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Payment Processing with Oracle Payments:

Whats New in Oracle E-Business Suite Release 12
Victoria Anderson
Manager, Payment Product Mangement

 Purpose:
This document provides an overview of features and enhancements included in
Release 12. It is intended solely to help you assess the business benefits of
upgrading to Release 12.

Disclaimer:
This document in any form, software or printed matter, contains proprietary
information that is the exclusive property of Oracle. Your access to and use of
this confidential material is subject to the terms and conditions of your Oracle
Software License and Service Agreement, which has been executed and with
which you agree to comply. This document and information contained herein
may not be disclosed, copied, reproduced or distributed to anyone outside
Oracle without prior written consent of Oracle. This document is not part of
your license agreement nor can it be incorporated into any contractual
agreement with Oracle or its subsidiaries or affiliates. This document is for
informational purposes only and is intended solely to assist you in planning for
the implementation and upgrade of the product features described. It is not a
commitment to deliver any material, code, or functionality, and should not be
relied upon in making purchasing decisions. The development, release, and
timing of any features or functionality described in this document remains at
the sole discretion of Oracle.

Agenda
What is Oracle Payments?
Disbursements
Key Disbursement Enhancements
The Integrated Disbursement Process

Oracle Payments Demo

Funds Capture
Key Funds Capture Enhancements
The Integrated Funds Capture Process

Q&A

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Question for Audience

What release are you on?
Release 12
Thinking about it
Implementing it
Already there

Of those not live on R12

Release 11.5.9 or earlier
Release 11.5.10
Something else

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What is Oracle Payments?

Payment Processing in Release 11i

Oracle
Receivables

Oracle
Payables

Oracle
iPayment

Oracle Global
Financials

Direct
Debits

Check
Printing

Credit Card
Payments

Check
Printing

Bills Receivable
Remittances

EFT
Payments

Direct
Debits

Direct
Debits

Bills Receivable
Remittances

EFT
Payments
Bills Receivable
Remittances

Payment Processing in Release 12

Order-to-Cash Products
Receivables, iStore, Order Management,
Collections, Contracts

Procure-to-Pay Products
Payables, Federal Payables, Global
Financials, Loans

One payment processing solution leveraged by multiple products

Oracle Payments
Credit Card
Payments

Direct
Debits

Bills Receivable
Remittances

Check
Printing

EFT
Payments

Release 12

Oracle Payments:
Oracle Payments is a central engine to
disburse and capture payments. For
electronic payments, it connects Oracle
EBS products like Receivables and
Payables to financial institutions like banks
and credit card processors.

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Disbursements

Key Disbursement Enhancements

Payment Formats
Out-of-the-box Content
- Rich library of seeded electronic formats

Intuitive Toolset for Making Changes

- Integration with XML Publisher makes it easy for business
user to create or modify formats in
any word editor
- Special capabilities of
XML Publisher eText allows
user-intuitive manipulation
of electronic formats

Key Disbursement Enhancements

Payment Formats
Key formats supported out of the box include:
SWIFT MT 103
ANSI X12 820
EDIFACT PAYMUL
NACHA

NACHA CTX
NACHA CCD
NACHA CCDP
NACHA PPD

Key Disbursement Enhancements

Payment Formats (eText)

Key Disbursement Enhancements

Configurable Validation Rules and Processes

Rich library of country- and format-specific validations

usable out of the box
Highly configurable framework
WHAT: Define new validations rules
WHEN: Set timing of validations
HOW: Set how errors should be handled

Key Disbursement Enhancements

Configurable Validation Rules and Processes
Validate upstream or downstream
Configurable validations
Invoice
Entry

Invoice
Selection

Payment
Build

File Creation

Formatting

Transmission

Key Disbursement Enhancements

Configurable Validation Rules and Processes
Configurable Validations
Validate upstream Object
or downstream
Validation Rules
Timing
Invoice
Configurable
validations
Pre-Defined
Library
Invoice
Entry

Invoice
Selection

Payment
Payment
Build

Batch

File Creation

Formatting

UserDefined
Validations

Invoice
Entry
Transmission

Payment
Build

Key Disbursement Enhancements

Electronic Transmission
Set up configurations based on standard protocols
Manually or automatically initiate the transmission of
the payment file
Protocols supported
out of the box

FTP
Secure FTP
HTTP
HTTPs
AS/2

Key Disbursement Enhancements

Enhanced Process
Separate out user needs During selection of invoices to be paid,
Payables user wants to focus on financial benefit such as cash flow and
discounts, not payment method
Invoice selection is now agnostic of payment method
Oracle Payments groups invoices into payments within the group
selected invoices, and then groups payments into payment files based
on hard-coded and user rules (without being confined to the selection
group).

Key Disbursement Enhancements

Enhanced Process
Docs payable selected by source
product and sent to Oracle
Payments in a
payment process request

Documents payable
within a payment process
request built into payments per
user-defined and hard-coded rules

Payment Process
Request A

Payments grouped into payment

instructions per user-defined and
hard-coded rules

Payment Instruction 1

Payment Process
Request A

Pay to

Invoice 2
Invoice 3

Invoice 4

Invoice 5

Invoice 6

Payment Process
Request B

Payment 102

Payment Process
Request B

Pay to

Invoice 2
Invoice 3

Pay to

Payment 101
Payment Instruction 2

Pay to

Pay to

Payment 102

Payment 103
Payment Instruction 3

Payment 103
$

Invoice 5

Invoice 6

Payment Instruction Creation Program

Invoice 1

Invoice 4

Payment 101

Pay to

Invoice 1

Payment Build Program

Pool of documents payable

in source product

Source Product Selection Process

Pay to

Pay to

Payment 104
Payment 104

Key Disbursement Enhancements

Process Visibility Though New Dashboard
Supports different business models :
Centralized AP and Payments
Decentralized AP and centralized Payments
Decentralized AP and decentralized Payments

Guides the user with smart Take Action icon

Key Disbursement Enhancements

Process Visibility Though New Dashboard

The Integrated Disbursement Solution

Flexible and Powerful
End-to-end process from entry of the document payable to
printing or electronic transmission can be automated
Configurable validations and exception handling can be tailored
to any business process or country requirement

Payment
Request

Validations

Sophisticated Detailed
validations can
defaulting of
be configured to
payment
be performed
methods on to
upstream or
documents
downstream
payable

Aggregation

Formatting

Transmission

Rule-based
aggregation
of payment
instruction

XML based
formatting
framework

Rich out-ofthe-box
content and
extensible
framework

Release 11i Disbursement Process

Oracle Payables
Payment file contains exactly the payments that were
selected, so selection has to be done based on payment
method, currency, and operating unit
Oracle Payables
User

Select Invoices

Payment Build

Payment
File

Release 12 Disbursement Process

Oracle Payments
End product is minimum number of files needed for unique
processing needs
Payables
User 1

Selection
Batch 1

Payment
Build

Pool of Built
Select Invoices
Payables
User 1

Select Invoices

Payment
Instruction

Transmit
Payments

Payment
Instruction

Print
Payments

Payment
Instruction
Creation

Payments
Selection
Batch 1

Payment
Build

Release 12 Disbursement Process

Impacted Applications
Significant impact
Oracle Payables
Global Financials

Minor impact
Oracle Cash Management (new Bank Transfer feature)
Oracle Receivables (new Customer Refund feature)
Oracle Loans (new payment method setup)
Any product that pushes disbursements through Oracle Payables is
taking advantage of the richness of Oracle Payments functionality
Oracle Payroll is the exception to the central disbursement engine

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Oracle Payments Demo

Straight-Through Processing

System Settings
Payment
Method

Currency

Check

USD

Check US
Standard

Check

EUR

Cheque EUR
Laser

Electronic

USD

SWIFT MT103

EUR

FTP

Oracle Payments Demo

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

First Level Bullet

Oracle Payments Demo

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Funds Capture

Key Funds Capture Enhancements

Configurability
Funds Capture Process Profile is the focal point of configurability

Transaction Attributes:
Operating Unit
Payment Method
Routing Rule Conditions

Funds Capture
Process Profile
(via Payees Routing Rules)

Process Attributes:
Authorization Format
Settlement Format
Acknowledgement Format
Settlement Grouping
Settlement Batch Limits
Transmission Configuration
External Reporting

Key Funds Capture Enhancements

Process Visibility Though New Dashboard

Significant impact
Oracle Payables

The Integrated Funds Capture Solution

Flexible
and Streamlined
End-to-end
process from authorization through settlement and
acknowledgement can be automated
Handles credit and debit card captures and electronic bank
transfers from multiple calling products in EBS
Request

Authorization

Routing rules drive

Upstream
how the transaction
products call
will be processed
Payments to
and which third
authorize
party payment
transaction with
system will be
third party
payment system used

Settlement

Payments calls
payment system in
individual or batch
mode to request
settlement

Acknowledgement

Payments
automatically
queries payment
system for
acknowledgement
of transaction
success

R12 Funds Capture Process

Supporting Straight Through Processing

Configurability to support diverse business models and

regional needs without customization; enables global

processes
Automation to streamline process and save costs through
electronic straight through processing
Integration with XML Publisher to shift implementation and
maintenance of payment formats from technical to business
user

Single repository of external-party payment instruments (bank

account and credit/debit card numbers) with masking and
encryption aids deploying company in security and
compliance issues

R12 Funds Capture Process

Payment Systems
There are adaptors available for the following payment systems
but adaptors can be created for and by any company.
Paymentech
Credit Card
Purchase Card Level 3
PINless Debit Card
US ACH, including Online
Account Validation

First Data (North Platform)

Credit Card
Purchase Card Level 2

Wells Fargo
Credit Card
Purchase Card Level 2
US ACH

Concord EFSnet
Credit Card
Purchase Card Level 3
PINless Debit Card
US ACH, including Online
Account Validation

CyberSource
Credit Card
Purchase Card Level 2

VeriSign
Credit Card
Purchase Card Level 2

Q&
A

For More Information

http://search.oracle.com
Financials

or
http://www.oracle.com/

The preceding is intended to outline our general

product direction. It is intended for information
purposes only, and may not be incorporated into any
contract. It is not a commitment to deliver any
material, code, or functionality, and should not be
relied upon in making purchasing decisions.
The development, release, and timing of any
features or functionality described for Oracles
products remains at the sole discretion of Oracle.