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Wednesday, January 30, 2013

Changing Customer ID of a Customer (CCA) in Finacle


We have already discussed creation of Customer _ID in Finacle by using CUMM Menu. lets discuss how you can change the customer ID of a Customer if customer has multiple Customer ID in multiple accounts as  during  migration,  system  allots  different  cust_ids  to  different  accounts  of  the same customer. Post migration, it may be necessary to change customer id of such accounts to make it accounts of single cut_id.

Menu option – CCA (Change Customer Id of Account)

Following Screen shows various field in this menu option.




1.  Function – M (Modify)
2.  A/c No. – Enter Account number of which cust_id need to be changed.
Press  F4.  System  will  display  the  cust_id  of  the  account  entered,  with
cursor blinking in cust_id field.
3.  Customer id – Change the customer id. Press F10 to commit.

Change in cust_id using this menu option need to be verified by other authorised
user through same menu option i.e. CCA.

Tuesday, January 29, 2013

Opening of SB and Current Account in Finacle through OAAC Menu

Dear readers,  we have already covered the topics on Customer ID creation in detail , accordingly we are presenting the process of account opening specially Savings and Current Accounts. 

To open any customer account in Finacle, customer has to have a cust ID (menu option  CUMM).  All  types  of  accounts  can  be  opened  through  the  one  menu option i.e. OAAC. Opening of new account needs verification, which can be done through OAACAU.

Mandatory options in OAAC – G (General Details) & S (Scheme Details) 
Optional options in OAAC – N (Nomination Details), A (Related Party Details) – for joint A/c holders’ details etc.


Menu option – OAAC


1.  Function – O (Open).
  • Customer ID – Enter cust id. If the short name of customer is known, type it and press F2. Select customer from the list by pressing Shift+F4.
  • Currency  –  Default  INR  (Indian  Repees)  is  displayed.  The  system  willallow to open an account in currency which have been added in customer ID (option E-Customer Currency Details).
  • Scheme Code – type SB and press F2. In the list, first all scheme codes under ‘Inoperative’  GL  subhead  will  be  listed.  Press  Control+D  (page down)  and  select  scheme  code  under  ‘Saving ’  GL  subhead ( as defined by your Bank) ,  by pressing Shift+F4.
  •  GL Subhead – system displays the GL subhead automatically.
  •  Permanent A/c No. – Nothing to be entered.
  •  Copy A/c No. – Nothing to be entered.
Press F4. Account Opening form will be displayed as shown below.


  • Acct Name : System will automatically display the name of the customer entered in Cust-ID record. System allows changing the name, but system will raise related exception after committing the verification of account. If the  user  who  is  verifying  the  account  has  sufficient  work  class,  he  can override the exception by pressing F4 and verify the account
  • Acct Short Name – This will be automatically displayed from Cust-ID. User can change the short name.
  • A/c open Date BOD date is displayed. User can change the date.
  • Special  Charge  Code  –  This  field  is  used  to  give  preferential  charges. Press F2 to see the list. Press Shift+F4 to select respective charge code.
  • Mode  of  Operation  (Mandatory)  –  Press  F2  and  select  it  by  pressing Shift+F4.
  • Location Code – Enter the population group/ area  to which customer belongs
  • e.g Metro, Urban etc as defined by your Bank . Press F2 and select it by pressing Shift+F4.
  • Account Mgr. – User ID of Bank employee who is attached to this account as relationship  manager  can  be  entered.  Only  employee  Ids  which  are available in the list can be selected. Press F2 and select it by pressing Shift+F4.
  • Cash Exception Limit Dr. -   Default values is 99999999999999.99. E.g. i .e user wishes that system should raise an exception if user tries to debit this account equal or above Rs.100000/- by cash, the user can enter 100000 in this field.
  • Cash Exception Limit Cr. - Default values is 99999999999999.99. E.g. if user wishes that system should raise an exception if user tries to credit this account equal or above Rs.100000/- by cash, he can enter 100000 in this field.
  • Clg. Exception Limit Dr. – Applicable for Debiting acount in clearing.
  • Clg. Exception Limit Cr. – Applicable for Crediting  acount clearing.
  • Xfer Exception Limit Dr. – Applicable for transfer.
  • Xfer  Exception  Limit  Cr.  –  Applicable  for  transfer. If  the  limits  as mentioned in point 15 to 20 are changed by the user, system will raise exception ‘Override Default Check’ when the user commit verification of account; if the verifying official has sufficient work class he can override the exception by pressing F4 key and authorize the account verification.
  • Remarks – free text field.
  • A/c Report Code – Default is ZERO.
  • Ledger no. – may not be necessarily filled.
  • Collect Charges – Default is Y. This means, system will collect account maintenance charges ( for example minimum balance charges etc)  as and when they are due.
  • Turnover  Details-  Default  is  N.  May  be  kept  as  it  is.  This  field  is  Y,  if customer wishes to have account turnover details.
  • Relative to Staff – Default is N.
  • Relative Staff ID – If above field is set to Y, Staff Id in this field need to be entered. The employee having the staff id entered in this field is barred from entering any transaction in this account.
Press F6 to go to Next Page.
  • Passbook/Statement  –  Valid  values  are  P-Passbook,  S-Statement,  R-Deposit Receipt, B-Both P & S, N-None.
  • Statement  –  If  ‘Passbook/Statement’  field  is  set  to  S  (Statement)  or  B (Both P&S), frequency for statement must be entered. There are five fields in statement frequency.
  • Field  1: 
         D  –  Daily,  W  –  Weekly,  M  –  Monthly,  F  –  Fortnightly,  Q  - Quarterly  H – Half   
         yearly, Y – Yearly
  • Field 2: 
        1 - First, 2 - Second, 3 - Third, 4 - Fourth week, M - Mid week L – Last Week
  • Field 3: 1-Sunday, 2- Monday… 7- Saturday & 8 - No weekly of
  • Field 4: Date of issue - 1 to 31
  • Field 5: For Holiday N – Next, P – Previous, S – Skip 
        Fields 2 & 3 are not required if frequency (field 1) is monthly, quarterly, half yearly 
        and  yearly . Fields 2 ,3 & 4 are not required if frequency (field 1) is daily and 
        fortnightly Fields 2 & 4 are not required if frequency (field 1) is weekly
  • Local Calendar – Default N. Not to be changed.
  • Dispatch Mode – Press F1 for help. Fill appropriate value as per the codes
  • defined in help.
  • Next Print Date – Enter date on which next statement will be printed.
  • Download to PBF – Default value is N. PBF stands for Positive Balance File, which required for handling offline transactions.
  • Pay Interest – Default Y, means interest will be paid for this account.
  • Collect  Interest  –  Default  Y,  means  interest  will  be  collected  from  this SF/CA account, if TOD is granted.
  • Customer Pref. Interest (Cr.) – We have already seen this field in currencym details  (option  E)  in  CUMM.  Generally,  in  OAAC  we  should  not  fill  any value in this field.
  • Customer Pref. Interest (Dr.) – We have already seen this field in currency details  (option  E)  in  CUMM.  Generally,  in  OAAC  we  should  not  fill  any value in this field.
  • Account Pref. Interest (Cr) – If user wishes to give any preferential interest in this account, over and above prevailing interest (explained in point 42) . User can enter negative value if user wishes to pay less interest.  User should select SB Staff scheme code while opening staff’s SB A/c.
  • Account  Pref.  Interest  (Dr)  –  If  user  wishes  to  charge  any  preferential interest from this account, over and above prevailing interest. User can enter negative value if user wishes to charge less interest.
  • Interest Cr A/c flag (Mandatory)– Default is S. Valid values are S-Original A/c, O-Operative A/c and T-Payment System. In most of the cases in SB A/cs, it will be S which means whenever system wants to pay interest in this account, it will credit it to this account only.
  • Interest Dr A/c flag (Mandatory)– Same as above field.
  • Int Rate Code – This code stores  interest  rate  applicable  for  general  public’s  SB  A/c.  Changes  in interest rates will be done by Data Centre. For staff A/c, this code will be automatically picked up by the system when the scheme  code  is  selected  for  staff  members.  If  the  interest  rate code or preferential interest in Dr/Cr are changed by the user, the system shall raise exception ‘Default Interest Parameter Change’ while committing the account verification; if the verifying user has sufficient work class, he can press F4 to accept the exception and verify the account.
  • Account Pegged – Default is N, means system will pay prevailing rate of interest as and when they are updated by Data Centre. This field will be Y in case of FD’s in which system will pay interest at contracted rate given while opening an FD a/c.
  • Pegging  Review  date  –  Enter  the  date  on  which  the  pegging  for  the account is to be reviewed. May not be required to change.
  • Pegging Frequency (Months/days) – Enter months and days. May not be required for SB A/c. User can press F4 to go to the Enter Option field or Press F6 to go to Next Page.
  • Contact phone – enter contact phone no.
  • Allow Sweeps - Enter Y if the sweep is allowed between accounts. 
          Interest Calc. Freq Cr and next three fields may not be entered.
  • Daily Compounding Interest – Default N.
  • Tax (TDS) details may not be required to be entered for SB A/c.
  • Press F4 to go to Enter option field.

Scheme Details (S):
  • Enter Option – Press F2, select S –Scheme Details option (5th from top)by pressing Shift+F4. Press F4 to get into scheme details. User can type S instead of pressing F2.
  •  Availing Nomination facility – default is N. Please make it Y if customer wishes to avail nomination facility in this account. After making the flag as Y, press F4 to go to Enter Option field. Other fields may not be entered, but these have been explained as below.
  •  Cheque  Allowed  –  Default  value  is  Y,  which  means  cheque  facility  is allowed for this account.
  • Charge  for  Cheque  –  Default  value  is  Y,  which  means  cheque  book charges to be levied.
  •  Return Paid Cheques – May be kept blank.If cheques are tobe returned to the customer once they are paid, this value need to be filled in as Y.
  •  Paid Cheque Return – May be kept blank. Specify the frequency at which paid cheques would be returned the customer.
  •  A/c Health Code – Press F2 and select value from the list by pressing Shift+F4.
  •  Dr. Balance Limit – The maximum debit allowed in this account. Generally 0 (zero) in Staff SB/CA type of A/cs.
  •  Max. Allowed Limit – The ceiling limit on the sanctions for this account. May be kept  0 (zero) for SB/CA accounts.
  •  Debt. Acknowledgment Date – May be kept blank in Staff SB/CA type of A/cs.
For Transferred in A/c
User can enter the details for SB/CA accounts transferred from other branches
as follows-
  • Interest Amount – Enter the pending Interest amount.
  • Dr/Cr. – Enter C if the transfer interest amount is Credit, else enter D for Debit.
  • Minimum  Balance  –  Enter  the  minimum  balance  during  the  month  of transfer which needs to be considered during next interest calculation. A/c  Balance  (0.00),  Created  By,  Created  On,  Deleted  (N)  are  display fields. These fields will be updated  by the system automatically as and when operations take place in the a/c.
  • Press F4 to go to Enter Option field.


Nomination Details (N)

Enter Option - Press F2, select N – Nomination details option (3rd from 
top) by pressing Shift+F4. Press F4 to get into nomination details. User 
can type N instead of pressing F2.
  • Enter Nominee name (Mandatory)
  • Relationship  (Mandatory)–  e.g.  Father,  Mother  etc.  Press  F2,  select 
    relationship by pressing Shift+F4.
  • Reg. No. – Registration number for nominee is default generated by the 
    system.
  • Please enter Address. (Mandatory) Two lines are available for address.
  • City (Mandatory)– Type first 2-3 characters of city name press F2, select 
    city code from the list by pressing Shift+F4.
  • State (Mandatory)- press F2, select state by pressing Shift+F4. Country i 
    default IN (India).
  • Country (Mandatory) – Default is IN (India). Need not be changed. If user 
    wishes to change, press F2 and select country by pressing Shift+F4.
  • Postal Code (Mandatory)- Enter Pin/Postal Code.
  • Nominee Minor – Enter Y if nominee is minor.
  • Date of Birth – if nominee is minor, date of birth of minor must be entered.
    Enter guardian’s details as specified in this page.
         Press F4 to go to Enter option field


Joint A/C Holders’ Details (A) –

Enter Option - Press F2, select A – Related Party details option (1st from top) by pressing Shift+F4. Press F4 to get into option details.

The  first  screen  displays  the  Main  Account  Holder’s  Details.  To  enter  joint
account holders’ details, press Down Arrow of keyboard.
  • Relation Type (Mandatory) – Press F1 for help. The help displays variousvalues for relation codes. P (Power of Attorney), A (Authorised Signatory), L (letter of Authority), J (Joint Holder), G (Guarantor) etc. Press Enter on OK button or click mouse on it. Enter the value in this field.
  • Relation Code – Press F2 and select the code from the list by pressing Shift+F4.
  • Despatch Mode – If the account is enabled for statement, system gives user the option to send the statement to related parties added through this option. Press F1 for help. Enter the despatch mode in this field.
  • Designation  Code  –  Press  F2  for  list  and  select  the  code  by  pressing Shift+F4.
  • Customer ID – If the related party (joint A/c holder) has a valid cust_id code,  enter  the  same  here.  In  that  case  other  details  of  the  party  like address need not be entered.
  • Name (Mandatory) – Enter name of the related party. This field need not be field if party’s cust_id is entered. If the cust_id of related party is not entered, Address, City, State, Country, Postal Code etc. of the related party need to be filled in If user wishes to enter one more related party details, press Down Arrow and follow the steps as described.
       Press F4 to go to Enter option field. Press F10 to commit. System will display     
       14/15/16 account number according to Banks. Sometimes user may not get last digit 
       of account on the screen. Please note it, as it needs verification.


Verification of  newly opened account
  •  The person who has opened the account through OAAC can not verify theaccount; as Maker and Checker concept is applicable in Finacle, therefore maker can not be the verifier.
  • During verification of account, no details can be changed, as all the fieldsare write protected.
  • To  modify  account  details  of  newly  opened  account,  use  menu  option OAACAU – function M (Modify).
Menu option – OAACAU
  • Function – V.
  • Temporary A/c No. – Enter the A/C No which is to be verified. User need not enter all 14/115/16 digits of account; user can enter short account no. of the account to be verified. If user forgot to note account no. after committing OAAC, user can retrieve it by pressing F2 in this field; select the account to be verified by pressing Shift+F4.
  • Permanent  A/c  No.  –  must  not  be  entered.  Press  F4  to  bring  account details. User will see General Details of account. Press F11 (Or click on Transmit button) twice to visit next page. When the user is in 3rd page, press F4 to go to Enter option field.
Options to Visit : 
  • Enter Option – type S and press F4 to visit scheme details. Press F4 to come back to Enter option field..
  • Enter Option – If the user has entered nomination details for this account, the user should visit it. Type N and press F4 to visit nomination details. Press F4 to come back to Enter option field.
  • Enter option – If the user has entered related party details like joint a/c details or authorised signatory etc, the user should visit the same. Type A and press F4 to visit Related Party Details. Press Up/Down arrow to scroll through the records. Press F4 to come back to Enter option field.
Press F10 to commit.

Summary of Options to Visit in CUMM & OAAC : 


Add
Verify
Inquiry
Modify
Verify
CUSTOMER MASTER
CUMM
CUMM
CUMM
CUMM
CUMM
Function
A
V
I
M
V
Screens to be filled
G, E




Minor
M




NRI
N




Trade Finance
Customer
T




ACCOUNT MASTER
OAAC
OAACAU
ACM
ACM
ACM
Function
O
V
I
M
V
Screens to be filled
G, S




Nomination
N




Joint Account
A







It is needless to say that your feedback are always welcome and do drop our feedback on this topic.



Thursday, January 24, 2013

Customer ID Creation and Verification (CUMM) in Finacle


As we have discussed earlier , CustID is unique to identify the all accounts of a Customer , in this series we will discuss in details :


For Creating Profile of New Customer:
Menu Option
CUMM

Go to Menu option and enter option CUMM 
Function: A (Add)   

This will open the General Details  (G) option where you have to enter all the information relates to a  Customer .















Fill  in  all  details  of  above  first  screen  i.e 
( Customer Name,  Shortname ,Type , Status As on ( Ctrl+X  for current Date) , Group, Gender, Occupation, Constitution, Staff ( If yes Staff No /Employee ID) Minor , Trade Finacle Customer ( Default N) Introducer Name  , Status , Date of Birth of Customer , Nat ID ( Optional as its customized for Banks , AADHAR NO in India, SSN no in USA ,your Country's Citizenship No /Social Security No),  Martial Status )
  
Then press F6 , it will take to next screen
 Fill in Communication or Permanent Address of above second screen . Here you might have to enter Mobile no compulsory if your Banks implements SMS alert Service for Customers , it picks the Mobile numer from this Field

 Then Press F6 which will take to next which contains  Employer  Address.  If  applicable  fill  in  the  same properly and Press F6



















As shown above in this screen you have to enter details of Community, Caste, Health Code, Tax Slab ( as set by your Bank)  and PAN / GIR details etc. and Press F6  which will take you to next screen . 

 here you enter  the financial details, customer net worth if applicable and Press F6 and enter the details such as Passport Details in next screen as shown under :

  After entering Passport details if applicable , press F6  which will take you to Free Texts Screen as shown :

As shown above 15 Free Text field are there , here you have to enter Free Text as defined by your banks ( For example few banks use Regular Free text to denotes account is regular , Some uses Yes/ No for Pass sheet/ Passbook Printing , so refer to your Bank's IT/ System Deptt.  for these Codes)

 press F6 to go on to next page which contains 10 Free Codes ,  enter free Codes as defined by your Bank , if not defined by your Bank , leave them blank.
Press F6 the system will take you over to the very first page of the customer master maintenance.

Press F4; the cursor will be placed at Enter Option Bloc. Press F2 , the system shall display the list of various options available and select E ( Customer Currency Details ) by pressing Shift+F4. The system shall display the following screen:


 Type INR (  if Your Country is India , it  will be  INR , for Dollar enter USD  else Press F2 for other Currency such EURO , etc )  and explode by Control + E.   The following screen appears:

If the customer wants to open his account in multiple currency then another currency can be added to his customer master. For adding another currency Press Down Arrow Key , the star (*) appearing just before the Currency already entered, will come down and second currency can be entered in the currency column or can be selected from the list, which appears by pressing F2, and selecting it by pressing Shift+F4 key.

 Following four fields are displayed:

1) Withholding Tax % (by default it is 0.0000)

2) Floor Limit for With Holding Tax (this is also 0.00 by default)
3) Customer Preferential % (Cr.)4) Customer Preferential % (Dr.)



Fields 1 & 2 may be filled with 0 (zero). Fields 3 & 4 may be left blank.Field 1 and 2 are not to be changed and shall remain as it is. In case of 3 & 4provided for Customer Preferential % Credit and Debit any +/- rate of interest can be given which will provide extra or less interest in case of Cr. and charge extra or less interest in case of Dr. in all his accounts opened in this customer_id.However, these fields are also not required to be filled in and shall remain unchanged.


 In case the customer is neither Minor nor NRE nor Trade Finance Customer Press F10

for final commit, else proceed to enter the details as under:



Case : Minor Customer ( As defined by Banking Laws in each Country)


If customer is a minor Enter Option - M and Press F4. Following screen will appear:
Input the Minor Details such as ( Date of Birth , Gender , Guardian Name & Addresss details)  and Press F4

Case : Trade Finance Customer 

If  the customer  is  a Trade  Finance Customer,  Enter option   T  in  the option  block  and Press F4.   Following screen appears:

Enter  the details of Trade Finance Customer ( Name, Address, City, State, Country

will appear by default) . Enter Telephone  FAX and Telex ,)


 If the customer is an NRI ( Non - Resident Indian  ) Customer ENTER N in the option block, This Applicable to Banks in India Only  and Press F4.

Press F10 to finally Commit



Customer ID will be generated and displayed on the screen as below:



Note down customer ID on the Account Opening Form and send the form for

verification:

For Verification of Customer ID
Menu Option
CUMM

 Function: V (verify), press Tab or Enter Key,
enter Customer_id generated by the system or Press F2 the system shall display list of all the customer_id created/modified pending for verification, select the customer_id (which is to be verified) by pressing Shift+F4. Press F4, the system shall display the particulars of the customer entered in General Details.Press F6, the system shall display the next page. Visit all the 7 pages of General Details by pressing F6 (six times) and check the details entered by the user.When F6 is pressed for 7 th time the system shall display the first page of General Details. Press F4, the cursor shall blink at the option block

Visit Currency Details by entering E at the option block and then by pressing F4 Explode the currency screen by pressing Ctrl+E. Press F4 twice, the cursorshall blink at the option block again.If no other details are entered, press F10 to commit. The system shall display the message ‘ Record Verified’ , which effectively means that the cust_id is verified

Following options need to be visited, during verification, for the Minor, NRE, and Trade Finance Customers.

a) In case of Minor , capture G, E and M details before verification.

b) In case of Non Resident Customer, capture G, E and details before verification.
c) In case of Trade Finance Customer, capture G, E, T, U (if applicable)details before verification.
d) P (Persons Details) can be captured wherever required.The Customer Creation and Verification is thus complete

 Other Functions in CUMM:

Purpose
Menu Option
Function
For Modification in CID
CUMM
M
For Cancel Created CID
(Only possible before verification)
CUMM
X
For  Copying details  of  an existing
Cust. ID
CUMM
C
For Suspension of CID
CUMM
D
For Revoking Suspension
CUMM
U


Hope this post will help you while dealing with Creating Customer ID for Opening accounts . Feel Free to post your feedback and suggestion.

Posts Category wise :

      CBS Manual – Finacle Menus/ Commands for your ready reference

 

·         Huge Collection of 938 Finacle Menus

·         286 Selective Finacle Menu options

·         Category wise Commonly used Finacle Menus

·         Finacle Menu options/ Commands for Bank Auditors

·         Frequently used Function keys in Finacle

 

      Customer ID & Account Opening related Menu Options / Commands

 

·         Customer ID creation and Verification in Finacle by using CUMM menu

·         Customer ID creation in finacle in short by using CUMM menu

·         Changing Customer ID of a Customer

·         Account Opening (Savings/Current) in Finacle using menu option OAAC

·         Account opening in Finacle – in short

·         Frequently asked questions related to Customer ID  and Account Opening

 

      Demand Draft / Pay Order related Menu Options / Commands

 

·         Issuing a Demand Draft using Finacle Menu options TM

·         Issuing Multiple Demand Draft / PO using Finacle menu option TM

·         Printing Demand Draft / PO using menu option DDPRNT

·         Cancellation of Demand Draft  in Finacle using menu option DDC

·         Marking a Demand Draft Lost and issuing Duplicate DD

·         Inquiry and Reports finacle Menu related to Demand Draft

 

      Miscellaneous Finacle Menu Options / Commands

 

·         Standing Instruction Maintenance using Finacle Menu Options SIM.

·         Creating a Memo Pad in Finacle Part - I.

·         Creating a Memo Pad in Finacle Part - II.

·         Deleting Memo Pad in Finacle

·         Mass Transaction Posting in Finacle using Finacle Menu option TTUM.

·         Freezing & Unfreezing of accounts in finacle using Finacle Menu AFSM

·         Passbook Printing in Finacle

·         Finacle Teller Cash account Maintenance using Finacle Menu GECM

·         Finacle Menu option TM  for Transaction Posting and Maintenance