Introduction to FAMS Limited Service Mode

The Limited Service Mode (LSM) or Stand In mode is the solution that enables the bank to prepare for such a planned downtime and continue to provide the above services to their customers while Transact is not fully available.

Funds Authorisation Microservice (FAMS) is used during LSM mode and it contains basic details about the account, account balances, reservations, simplified limit details, posting restricts which support the funds authorisation decisions and the calculation of the available funds.

This microservice offers published APIs for consumption by the bank’s external channel (digital channels, ESB, Payment System).

The Limited Service Mode is supported in the following architecture:

• The Payment System is not embedded with Transact
• The Payment System or the ESB/Booking Router hold the booking requests during LSM;
• The Order Management ( payment initiation) is external to Transact;
• In case of payments initiated through digital channels, the external  channels send requests via IRIS to validate the transaction and/or reserve funds
• During LSM, any instant booking request is transformed by the Payment System/ESB into a reservation request  and the booking is queued until Transact is online again; the  instant payments requests/bookings are transformed by the Payment System/ESB into “credit” reservation requests and the booking is queue
• For any withdrawal or card payments, the external channel/ESB sends a (debit) reservation request via IRIS.

Funds Authorisation Microservice aim is to support the funds authorisation decisions and to determine the available funds. Therefore after an initial upload, any changes that occurs in Transact on the following data, are continuously streamed to FAMS via Temenos Data Events Streaming (DES) component:

• Account identifiers and basic account details.
• Account status.
• Customer posting restricts.
• Account posting restricts.
• Balance details.
• Limit details.
• Posting restrict basic definitions.
• Bank dates per each company.
• Limited Service Mode (LSM) parameters.
• Active, deleted or expired reservations.

The push process covers all the accounts (arrangements across various product lines and other types of accounts) not just those supported in LSM.

Limitations

Funds Authorisation Microservice doesn’t support the following features, which are available in Transact in the Normal Service Mode:

• Customer Mass Blocking
• AA Product Restrictions
• Soft Duplicate checks
• Cash Pool and Balance Netting Pool
• Card Ordering, Card Block
• Shared Limits
• Balance check for specific AA Balance Types
• Multi-Currency Accounts
• Cross Currency Transactions
• Microservice Extendibility for L3 fields

Local enrichment of the response returned by the Validate and Reservation APIs ( via Post Processing API defined in the GAI Processing Rule –AC.ENTRY.PARAM)

You can parameterise the arrangement products that are in scope of the Limited Service Mode (See the Configure Account Products supported in Limited Service Mode section). However, it should be noted that Deposit and Lending products must be excluded as FAMS currently doesn’t support product restrictions validations and funds check for balance types.