Retail Teller Version-1.0 9NT1399

Retail Teller Version-1.0 9NT1399
Retail Teller
Version-1.0
9NT1399-ORACLE FC UBS V.UM 11.0.RU.1.0.0.0
[December] [2010]
Oracle Part Number E51712-01
Document Control
Author: Documentation Team
Group: UBPG
Created on: October 01, 2008
Revision No: Final
Updated by: Documentation Team
Reviewed by:
Development/Testing teams
Approved by: Software Quality
Assurance Team
Updated on: December 23, 2010
Reviewed on: December 23,
2010
Approved on: December 23, 2010
Retail Teller
Table of Contents
1.
ABOUT THIS MANUAL................................................................................................................................ 1-1
1.1
1.2
1.3
1.4
1.5
2.
INTRODUCTION ........................................................................................................................................... 1-1
AUDIENCE .................................................................................................................................................. 1-1
ORGANIZATION .......................................................................................................................................... 1-1
RELATED DOCUMENTS ............................................................................................................................... 1-1
GLOSSARY OF ICONS .................................................................................................................................. 1-2
RETAIL TELLER MODULE – AN OVERVIEW....................................................................................... 2-1
2.1
INTRODUCTION ........................................................................................................................................... 2-1
2.1.1
Shadow Processing in Retail Teller ................................................................................................... 2-1
3.
MAINTAINING RETAIL TELLER PRODUCTS ...................................................................................... 3-1
3.1
INTRODUCTION ........................................................................................................................................... 3-1
3.1.1
Specifying Product Preferences......................................................................................................... 3-2
3.1.2
Specifying Cash Plan Symbol Details................................................................................................ 3-4
4.
MAINTAINING ACCOUNTING DETAILS................................................................................................ 4-1
4.1
INTRODUCTION ........................................................................................................................................... 4-1
4.1.2
Defining Special Conditions for Charge............................................................................................ 4-7
4.2
MAINTAINING OPERATION CODES............................................................................................................ 4-11
4.3
MAINTAINING CASH PLAN SYMBOLS ....................................................................................................... 4-13
4.3.1
Viewing Cash Plan Symbol Summary.............................................................................................. 4-13
4.4
MAINTAINING COLLECTOR INFORMATION ............................................................................................... 4-14
4.4.1
Viewing Collector Information Summary ........................................................................................ 4-16
4.5
VIEWING TELLER TRANSACTIONS ............................................................................................................ 4-17
4.5.2
Generation of Advices for Retail Teller Transactions ..................................................................... 4-18
5.
ANNEXURE – A.............................................................................................................................................. 5-1
5.1
6.
MAPPING ORACLE FLEXCUBE BRANCH FUNCTIONS TO RETAIL TELLER PRODUCTS............................... 5-1
ANNEXURE – B.............................................................................................................................................. 6-1
6.1
DEBIT AND CREDIT ADVICES FOR RETAIL TELLER MODULE ...................................................................... 6-1
6.1.1
Debit Advice Format (Retail Teller Module)..................................................................................... 6-1
6.1.2
Credit Advice Format (Retail Teller Module).................................................................................... 6-2
6.1.3
Accounting Entries for Loan Repayment by Cash: ............................................................................ 6-3
6.1.4
Accounting Entries for Loan Disbursement by Cash:........................................................................ 6-3
7.
RETAIL TELLER GLOSSARY.................................................................................................................... 7-1
7.1
LIST OF IMPORTANT TERMS........................................................................................................................ 7-1
1. About this Manual
1.1
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.
1.2
Audience
This manual is intended for the Customer Service Representatives (CSRs) and staff in charge of
setting up new products in your bank.
1.3
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
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
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
1.4
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
1.5
Glossary of Icons
Icons
Function
New
Copy
Save
Delete
Unlock
Print
Close
Re-open
Reverse
Template
Roll-over
Hold
Authorize
Liquidate
Exit
Sign-off
Help
Add
Delete
1-2
2. Retail Teller Module – An Overview
2.1
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:
•
Products in the Retail Teller module that would be used to process retail teller
transactions entered through the Branch
•
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, through the ARC Maintenance. Refer the head ‘Maintaining Accounting
Details for Retail Teller Transactions’ in this chapter for information about the ARC Maintenance.
2.1.1 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
3. Maintaining Retail Teller Products
3.1
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.
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
3.1.1 Specifying 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.
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 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.
3-2
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 this 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:
•
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.
•
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
3.1.2 Specifying Cash Plan Symbol Details
You can restrict the usage of cash plan 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.
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
4. Maintaining Accounting Details
4.1
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 information 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
•
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
•
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.
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 combination.
4-1
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 have 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 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.
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.
4.1.1.1 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 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.
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
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 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.
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.
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.
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 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 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
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 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
Product code
Customer
Currency
BRANCH
PRODUCT
CUSTOMER
CURRENCY
ALL
PRODUCT
CUSTOMER
CURRENCY
BRANCH
PRODUCT
CUSTOMER
ALL
BRANCH
PRODUCT
ALL
CURRENCY
ALL
PRODUCT
CUSTOMER
ALL
ALL
PRODUCT
ALL
CURRENCY
BRANCH
PRODUCT
ALL
ALL
ALL
PRODUCT
ALL
ALL
The online calculation of profit (or loss) for a transaction will be computed only if the following
conditions are met:
4-4
•
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
•
The transaction is done in 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 for 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
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 accounting 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. You can maintain any one of the following as the Rate Type:
•
Buy
•
Mid
•
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 the currency that you have specified in the Currency Code
field.
4-6
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.
CP Symbol
Specify 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.
4.1.2 Defining Special Conditions for Charge
You can define special conditions for charge to compute charge based on cash plan symbol
using 'Special Conditions' screen. To invoke the screen, click 'SC' button from the Charge tab of
ARC Maintenance screen.
4-7
You can capture the following details on 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
Specify 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 'TXN_AMOUNT', the system computes the charge based on the
transaction amount without considering the cash plan symbols.
Similarly, if the cash plan is '*.*' and the base amount is 'CP_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
Basis Tag
Specify the basis tag. The system calculates the charge based on this tag. The option list
displays the following basis tags:
•
CP_PART_AMT (Partial amount entered for a cash plan symbol)
•
OLD_NOTE_AMT (Old notes amount with charges)
•
SMALLNT_AMT (Small notes and coins)
•
TXN_AMT (Transaction amount)
Choose the appropriate one.
Charge Type
Specify the type of charge applicable to the special condition. The drop down list displays the
following options:
•
Percentage
•
Flat Rate
•
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 of the above
values. Once you have captured the details, click 'S' button against a specific special condition to
define the slab charge details.
You need to capture the following details:
4-9
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
Category
Customer
Cash Plan
Symbols
Basis
Amount
Charge
*.*
*.*
CP_AMOUNT
Percentage
1%
*.*
CP1
CP_AMOUNT
Percentage
2%
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, 2% of 1000 USD = 20 USD
For CP2, 1% of 2000 USD = 20 USD
For CP3, 1% of 500 USD = 5 USD
Total Charge = 20+20+5 = 45 USD
Example
Consider the following charge computation for charge rule 1.
4-10
Type
Charge
Amount/Rate
Customer
Category
Customer
Cash Plan
Symbols
Basis Amount
Charge
Type
Charge
Amount/Rate
*.*
*.*
TXN_AMOUNT
Percentage
1%
*.*
CP1
CP_AMOUNT
Percentage
2%
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
4.2
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.
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 transaction processing. The dropdown list displays the following account
types.
4-11
•
Old Notes Cash Account
•
Cheque GL Account
•
Suspense GL Account
•
Customer Account
•
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.
•
Old Notes Cash Account
•
Cheque GL Account
•
Suspense GL Account
•
Customer Account
•
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.
•
Foreign Currency
•
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.
•
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 and
authorized by another user.
4-12
All cash operations involving foreign currency initiated from Retail Teller Transaction Input screen
need to be identified by the operation codes maintained here.
4.3
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.
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.
4.3.1 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 right corner of
the Application tool bar and click the adjoining arrow button.
4-13
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.
4.4
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’ in the field at the top right corner of the Application tool bar and click
the adjoining arrow button.
4-14
Here, you can capture the following details:
Collector ID
Enter a unique collector ID. This code identifies the collector whose details are maintained 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
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 invoke
'Collector Details Summary' screen, type ‘CSSCOLDT’ in the field at the top right corner of the
Application tool bar and click the adjoining arrow button.
4-16
You can search the records based on one or more of the following parameters:
•
Authorization Status
•
Record Status
•
Collector ID
•
First Name
•
Last Name
•
Document Type
•
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’ 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 view the following details for each teller transaction:
•
Product
•
Related Customer
•
User Reference Number
•
Reference Number
•
Tanked Transaction
For more information on Tanked Transaction, refer Branch Parameters chapter under Core
Services module.
4-17
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.
4-18
5. Annexure – A
Mapping Oracle FLEXCUBE Branch Functions to Retail
Teller Products
5.1
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
Transaction
Fast Path
Function Description
Retail Teller Module Product
Code
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 A/C)
TCPN
1460
Miscellaneous GL Credit
MGLC
8205
TC Sale (Against GL)
TCSG
9009
Buy Cash From Central Bank
BCCB
9010
Sell Cash To Central Bank
SCCB
9011
Buy TCs From AGENT
BTAG
9015
Buy TCs from HO
BTHO
9016
Sell TCs from HO
STHO
1005
Miscellaneous GL Transfer
MSGL
1006
Funds Transfer Request
FTRQ
1008
Miscellaneous Customer
Debit
MSCD
1015
Funds Transfer Request-
FTNT
5-1
Branch
Transaction
Fast Path
Function Description
Retail Teller Module Product
Code
NoCOT
1018
Miscellaneous Customer
Debit-NoCOT
CDNT
1408
Miscellaneous Customer
Credit
MSCC
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 GL
BCLG
8309
BC Liquidation Against
Account
BCLA
8310
DD Liquidation Walk-In
DDLW
8311
DD Liquidation against GL
DDLG
8312
DD Liquidation Against
Account
DDLA
1010
BC Sale against Account
BCSA
1014
DD Sale against Account
DDSA
8003
TC Purchase (Walk-In)
TCPW
8004
FX Purchase (Walk-in)
FXPW
8203
FX Sale (Walk-in)
FXSW
8204
TC Sale (Walk-In)
TCSW
7551
Book Shortage
BKSG
7552
Book Overage
BKOG
1300
Close Out Withdrawal by
Bankers Cheque
CWBC
1301
Close Out Withdrawal
COWL
5-2
Branch
Transaction
Fast Path
Function Description
Retail Teller Module Product
Code
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 GL
DDLG
8312
DD Liquidation Against
Account
DDLA
5001
Manual Loan Disbursement
by Cash
LDCH
5401
Manual Loan Repayment by
Cash
LRCH
5-3
6. Annexure – B
6.1
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, “DR
ADVICE” and “CR ADVICE”. The formats for these advices are given below.
6.1.1 Debit Advice Format (Retail Teller Module)
#RH
DEBIT ADVICE
DATE: _BRN-DATE_
PAGE: _PG_
#SC
_CUSTOMER-NAME_
_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
------------------------------------------------------------------VALUE DATE
CCY
AMOUNT
------------------------------------------------------------------_VALDT_
_CCY_
_AMOUNT_
-------------------------------------------------------------------
6-1
_TRNDT_:
DETAILS OF CHARGES FOR THE ABOVE TXN ARE:
CHARGE AMOUNT 1:
_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_
#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
ACCOUNT
: _CUSTOMER_
: _ACCOUNT_
6-2
OUR REFERENCE NO
: _CONTRACTREFNO_
USER REFERENCE NO
: _USERREFNO_
WE HAVE EXECUTED THE FOLLOWING TRANSACTION ON YOUR BEHALF:
------------------------------------------------------------------VALUE DATE
CCY
AMOUNT
------------------------------------------------------------------_VALDT_ _CCY_ _AMOUNT_
------------------------------------------------------------------#EB
#RF
AUTHORIZED SIGNATORY
#EF
6.1.3 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
INIT
Dr
OFFSET_ACCOUNT(The
GL for Cash)
OFS_AMT
INIT
Cr
DR_SETTL_BRIDGE
TXN_AMT
6.1.4 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
INIT
Dr
CR_SETTL_BRIDGE
TXN_AMT
Cr
OFFSET_ACCOUNT(The GL for Cash)
OFS_AMT
INIT
6-3
7. Retail Teller Glossary
7.1
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 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 similar features or attributes.
7-1
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 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 records. The operator performs this activity during the Beginning of Day process.
7-2
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.
7-3
Retail Teller
[December] [2010]
Version 1.0
Oracle Corporation
World Headquarters
500 Oracle Parkway
Redwood Shores, CA 94065
U.S.A.
Worldwide Inquiries:
Phone: +1.650.506.7000
Fax: +1.650.506.7200
www.oracle.com/ financial_services/
Copyright © [2010] Oracle Financial Services Software Limited. All rights reserved.
No part of this work may be reproduced, stored in a retrieval system, adopted or transmitted in any form or by any means,
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Due care has been taken to make this document and accompanying software package as accurate as possible. However,
Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and
shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the
accompanying Software System. Furthermore, Oracle Financial Services Software Limited reserves the right to alter,
modify or otherwise change in any manner the content hereof, without obligation of Oracle Financial Services Software
Limited to notify any person of such revision or changes.
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