Retail Teller Version-1.0 9NT1399
Contents
1. 6 1 61 DEBIT AND CREDIT ADVICES FOR RETAIL TELLER MODULE SERV ERAN KV ep et 6 1 6 1 1 Debit Advice Format Retail Teller Module essen nennen nennen 6 1 6 1 2 Credit Advice Format Retail Teller Module eese nnne nnne nnn 6 2 6 1 5 Accounting Entries for Loan Repayment by Cash 6 3 6 1 4 Accounting Entries for Loan Disbursement Dy 6 3 7 RETAIL TELLER GLOSSARY 7 1 7 1 LIST OF IMPORTANT TERM S rssassssssssssssssssassssssssssssssssssssssssasssssssssssssssssssssssssssssass 7 1 ORACLE 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 this 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 m2. Product Code Override Limit Product Description 1721 Stop Limit Report Module RT Rate Code Retail Teller Rate Type Preffered Ll Description Slogan Product Group Product Group Description Start Date End Date Remarks Preferences UDF Cash Plan Symbols Maker Date Time Mod No El Authorized Cancel 7 Cancel Checker Date Time Open 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 Specifying the Product Type Indicate if the product that you are creating is cash based or non cash based From the drop down list in the Product Type field select Cash from the list to indicate a cash type product or select Others to indicate a non cash type product 3 1 ORACLE 3 1 1 Spe
3. and the base amount is AMOUNT the system computes the charge for all cash plan symbols based on the other criteria In this case if a special computation mechanism exists for a particular cash plan symbol in the same rule the condition with cash plan symbol as will take the remaining cash plan symbols CP Sub Symbol Based on the cash plan symbol specified the system displays the cash plan sub symbol You can select ALL to apply all sub symbols of the selected cash plan symbols to the special condition 4 8 ORACLE Basis Tag Specify the basis tag The system calculates the charge based on this tag The option list displays the following basis tags e PART AMT Partial amount entered for a cash plan symbol e OLD NOTE AMT Old notes amount with charges e SMALLNT AMT Small notes and coins TXN AMT Transaction amount Choose the appropriate one Charge Type opecify the type of charge applicable to the special condition The drop down list displays the following options e Percentage e Flat Rate e Interest Choose the appropriate one Slab Type Specify the slab type applicable to the special charge condition Charge Amount If you have chosen Flat as the charge type you need to specify the charge amount here Rate If you have chosen Percentage as the charge type you need to specify the charge rate here You can add more rows and define special conditions for different combinations o
4. 20 USD For CP2 196 of 2000 USD 20 USD For 1 of 500 USD 5 USD Total Charge 20 2045 45 USD Example Consider the following charge computation for charge rule 1 4 10 ORACLE 4 2 Customer Customer Cash Plan Basis Amount Charge Charge Category Symbols Type Amount Rate Suppose that the transaction has three cash plan symbols CP1 1000 USD CP2 2000 USD CP2 500 USD Transaction amount 3500 USD The system calculates the charge as follows For transaction amount 1 of 3500 USD 35 USD Total Charge 35 USD Maintaining Operation Codes You can maintain operation codes to identify different types of cash transactions that involve foreign currencies To invoke Operation Code Maintenance screen type CSDOPNCD in the field at the top right corner of the Application tool bar and click the adjoining arrow button Operation Code Maintenance Detailed Web Page Dialog Product Type Dr Account Type Cash Account Cr Account Type Cash Account Dr Currency Foreign Currency Cr Currency Foreign Currency Operation Code Description Checker Date Time m 22 You need to maintain the following details Product Type Specify the product type The option list displays all valid product types available for selection Choose the appropriate one Dr Account Type Specify the debit account type The system considers the debit account type to derive the operation code during transa
5. Entries Date Time Authorized By Date Time Contract Status Authorized 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 17 ORACLE 4 5 1 1 Viewing Transaction Leg Details Here you can view the following details Transaction Currency Transaction Branch Transaction Account Transaction Amount Transaction Code 4 5 1 2 Specifying Offset Leg Details Offset Currency Offset Account Branch Offset Account Offset Amount Transaction Code 4 5 1 3 Viewing Instrument Codes You can view the following details here Value Date Exchange Rate Local Currency Exchange Rate Local Currency Amount Narrative Track Receivable 4 5 2 Generation of Advices for Retail Teller Transactions 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 5 Annexure A 5 1 Mapping Oracle FLEXCUBE Branch Functions to Retail Teller Products Oracle FLEXCUBE provides inbuilt retail teller products in the Ret
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7. 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 3 2 ORACLE Retail 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 Denomination Tracking Required Check this box to indicate that denomination details need to be captured at the transaction level If you check this option you need to enter the denomination details in RT Common Transaction screen before saving a transaction After checking this box when you try to save a transaction associated with this product the system will prompt you to enter the denomination details Tills Required Check this box to indicate that till needs to be updated for the transactions associated with the product Before you check this box ensure that the option Denomination Tracking Required is checked Otherwise the system will not allow you to save the product Default Cash Plan Symbol Specify the default cash plan symbol for the product The option list displays all valid cash plan symbols maintained in the system Choose the appropriate one The system will default thi
8. DE 3 2 3 1 2 Spec YING Casi AN symbol eraren EREE EE ARE AEE 3 4 4 MAINTAINING ACCOUNTING DETAIL S 4 1 4 1 PARODU T u au nanum sassa sui 4 1 4 1 2 Defining Special Conditions fOr 4 7 4 2 MAINTAINING OPERATION CODBS 4 11 4 3 MAINTAINING CASH PLAN SYMBOLS ccccscccsccsccsccsccsscsscesccscescesscsscsscescescescesscsscsscescescessesscsscescescesceess 4 13 4 3 1 Viewing Cash Plan Symbol Summary 4 13 4 4 MAINTAINING COLLECTOR INFORMATION sccseccsccsccsccsscssccsccscescesccsscscescessessessesccescessessescesceuscusceseenss 4 14 4 4 1 Viewing Collector Information Summary eese enne nennen inr n nnne 4 16 4 5 VIEWING TELLER TRANSACTIONS 0 cscccssccscccsccssccscccsccssccssceccessccsscesccsscessccscesccessceesesscesseescesscesseeecenecs 4 17 4 5 2 Generation of Advices for Retail Teller Transactions 4 18 5 ANNEXURE u u 5 1 5 1 MAPPING ORACLE FLEXCUBE BRANCH FUNCTIONS TO RETAIL TELLER PRODUCTS 5 DRE fe
9. Retail Teller Version 1 0 INT1399 ORACLE FC UBS V UM 11 0 RU 1 0 0 0 December 2010 Oracle Part Number 51712 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG Created on October 01 2008 Revision No Final Updated by Documentation Team Reviewed by Approved by Software Quality Development Testing teams Assurance Team Updated on December 23 2010 Reviewed on December 23 Approved on December 23 2010 2010 ORACLE Retail Teller Table of Contents J ABOUT u EUER S u u IUE TUS u u v CIS Pes Id po 5 2 1 1 1 1 IO iO A a pers ace ees D 1 1 1 2 BTE E L iu REO 1 1 1 3 O hZ ON arses eee et 1 1 1 4 RELATED DOCUMEN 1 1 1 5 dad e COINS ar cre eats ste ee ce eset 1 2 2 RETAIL TELLER MODULE AN OVERVIEWN 2 1 2 1 AI IPS 2 1 2 1 1 Shadow Processing in Retail 2 1 3 MAINTAINING RETAIL TELLER PRODUCT TIS 3 1 3 1 Sl OPI al IO are ME DIR E EIE 3 1 3 1 1 BUCO YING Product EN
10. ail 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 Fast Path 1008 Miscellaneous Customer MSCD Debit 1015 Funds Transfer Request FINT 5 1 ORACLE Branch Function Description Retail Teller Module Product Transaction Code Fast Path 1018 Miscellaneous Customer CDNT Debit NoCOT 1408 Miscellaneous Customer MSCC Credit 8309 BC Liquidation Against BCLA Account 8310 DD Liquidation Walk In DDLW 8311 DD Liquidation against GL DDLG Account Bankers Cheque 5 2 ORACLE Branch Function Description Retail Teller Module Product Transaction Code Fast Path DD Liquidation Against DDLA Account Manual Loan Disbursement LDCH by Cash Manual Loan Repayment by LRCH Cash DD Liquidation against GL DDLG 5 3 ORACLE 6 1 6 1 1 6 Annexure B Debit and Credit Advices for Retail Teller Module The advice types that are available for the Retail Teller module are the debit and credit adv
11. an symbols on a product and maintain a list of allowed and disallowed symbols using CP Allowed screen To invoke the screen click Cash Plan Symbols button on the product maintenance screen E CP Allowed Web Page Dialog CP Allowed C Allowed Disallowed CP Symbole CP Desciption CP Sub Symbol Allowed Disallowed Indicate whether the list of cash plan symbols will be allowed or disallowed for the product This restriction will be applicable to all transactions associated with this product CP Symbol Specify the cash plan symbol to be restricted The option list displays all valid cash plan symbols maintained in the system Choose the appropriate one Based on the restriction type the system allows disallows the symbol that you choose here Click add button to add more rows to the list of cash plan symbols The restriction will be applied to all cash plan symbols that you specify CP Sub Symbol The system displays the cash plan sub symbol based on the CP symbol chosen CP Description The system displays the description of the cash plan symbol Once you have captured the details click OK button to navigate back to the product maintenance screen 3 4 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 t
12. ce 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 preferences 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 record
13. cifying Product Preferences You can maintain preferences for teller products from the Product Definition Main screen Click Preferences button to invoke the Retail Teller Product Preferences screen 7 Preferences Webpage Dialog l Product Code Product Description Transaction Limit Block Expiry Days payments allowed Reversal Includes Charges Cash GL Posting Allowed Partial Reversal Allowed Track Receivable Switch Product Denomination tracking required required Default Cash Plan Symbol Sub Symbol Thru Tranait Conw Acc Thru Conversion Acc Y Transit GL Value Date Credit Value Spread Debit Value Spread 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 Refer to the Core Entity User Manual for details 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
14. count 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 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 4 2 ORACLE 4 1 1 2 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 valid customer account here In such 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
15. ction processing The dropdown list displays the following account types 4 11 ORACLE e Old Notes Cash Account e Cheque GL Account e Suspense GL Account e Customer Account e Others Choose the appropriate one Cr Account Type Specify the credit account type The system considers the credit account type to derive the operation code during transaction processing The dropdown list displays the following account types e Old Notes Cash Account e Cheque GL Account e Suspense GL Account e Customer Account e Others Choose the appropriate one Dr Currency Specify the debit currency The system considers the debit currency to derive the operation code during transaction processing The dropdown list displays the following account types e Foreign Currency e Any Currency Choose the appropriate one Cr Currency Specify the credit currency The system considers the credit currency to derive the operation code during transaction processing The dropdown list displays the following account types e Foreign Currency Any Currency Choose the appropriate one Operation Code Specify a unique code to identify this operation Based on other parameters the system derives this operation code for transaction such as withdrawals receipts conversions etc Description Enter a brief description as to the nature of the operation Once you have captured the details save the maintenance These details need to be verified a
16. e Collector Details Summary screen type CSSCOLDT the field at the top right corner of the Application tool bar and click the adjoining arrow button Collector Details summary Webpape Dialog Advanced Search 1 of 1 4 16 ORACLE You can search the records based on one or more of the following parameters e Authorization Status e Record Status e Collector ID e First Name e Last Name e Document Type e Department Specify the details against relevant fields and click Search button The system displays the records that match the search criteria Double click a record to view the detailed screen 4 5 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 invoke this screen by typing DEDQUERY the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Retail Teller Transaction Query Web Page Dialog Main Charges Route Code Route Description Reference Number Tanked Transaction Product User Reference Number Related Customer Branch Code Currency Account Amount Branch Transaction Cor Transaction Leg Offset Leg Instrument Code Debit Exchange Rate Transaction Date Credit Local Currency Amount Value Date Local Currency Exchange Rate Repair Reason Narrative Track Receivable MIS UDF Settlement Accounting
17. e 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 retail teller products in the Retail Teller module for retail teller transactions entered through an 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 For an exhaustive list of these products and their associations with the corresponding functions in the Oracle FLEXCUBE Retail branch refer the Annexure A 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 throu
18. ed here First Name Specify the first name of the collector Middle Name Specify the middle name of the collector Last Name Specify the last name of the collector Document Type Specify the type of document applicable for the collector The option list displays all valid document type maintained in the system Choose the appropriate one Description The system displays the description of the document type specified above Series Enter a serial number for tracking the document Number Specify the document number 4 15 ORACLE Code Specify the document code Date of Issue Specify the date of issue of the document Click the adjoining button to choose a date from the calendar Issuing Authority Specify the name of the authority which issued the document Place of Issue Specify the place at which the document was issued Department Specify the name of the department which issued the document Once you have captured the details save the maintenance The record needs to be authorized by a different user before it could be used in a transaction Deletion of a record is permitted before first authorization However you can amend the information about the collector at any stage The collector details maintained here are further used in retail teller transactions 4 4 1 Viewing Collector Information Summary You can view the summary of all collector records maintained in Oracle FLEXCUBE To invok
19. er 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 You can maintain any one of the following as the Rate Type Buy e 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 15 a Flat Amount The flat amount will be collected in the currency that you have specified in the Currency Code field 4 6 ORACLE Rate If you have indicated that the charge should be a percentage of the transaction amount you 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 860 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 capt
20. f the above values Once you have captured the details click S button against a specific special condition to define the slab charge details E Slab One Web Page Dialog Value Charge Value2 Charge2 Values Charge3 Valued Charge4 Values Charges EI You need to capture the following details 4 9 ORACLE Value Specify the value of the slab Charge Specify the charge applicable to the corresponding slab value Once you have captured the details save the maintenance For all charges at cash plan level the basis amount for charge computation will be the partial amount of the cash plan symbol Standard charge can be based on a list of cash plan symbols The list of cash plan symbols will have an override rate that will be applicable if the transaction partial amount works on cash plan symbols The system picks up the charges on the basis of customer category and customer number Specific conditions based on cash plan symbols and old notes can be setup after this level for all applicable customer categories and customer numbers Example Consider the following details Charge computation for charge rule 1 Customer Customer Cash Plan Basis Charge Charge Category Symbols Amount Type Amount Rate Cash plan symbols and the partial amounts are given below CP1 1000 USD CP2 2000 USD CP2 500 USD Transaction Amount 3500 USD The system calculates charge 1 as follows For CP1 296 of 1000 USD
21. g entries passed for the manual repayment of loan by cash EVENT ACCOUNTING ROLE AMOUNT TAG OFFSET ACCOUNT The INIT GL for Cash OFS AMT INT DR_SETTL_BRIDGE TXN_AMT Accounting Entries for Loan Disbursement by Cash Following are the accounting entries passed for the manual repayment of loan by cash EVENT ACCOUNTING ROLE AMOUNT TAG INIT CR_SETTL_BRIDGE TXN_AMT OFFSET ACCOUNT The GL INIT for Cash OFS AMT 6 3 ORACLE 7 1 7 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 indicates 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 use
22. gh the ARC Maintenance Refer the head Maintaining Accounting Details for Retail Teller Transactions in this chapter for information about the ARC Maintenance Shadow Processing in Retail Teller Shadow processing is a feature that facilitates accounting for the same transaction based on different GAAPs To facilitate this accounting entries of certain events in the Retail Teller module will be handed off to a second schema which is the shadow schema The shadow schema has a GAAP different from the one in which the original operation is carried out the main schema This ensures that accounting is done in accordance with both GAAPs for operations requiring such accounting treatment Refer the chapter Shadow Processing in the Shadow Processing User Manual under Core for more details 2 1 ORACLE 3 1 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 Webpage Dialog Exchange Rate Variance in
23. ght corner of the Application tool bar and click the adjoining arrow button 4 13 ORACLE 4 4 Cash Plan Symbol Maintenance Summary Webpage Dialog Advanced Search You can query for cash plan symbol records based on the following criteria Authorization status of the maintenance authorized or unauthorized Status of the record open or closed Cash plan symbol Cash plan sub symbol Cash plan description Set the search parameters and click Search button The system displays all records that match the search criteria Double click a record to view the detailed maintenance screen Maintaining Collector Information Bank employees may engage themselves in collection and delivery of cash for corporate customers For this you need to maintain customer ID for the bank employee who gets involved in the collection delivery activity and then link that ID to the corresponding transaction You can maintain the detail of a collector using Collector Maintenance screen To invoke the screen type CSDCOLDT the field at the top right corner of the Application tool bar and click the adjoining arrow button 4 14 ORACLE Collector Maintenance Webpape Dialog Collector Details Fociument Details F Date Time Mod No Ok Cancel Date Time Open Here you can capture the following details Collector ID Enter a unique collector ID This code identifies the collector whose details are maintain
24. ices generated for the debit or credit entries that would be passed to customer accounts namely DR ADVICE and CR ADVICE The formats for these advices are given below Debit Advice Format Retail Teller Module RH DEBIT ADVICE DATE PAGE PG SC _CUSTADDR1_ _CUSTADDR2 _CUSTADDR3 _CUSTADDR4 EC EH PH PAGE PG EH B CUSTOMER ID CUSTOMER ACCOUNT No ACCOUNT _ OUR REFERENCE NO CONTRACTREFNO _ USER REFERENCE NO USERREFNO _ WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF ON TRNDT 6 1 ORACLE DETAILS OF CHARGES FOR THE ABOVE TXN ARE CHARGE AMOUNT 1 _CHGAMT1_ CHGCCY1_ CHARGE AMOUNT 2 _CHGAMT2_ CHGCCY2 CHARGE AMOUNT 3 CHGAMT3 _ CHGCCYS CHARGE AMOUNT 4 _CHGAMT4_ CHGCCY4 __ CHARGE AMOUNT 5 5 _ CHGCCY5_ THE ACCOUNT BALANCE AFTER THE TXN IS _ACCBAL EB RF AUTHORIZED SIGNATORY EF 6 1 2 Credit Advice Format Retail Teller Module RH CREDIT ADVICE DATE BRN DATE PAGE PG SC _ CUSTOMER NAME _ _CUSTADDR1_ _CUSTADDR2_ CUSTADDR3 _ _CUSTADDR4_ EC EH PH PAGE PG_ EH B CUSTOMER ID CUSTOMER ACCOUNT ACCOUNT _ 6 2 ORACLE OUR REFERENCE NO CONTRACTREFNO USER REFERENCE NO USERREFNO _ WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF VALDT CCY AMOUNT EB RF AUTHORIZED SIGNATORY HEF Accounting Entries for Loan Repayment by Cash Following are the accountin
25. ing Special Conditions screen To invoke the screen click SC button from the Charge tab of ARC Maintenance screen 4 7 ORACLE le Special Conditions Webpage Dialog Special Charge Conditions T Cust Category El ih You can capture the following details this screen Cust Category Specify the customer category to which the special charge condition is applicable The option list displays all valid customer categories maintained in the system Choose the appropriate one You can apply the special condition to all customer categories by entering Cust Number Specify the customer number to which the special charge condition is applicable The option list displays all valid customer numbers that belong to the customer category selected Choose the appropriate one You can apply the special condition to all customers by entering CP Symbol opecify a cash plan symbol for the special condition The option list displays all valid cash plans symbols maintained in the system Choose the appropriate one In a charge rule if the same cash plan symbol is linked more than once the system displays a warning message You can also apply all cash plan symbols to the special condition by entering In that case if the base amount is selected as AMOUNT the system computes the charge based on the transaction amount without considering the cash plan symbols Similarly if the cash plan is
26. ion 3 ARC Maintenance Web Page Dialog I External Rate Type Offset Details Department Code Branch Branch Account Account Class Product Main Leg forthe TransactionLeg transaction Transaction Details Transaction Type a Generate Transaction Advice End Point Bank Float Days Description Currency Account Account Class Product Account Class Product Type Float Days Basis Calendar Working Transaction Code Offset Transaction Code Customer Float Days Main Transaction Code Debit Account Charge From Account Description Branch Name Description CHARGE1 CHARGE2 Basis Charge Account Transaction Code Fields Regulation Input By Authorized By CHARGES CHARGE4 Date Time Date Time Profit Reval GL Loss Reval GL Revaluation Rate Cash Plan Symbol Cash Plan Sub Symbol Rate Modification Number Liquidation Product for Demand Draft Netting Charges Reval Required E Authorized EJ Open 4 1 Management Information System Generate MT101 ORACLE 4 1 1 1 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 ha
27. nd authorized by another user 4 12 ORACLE 4 3 4 3 1 All cash operations involving foreign currency initiated from Retail Teller Transaction Input screen need to be identified by the operation codes maintained here Maintaining Cash Plan Symbols You can maintain cash plan symbols and sub symbols using Cash Plan Symbol Maintenance screen To invoke the screen type DEDCPSYM in the field at the top right corner of the Application tool bar and click the adjoining arrow button Cash Plan Symbol Maintanence Detailed Webpage Dialog Date authorized Date Tima amp open You can capture the following details on this screen CP Symbol Specify a unique numeric symbol to identify the cash plan You can use the cash plan symbols in transactions involving local currency CP Description Enter a brief description of the cash plan symbol specified above Alt Description Enter an alternative description for the cash plan symbol specified above CP Sub Symbol Specify a unique numeric sub symbol for the cash plan Once you have captured the above details save the maintenance These details need to be verified and authorized by a different user You may delete a cash plan symbol record before authorization Viewing Cash Plan Symbol Summary You can view a summary of the cash plan symbols using Cash plan Symbol Maintenance Summary screen To invoke the screen type DESCPSYM in the field at the top ri
28. odule 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 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 6 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 7 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 For an explanation on shadow processing refer the manual Shadow Processing under Core 1 1 ORACLE 15 Glossary of Icons eme Function a m Liquidate Sign off 1 2 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 referenc
29. operations You can also select the GL from the adjoining option list The list contains all the GLs maintained in the system You need to specify this if you have selected the Reval Reqd option Revaluation Rate Specify the rate that should be used for revaluation You can also select the rate from the adjoining option list The list contains all the rates maintained in the system You need to specify this if you have selected the Reval Reqd option Reval Reqd Check this box to indicate that for all cash operations the system should calculate the profit or loss on a transaction when the transaction is input This revaluation will be done for all the accounting entries in foreign currency for instance charge associated with the transaction transit amounts and so on You can maintain this option for all the following combinations Branch Code Currency BRANCH CURRENCY ALL CURRENCY mom BRANCH ALL CURRENCY ALL ALL CURRENCY ALL ALL ALL The online calculation of profit or loss for a transaction will be computed only if the following conditions are met 4 4 ORACLE e The revaluation option has been selected at the GL level in the Chart of Accounts screen for the GLs to which posting is being done transaction is done a foreign currency and the local currency amount calculated for the accounting entry based on exchange rate maintained at the ARC level differs from the one calculated f
30. or the revaluation based on the rate in the Currency Exchange Rate Maintenance screen 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 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 4 1 1 4 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 need 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 Basis You can indicate the basis amount on which the charge is to be computed 4 5 ORACLE Since you can maintain five different charge amounts the basis amount that you enter could either be the transac
31. r 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 similar features or attributes 7 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 Varian
32. ransactions involving the product In the Account Rates and Charges ARC screen you can maintain accounting information that will be used to e 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 e 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 TI in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button In the ARC 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 combinat
33. roducts 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 on the debit and credit advices please refer the Annexure B Rate Type Specify the rate type The option list displays all valid rate types maintained in the system Choose the appropriate one 4 3 ORACLE 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 Profit Reval GL Specify the GL that should be used to book profit on revaluation for cash operations You can also select the GL from the adjoining option list The list contains all the GLs maintained in the system You need to specify this if you have selected the Reval Reqd option Loss Reval GL Specify the GL that should be used to book loss on revaluation for cash
34. s The operator performs this activity during the Beginning of Day process 7 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 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 73 ORACLE ORACLE Retail Teller December 2010 Version 1 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A
35. s cash plan symbol for all contracts associated with this product However you can change this at the contract level Sub Symbol Specify the default cash plan sub symbol for the product The system will default this cash plan sub symbol for all contracts associated with this product However you can change this at the contract level Thru Transit Conv Acc Transit account is an account of the beneficiary of funds either the corporate or the bank You have to indicate whether the account enabled for the product is a transit account or a conversion account The drop down list displays the following options e Thru Transit Account If you choose this the system will enable transit accounting for the product In that case transit accounting entries will be passed using a transit GL e Thru Conv Account If you choose this the system will use the conversion account for the product None If you choose this the system will not enable any such account for the product Choose the appropriate one The system will apply this to the transactions associated with the product Transit GL If you have chosen Thru Transit Account against the field Thru Transit Conv Acc you need to specify the actual transit general ledger of the beneficiary of funds The option list displays all valid general ledgers applicable Choose the appropriate one 3 3 ORACLE 3 1 2 Specifying Cash Plan Symbol Details You can restrict the usage of cash pl
36. 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 Indicating the transaction account as the 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 7 f 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 4 1 1 3 Identifying Offset and Debit Transaction Codes In addition 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 p
37. tion 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 accounting entries for the same event are to be passed to the same account 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 ov
38. ure 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 opecify the MIS Head that is applicable for the charge related accounting entry Description You can indicate a short description for the charge CP Symbol opecify the cash plan symbol applicable to the charge The option list displays all valid cash plan symbols maintained in the system Choose the appropriate one The system will default this cash plan symbol to individual charges in contracts associated with the product However you can change the cash plan symbol at the contract level Cash Plan Sub Symbol Specify the cash plan sub symbol applicable to the charge The system will default this cash plan symbol to individual charges in contracts associated with the product However you can change the cash plan symbol at the contract level Description The system displays the description of the cash plan symbol Defining Special Conditions for Charge You can define special conditions for charge to compute charge based on cash plan symbol us
39. ve to indicate the retail teller product transactions involving which the details would apply Each product in Oracle FLEXCUBE is identified with a unique four character alohanumeric 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 Currency You must indicate the currency transactions involving which the ARC details would be applied 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 Department Specify the department code cash division The option list displays all valid department codes maintained in the system Choose the appropriate one You can also specify to apply all department codes By default the system displays However you can modify this 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 currency 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 ac
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