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TPH Day 1
Learning Objectives
5
Objectives
Customer
Accounts Book Transfers
Cheque Collection
International
Profit & remittances
Loss (SWIFT)
Payment Order
Items
DDA Outward Transfer
Core dependencies
Delivery
Accounting
Currency & Holiday Table
MT101 SWIFT
Corporate MT1nn/MT2nn/MT9n
client
pain/
n
bulk files RTGS
RTGS Return
PEACH, Local clearing
ACH, Internal transfer
Central pacs
Bank
Return
Understanding different message formats
11
Transformation Layer
Payment
Generic Neutral
XML Object
schema
SEPA (Europe)
ACH (US)
SWIFT
TPH – Components Overview
Acceptance 12
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
POR.
TRANSACTION
POR.POSTING.
POR.AGREEME
NT.AND.ADVIC POR.TABLES AND.CONFORM
ATION
E
POR.SUPPLEM
ENTARY.INFO
Business Case 1
20
Process incoming MT103
21
Alfa Beta in US, wishes to pay USD 340 to his supplier Nike located in UK.
Nike holds an USD account with T24 Bank while Alfa Beta has an USD account with CITI
Bank in US, NY
T24BANK uses TPH (Temenos Payment Hub) for handling all types of payment
transactions and T24 acts as the DDA system (Demand Deposit Account)
CITI Bank
Sender
(CITIUS33)
T24 BANK
Receiver
(DEMOGB)
Beneficiary
Customer Nike, UK
Process incoming MT103
23
Introduction to payment neutral object
24
Introduction to concept of POR tables
25
POR.TRANSACTION main payment object table
Introduction to concept of POR tables-POR.SUPPLEMENTARY.INFO
26
Introduction to concept of POR tables-
POR.POSTING.AND.CONFIRMATION 27
Introduction to concept of POR tables-
POR.AGREEMENT.AND.ADVICE 28
Party Roles
29
Static Data Configuration
30
PP.COMPANY.PR
OPERTIES
PP.STATUS PP.CURRENCY
CODE
TPH
STATIC TABLES
PP.REGION PP.SOURCE
PP.CHANNEL
Static Data Configuration – Company Properties
31
Table Company Properties
ID BNK-20161031 Admin Menu >
Field Name Field Value Payment Hub > Static
Start Date 31 OCT 2016 Data GUI > Company
Home Country Code GB Properties
Home Currency Code USD
Application User ID INPUTTER
Company Region ALL
Dealer Desk Enabled Y
N
SOD Run Time 07:00
COB Run Time 22:00
Company BIC DEMOGBPX
Days Active Payment 30
Days Duplicate Check
Claim Beneficiary BIC
Maximum Claim Days 15
Auto Repair Wait Interval Seconds 1
Screen Wait Interval Seconds 100
Default Client ID 23019515
Default Language ID 1
Static Data Configuration - Currency
Table PP.CURRENCY 32
Admin Menu > Payment Hub
ID GBP
Field Name Field Value >Static Data GUI > Currency
Company BNK
CountryCode GB
Currency Group *
Currency Name Pound Sterling
Fractional Digit 2
Country Name Great Britan
FX Limit 999,999,999
Weekend Day 1 Saturday
Weekend Day 2 Sunday
Override Through Upload Y
Reserved5
Reserved4
Reserved3
Reserved2
Reserved1
Override.1
Record Status
Curr No 1
Inputter.1 1_201611
Date Time.1 4/26/2018 17:09
Authoriser 69990_TRAIN511_OFS_GCS
Table PP.SOURCE
ID SWIFT
CHAPS SWIFT Field Name Field Value
Channel Name SWIFT
Source Product SWIFT
SourceDescription SWIFT
SourcePDGroup SWIFT
SWIFT Source Type C
Nc
TARGET2
I
Reserved4
Source ChannelName SourceDescription
Reserved3
CHAPS SWIFT CHAPS payments recevied via SWIFT Reserved2
Reserved1
SWIFT SWIFT SWIFT messages received via SWIFT
Override.1
TARGET SWIFT TARGET2 payments received via SWIFT Record Status
Static Data Configuration - Channel
34
Admin Menu > Payment Hub
>Static Data GUI > Channel
Payment Channels
Table PP.CHANNEL
ID SWIFT
Field Name Field Value
Channel Description SWIFT
Reserved5
Reserved4
Reserved3
Reserved2
Reserved1
Override.1
Record Status
Curr No 1
Static Data Configuration - Region
35
Country Code
Region
Admin Menu > Payment Hub >Static Data GUI > Region
Table PP.REGION
ID EU
Field Name Field Value
Region.1 ALL
Reserved5
Reserved4
Reserved3
Reserved2
Reserved1
Override.1
Record Status
Curr No 1
Static Data Configuration – Status Code
STATUSCODE 36
Payment transaction flow monitor
Signifies payment current state and completion (i.e. ‘999’)
How does TPH process a payment message?
Acceptance 37
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Message Receiving and Mapping
38
Message Format Support
F.PPT.RECEIVEDFILED Stores the attributes of the received message such as source, format
ETAILS etc.
Message Forward
Queue
Read Message API SWIFT.IN
Debulk API
Message Mapping - Configuration
42
Admin Menu > Payment Hub > Message Mapping GUI > Message Mapping
Param
Assign Weight for the Payment
43
SEPA Target
Weight
assignment
3 . Light Weight
Assign Weight for the Payment
44
Admin Menu > Payment Hub > Weight Assignment
ID STEP2.pacs.008.CT-20170203
Field Name Field Value
Company ID BNK
Rank 12
Weight Code H
L
M
Start Date 3-Feb-17
End Date DD MM YYYY
AutoRepair Instance
Name
High Level
Company ID Originating Source Message Type Rank Specific Weight Weight
BNK * * 3 P2 H
BNK SWIFT * 2 P3 H
Skip Programs based on weight
45
Admin Menu > Payment Hub > Static Data GUI > ProgramsPerWeight
Skip Programs based on weight
46
How does TPH process a payment message?
Acceptance 47
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Code Words
48
Admin Menu > Payment Hub > Inbound Codeword GUI > Inbound Codeword
Code Words – Processing Sequence
49
Admin Menu > Payment Hub > Inbound Codewords GUI >
Processing Sequence
ID 1
Field Name Field Value
Company ID BNK
Inbound Processing
Processing Sequence Desc
Sequence 1
Processing Sequence InboundCodeWordService.se
Routine Name tCreditValueDate
Inbound Processing • Y
Sequence Flag • N
Outbound Processing • Y
Sequence Flag • N
Processing Sequence – Additional Information
50
Processing Information Code and Code
Result of Processing Sequence API Fags/Code Words that will be set
Sequence Words
Assign Requested Credit Value Date
1 OTHR/BBDD
equal to Requested Execution Date
• Set Credit value Date Imposed
Flag
Assign Requested Credit Value date =
Credit Value date in the message for • Set the Skip Balance Check flag
INSBNK (In tag 23E) Cddmmyy and impose the same for
processing • Set the SkipBoundaryCheck flag
2
OTHR/NBALANCE/Dddmmyy
and /or /Cddmmyy Assign Debit Value date = Debit value • Set the value of the Skip Fee flag
date in the message for Dddmmyy and to ‘A’ (Skip All charges)
impose the same for processing
• Set the value of the Debit Authority
Indicator field to ‘S’
• Set Credit value Date Imposed
Flag
• Set the Skip Balance Check flag
INSSDR (In tag 72) Debit Value Date = Requested Credit • Set the SkipBoundaryCheck flag
3
value Date in the message • Set the value of the Skip Fee flag
REC/NBALANCE
to ‘A’ (Skip All charges)
ID BNK-20160101
Field Name Field Value
Message Priority.1 *
CodeWord.1 *
CodeWord Tag.1 *
CodeWord Text.1 *
Ranking.1 4
SLAID.1 *
Start Date 1-Jan-16
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Auto repair and Enrichment
53
Nature of enrichment
PARTYROLE = “BENFCY”
PARTYFREELINE2 = “PARKSTRAAT 5”
PARTYFREELINE3 = “AMSTERDAM”
Image after Enrichment by Automated Repair Tool. Account Number is copied to the appropriate placeholder
PARTYROLE = “BENFCY”
PARTYACCOUNTLINE = “/12312312312”
PARTYFREELINE2 = “PARKSTRAAT 5”
PARTYFREELINE3 = “AMSTERDAM”
PARTYROLE = “ACWINS”
PARTYFREELINE2 = “AMSTERDAM”
PARTYFREELINE3 = “NETHERLANDS”
Image after Enrichment by Automated Repair Tool. BIC is auto-populated by Automated Repair Engine
PARTYROLE = “ACWINS”
PARTYIDENTIFIERCODE = “RABONL2AXXX”
PARTYFREELINE2 = “AMSTERDAM”
PARTYFREELINE3 = “NETHERLANDS”
TPH-STeP Flow
57
Auto repair and Enrichment
58
Admin Menu > Payment Hub > Static Data GUI > Programs Per
Weight
Programs Per Weight Table
59
Debit Authority
Acceptance 60
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Debit Authority
Admin Menu > Payment Hub > Debit Authority GUI > Netting Agreement / 61
No DA List
ID 101BOFAUS33-20180316
Field Name Field Value
Company BNK
Message Type 101
Sending Bank BOFAUS33
Debit Account *
First Name/Address Line *
LinkID 101BOFAUS33*-20180316
Start Date 16-Mar-18
End Date 31-Dec-99
Table No DA List
ID 101-20160101
Field Name Field Value
Company Code BNK
Start Date 16-Mar-18
End Date 31-Dec-99
Debit Party Determination
Acceptance 62
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Determining Debit Party
63
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Bank Conditions
66
Admin Menu > Payment Hub > Bank Conditions GUI
Warehouse
Acceptance 67
Debit Client
Payment Initialization
Conditions
Mapping and
Assign Weight YES NO
Debit Authority Incoming Routing And
Codeword and SLA or Book? Settlement
Determination
Debit Party
Determination Credit Party
Validate Credit Party
Auto Repair Determination
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Types of Warehouse
68
Payment warehouse – When Requested Execution Date or Requested Credit Value Date is
in future, payments are warehoused at the start of STP flow based on Bank Conditions
Future due date warehouse – When calculated Credit Value date is in future and processing
date is also pushed to future to meet the credit value date
Debit Bank
STP Flow Conditions Credit Bank / Client Credit Bank
Conditions Conditions
Filtering Payment
YES Future RED
Warehouse or RCVD?
Date Determination
NO
Payment YES Future Due
Warehouse Date Balance Check
NO Duplicate Check
Fee Direction
Determination
Balance Reservation
Payment Finalization
with Charges Product
Determination
Posting
Payment Generation
Balance Check
72
During posting, the reserved amount is utilised and hence the lock is removed.
Credit Transfers
When a credit transfer is to be sent out, check if the debit account has sufficient
balance to cover transaction amount or transaction amount plus charges
Direct Debits
When a direct debit is received, check if the debit account has sufficient balance
to cover the transaction amount or transaction amount plus charges
Balance Check
AC.LOCKED.EVENTS 73
Balance Check- Configuration Tables – Overview
74
PH T24
Balance
Balance Check DDA
Interface
2. AC.FUNDS.AUTHORISATION
2. PP.MANUALAUTHREQUIRED
3. PP.REJECTRESPONSEACTION
Balance Check- Configuration – Balance Check Required
75
Check and reserve balance on debit account and debit charge
account
• Post balance check, if actual FX rates • Post balance check, if actual FX rates
are higher than the utilised FX rates are higher than the utilised FX rates
and account is short of balance, and account is short of balance,
account will be overdrawn. account will be overdrawn.
Balance Check- Configuration – Client Conditions
77
Balance Check Process Flow
Check Account 78
status and
restriction
Required
Y/N
Reserve Balance
Flow Within DDA
(ACLK) and send Balance
Yes (Working Balance – Locked Amount + Limits)
Success response to Available?
TPS
No
Park Payment
Manual Funds Manual Auth
Yes
Authorisation queue Required
(ACFA)
No
Authorise
Send Rejected
Overdraft No
response to TPS
request?
Yes
Reserve Balance
(ACLK) and Send
‘Approved’ response
to TPS
RejectResponse
Cancel PPT.REJECTRESPONSEACTION
Action is R or C?
Repair
Park payment in
Cancel Payment and
Repair queue i.e.
set status to 997
status 235
Balance Check- Configuration - Manual Auth Required
79
Balance Check- Configuration -Reject Response Action
80
Balance Check – Insufficient Funds – Manual Auth Required
81
User Menu > Payment Hub > New Payment Orders > Payment Approvals > Manual
Funds Authorisation > Request for Pending Approval
Pre-Authorisation Key
82
www.temenos.com