User Manual Oracle FLEXCUBE Direct Banking Retail Inquiries

User Manual Oracle FLEXCUBE Direct Banking Retail Inquiries
Oracle FLEXCUBE Direct Banking
Release 12.0.1.0.0
Retail Inquiries User Manual
Part No. E52306-01
Retail Inquiries User Manual
Table of Contents
1. Transaction Host Integration Matrix ........................................................................................ 3
2. Introduction ................................................................................................................................ 4
3. Account Summary ..................................................................................................................... 5
4. Account Details........................................................................................................................ 13
5. Account Statement .................................................................................................................. 17
6. Account Activity ...................................................................................................................... 22
7. Spending Analysis .................................................................................................................. 30
8. Live Help ................................................................................................................................... 34
Transaction Host Integration Matrix
1. Transaction Host Integration Matrix
Legends
NH
No Host Interface Required.

Host Interface to be developed separately.

Pre integrated Host interface available.

Pre integrated Host interface not available.
Transaction Name
FLEXCUBE UBS
Account Summary

Account Details

Account Statement

Account Activity

3
Third Party Host System




Introduction
2. Introduction
The inquiries Module allows you view the consolidated details of the account like summary,
details, account activity, etc.
Through Inquiries section you can view details of CASA accounts and 360 degree view through
account summary..
.
4
Account Summary
3. Account Summary
This option allows you to view a summarized view of all your accounts and gives various details
such as the account number, the description of the account, the base currency of the account, the
current balance and the other currency equivalent of the current balance.
The option is a consolidated method of viewing all your accounts and its balances in one place.
You can get a summary of your accounts maintained with the bank. The transaction is
categorized into several sections. Each section lists a particular type of account, for example,
Current and Savings accounts, Term Deposits, Contract Term Deposits and Loans are all listed
as separate sections and the accounts you hold under each of these categories are sub-totaled
separately. The grand total of all the balances is provided at the end of the screen.
The account summary also displays the investment details of the user, for example Investment
category, current balances. Investment details will be displayed only if the customer id for private
banking is mapped to the user.
Navigate through menus, Accounts > Account Summary to view Account Summary.
5
Account Summary
Account Summary
Account Summary
Column Description
Column Name
Description
Current And Savings Accounts, Islamic Current and Savings Account, Term
Deposits, Islamic Term Deposits
Account
Description
[Display]
Currency
[Display]
Display the Accounts available under each Customer ID. Account
information displayed is Account Number, Branch of the account,
Product of the account.
Display the currency of the account.
Current Balance
[Display]
Display the current balance of the account in account currency.
Equivalent
Balance
[Display]
Display the equivalent amount of current Balance in selected
currency.
Loan Accounts
Account
Description
[Display]
Currency
[Display]
Display the Accounts available under each Customer ID. Account
information displayed is Account Number, Branch of the account,
Product of the account.
Display the currency of the account.
Sanctioned Loan
Amount
[Display]
Equivalent
Balance
[Display]
Display the current Sanctioned amount of the Loan account
Display the equivalent amount of Sanctioned Amount in selected
currency.
Islamic Financing Account
Account
Description
[Display]
Currency
[Display]
Display the Accounts available under each Customer ID. Account
information displayed is Account Number, Branch of the account,
Product of the account.
Display the currency of the account.
Account Summary
Column Name
Description
Amount Financed
[Display]
Display the Amount Financed for Islamic Financing Account.
Equivalent
Balance
[Display]
Display the equivalent amount of Financed Amount in selected
currency.
Debit Cards
Card Details
[Display]
Display the Debit Card Number.
Name on the Card
[Display]
Display the Name of the Card.
Account Number
[Display]
Display CASA account Number to which the debit card is linked.
Credit Cards
Card Details
[Display]
Display the Credit Card Number and Card Type.
Credit Limit
[Display]
Display the Credit Limit assigned to the card.
Cash Limit
[Display]
Display the Cash limit assigned to the card.
Amount Utilised
[Display]
Display utilized credit limit amount.
Available Limit
[Display]
Display available credit limit for utilization.
Expiry Date
[Display]
Display Card expiry date.
Card Currency
[Display]
Display Card Currency.
Current
Outstanding
Balance
[Display]
Credit Card
Statement
[Link]
Display Current outstanding balance for the card.
Display the link to view the Credit card statement.
Account Summary
Column Name
Description
Investment
Allocation
[Display]
Display the investment product.
Currency
[Display]
Display the currency of the investment product.
Current Balance
[Display]
Display the current Value of the investment product.
Equivalent
Balance
[Display]
Display the current value of the investment product in the Currency
selected for calculating equivalent balance.
Account Summary
Column Name
Description
Investments
[Display]
Display the investments types that you have done.
Below are the investment types that are available. As per the
Configuration, and investments done by you, it will displays various
investments.

Forex

Corpus Instrument

Cash

Gold Bars

Commodity

Portfolio Management Service

Mutual Fund

Corporate Bond

Equity

Insurance

Structured Products

Others

Current And Savings Account

Time Deposit Standalone

Specialized Product

Generic

Futures

Options

Fees transaction for Periodic fee charge

MF testing
Note: Investment section shown in above screen, will display the investment done by you. This
Investment section will be displayed only if PWM (Private Wealth Management) customer, which
is wealth management enabled, is mapped to your user.
Customer wise break up
Account Summary
Column Description
Column Name
Description
Total Portfolio
Amount
[Display]
Show Customer
wise Breakup
[Optional, Checkbox]
View Equivalent
Balance in
Currency
[Mandatory, Drop-Down]
Customer ID
[Display]
This column displays the total portfolio amount.
Click the checkbox to view customer wise breakup of the accounts.
Select the appropriate currency from the drop-down list in which
you want to view your current balances.
This column displays the customer id of the account.
Amount
[Display]
This column displays the Total amount in which the amount exists..
Distribution
[Display]
This column displays the amount in the graphical format.
Account Number
[Display]
This column displays the account number. These are the account
numbers that have been registered for internet banking.
Description
[Display]
This column displays the descriptive name of the account.
Currency
[Display]
This column displays the primary currency (base currency) in
which funds are credited/ debited in this account.
Account Summary
Column Name
Description
Current Balance
[Display]
This column displays the current balance of the account. This
balance does not include un-cleared funds stuck in clearing or
unutilized overdraft amounts.
Equivalent
Balance
[Display]
This column displays the current ledger balance in the currency
selected for calculating the equivalent balance.
1.
For viewing the Equivalent Balance in any currency select the currency and Click on the
Go button. The system will display all your current balances based on the selected
currency and display the same under the <<Currency>> Equivalent column.
2.
Click the left side menu icons to view the account details, Account summary, Ad-hoc
account statement and account activity in case of CASA and Islamic CASA Accounts
Or
Click the left side menu icons to view the Deposit details, Amend Term Deposit, Redeem
Term Deposit, Term Deposit activity in case of Term Deposit and Islamic Term Deposit
Accounts
Or
Click the left side menu icons to view the Contract Deposit details, in case of Contract
Term Deposits
Or
Click the left side menu icons to view the Loan details, Loan Schedule, Loan Repayment
inquiry, Loan Settlement, Loan Activity in case of Loan Accounts
Or
Click the left side menu icons to view the Financing details, Financing Schedule, Financing
Repayment inquiry, Financing Settlement, Financing Activity in case of Islamic Financing
account.
3.
Click on the View stamen link for viewing respective credit card statement.
4.
Click on the edit icon
the account.
5.
Click on the Set Favorite accounts link to set the Favourite accounts.
next to the account number to edit or assign the nick name to
Account Details
4. Account Details
The Account Details option provides the user to view important details of a selected Current or
Savings account. The account details can be viewed separately for each of the CASA accounts
under the various customer IDs mapped to the user.
Navigate through menus, Accounts > Savings and Current Accounts > Account Details to
view Account Details.
Account Details
Field Description
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Select the account number from the drop-down list for which the
details are to be displayed.
1.
Click the Submit button. The system displays the Account Details screen with the
account details.
Account Details
13
Account Details
Field Description
Field Name
Description
Account Details
Name
[Display]
This field displays the name of the account holder.
Opening Date
[Display]
This field displays the account opening date.
Account Number
[Display]
This field displays the account number of the customer.
Account Type
[Display]
This field displays the account type. The account type can be
Current, Savings, Term Deposit and Loans.
Account Relationship
[Display]
This field displays the account relationship of an account holder
with the account. The relationship can be sole owner, joint holder,
and so on.
Account Details
Field Name
Description
Account Status
[Display]
This field displays the account status of the account.
Branch
[Display]
This field displays the bank branch number in which the account is
getting operated.
Product Name
[Display]
This field displays the product name under which the account is
opened.
Account Currency
[Display]
This field displays the base currency of an account.
Facilities
Cheque Book
[Display]
This field displays whether the cheque book facility is provided to
an account holder or not. If the facility is provided, then it displays
"Yes", else "No".
Overdraft Allowed
[Display]
This field displays whether the overdraft facility is provided to the
account holder or not. If the facility is provided, then it displays
"Yes", else "No".
Balances
Current Balance
[Display]
This field displays the current balance in the account.
Amount on Hold
[Display]
This field displays the earmarked amount or the amount on hold in
the account.
Un cleared Funds
[Display]
This field displays the uncleared funds pertaining to the cheques
and the clearing related to the account.
Overdraft Limit
[Display]
This field displays the overdraft amount limit available for the
account.
Balance Available
[Display]
This field displays the available balance in the account.
Account Details
Field Name
Description
Minimum Balance
Required
[Display]
Net Available
Balance for
withdrawal
[Display]
This field displays the minimum balance to be maintained in the
account.
This field displays the maximum current balance a customer can
withdraw from the account.
Others
ATM Daily
Withdrawal Limit
[Display]
Eligible Advance
against Un cleared
funds limit
[Display]
2.
This field displays the maximum amount that the account holder
can withdraw per day.
This field displays the amount of eligible advance against the un
cleared funds.
Click the Account Activity button to view the account activity details (transaction history).
The system displays the Account Activity for current period screen. For more information,
refer to Transaction History/Account Activity transaction in this user manual.
Account Statement
5. Account Statement
The Account Statement option allows you to view the account statements of any account under
the customer IDs mapped to you. You can view the list of statements of individual accounts by
clicking the account number link. You can also view the details of the individual statement
numbers by clicking the statement number link.
Navigate through menus, Accounts > Savings and Current Accounts > Account Statement to
access Account Statement.
17
Account Statement
Account Statement
Field Description
Field Name
Description
Choice of
accounts
[Conditional, Dropdown]
Select the type of accounts for account statement download.
The options are
 All
 Favorites
This field is activated if at least one account is selected as a
favorite account.
Current and Savings
Account Number
[Display]
This column displays the account numbers under a particular
customer ID.
Click the desired account number link to view the corresponding
account statements.
Description
[Display]
This column displays the brief description of the account.
Currency
[Display]
This column displays the base currency of the account.
Account Statement
Field Name
Description
Current Balance
[Display]
This column displays the current balance of the account in the
base currency.
1.
Click the required link in the Account Number column to view the corresponding account
statements. The system displays the Account Statement screen.
Account Statement
Field Description
Field Name
Description
Account Details
Account Number
[Display]
This field displays the account number for which the account
statements are displayed.
Account Type
[Display]
This field displays the account type.
Statement Number
[Display]
This column displays the account statement number associated
with the selected account.
Date From
[Display]
This column displays the start date of the account statement.
End Date
[Display]
This column displays the end date of the account statement.
2.
Click the required link in the Statement Number column to view the individual account
statement details. The system displays the Account Statement screen.
OR
Click the Back button. The system displays the previous screen.
Account Statement
Account Statement
3.
Click the PDF Format button to download the statement in the PDF format
OR
Click the HTML format button to download the statement in the HTML format
OR
Click the OK button. The system displays the initial Account Statement screen
File Download
4.
Click the Open button the system downloads the statement in the selected format
OR
Click the Save button. The system saves the file in the selected location
OR
Click the Cancel button to cancel the File Download.
Account Statement
Save As
5.
Click the Save button to save the file in the desired location.
OR
Click the Cancel button to cancel the download.
6. Account Activity
The Account Activity option allows you to view and download the account activity for any CASA
account under the customer IDs mapped. You can get the transaction details based on different
transaction dates, by specifying the amount range and sorting on the transaction date, value date
and the amount.
Navigate through menus, Accounts > Savings and Current Accounts > Account Activity to
access Account Activity.
Account Activity
Field Description
Field Name
Description
22
Account Activity
Field Name
Description
Select Account
[Mandatory, Drop-Down]
Select the account from the drop-down list. It displays the CASA
account and the customer IDs under it.
Search By
[Mandatory, Drop-Down]
Select the search criteria from the drop-down list.
The options are:
No of
transactions/ No
of Days

Current Period

Today’s transaction’s

Previous fortnight

Previous Period

Specified Period

Last “n” days

Last “n” transactions

Previous Month

Previous quarter

Previous six months

Yesterdays transactions
[Conditional, Numeric, 15]
Type the number of days or no of Transaction as per the selection
done in the Search By field.
This field is enabled and displayed only when the number of days
or no of Transaction is selected in the Search by field.
Transaction Type
[Mandatory, Drop-Down]
Select the transaction type from the drop-down list.
The options are:
From Date

Both Debits And Credits

Only Debits

Only Credits

Debit Card transactions
[Conditional, Pick List]
Select the from date from the pick list. It is the start date for
displaying the transaction history.
This field is enabled, only if you select Specified Period from the
Search By drop-down list.
Account Activity
Field Name
Description
To Date
[Conditional, Pick List]
Select the to date from the pick list. It is the end date for displaying
the transaction history.
This field is enabled, only if you select Specified Period from the
Search By drop-down list.
From Amount
[Optional, Numeric, 10]
Type the from amount in this field.
To Amount
[Optional, Numeric, 10]
Type the to amount in this field.
Sort By
[Mandatory, Drop-Down]
Select the sort by order from the drop-down list.
The options are:
Sort Order

Transaction Date

Amount

Value Date
[Mandatory, Drop-Down]
Select the sort order from the drop-down list.
The options are:
1.

Ascending

Descending
Click the Submit button. The system displays the Account Activity screen with the
transaction details.
Account Activity
Account Activity
Column Description
Column Name
Description
Account Number
[Display]
This column displays the account number for which the account
activities are displayed.
Account Currency
[Display]
This column displays the base currency of the account.
Opening Balance
[Display]
This column displays the opening balance of an account prior to
the latest transaction.
Closing Balance
[Display]
This column displays the closing balance of an account prior to the
latest transaction.
Account Activity
Column Name
Description
Pages
[Display]
This section displays the different page links that can be used to
navigate to the desired set of records in the transaction list.
Click the desired page link. For example, click 2 to view the
transactions on the second page of the list, or click Last Page to
view the transactions on the last page of the list.
Transaction Date
[Display]
This column displays the date on which the transaction was
processed.
Value Date
[Display]
This column displays the value date of the transaction.
Reference
[Display]
This column displays the reference number for the transaction.
Description
[Display]
This column displays the brief description of the transaction.
Debit
[Display]
This column displays the debit amount of the transaction.
Credit
[Display]
This column displays the credit amount of the transaction.
Balance
[Display]
This column displays the balance amount remaining after the
transaction. This column is displayed only in the case of Periodic
Search and Value dated Sorting.
Select Download
Format
[Mandatory, Drop-Down]
Select the download format from the drop-down list. It is the format
in which the file is downloaded.
The options are:

Excel Format

PDF Format

QIF Format

QFX format

MT940 format
Note: MT940 Format is not the MT940 messages generated for the account but the activity
downloaded as per the Format of MT 940.
2.
Select the required download format, and click the Download button to download the file.
The system displays the File Download dialog box.
Account Activity
File Download
3.
Click the Save button to save the file. The system displays the Save As dialog box.
OR
Click the Open button to open the file. The system displays the file in the desired format.
Account Activity
Save As
4.
Navigate to the desired location where you want to save the file, and click the Save button.
The system displays the Download complete dialog box when the download is complete.
Download complete
Account Activity
5.
Click the Open button to view the downloaded file. The system displays the downloaded
file in the selected format.
OR
Click the Open Folder button to open the folder where the file is downloaded. The system
opens the folder.
7. Spending Analysis
The Spending Analysis option allows you to view the graphs, analyze the spending patterns.
You can view spending analysis in the form of pie chart (default graph) & bar graph. You can also
print and download the spending analysis along with graphs in PDF format.
Navigate through menus, Accounts > Savings and Current Accounts > Spending Analysis to
view Spending Analysis.
Spending Analysis
1. Select the customers for which the spending analysis is to be viewed.
Field Description
Field Name
Description
30
Spending Analysis
Field Name
Customer
Description
[Drop-down]
Select the customers for which the spending analysis is to be viewed
Search By
[Drop-down]
Select periodic search options available to the User.
From Date
[Date-picker]
Select the From Date for specified date.
To Date
[Date-picker]]
Select the To Date for specified date.
Category
[Drop-down]
Select the category to filter the details from the available categories.
Currency
[Drop-down]
Select the currency.
Sort By
[Drop-down]
Select the option to view specific transaction details.
6.
Click the View button. The system displays spending analysis details and its graphical
representation for selected customer.
Spending Analysis
Spending Analysis
Spending Analysis
Field Description
Field Name
Date
Description
[Display]
This field displays the date on which the transaction is done.
Customer Id
[Display]
This field displays the customer Id.
Account
[Display]
This field displays the Account number through which the transaction
is performed.
Transaction Ref. No. [Display]
This field displays the reference number of the transction.
Transaction
Description
[Display]
Amount
[Display]
This field displays the transaction description of the transaction as per
the host.
This field displays the amount for which the transaction has been
done.
Equivalent currency [Display]
Amount
This field displays the transaction amount with currency on the basis of
equivalent currency as per bank rate.
Category
[Display]
This field displays the transaction currency
.
7.
Click the
edit button to change the category of required transaction
8.
Click
9.
Click
cancel button to cancel category editing.. The system displays the downloaded
file in the selected format.
add button to add any category for required transaction.
10. Click Update Category button to update category.
8. Live Help
Using this option, you can chat or request for a call by the Oracle ATG agents for online
assistance.
This feature provides the options to the business users to interact with bank officials / call centre
executives.
1.
Below is shown for Open Term Deposit transaction. This option will be available for various
transactions.
Live Help
Open Term Deposit
2.
In the above screen, move the mouse at the right side middle section of the screen, as
encircled above. It will open a small widget/window showing the option to call, as shown in
below screen.
3.
You can chat with the agent by clicking Click to Chat option
OR
You can interact with an agent on call, by clicking Call Me option. It will direct a call to an
Agent, which then will direct the agent to call you.
4.
Below window is shown, when Call Me option is clicked.
Live Help
5.
Select the Country
6.
Enter your number. Click the Talk By Phone button. You will receive a call.
7.
You can also interact on computer by clicking Talk By PC option
Oracle FLEXCUBE Direct Banking
Retail Inquiries User Manual
October 2012
Version Number: 12.0.1.0.0
Oracle Financial Services Software Limited
Oracle Park
Off Western Express Highway
Goregaon (East)
Mumbai, Maharashtra 400 063
India
Worldwide Inquiries:
Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/
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