Configuring Client Conditions

A bank can choose to group customers based on their attributes.

To group customers,

1. Go to Admin Menu > Payments > Payment Hub > Bank System Administration > Static Data > Company Properties.
2. Set the value of the EnableCustomerGrouping field to 'Y'.

Customers can be grouped using one or more attributes from the CUSTOMER application.

By default, the system is configured to group customers using the customer’s sector, target and residence. Based on requirement, the bank can add or remove customer attributes to be used for grouping. The grouping attributes can be edited for the POR.TRANSACTION record in the Condition Priority screen.

To access this screen, go to Admin Menu > Framework Parameter > Core > Condition Priority.

The rules used for grouping customers can be configured from the Gen Conditions screen. Multiple rules can be configured, where the values for each of the fields defined in the Condition Priority screen determines the group of each customer .

To access this screen, go to Admin Menu > Payments > Payment Hub > Bank Operations Configurations > Customer Grouping Conditions.

The customer group ID configured in this screen can be attached in the Business Line or Customer Group field in the Client Charge screen.

The user can configure client specific features using various combination of input attributes in the Client Agreements page. Client conditions are configured for each company, hence, Company ID is mandatory. To perform this, do the following actions:

1. Click the Client Condition tab.

   

2. Enter the required details in the following fields:

   Field	Description
   Client Condition Product	Indicates a valid client product to create client agreement. The client product is configured as an output of Product Determination module.
   Source Product	Indicates the source where the payment originates. Configure a valid source or ‘*’. A client product can be associated with multiple sources. The bank can configure different client products for different sources or one client product for a source group.
   In batch transactions, the business line of the parent is used for debit side of child transactions. This is applicable for fields, such as Business Line, Client ID, Account Number, and Account Currency
   Business Line / Customer Group	When customer grouping is enabled, this field indicates the group ID to which the customer belongs. This customer group must be a valid entry existing in the CUSTOMER.CHARGE application. Entries in CUSTOMER.CHARGE are built based on the rules defined in the Gen Conditions application. When customer grouping is disabled, this field indicates the business line to which the customer belong. This is linked to the business line captured in the customer configurations (Target field). The user can configure a valid customer group or business line or ‘*’ in this field.
   Client ID	Indicates the customer ID created in Temenos Transact. Configure a valid customer ID or ‘*’. If a client ID is configured, the client condition becomes specific for that customer.
   Account Number	Indicates the account number that is debited or credited based on the payment. Configure a valid account number or ‘*’. If an account number is configured, the client condition becomes specific for the account.
   Account Currency	Indicates the currency of the account that is debited or credited based on the payment. Configure a valid currency code or ‘*’.
   Account Company ID	Indicates the company to which the account belongs. Configure a valid company ID or ‘*’.
   Start Date	Indicates the date from which the client condition record is active. Multiple records can be available for different activation dates. Only one record needs to be active at a time. Defaults to current date.
   End Date	Indicates the date till which the client condition record is active. Multiple records can be available for different activation dates. Only one record needs to be active at a time. Needs to be future dated

The bank users can configure multiple output attributes for each client condition. These attributes influence the payment processing by using the payment engine. The configurable output attributes are as follows.

Enter the required details in the following fields:

Language and Statement Formats

Field	Description
Language	Language in which the statement and advice is generated for the correspondent bank. Configure a valid language ID. The default value is blank.
Dr Statement Format Name	Debit account statement format. Configure a valid statement format.
Cr Statement Format Name	Credit account statement format. Configure a valid statement format.

Billing Indicator

Field	Description
Billing Indicator	Indicates whether a separate billing engine is used by bank for charges. Configure one of the following values: If a separate billing engine needs to be used, set as Y (Yes). If not, set as N (No). If the Billing Indicator is set as Y, the calculated charges are stored as informational charge in Temenos Payments.

Separate Charge Booking

Field	Description
Separate Charge Booking	Charge booking preference of the customer. Configure one of the following values: To book charges separately, set as Y (Yes). To combine post charges and transaction amount, set as N (No).

If an Operator imposes a charge account for the party for which the client conditions component is invoked, the charges need to be posted to the imposed account separately (even if set as ‘N’ in the client agreement). The client may want to have the charges posted or booked separately to the imposed charge account.

Detailed Charge Posting

Field	Description
Charge Posting in Details	Preference of the customer when multiple charges are applicable for the payment. Configure one of the following values: To post each charge entry separately, set as Y (Yes). To post one charge entry that combines all charges, set as N (No).

VAT and Tax

Field	Description
VAT on Principal	Indicates whether the customer has to pay VAT on the payment amount. Configure a VAT percentage.
VAT on Charge	Indicates whether the customer has to pay VAT on the charge amount. Configure one of the following values: To apply VAT on charge, set as Y (Yes). To not apply VAT on charge, set as N (No). If it is not applicable, set as None.
Tax ID	ID of the tax record for tax calculation. The TAX records are configured in the system by using the Temenos Transact TAX table, which has the tax rate.
Tax Type	Tax condition group for tax calculation.

• Customer grouping for tax is maintained using the TAX.GEN.CONDITION application.
• Customer group and Tax ID mapping is maintained using TAX.TYPE.CONDITION application.

Non-STP Processing

Field	Description
Non STP Flag	Configure whether the payment for the customer is processed by using STP or manual intervention. Select one of the following values: Non-STP for all transactions, set as Y. STP for all transaction, set as N. Non-STP for all credit transactions, set as C. Non-STP for all debit transactions, set as D.
STP Limit	Configure a threshold amount in home currency. If the payment amount (converted to home currency) is more than the configured threshold amount, the payment is moved to manual repair. This check is performed when non-STP is set as N (STP for all transactions).

FX Non-STP Processing

Field	Description
Non STP FX Flag	Indicates whether to process payments for the customer involving FX in STP or manual intervention (non-STP). If non-STP is configured, the payment is moved to Manual Repair status. Configure one of the following values: Non -STP for all transactions, set as Y. STP for all transaction, set as N. Non-STP for all credit transactions, set as C. Non-STP for all debit transactions, set as D.
STP FX Limit	Indicates the limit when Non STP FX Flag is set as N. Configure the threshold amount for non-STP processing in home currency. The limit is compared against the payment amount (converted to home currency). If the payment amount is more than the limit and STP FXLimit is set to N, it moves the payment to manual repair.

Special Instructions

Field	Description
Debit special instructions	Special instructions for the Operator during debit.
Credit special instruction	Special instructions for the Operator during credit.

Lead Time

Field	Description
Currencycode	Configure a valid currency code or ‘*’.
Incoming Lead Time	Incoming lead time used for date calculation.
Outgoing Lead Time	Outgoing lead time used by Routing and Settlement.

Currency, Incoming Lead Time, and Outgoing Lead Time fields are part of the associated multi-value set. It allows the user to maintain multiple currency-wise lead times.

Float

Field	Description
Debit float	Number of days to adjust the debit value date.
Credit float	Number of days to adjust the credit value date.

Status Report

Field	Description
Cust Status Report On Settlement	Indicates whether a Customer Status Report (CSR) is generated for each received and processed initiation file (where the settlement date of the bulk in file are equal to the current business date). Configure one of the following values: To not generate an ‘on settlement date’ CSR, leave the field blank. To generate a CSR with reporting of the accepted bulks and transactions, set as Ack. To generate a CSR with reporting of the rejected bulks or transactions (in addition to status or control sum information of the accepted bulks), set as Nack. If there are no rejected bulks, or transactions for settlement date equal to current business date, then generate a report with the control sum information of the accepted bulks. No accepted transactions are provided. To generate an ‘on settlement date’ CSR with both accepted and rejected bulks or transactions, set as Both. This setting overrides the corresponding setting in Source Settings.
Tran ACKNACK Indicator	Specifies whether the customer initiating payment request requires an acknowledgement from Temenos Infrastrcture bank. Configure one of the following values: To send acknowledgement when the payment is moved to completed (999), set as ACK. To send negative acknowledgement when payment is moved to cancelled (997), set as NACK. To send positive and negative acknowledgements, set as BOTH. To not send any acknowledgement, set as No.
Interim Status Indicator	Specifies whether the customer initiating payment request requires an interim status confirmation when processing a payment. This is applicable for INST and NRINST payments. Configure one of the following values: If interim status is required, set as Y. If interim status is not required, set as N. Interim status is sent when payment is in the following statuses: Booked and Awaiting Confirmation from Clearing (687) Awaiting Confirmation from Clearing (658)
Customer Status Msg Type	Message type to be used when sending a payment confirmation to the customer who initiated the payment request. Configure a valid status message type already defined in the system. Pacs.002 is the message type used to send ACK/NACK, or Interim Status report to indirect participant (when using ISO20022 messaging).

Advice

The user can configure the customer specific advice related attributes in the Client Agreements page. To perform this, do the following actions:

1. Click the Client Cond Advice tab.

   

2. Enter the required details in the following fields:

   Field	Description
   Advice Indicator	Configure one of the following values: If a customer specific advice needs to be sent, set as Y. If not, set as N.
   If Advice Indicator is set as Y, configure the advice related fields given below. These fields are part of the associated multi-value set. The users can configure multiple advices and configure these fields for each advice.
   Debit/Credit Advice	Type of the advice to be generated. Configure one of the following values: For a debit advice, set as D. For a credit advice, set as C. For a charge advice, set as Ch.
   Delivery Method	Channel for delivering the advice to customer. Configure one of the following values: To send the advice by email, set as Email. To send the advice by fax, set as Fax. To send the confirmation by phone call, set as Phone. To send the printed advice by post through Autoform, set as Post. To send the printed advice by post through Delivery Module, set as Print. To send the advice by SMS, set as Sms. To send the advice using SWIFT (MT900 for debit and MT910 for credit advice), set as Swift. Refer Debit Advice and Credit Advice mapping sheets for customising the print advice posted through Delivery Module.
   Phone Confirmation	Phone number to be contacted. This field is required when the Delivery Method field is set as Phone.
   Sms	Mobile number to send SMS. This field is required when the Delivery Method field is set as SMS.
   Fax	Fax number to send advice. This field is required when the Delivery Method field is set as Fax.
   Email	Email ID to send the advice. This field is required when the Delivery Method field is set as Email.
   Mail Line 1(Post)	Postal address line 1 of the customer address for sending advice by post. This field is required when the Delivery Method field is set as Post.
   Mail Line 2(Post)	Postal address line 2 of the customer.
   Mail Line 3(Post)	Postal address line 3 of the customer.
   Mail Line 4(Post)	Postal address line 4 of the customer.
   SWIFT	BIC of the bank to send advice by SWIFT. This field is required when the Delivery Method field is set as SWIFT.
   Attention	Useful information text related to the advice.
   Advice Type	Advice type that a customer requires. Configure one of the following values: Single Group Blank This is applicable when the advice is sent by SMS or email.
   Advice Transaction Lower Limit	Lower limit of payment amount in home currency beyond which an advice is sent by SMS or email. This is applicable when the advice type is Single.

The user can configure the client-specific separate charge accounts in the Client Agreements page. To perform this, do the following actions:

1. Click the Client Cond Charge Account tab.

   

2. Enter the required details in the following fields:

   Field	Description
   Separate charge Account Indicator	Indicates whether a separate charge account is required for the customer. Configure one of the following values: If separate charge account is required, set as Y. If not, set as N. The user can configure this field, when Separate Charge Booking field in the Client Condition tab is set to Y.
   If Separate Charge Account Indicator is set to Y, the following fields are configured for entering details of the separate charge account (and at least one charge related record needs to be configured): These fields are part of associated multi-value sets. Hence, multiple records can be configured (for example, debit, credit, etc.).
   Indicator For Charge Account	Leg of the payment for which charge account configuration is done. Configure one of the following values: For credit transactions, set as C. For debit transactions, set as Y. For all transactions, set as A.
   Transaction Currency	Payment currency for which the charge configuration is applicable. Configure a valid currency code defined in the system.
   Charge Account Company ID	Valid company ID of the charge account.
   Charge Account Currency	Valid currency code of the charge account.
   Charge Account Number	Valid charge account number from which transaction charges are collected.
   Balance Check On Chg Act	Indicates whether balance check of debiting charges is performed on the configured charges account. Configure one of the following values: If a balance check needs to be performed, set as Y. If not, set as N.