Introduction to Ebills Interface

This user guide describes the different processes and functionality supported by eBills interface.

Bank customer may wish to make the bill payments to its vendor through all the channels (IVR, online-banking and in branch) using their bank account. Central1 is the bill payment service provider for the members. The bill payments are done to CUCBC which in turn does the settlement to the vendors.

The requirements for the eBills functionality consists of the following:

• Configurations: The eBills functionality is dependent on third party software to respond to the request sent by Temenos Transact, so it is necessary that the parameter applications to are set correctly. This contains the following:
  • Configuration of the UB.PARAMETER application.
  • Configuration of the folders for request and response message.
  • Configuration of the UB.MESSAGES application.
  • Vendor configuration and deletion.
• eBills payments: The bank sends a request to Central.1 for the payment to the vendor and waits for a response. If the response is successful, the payment is made, or else an error occurs. Central1 is the bill payment service provider for the members. The bill payments are done to CUCBC which in turn does the settlement to the vendors. This includes the following:
  • UB.PAYMENT for making current payment as well as future dated payment.
  • UB.REVERSAL for reversing the payment made.
  • Enquiries for listing the vendor and payment details.
  • Add vendor.
  • Delete vendor.
  • Network request.
• eBills recurring payments: The recurring payment can be set for paying the vendor on a regular basis as defined. On the defined frequency, the UB.PAYMENT is raised and the payment is made to the vendor, in case the account has insufficient funds or posting restriction is set, the user has the option to retry N number of times (as defined) for N number of days (as defined).

  The recurring bill payment will be processed at the online stage (start of the day).

• Charges for bill payment-vendor: The bank can charge the customer for the bill payment based on the vendor associated to bill payment, the system provides the flexibility to define for which vendor bill payment to be charged.
• Multiple bill payment: FIs have the ability to perform multiple bill payment in a single screen. This includes the current dated bill payment and future dated bill payments. Upon posting the bill payment transaction, the user has the flexibility to view each bill payment transaction and its status as well.
• Vendor list and future dated bill payment in Temenos Transact: In Temenos Transact, the following details are stored in the database:
  • List of vendors.
  • List of current dated payment details.
  • List of future dated payment details.

  FIs have the flexibility to decide whether the vendor list and future dated payment details are to retrieve from Temenos Transact or C1 database. This is enhanced to improve the performance on the bill payment transactions.

  CAMB supports eBill specification version 2.8.