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AC – Accounts Module
Acccount statements
1. PRINT.STATEMENT table You can print an account statement online or in batch mode, using a ‘Verify’ function. The layout is done through the ‘Enquiry’ application, using the ‘ACCOUNT.STATEMENT’ enquiry template to be customized. It is possible to make selections in order to filter specific accounts. Selection fields are coming from AC.STMT.HANDOFF table fields. To include theses statements in the batch(or COB), take the job name ‘PRINT.STATEMENT$RUN’ from the process ‘AC.REPORTS’ after the job ‘PRINT.STATEMENTS’: place the ‘PRINT.STATEMENTS’ table ID in the ‘DATA’ field of this job name.
2. AC.STMT.HANDOFF This table contains account statements waiting to be processed. Once the “Verify” function launched, selected records are purged from this table, and then are feeding AC.STMT.HANDOFF$HIS. When you want to reproduce an account statement, input “YES” in field 7. REPRINT from PRINT.STATEMENT table: The process will re-select records from AC.STMT.HANDOFF $HIS table.
Account charges
1. BALANCE.REQUIREMENT table Is the following example, this table contains 2 records to define a 2 classes account fees model:
1 for retail accounts 1 for corporates accounts
a) Retail accounts, ID = 1
BNK BALANCE.REQUIREMENT
SEQUENCE.YEAR.MTH. 1 . 2010-03
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1. 1 GB DESCRIPTION. ACCOUNT FEES FOR RETAIL A/C
2 CATEGORY.......... 52-350 ACCOUNT FEES
3 TR.CODE.CR........ 351 ACCOUNT FEES CR
4 TR.CODE.DR........ 361 ACCOUNT FEES DR
7 BALANCE.TYPE...... AVERAGE
8. 1 DEFAULT.BAL.AMT 999,999,999.00
9. 1 DEF.CHARGE.AMT. 20.00
10. 1 CURRENCY....... CHF SWISS FRANCS
11. 1. 1 BALANCE.AMT. 999,999,999.00
12. 1. 1 CHARGE.AMT.. 20.00
BNK GENERAL.CHARGE
GEN.CHARGE.DATE... 1 . 26 JUN 2010
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1. 1 GB DESCRIPTION. ACCOUNT FEES FOR RETAIL A/C
10 CHARGE.CODE.LEVEL. COM
11 CHARGE.OF.FCY.ACCT Y
12 CALCUL.STEP.PERIOD P
13 BAL.REQUIREMENT... 1 ACCOUNT FEES FOR RETAIL A/C
34 CATEGORY.......... 52-350 ACCOUNT FEES
35 TR.CODE.CR........ 351 ACCOUNT FEES CR
36 TR.CODE.DR........ 361 ACCOUNT FEES DR
37 COMBINED.TAX.CODE. 10 VAT RETAIL CLIENTS
Note: Field 13 BAL.REQUIREMENT is the key of BALANCE.REQUIREMENT table (e.g. SEQUENCE.YEAR.MTH)
b) Corporates, ID = 3.
BNK BALANCE.REQUIREMENT
SEQUENCE.YEAR.MTH. 3 . 2010-07
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1. 1 GB DESCRIPTION. ACCOUNT FEES FOR CORPORATES A/C
2 CATEGORY.......... 52-350 ACCOUNT FEES
3 TR.CODE.CR........ 351 ACCOUNT FEES CR
4 TR.CODE.DR........ 361 ACCOUNT FEES DR
5 TAX.CODE.......... 10 VAT CORPORATES CLIENTS
7 BALANCE.TYPE...... AVERAGE
8. 1 DEFAULT.BAL.AMT 9,999,999,999.00
9. 1 DEF.CHARGE.AMT. 230.00
10. 1 CURRENCY....... CHF SWISS FRANCS
11. 1. 1 BALANCE.AMT. 9,999,999,999.00
12. 1. 1 CHARGE.AMT.. 230.00
BNK GENERAL.CHARGE
GEN.CHARGE.DATE... 3 . 01 JUL 2010
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1. 1 GB DESCRIPTION. ACCOUNT FEES FOR CORPORATES A/C
4 HIGHEST.DEBIT..... 2 HIGHEST DEBIT COMMISSION
10 CHARGE.CODE.LEVEL. COM
11 CHARGE.OF.FCY.ACCT Y
12 CALCUL.STEP.PERIOD P
13 BAL.REQUIREMENT... 3 ACCOUNT FEES FOR CORPORATES A/C
34 CATEGORY.......... 52-350 ACCOUNT FEES
35 TR.CODE.CR........ 351 ACCOUNT FEES CR
36 TR.CODE.DR........ 361 ACCOUNT FEES DR
37 COMBINED.TAX.CODE. 10 VAT CORPORATES CLIENTS
2. GENERAL.CHARGE Table A link is done in GENERAL.CHARGE table to summarize all conditions for taxes, fees, commissions etc… applicable to a group of accounts (linked to GDI-GROUP.DEBIT.INTEREST), or applicable to a specific a/c number (linked to ADI-ACCOUNT.DEBIT.INTEREST).
3. GROUP.GENERAL.CONDITION Table This table must be maintained in order to link all the above fees conditions to client’s groups, here « retail clients » and « corporates clients ». In the key of this table, you’ll find the group code (1 or 3) and the currency code (See field nb 1).
Example for « retail clients » in CHF:
BNK GROUP.DEBIT.INT
GROUP.CY.DATE..... 1 CHF 01 JUL 2010 RETAILS A/C
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1 CHARGE.KEY........ 1 ACCOUNT FEES FOR RETAIL A/C
2 INTEREST.DAY.BASIS B 366/360
4 DR.BALANCE.TYPE... DAILY
7. 1 DR.INT.RATE.... 17.05
20 APR.REQUIRED...... Y
22 LINK.TO.GROUP..... 1 RETAILS A/C
23 MAX.DEBIT.CHG.RATE 50.00
Example for « corporates » in CHF :
BNK GROUP.DEBIT.INT
GROUP.CY.DATE..... 3 FRF 01 JUL 2010 CORPORATES A/C
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1 CHARGE.KEY........ 3 ACCOUNT FEES FOR CORPORATES A/C
2 INTEREST.DAY.BASIS B 366/360
4 DR.BALANCE.TYPE... DAILY
7. 1 DR.INT.RATE.... 12.63
20 APR.REQUIRED...... Y
22 LINK.TO.GROUP..... 3 CORPORATES A/C
23 MAX.DEBIT.CHG.RATE 50.00
Theses modifications must also be applied on foreign currency accounts, to book CHF 20 & CHF 230 account fees in foreign ccies equivalents.