Table of Contents

1 OVERVIEW.............................................................................................................................................
2 PARAMETER SETUP...............................................................................................................................
2.1 System File Control Maintenance.................................................................................................
3 PARAMETER SETUP – HGSPM...............................................................................................................
4 ACCOUNT MAINTENANCE...................................................................................................................
4.1 Process of Opening of a CASA Account.......................................................................................
4.2 Process of Modification before Verification of A Newly Opened SB Account...........................
4.3 Process of Verification of A Newly Opened Savings Bank Account............................................
4.4 Process of Addition of Nomination in an Existing Account........................................................
4.5 Process of Verification of Modification Performed in An Existing Account...............................
4.6 Process of Modifying An Account from Single to Joint A/c........................................................
4.7 Process of Verification of Modification of An Account..............................................................
4.8 Process of Inquiring Joint Holder in an Account.........................................................................
5 SIGNATURES........................................................................................................................................
5.1 Process of Signature Scan - Add..................................................................................................
5.2 Process of Signature Scan - Verify...............................................................................................
5.3 Process of Signature Scan - Update............................................................................................
5.4 Process Verification of Signature Update...................................................................................
5.5 Process of Inquire on Audit Information – Master Data............................................................
5.6 Process of Inquire on Signature and Photograph Audit.............................................................
6 DEBIT CARD SETUP..............................................................................................................................
6.1 Initial Setup: Auto Generation Card Number............................................................................
6.2 Card Type Code Creation - HRRCDM...........................................................................................
6.3 Creation of Card Subtype............................................................................................................
7 USER OPERATIONS IN DEBIT CARD.....................................................................................................
7.1 Process of Issuing Debit Card......................................................................................................
7.2 Process of Verification Debit Card Issue....................................................................................
7.3 Process of Hot-Listing the Debit Card.........................................................................................
7.4 Process of Modification of Debit Card.........................................................................................
7.5 Process of Inquiring Debit Card linkage......................................................................................
8 MENU OPTIONS USED IN THE MODULE.............................................................................................
1 OVERVIEW

CASA Accounts are one of the most popular and widely used Accounts in Banking. These
Accounts are the key to success of any Bank. Let us discuss the salient features of the
CASA Accounts.

 The following sections outline the salient features of customer accounts.

 CIF and/or account number can be system generated or user enterable. The user
can also specify the logic for the system to arrive at the CIF/account number for each
type of accounts.
 Customer accounts can be opened in any currency. Multicurrency accounts supported.
 Interest credit or debit account (operative a/c to which the credit/debit to be made) can
be specified. This account can be of different Service outlet. Also, the interest
credit amount can be remitted through payment system.
 Accounts can be marked as Inactive, Dormant. Necessary charges can be collected.
 Accounts can be frozen and the reason for freezing can be specified.
 Signatures can be captured and linked to customer or accounts. Image Access feature
for dormant accounts based on the image access code of the image and the codes to
which the user has access depending on the user’s role.
 Pass sheet frequency can be parameterised. The Pass sheet printing is based on the
local / English calendar. The default population of pass sheet frequency is
obtained from

ass
2 PARAMETER SETUP
2.1 System File Control Maintenance

The following are the parameters that control the customer Id creation and accounts
of the customer at data centre level. The set ups are done through the menu option
HSCFM.

New Customer Period: Period specified in months. Customer is deemed as new customer
up to the period specified here from the date of customer master creation.

Maximum Lines in Passbook: The number of lines that can be printed in each page of the
pass book. This is dependent on the pass book inventory used by the bank. Appropriate
value has to be entered here.

No. of Lines in Folio: The number of lines which is to be treated as one folio for
Ledger folio charges calculation. This value is considered for arriving at the number of folios
for LF calculation.

Max No. of TODs per customer: This is a bank specific parameter. When the number of
TODs for a customer exceeds this value system validates and appropriate exception is
displayed. Segregate Interest and Principle during Charge off flag–to be selected
when such segregation is required by the Bank

Age when minor becomes major: This value is used to determine the date for
changing the status of minor to major. The period is expressed in number of years.

Image access code for Dormant a/cs: The image access code to be assigned for
dormant accounts is to be specified here. The users who has permission to this
access code(created through HRPM) only can view the signatures of such customers.

Clerk‟s work classification: The user who has work class greater than the work class
specified here can only authorise (verify) financial/non financial transactions.

Temporary A/C ID -Required: System provides facility for generation of temporary

account number which can be used for authorising the account opening and creating credit
transactions to the account. This number generation is not based on HNNTM set up.
Alternatively, this flag is not set, in which case the permanent account number is populated
during account opening itself. This number will not be available even if the account opening
process is cancelled. Temporary account number is prefixed with ZZ and is a numeric value
which is a oracle sequence number.

IBAN Implemented: This will indicate whether to include IBAN in screens/downloads or not.
This parameter can have 4 values:1)Only screen changes(IBAN to be shown on
screen)2)Only down load changes (download programs will include IBAN in
downloads)3)Both screen changes and download programs will have IBAN.4)NONE (IBAN
is not implemented)A 34 character (alpha-numeric)field will be provided at the general
account master to enable the storage of IBAN against each customer account as well as the
office account .IBAN will be automatically generated by the system for the newly opened
accounts. Hot key Ctrl+X will be enabled to toggle between the account number and IBAN.
However in order to generate the IBAN for Accounts migrated to Finacle a menu
option has been provided :IBANGEN

In the Criteria screen User can input either CIF ID or account id or both. There will be
Validation to ensure that Acct Id belongs to the entered CIF ID. If only CIF id is given, all
valid operative accounts belonging to that CIF ID that do not have IBAN number are listed in
the listing screen. However, if Acct id is given in the criteria screen, only that acct id is listed
in the criteria screen. User can select the list of accounts for which IBAN has to be
generated and then submit. IBAN will be generated for the selected accounts and auto
verified.

Future Value Dated Credit Flag& Future Value Dated Debit Flag: The valid values are
Y/Nowhens the “Future Value Dated Credit Flakiest to „Yandi whenever any credit
transaction is happening with a future value date (i.e. value date greater than the BOD
date), system will not update the “Clear Balance Amount “of an A/c and instead increment
the “Future Balance Amount”. Whereas, if the value of the flag is set to „N‟, then the system
will not touch the “Future Balance Amount” at all and instead increment the “Clear Balance
Amount” (i.e., existing functionality prevails). Similarly, the concept holds good for the Future
Value Date Debit Flag.

Num of Future days allowed: Once set, system will not allow future value date beyond the
no. of days specified.

Num of Back days allowed: If this value sets, system will not allow back value dated
transaction beyond the no. of days specified.

Cheque book Ack -Required: Bank can decide to make the cheque book effective
only after entry of acknowledgement by the customer. In such a case, this value has
to be set. Else, the cheque book is effective once the cheque book issue is verified by the
user.

Acct Turnover Period Ind: Whether Account turnover details are to be generated based on
the account open date or the calendar. The frequency of generation of account
turnover details is specified at HGSPM which can be further modified at the account level.
Stop Payment: The event id for stop payment charge calculation is specified herein the fees
tab of HSCFM. Event id is created through HPTTM.

Stop Payment –Delivery Channel: When stop payment instruction is received through
Delivery channel (Connect 24), the stop payment charges could be different. In that
case, the event id defined for that purpose is to be assigned here. If the charges
are same even when received through BANCSCONNECT, then the same event id is to be
specified. Dormancy for CC/OD A/cs -Applicable Whether dormancy status is required
for CC/OD accounts or not is dependent on this flag.

Sweep A/c order: When a/cs of more than one scheme type is specified for the sweep
facility, then the order in which accounts are to be considered for SWEEP facility is specified
here.

Duplicate Combined Statement: The event id for charge calculation for Adhoc
printing of combined statement.
Regular Combined Statement: The event id for charge calculation for Regular
printing of combined statement. Exception for Expired Limits for Dr. Tran: This flag will
indicate whether the exception set at general details for “Sanction limited expired” should be
raised or not during debit transaction to an account where limit is expired.

Account Maintenance Period(M/Q/H/Y): The periodicity for collecting Account

maintenance charges.

Dflt clg tran code & Dflt inst type: The default clg tran code and instrument type
for this scheme is to be entered here. These values get default populated during lodging of
inward clearing instruments.

Commitment Fee calc method & Min Commit utilisation: This is applicable only when
limits are sanctioned to an account.

Dormant Fee Period(MM/DD) & Inactive Fee Period(MM/DD):The maximum number

of months for which the account can be dormant without being penalized.

Chq allowed: Indicate if cheques are allowed for accounts opened under this scheme
Account statement: the frequency of the pass sheet printing for the accounts opened under
this scheme is mentioned here

Turnover details: If the turnover details like the average balance, total credits, total debits
are required for an account opened under the scheme then the flag should be
checked . Turn over detail frequency must be mentioned in the next field if the turn over
details flag is checked.

3 PARAMETER SETUP – HGSPM

This section covers the parameter set ups for handling Customer accounts under the
scheme types SBA. The scheme codes are created after creating the GL Codes and GL
Subheads. HGSPM is the menu option used for creation of scheme codes. These
activities are explained below.

GENERAL DETAILS SCREEN

Set Id: the SOL set ID for which the scheme is applicable is entered in this field
Effective Date: the date from which the scheme code has to be effective. The date specified
in this field should be a valid date that is greater than or equal to the BOD date.
Expiry date: The date till which the scheme code is effective
Tran Restriction: The valid values for this field are C-Credits Not Allowed D –Debits
not allowed and B –Both Debits and Credits not allowed for accounts opened under this
product. Used to restrict the debits or credits or complete transactions.

Account ID Generation: Whether the account numbers of accounts opened under this
scheme have system generated account numbers or user entered account numbers.
Min Post .work class: The minimum work class required for posting financial
transactions of a/cs opened under this scheme.
Acct Prefix & Sequence: Acct Prefix for the account number field. This can be used as
one of the prefixes/suffixes for account number generation.
Sequence is the Nxt Nbr Tbl code defined in HNNTM for automatic generation of
account numbers.
Non Resident: User can indicate if residents, non-residents or both can open accounts
under this scheme. FCNR scheme?-whether the scheme is an FCNR scheme. This
is applicable only in Single Currency mode.
Acct Closure Across SOLs awd? This is to enable Acct closure by any of the SOLS
.Rpt Tran flag: indicates if a report with a list of transactions is to be generated,
for accounts belonging to this scheme. If the Rpt Tran flag is checked then the Tran
Report Codes are to be set using T –Tran Report codes sub option in HGSPM.
Staff Schm: Valid values Y & N. It is possible to restrict opening of accounts under the
scheme to customers who are employees of the bank only.

TRANSACTION ACCOUNT SCREEN

New Account duration: The number of months from the account open date till which the
account is treated as a new a/c.

Min Acct Closure Period( Mths /Days):The number of months/days within which if
the a/c is closed, A/c closure charges to be levied.

Account Maintenance Period(M/Q/H/Y): The periodicity for collecting Account

maintenance charges.
Dflt clg tran code & Dflt inst type: The default clg tran code and instrument type
for this scheme is to be entered here. These values get default populated during lodging of
inward clearing instruments.

Commitment Fee calc method & Min Commit utilisation: This is applicable only when
limits are sanctioned to an account.

Dormant Fee Period(MM/DD) & Inactive Fee Period(MM/DD):The maximum number

of months for which the account can be dormant without being penalized.

Chq Allowed: Indicate if cheques are allowed for accounts opened under this scheme

Account statement: the frequency of the pass sheet printing for the accounts opened under
this scheme is mentioned here.

Turnover details: If the turnover details like the average balance, total credits, total debits
are required for an account opened under the scheme then the flag should be
checked . Turnover details frequency must be mentioned in the next field if the turn over
details flag is checked.

SCHEME DETAILS SCREEN

No of withdrawals: The number of withdrawals permitted during the month.

No Int If withdrawals exceed: If the value is set to “YES‟ then no interest is computed for
such months. When the value is set to ”NO‟ interest is computed for all the months
irrespective of whether the no of withdrawals exceed the set parameter.

Min bal with chq: Minimum balance required for cheque book facility is to be entered
here. This is associated with an exception while chq book is issued to an a/c.

Debit balance limit: The maximum debit balance that an account can have under the
scheme. This is also associated with an exception.
Ledger folio Fee/folio: The charges prescribed for LF is entered here. This will be
provided as an input in the mrt dump for LF charge calculation. Service Charge/extra
withdrawal: Currently there is no menu option available for charge calculation for
extra withdrawals. Hence, this field may be left blank.

Inactive a/c/Dormant a/c Abnormal transaction limit: Abnormal transaction limit

can be set for Dormant and Inactive accounts. When the transaction amount exceeds the
specified limit an entry is made in the abnormal transactions list which is available for
inquiry/report generation.

Duration to Mark A/c as Inact.: The period is specified in months. When there are no
customer induced transactions in the account for the specified period, the status is
changed to Inactive account.

Duration From Inact. to Dorm: The period(in months) after which Inactive status is
changed to Dormant status for an account. Specific charges can be associated with Dormant
status accounts and also validate for transactions in the dormant account through an
exception set for the purpose.

Domant Fee and Inactive Fee: Event ids can be specified for levying prescribed
charges for dormant and inactive accounts at specified frequency .These event id‟s are
created through HPTTM

Allow Sweeps ?: Whether the accounts opened under the scheme is eligible for Sweep
facility or not. The flag value set here is default populated to the account.

Debit against unclear Bal: whether the accounts opened under the scheme should be
eligible for debit against the clearing credit or not .Interest Calculation Parameter Details( For
SBA Scheme Type only)

Interest Method : Valid values are M-Minimum balance, A-Average balance and E-EOD
balance . This is to enable which balance to be considered for computing the
product for interest calculation.

Balance Between And Of The Month: When the value is M or A for the above column,
then entry of these fields is mandatory. When the value is E, this is optional. The
appropriate exception codes are to be assigned in the Exception codes screen based
on the scheme specific requirements. Dormant frequency code and Inactive frequency code
Here the user can define the frequency in case of dormant accounts and inactive accounts.
4 ACCOUNT MAINTENANCE

Before proceeding with Opening of Account, ensure the required CIF IDs are created and
the Linkage through HCCFM is created and verified. e

4.1 Process of Opening of a CASA Account

S.
Field Action Remarks
No
Enter Menu –
01. Menu Shortcut -
HOAACSB/HOAACCA
A/c Opening – Savings criteria
02. Go Click on Go/Press Enter Key
screen appears
CIF ID is mandatory for opening
03. CIF ID Enter the Customer ID
any customer A/c
Scheme Code can be selected
04. Scheme Code Enter / Select Scheme Code
with the help of the searcher
Details screen appears and
05. Go Click on Go/Press F4 system displays General Details
Tab
Select from the drop-down Select the appropriate code from
06. Dispatch Mode
menu a list.
Select the appropriate code from
08. Mode of Operation Click on Searcher
a list
System displays the Interest
09. Interest Details Click on Interest Details
Details Tab
10. Interest Credit A/c Select – S – Original A/c  
11. Interest Debit A/c Select – S – Original A/c
Next Interest
12. Calculation Date Enter the Date Applicable for SB Accounts Only
(Cr.)
Next Interest
Enter the last date of the current
13. Calculation Date Enter the Date
month
(Dr.)
System displays the Scheme
14. Scheme Details Tab Click on Scheme Details Tab
Details screen
Click on Yes if the customer
If Yes is ticked then move to
has given nomination
15. Nomination Field Nomination Tab and enter the
otherwise no action required in
relevant nomination details
this Tab
Related Party Click on Related Party Details System displays the Related
17.
Details Tab Tab Party Details screen

18. Submit Click on Submit System displays the result screen

Note the account no. created by

20. Temporary A/c ID No Action
the system
Bank can decide whether the account number is to be generated by the system or not
 Temporary A/c ID – System Generated, Permanent A/c ID – Manual Input
d of table
End o

4.2 Process of Modification before Verification of A Newly Opened SB Account

S.
Field Action Remarks
No
Enter Menu –
01. Menu Shortcut -
HOAACMSB/HOAACMCA
A/c Open Modification – Savings
02. Go Click on Go
criteria screen appears
Enter New Temporary
03. A/c ID -
Account No.
System displays the General
04. Go Click on Go
Details screen
Scroll down the screen and click
Any field where Replace the data entered
05. on Submit. The result screen
error occurred incorrectly earlier
appears.
In the result screen the system
06. Message No Action displays the confirmation of having
modified the record

4.3 Process of Verification of A Newly Opened Savings Bank Account

S.
Field Action Remarks
No
Enter Menu –
01. Menu Shortcut -
HOAACVSB/HOAACVCA
A/c Open Authorization – Savings
02. Go Click on Go
criteria screen appears
03. Function Select V – Verify -
04. Temporary A/c ID Enter Newly Opened A/c No. -
05. Go Click on Go General Details screen appears
Authorizer to ascertain the
06. General Details Tab Auto populated
correctness of the details entered
Authorizer to ascertain the
07. Interest Details Tab Click on Interest Details Tab
correctness of the details entered
Authorizer to ascertain the
08. Scheme Details Tab Click on Scheme Details Tab
correctness of the details entered
Related Party Click on Related Party Details Authorizer to ascertain the
09.
Details Tab Tab correctness of the details entered
10. Side Bar Scroll down the screen -
11. Submit Click on Submit System displays the result screen
After authorization the A/c No.
12. Verified A/c ID No Action
becomes a Permanent A/c No.
 4.4 Process of Addition of Nomination in an Existing Account
S.
Field Action Remarks
No
1 Menu Shortcut Enter Menu – HACM -
Customer A/cs Maintenance
2 Go Click on Go
criteria screen appears
3 Function Select M – Modify -
4 A/c ID Enter A/c No. to be modified -
A window is displayed where
5 Signature Click on Signature icon signatures of the customer can
be viewed
6 Go Click on Go General Details screen appears
7 Scheme Tab Click on Scheme Tab Scheme details screen appears
A tick mark appears in the
8 Nomination Click on Nomination Box
Nomination Box
Nomination details screen
9 Nomination Tab Click on Nomination Tab
appears
Registration No. has to be
manually entered as per the
Registration No. serial no. in the Nomination
Register maintained by the
branch
If Nominee is a minor, then enter
Nominee Name relevant data in Birth Date and
Guardian Details fields also
 Relationship with main account
Relationship Enter relevant details in all the holder (Dropdown)
10
Address Line 1, 2, 3 fields  
City  
State  
Country  
Postal Code  
 Yes or No (Enter guardian
Nominee Minor
details in case of Yes.)
Nomination Pcnt  Enter 100
Witness  
11 Side Bar Scroll the Side Bar down -
System displays the result
12 Submit Click on Submit
screen
System confirms the record is
modified successfully

13 Result No Action

get mess
 4.5 Process of Verification of Modification Performed in An Existing Account
S.
Field Action Remarks
No
Notes:
 Invoke the Menu – HACM by entering the same in Menu Shortcut field and click on Go
1 Function Select V – Verify -
2 A/c ID Enter A/c No. to be modified -
The authorizer can also verify
3 Signature Click on Signature icon
the customer’s signature
4 Go Click on Go General Details screen appears
Notes:
Authorizer has to visit General, Scheme, Interest, Nomination, Related Party Details and
Additional Info. Tab even if no modification action was performed in these fields
5 General Tab No Action -
6 Interest & Tax Tab Click on Interest & Tax Tab No Action
Check that Nomination box is
7 Scheme Tab -
ticked
Check that Nomination Details
8 Nomination Tab -
are entered correctly
9 Related Party Tab Click on Related Party Tab No Action
10 Additional Info. Click on Additional Info Tab No Action
11 Submit Click on Submit Result screen is displayed
System confirms the record is
12 Result No Action
verified successfully
End of table

4.6 Process of Modifying An Account from Single to Joint A/c

Notes:
 User to make sure that the CIF ID of joint a/c holder to be added is available before starting
this process
 Invoke the Menu – HACM by entering the same in Menu Shortcut field and click on Go
 Follow the process 303 steps no. 1 to 6 till General Details Tab screen is reached
S.
Field Action Remarks
No
Select relationship
Select appropriate Mode of
1 Mode of Operation corresponding to the Main
Operation
record
2 Related Party Tab Click on Related Party Tab Related Party details displayed
Notes:
 Record 1 of Related Party Tab will comprise of the CIF details of the Main A/c Holder
 Joint A/c holder’s CIF details are added by clicking on Add button which will take the
user to Record 2 screen and so on
Record 2 details screen
3 Add Button Click on Add Button
displayed
Select relationship
Select appropriately from the
4 Relation Type corresponding to the Main
drop-down menu
record
5 Relation Code Select using searcher -
 Enter CIF ID of this record Press Tab key and the system
6 CIF ID
holder populates the CIF details
7 Side Bar Scroll Side Bar Scroll Side Bar down
System displays the result
8 Submit Click on Submit
screen
System confirms the record is
9 Result No Action
modified successfully
End of d

4.7 Process of Verification of Modification of An Account

Notes:
• Invoke Menu – HACM by entering the same in Menu Shortcut field and clicking on Go
• Follow the process of Verification of Modification Performed in An Existing Account

4.8 Process of Inquiring Joint Holder in an Account

Field Action Remarks
Menu Shortcut Enter Menu – -
HJHOLDER
Go Click on Go Joint holder criteria screen appears
Account ID Input the Account ID
Display Type Select the Option All Related Parties (Selected by default)/Joint
Holders only
Go Button Click Related party tab displayed.
Record Navigation Click If more than 1 record is displayed, click on the
Next record / Previous record arrows to
navigate.
5 SIGNATURES

MAINTAIN SIGNATURE
SVS supports upload of signatures by scanning a new signature, upload a file which has
already been scanned, selection of signature from other account. Another advantage of this
system is, It supports upload of signature file of any format like JPEG, TIF, GIF, BMP, etc.

5.1 Process of Signature Scan - Add

Notes: User should use FININFRA Solution for scanning the Signature
Use the Path:
Signature and Photographs → Maintain Signature and Photographs
S. No Field Action Remarks
01. Function Select A – Add -
02. A/c ID Enter the Account ID -
03. Go Button Click Signature and Photograph
details screen displayed
04. Signature Upload Select the required Option Available Options
Mode from the dropdown list. Ex.  L-Scan Later
Select U-Upload from File  N-New Scan
option  U-Upload from File
 S-Select from other
Accounts
 C-Capture from Webcam
05. Signature and Upload from file option: Signature is displayed.
Photograph Browse the image. Click OK
06. Image Access Code Select the relevant Option
07. Remarks Optional Field Free Text field
08. Submit Button Click Result Screen displayed

5.2 Process of Signature Scan - Verify

Notes: User should use FININFRA Solution for scanning the Signature
Use the Path:
Signature and Photographs → Maintain Signature and Photographs
S. No Field Action Remarks
01. Function Select V – Verify -
02. A/c ID Enter the Account ID -
03. Go Button Click Signature and Photograph
details screen displayed
04. Explode Button New Signature Will open a new window with
Signature
05. Click Signature Click Signature window is displayed.
Notepad icon Click on verify button
06. Verify Check box Select the Verify check box
07. Submit Button Click on submit Result Screen displayed

5.3 Process of Signature Scan - Update

Notes: User should use FININFRA Solution for Updating the Signature
Use the Path:
Signature and Photographs → Maintain Signature and Photographs
S. No Field Action Remarks
01. Function Select U – Update -
02. A/c ID Enter the Account ID -
03. Go Button Click Signature and Photograph
details screen displayed
04. Update Radio Select
Button
05. Signature Upload Select U-Upload from File
mode
06. Please select a Window appears, click browse
image to upload and select the new signature
file
07. Ok button Click Signature screen loads
08. OK button Click
09. Submit Button Click Result – “Signature Updated
Successfully” message
displays

5.4 Process Verification of Signature Update

Notes: User should use FININFRA Solution for Signature Verification of update
Use the Path:
Signature and Photographs → Maintain Signature and Photographs
S. No Field Action Remarks
01. Function Select V – Verify -
02. A/c ID Enter the Account ID -
03. Go Button Click Signature and Photograph
details screen displayed
04. Activity Update Select Check Box View Old and New the
signature and click OK
05. Verify Check Box Select (Tick)
06. Submit button Click Result message “Signature
Verified” is displayed

5.5 Process of Inquire on Audit Information – Master Data

Notes: User should use FININFRA Solution for Audit Inquiry
Use the Path: Signature and Photographs → Inquire on Master Data
S. No Field Action Remarks
01. Function Select I-Inquire -
03. Retrieve Options Select Yes
with Errors
04. Activity Update Select Check Box View Old and New the
signature and click OK
05. Go button Click
Result screen with report is displayed

5.6 Process of Inquire on Signature and Photograph Audit

Notes: User should use FININFRA Solution for Audit Inquiry
Use the Path:
Signature and Photographs → Inquire on Signature and Photograph Audit
S. No Field Action Remarks
01. Function Select I-Inquire -
03. Retrieve Options Select Yes
with Errors
04. Activity Update Select Check Box View Old and New the
signature and click OK
05. Go button Click
Result screen with report is displayed
6 DEBIT CARD SETUP

The Card Management System (CMS) is a module for handling the details of cards issued
by a bank. The current scope of Card Management System limited to information i.e., card
attributes as well as card linkages storage, download and reporting. It does not handle
transaction processing based on cards. Banks offering card services must maintain
information regarding the issuance and maintenance of cards.

6.1 Initial Setup: Auto Generation Card Number

It is possible to automate the generation of Card Numbers. For this, the user needs to define
the code through option HNNTM, for “Next Number Type‟ = N (CMS card Number)

6.2 Card Type Code Creation - HRRCDM

REFERENCE CODES: Two reference codes need to be created through HRRCDM: -CARD
TYPE & Card Mandate. Examples of the valid codes for Card Mandate and their
corresponding action are as follows:

CREDIT: Only credit transaction allowed on the card.

DEBIT: Only debit transaction allowed on the card.
INQRY: Only inquiry allowed on the card.
DRCR: Both debit and credit transaction allowed on the card.
NDRCR: No debit and credit transaction allowed on the card.
FREZE: No operations allowed on the card.

NOTE: City Code, State Code and Country Code -Used for address details must also be
created through HRRCDM

6.3 Creation of Card Subtype

HCDSM menu is used for creating new Card Sub Type at the bank level. The Card Type is a
HRRCDM code whereas the Card Sub Type is user enterable as per the requirements. Card
sub types are defined for the behavior of the card. It determines various factors such as daily
limits, offline limits, POS limits and the maximum number of accounts that can be linked. The
user can perform the following maintenance activities for a specified card sub type using the
HCDSM menu option:

The functionality of some of the fields are:

BIN (Bank Identification Number): The unique Bank Identification Number given to each
bank for the purpose of Electronic Fund Transfer (EFT).

FII (Financial Institution Id): The Financial Institution Identification number which is
alphanumerical data with a maximum of six characters.
Card Number generation mode: Valid values are
System generated: A system generated number
Pre-printed: These are the card numbers which have already been generated and
provided. Only account linkage had to be done.
Manual: To be entered by the user depending upon his choice
Standalone (Uploaded): These cards are linked to an account but not have been assigned
any specific card number. The card number can be assigned at user’s discretion while
issuing the card.

Emboss Name length: The Emboss Name is the name that is to be printed on the card.
Maximum length of “Emboss Name” can only be up to defined numbers in the field
“Emboss Name Length” Card Offline Limit, POS Purchase Limit, and Card Daily Limit are
the fields available to indicate the different transaction limits available for the type of card.
The limits will be defaulted to each of the card’s issues and is modifiable.
7 USER OPERATIONS IN DEBIT CARD

7.1 Process of Issuing Debit Card

 User to invoke menu HCDM by entering the same in the Menu Option field and clicking on
Go button
System will display Card Issue criteria screen
S. No Field Action Remarks
1 Function Select – A- Add
Card Type /
2 Select from the list Click on search icon to display list
Card Sub-type
3 Card No Enter the Card Number Manual Entry
4 General Details Tab
5 CIF ID Enter / Search CIF ID
6 Issue Date Enter the Issue Date
Enter the Valid From
7 Valid From Date Date is Printed on the Card
Date
8 Card Mandate Select from the List
Mother Maiden
9 Enter the Name
Name
Various Optional
10 User can update other optional fields
Fields
11 Linkage Tab
Enter / Search Account
12 Account ID
ID
13 Primary A/c Select Yes / No
14 Linked Select Yes / No
15 Submit Button Click Result screen displays

7.2 Process of Verification Debit Card Issue

 User to invoke menu HCDM by entering the same in the Menu Option field and clicking on
Go button
System will display Card Issue criteria screen
S. No Field Action Remarks
1 Function Select – V- Verify
2 Card No Enter the Card Number
4 Visit General Details Tab and check details
5 Visit Linkage Tab and check details
6 Submit Button Click Result screen displays

7.3 Process of Hot-Listing the Debit Card

S. No Field Action Remarks
 1. Menu Shortcut Enter Menu – HCHCM -
2. Go Click on Go Update Cheque Status screen
appears
3. Card No Enter the Card Number
4. Submit Button Click Cheque status is updated
This Process is Auto-Verified

7.4 Process of Modification of Debit Card

 User to invoke menu HCDM by entering the same in the Menu Option field and clicking on
Go button
System will display Card Issue criteria screen

Options in the Modification Type Field :

A-Address (Only Address fields will be Activated)
C – Linkage (Only Linkage details will be activated)
E- Emboss Name (Only Emboss Name field Activated)
L – Limit (Only Card Limit fields activated)
M – Mandate (Only Mandate Field is activated)
S – Status (Only Status Field Activated)
S. No Field Action Remarks
1 Function Select – M- Modify
Select the Relevant
2 Modification Type
Option
3 Card Number Enter the Card No
4 Go button Click Detail Screen displays
5 Perform the desired modification
6 Submit Button Click Result Screen displays
Verify the same
End

7.5 Process of Inquiring Debit Card linkage

 User to invoke menu HACM by entering the same in the Menu Option field and clicking on
Go button
System will display Account Inquiry criteria screen

S. No Field Action Remarks

1 Function Select – I - Inquiry
Enter/Search the A/c
2 A/c ID
ID
3 Go button Click Navigate to Add info Tab
4 Linked Card Details Click on the View Icon Detail window pops-up

8 MENU OPTIONS USED IN THE MODULE

SL No Activity Menu Option
01 General Scheme Parameter Maintenance - CASA HGSPM
02 Opening of a SB Account HOAACSB
03 Modification before Verification of A Newly Opened S B
HOAACMSB
Account
04 Verification of A Newly Opened Savings Bank Account HOAACVSB
05 Addition of Nomination in an Existing Account HACM
06 Verification of Modification Performed in An Existing Account HACM
07 Modifying An Account from Single to Joint A/c HACM
08 Verification of Modification of An Account HACM
09 Inquiring Joint Holder in an Account HJOLDER
10 Opening of a CA Account HOAACCA