have to capture the minimum and maximum charge amounts that should be applied on the transaction If the charge percentage involving a particular transaction is less than the minimum charge the system will by default debit the customer account with the minimum charge amount Similarly when the charge percentage exceeds the maximum amount the system will debit the customer account with the maximum charge amount The charge amount will be deducted in the currency that you specified earlier MIS Head Specify the MIS Head that is applicable for the charge related accounting entry Description You can indicate a short description for the charge Specifying Reject Details To specify the reject account details click on the Preferences button in the ARC Maintenance screen 4 7 ORACLE ARC Maintenance preference Bank Code Local Float Days Txn Offset Accounting Entry Required Re
21. e this screen by typing DEDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Retail Teller Transaction Query Main Charges Route Code Reference Number Product ____ Related Customer Fields Currency Account Amount Branch Transaction Code Instrument Code Debit Credit GL Repair Reason Narrative Track Receivable Ds rens acci Ennes Input By Date Time Authorized By Date Time Route Description UserReference Branch Code Local Currency Amount Local Currency Exchange Rate Transaction Tanked Transaction Leg fo 9 Status Authorized Offset Leg Transaction Date Value Date In this screen you can view the following details for each teller transaction e Product e Related Customer e User Reference Number e Reference Number Tanked Transaction For more information on Tanked Transaction refer Branch Parameters chapter under Core Services module 4 1 3 1 Viewing Transaction Leg Details Here you can view the following details e Transaction Currency e Transaction Branch e Transaction Account e Transaction Amount e Transaction Code 4 1 3 2 Specifying Offset Leg Details e Offset Currency e Offset Account Branch e Offset Account e Offset Amount e Transaction Code ORACLE 4 1 3
22. ency You can also indicate the branch in which the offset account resides You can also choose the ALL option which the system interprets as the branch in which the transaction is being input Indicating the offset account as the debit account You could indicate that the offset account is to be the debit account for the transaction in teller transactions involving the product branch and currency combination To indicate this select the Offset Account option in the Debit Account field on this screen Indicating the offset account as the default charge account You could indicate that the offset account is to be the default charge account for the transaction in teller transactions involving the product branch and currency combination This means that the charges would be recovered from this account To indicate this select the Offset Account option in the Charge From Account field on this screen o If the offset account you have specified uses an account class that is restricted for debit or credit transactions for the product an override is sought when you attempt to save the contract Identifying Transaction Account You must specify the transaction account for the retail teller transaction as well as the branch in which this account resides The branch information you specify here could also be used in the case of an inter branch transaction If you wish to maintain ARC details for a specific customer you can specify a va
23. etail Lending Product Check this option to allow a retail lending loan account in the transaction Only products marked as Retail Lending Product will allow a retail lending loan account in the transaction PC Transaction Check this box to generate the PC transaction for the branch transaction under this RT product 3 2 ORACLE 3 2 Maintaining Referential Entry Transactions Oracle FLEXCUBE deposits the outward clearing instruments at the teller counter with a deposit slip The amount in the deposit slip is the sum of the clearing instruments submitted Teller will not verify individual instruments and will credit the deposit slip amount to the account immediately with retention This entry is referred as referential entry The instruments are then sent to an external agency with the deposit slip number The external agencies can also receive checks from other channel like ATM Direct deposit This agency will in turn verifies these checks and create batch file for the each instrument These batch file will be sent to the system which should create clearing contracts for each deposit slip Before processing the file the referential entry passed during day needs to be reversed For transactions after 2 PM the channels will send the booking date as the next working date Hence it will be reversed only on the next working day batch You can provide the referential entry transaction details using Referential Entry screen To invoke t
24. g entries for the same event are to be passed to the same account on the same Transaction Date these entries can be netted You can choose to net the charge leg of the Transaction Account debit entry with the main leg of the customer accounting entry Transaction Code You can indicate the code using which the accounting entries would be booked for each charge Rate Code and Rate Type While settling charges for cross currency transactions you can choose to debit the customer by applying the mid rate buy rate or by using the buy sell spread over the mid rate Therefore you need to specify the Exchange Rate details for each ARC definition record that you maintain in the system Firstly indicate the Rate Code for which different rates can be maintained A list of all the rate codes maintained in the Floating Rates Maintenance screen is displayed in the list You can choose the appropriate code In addition to specifying the Rate Code you have to indicate the Rate Type which should be picked up for exchange rate conversions involving settlement of charges for cross currency transactions 4 6 ORACLE You can maintain any one of the following as the Rate e Buy Mid e Sell After identifying the Rate Code and Rate Type you can indicate the basis amount on which charges are to be computed Amount You have to specify the flat amount only when the charge type is a Flat Amount The flat amount will be collected in th
25. his indicates the currency Till ID This indicates the till Id Teller ID This indicates the teller Id Cash position for Teller Currency wise This indicates the cash position for teller currency wise Sum of the Cash Position for the Currency This indicates the sum of the cash position for the currency 5 4 Teller Transaction Branch Wise This BIP report lists the transactions done by tellers under each product for a currency Then the sums for each currency are listed ORACLE 5 3 You can invoke Teller Transaction Branch Wise screen by typing RTRPTRN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Teller Transaction Branch Wise Transaction Date E Specify the transaction date Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser 5 4 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Branch of the report information on the branch and date the ID of the user who generated the report the date and time at which it was generated and the module of the report Body of the report The generated report will be ordered by the Teller ID Currency This indicates the currency Teller ID This indicates the teller Id Product with This indicates the product with description
26. his screen click on Teller in the Application Browser select Cheque Transactions and click on Referential Entry under it You can also invoke this screen by typing 1508 in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Referential Entry Branch Date 2012 03 01 External Reference FJB1206100007999 Transaction Currency GBP Product REFT Transaction Amount 750 00 Transaction Branch 1000 2 Deposit Slip Number 547544 Transaction Account 00000000117 2d Narrative Deposit Ref 547544 cl External Reference Number The system displays the unique reference number Product The system will display the RT product used for Referential entry Transaction Branch Specify the beneficiary account branch Transaction Account Specify the transaction account number of the beneficiary 3 3 ORACLE Transaction Currency Specify the instrument currency Transaction Amount Specify the deposit slip amount Deposit Slip Number Specify the deposit slip number Narratives Specify the remarks if any ORACLE 4 1 4 Maintaining Accounting Details Introduction After you have maintained the requisite products for retail teller transactions you must maintain the accounting information that will be used by the system to process such transactions involving the product In the Account Rates and Charges ARC screen you can maintain accounting i
27. ie ttt tentent tegere tier te ERE Ereignis 4 9 4 1 4 Generation of Advices for Retail Teller Transactions esee 4 10 LN D OIM Dr A E E A O AAE I 5 1 5 1 INTRODUCTION vcs sind aavbdeandavs 5 1 2 2 BATCH JOURNAL tee reete erae tee tee ERE aea Eere ENESE N ES 5 1 5 2 1 Contents of the Report i tie te ee AX EE ex YE ge ERHEBEN BY Ern eee e 5 1 53 CASH POSITION BRANCH 5 2 5 3 1 Contents of the Report ice ttl ei tie bo E HY EHE NEEE SEU ede ER 5 3 5 4 TELLER TRANSACTION BRANCH eene nennen nennen trennt trennen 5 3 5 4 1 Contents the m p ai N e a E SEE 5 4 3 9 OVERAGE AND SHORTAGE REPORT sscisccscsctscscseesessacseconsoseosesvessndosvscevsecnessnessdncensesscsuedaesscensessedaessevipuntenesses 5 5 5 5 1 Contents ofthe Report k 5 5 6 ANNEXURE DELE 6 1 6 1 MAPPING ORACLE FLEXCUBE BRANCH FUNCTIONS TO RETAIL TELLER PRODUCTS eese 6 1 IEEE IU ULM 7 1 7 1 DEBIT AND CREDIT ADVICES FOR RETAIL TELLER enne en enne 7 1 7 1 1 Debit Advice Format Retail Teller 7 1 7 1 2 Credit Advice For
28. imilar features or attributes 8 1 ORACLE Default Charge Collection Account The account to which the charges for the transaction will be charged This account can be defined at the product level as Transaction account or Offset account Denomination Tracking This indicates tracking currency denominations for teller type transactions at a branch Exchange Rate Type This indicates the type of exchange rate that you can specify for a product Exchange Rate Variance This indicates the difference between the default value and the changed value of an exchange rate employed for currency conversion Limits can be set for the variance Maximum Variance This indicates the limit beyond which an exchange rate cannot be changed over and above the default value and an override is not possible MIS Code This indicates a unique grouping of MIS Management Information System details such as Transaction MIS Composite MIS Cost MIS and so on maintained for management reporting purposes Normal Variance This indicates the limit within which exchange rates are allowed to be changed over and above the default value without requiring an override This limit corresponds to the minimum variance Overdraft This indicates the amount by which an account has been overdrawn Product This indicates an identifier in Oracle FLEXCUBE for any type of service that a bank offers its customers It represents a set of attributes and preferen
29. iption Slogan Product Group Product Group Description Start Date End Date Remarks Preferences mis Fields Branch Currency Restriction Maker Date Time Checker Date Time For any product you create in Oracle FLEXCUBE you can define generic attributes by clicking on the appropriate icon in the horizontal array of icons in this screen For a retail teller product in addition to these generic attributes you can specifically define other attributes These attributes are discussed in this chapter You can define the attributes specific to a retail teller product in the RT Product Definition Main screen and the Retail Teller Product Preferences screen In these screens you can specify the product type and set the product preferences respectively For further information on the generic attributes that you can define for a product please refer the Products Oracle FLEXCUBE User Manual Product Type Specify the type of product During clearing file upload all un reversed RT entries with product type RE Referential for that booking date will be reversed During parity process batch all un reversed RT entries with product type RE Referential for that booking date will be reversed 3 1 ORACLE 311 Specifying Product Preferences You can maintain preferences for teller products from the Product Definition Main screen
30. ith the vouchers and cheques for onward submission This report is generated for the current branch You can invoke Batch Journal Report screen by typing RTRPBJRN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Batch Journal Report Format PDF Output Output Print view Spool Print At O Client Server Printer Click OK button to generate the Batch Journal report click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads 5 1 ORACLE 5 3 The Header carries the Branch of the report information the branch and date the ID of the user who generated the report the date and time at which it was generated and the module of the report Body of the report The generated report will be ordered by the Teller Id Teller ID This indicates the teller Id Currency This indicates the currency Product This indicates the product Account Number with Customer Name This indicates the account number with customer name Credited amount for the transaction This indicates the credited amount for the transaction Debited amount for the transaction This indicates the debited amount for the transaction Commission charged for the transaction This indicates the commission charged for
31. ject Details Reject Account Reject Branch Reject Currency In this screen you can specify the following details Bank Code Specify the bank code of the remitter for the arc resolution Txn Offset Accounting Entry Required Check this box if transaction offset accounting entry is required Local Float Days Specify the number of local float days The specified number of local float days will be considered only if the Local clearing option is checked in the Cheque Deposit screen Reject Branch Specify the branch code of the reject account The adjoining option list displays all the valid reject account branches maintained in the system You can select the appropriate one Reject Account Specify the GL or account number of the reject account The adjoining option list displays all the valid reject account GL or account numbers maintained in the system You can select the appropriate one If arc is maintained for specific currency then current accounts of arc currency can also be maintained for Reject Details Reject Currency Specify the currency of the reject account The adjoining option list displays all the valid reject account currencies maintained in the system You can select the appropriate one 4 8 ORACLE 4 1 3 Viewing Teller Transactions You can view retail teller transactions in the Retail Teller Transaction Query screen Invoke this screen from the application browser You can invok
32. k Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads 5 5 ORACLE The Header carries the Bank Branch Run date User ID and the period for which the report is generated Body of the report The generated report will have the following information Posting Date Overage Shortage for that date User ID User who has done the overage shortage transaction CD TC Cash Traveler s Cheque Currency Currency of the transaction Overage Overage amount for the currency Shortage Shortage amount for the currency 5 6 ORACLE 6 1 6 Mapping Oracle FLEXCUBE Branch Functions to Retail Teller Products Oracle FLEXCUBE provides inbuilt retail teller products in the Retail Teller module for retail teller transactions entered through a Oracle FLEXCUBE branch These products are factory shipped and no new products other than these need be maintained for such retail teller transactions You can however make changes to these inbuilt products to suit your requirements and specify any exchange rate parameters and any MIS details An exhaustive list of these products and their associations with the corresponding functions in the Oracle FLEXCUBE branch are given below Branch Function Description Retail Teller Module Product Transaction Code
33. ler product transactions involving which the details would apply Each product in Oracle FLEXCUBE is identified with a unique four character alphanumeric code You can indicate the appropriate product It is recommended that you maintain ARC details to be applicable for each retail teller product that you set up You can select CCDM Cash and Cheque Deposit Machines product to indicate that as soon as cash is deposited it will be reflected in the customer s account A separate GL is created to differentiate this CCDM transaction Currency You must indicate the currency transactions involving which the ARC details would be applied 4 2 ORACLE 4 1 1 1 4 1 1 2 For each currency in which retail teller transactions would be processed involving the selected product you can maintain a separate set of ARC details in this screen You can also choose the ALL option under currency which the system will use if no specific record for a currency is available Customer Group Specify the customer group to define charges This adjoining option list displays all valid customer groups maintained in the system You can choose the appropriate one Input to this field is mandatory Bank Code Specify the bank code of the remitter for the arc resolution Identifying Offset Account You can specify the offset account or GL into which offset entries are to be booked as a result of the teller transaction involving the product branch and curr
34. lid customer account here In such a case the ARC record will be applicable to all retail teller transactions involving the customer product branch and currency combination that you have specified in this record in this screen Indicating the transaction account as the debit account You could indicate that the transaction account is to be the debit account for the transaction in teller transactions involving the product branch and currency combination To indicate this select the Transaction Account option in the Debit Account field on this screen 43 ORACLE 4 1 1 3 Indicating the transaction account as default charge account You could indicate that the transaction account is to be the default charge account for the transaction in teller transactions involving the product branch and currency combination This means that the charges would be recovered from this account To indicate this select the Transaction Account option in the Charge From Account field on this screen Typically for a Cash Deposit type of a transaction in which the customer account will be specified when the transaction is entered the same account would also be used to debit the charges If the transaction account you have specified uses an account class that is restricted for debit or credit transactions for the product an override is sought when you attempt to save the contract Identifying Offset and Debit Transaction Codes In addition
35. mat Retail Teller Module esee eene enne 7 2 7 1 3 Fixed Deposit Confirmation 7 3 7 1 4 Collection Cheque Credit Advice esee eee nennen enne entente trennen trennen 7 4 7 1 5 Collection Cheque Return 7 5 7 1 6 Accounting Entries for Loan Repayment by Cash 7 6 7 1 7 Accounting Entries for Loan Disbursement by Cash eene 7 6 7 1 8 Accounting Entries on Event Class Maintenance eese nennen eene 7 7 8 RETAIL TELLER 55 2 1 4 4 eese 8 1 8 1 LISTOR IMPORTANT TERM Sisaren aai e E E REOR RE 8 1 9 SCREEN GLOSSARY 9 1 ORACLE 9 1 FUNCTION ID DIST e EE VR E Ee UNES 9 1 ORACLE 1 1 1 2 1 3 1 4 1 About this Manual Introduction This manual explains the features of the Retail Teller module of Oracle FLEXCUBE which enables you to enter and process retail teller transactions entered through an Oracle FLEXCUBE retail branch Audience This manual is intended for the Customer Service Representatives CSRs and staff in charge of setting up new products in your bank Organization This manual is organized as follows Chapter 1 About thi
36. nformation that will be used to Identify the transaction account and offset account to which accounting entries arising from a retail teller transaction using the product will be posted identify whether the offset account or the transaction account must be considered to be the debit account in a retail teller transaction using the product e Identify whether any applicable charges in a retail teller transaction using the product must be paid out from the offset account or the transaction account e Compute the applicable charges that would be levied Identify the transaction codes to be used for the accounting entries In the ARC Maintenance screen you maintain accounting and charges information that would be applicable for processing retail teller transactions involving a specific branch retail teller product and specific currency combination You can invoke the ARC Maintenance screen from the application browser You can invoke this screen by typing IFDATMMN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 4 4 ORACLE In the Maintenance screen you maintain accounting and charges information known as ARC details that would be applicable when processing retail teller transactions involving a specific branch retail teller product and specific currency combination ARC Maintenance Branch Account Class Product Transaction Type Currency A
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38. s Manual gives information on the intended audience It also lists the various chapters covered in this User Manual Chapter 2 The Retail Teller Module an Overview gives you an overview of the retail teller module Chapter 3 Maintaining Retail Teller Products describes the procedure to create retail teller products for the specific services your bank offers Chapter 4 Maintaining Accounting Details explains how to set up accounting details for retail teller products in Oracle FLEXCUBE Chapter 5 Reports provides a list of reports that can be generated in this module and also explains their contents Chapter 6 Annexure A lists the inbuilt retail teller products provided for the retail teller module and the association of these products with their appropriate functions in the Retail Branch Chapter 7 Annexure B contains samples of the various types of advices and notices generated at each stage for the type of contract that the retail teller module handles Chapter 8 Retail Teller Glossary gives a list of important terms used in the module Conventions used in this Manual Important information is preceded with the symbol Related Documents For a detailed description of all the procedures in the manual please refer to the Oracle FLEXCUBE manual on Common Procedures 1 1 ORACLE 1 5 Glossary of Icons Icons Function New
39. tion Description Retail Teller Module Product Transaction Code Fast Path 8203 FX Sale Walk in FXSW 8204 TC Sale Walk In TCSW 7551 Book Shortage BKSG 7552 Book Overage BKOG 1300 Close Out Withdrawal CWBC by Bankers Cheque 1301 Close Out Withdrawal COWL 1320 Close Out Withdrawal FTRQ 8301 BC Issue Walk In BCIW 8302 BC Issue Against GL BCIG 8305 DD Issue Walk In DDIW 8306 DD Issue against GL DDIG 8311 DD Liquidation against DDLG GL 8312 DD Liquidation Against DDLA Account 5001 Manual Loan LDCH Disbursement by Cash 5401 Manual Loan LRCH Repayment by Cash ORACLE 7 1 7 Annexure Debit and Credit Advices for Retail Teller Module The advice types that are available for the Retail Teller module are the debit and credit advices generated for the debit or credit entries that would be passed to customer accounts namely ADVICE and CR ADVICE The formats for these advices are given below Debit Advice Format Retail Teller Module RH DEBIT ADVICE DATE _BRN DATE_ PAGE PG 80 CUSTOMER NAME _CUSTADDR1_ _CUSTADDR2_ _CUSTADDR3_ _CUSTADDR4_ EC EH PH PAGE PG 4B CUSTOMER ID _CUSTOMER__ ACCOUNT No _ACCOUNT_ OUR REFERENCE CONTRACTREFNO USER REFERENCE USERREFNO WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF ON TRNDT _VALDT_ _CCY_ _AMOUNT_ 7 1 ORACLE DETAILS OF CHARGES FOR THE ABOVE ARE CHARGE AMOUNT 1
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