Setting Up Internet Banking

This chapter provides overviews of internet banking, customer account information, banking transactions, and transaction processing, and discusses how to:

Work with the 360-Degree View.
Set up financial transactions.

Understanding Internet Banking

The following diagram illustrates the Internet Banking process using the 360-Degree View and shows the transactions users can perform:

Internet banking process flow for the 360-Degree View

In an agent-assisted scenario, the customer supplies the employee with identification to access customer information. Upon successful identification, the 360-Degree View of the customer appears. The employee can view the customer profile, financial accounts related to each of the roles the customer plays, interaction details, and the Interaction Tree. When the employee selects a specific role, the system displays the accounts, issues, interactions, and automated teller machine (ATM) cards associated with that role.

Understanding Customer Account Information

PeopleSoft Enterprise Banking Transactions enables customers and employees to update account information as follows:

Transaction	Description
Change account nickname	Enables the customer to choose a personally meaningful name for each of the accounts held in the institution.
Change account address	The account address is the address that is related to a specific account. It may or may not be the business contact address. Each account held by the customer must have an address. For example, a customer may want to have statements for a personal account sent to the customer's home address and statements for a business account sent to a business address.
Modify ATM card details	The employee can modify ATM card details by replacing the card, suspending the card, canceling or reactivating the card, changing linked accounts, changing limits, changing card type, or enabling and disabling card features.
Issue ATM card	The employee can issue an ATM card for the customer. The page provides fields to enter card information and delivery information.

The customer can cancel a transaction at any time, and no changes will be made.

Understanding Banking Transactions

PeopleSoft Enterprise Banking Transactions enables self-service customers and employees to perform banking transactions online:

Internet banking transactions

Users perform the following administrative and financial transactions:

Transaction	Description
Stop a check payment	The user can stop payment on a specific check that has been issued on the selected account.
Order a copy of a check	The user can order a copy of a check that has been issued on the selected account.
Reorder checks	The user can order new checks beginning with a specified number for the selected account.
Transfer funds	The user can perform a one-time transfer of funds from one account to another.
Order a copy of a statement	The user can order a copy of a statement for the selected account.
Transfer funds automatically	The user can set up an automatic transfer of funds from one account to another. Funds can be transferred daily, weekly, or monthly.
Pay bills	The user can set up and pay bills online.
Order foreign currency	The user can order foreign currency to be delivered or picked up at a specific location.
Order cashier's checks	The user can order a cashier's check to be delivered or picked up at a specific location.
Order traveler's checks	The user can order traveler's checks to be delivered or picked up at a specific location.

Understanding Transaction Processing

PeopleSoft Enterprise Banking Transactions enables self-service customers and employees to perform financial transactions online. All financial transactions follow a four-step process:

Financial transaction process

When the user completes any financial transaction and clicks the Submit button, a verification page appears, requiring the user to confirm that the transaction should be processed. After the transaction is verified, the system displays a confirmation page with a confirmation of the transaction and a confirmation number. The data is sent to the legacy system. For transactions where shipping is involved, a new case is created to track the shipping. These transactions are: Order Traveler's check, Order Cashier's Check and Order Foreign Currency. In addition to the confirmation number, a case number is displayed at the bottom of the transaction.

Account numbers displayed on various drop-down fields within the PeopleSoft Enterprise Banking Transactions application are derived from the security authorization of the requestor.

Internet banking transactions use either asynchronous or synchronous messaging to link with legacy systems.

PeopleSoft Integration Broker provides the capability to synchronize data from one application system to another. PeopleSoft Enterprise Banking Transactions publishes the requests and pushes them to the channel. The legacy system is set up to subscribe to these messages, so when the channel pushes the messages to subscribers, the legacy system picks up the request. An integration point on the legacy system side must exist for this asynchronous messaging to take place.

Internet banking transactions that use asynchronous messaging by way of the PeopleSoft Integration Broker are: Stop Check Payment, Order Copy of Check, Reorder Checks, Order Copy of Statement, Automatic Funds Transfer, Order Traveler's Checks, Order Cashier's Checks, Order Foreign Currency, and Bill Payment.

The internet banking transaction called Transfer Funds uses synchronous messaging.

When the customer requests any of the preceding banking transactions, PeopleSoft Enterprise CRM generates a confirmation number for the request and indicates any applicable service charge. PeopleSoft Enterprise CRM checks only for complete field entries; it does not validate the data. The request is captured and published to the legacy system. The legacy system validates the request and pushes back a message to PeopleSoft Enterprise CRM to confirm the transaction or update the data.

The message that is sent to the legacy system is also stored in a CRM system table. Agents can see that information later on in the PeopleSoft Enterprise Banking Transactions application by navigating to Financial Services, Review Internet. This page is only agent facing, read-only and used by agents to verify transaction content.

See Also

PeopleSoft Enterprise PeopleTools 8.45 PeopleBook: Integration Broker

Configuring the 360-Degree View for PeopleSoft Enterprise Banking Transactions

This section provides an overview of 360-Degree View access and discusses how to:

Set up user links on the search page.
Access the 360-Degree View.
View customer details.

Understanding 360-Degree View Access

The agent accesses the 360-Degree View by entering information provided by the customer: either the name of the customer, the TIN or social security number (SSN), a business contact ID, the financial account number, the billing account number or the ATM card number. If the criteria produces more than one result (for example, a joint checking account with two owners), then the system displays a grid of results. The agent can find the exact match by additional questioning of the customer.

If entering the component through CTI, the customer types in entry information and the agent is taken directly to the 360-Degree View.

See Also

Setting Up the 360-Degree View

Pages Used to Access the 360-Degree View

Page Name	Object Name	Navigation	Usage
360-Degree View - User Links	RB_TD_ANON_LINK_PG	Set Up CRM, Common Definitions, 360-Degree View, User Links, User Links	Set up and customize the user links that appear on the 360 degree search page.
360-Degree View Search	RB_TD_AGT_SRCH_FSI	Click the 360-Degree View link on the main menu	Access the customer 360-Degree View search dialog.
360-Degree View	RB_TD_AGENT_VIEW	Enter one of the following in the customer identification (search) fields: Customer Business Contact name TIN/SSN Financial Account Number ATM Card Number Billing Account Number	View customer details.

Setting Up User Links on the Search Page

Access the 360-Degree View - User Links page.

Sequence

Enter a number to indicate the order in which the link should appear on the page.

Active

Select Active to activate the link.

Link Name

Enter the name of the link as it will appear on the search page.

Transfer

Select to define the page opened by the link.

Accessing the 360-Degree View

Access the 360-Degree View search page.

Go To

Displays the links that you defined for this page.

My Issues

Displays issues assigned to the customer service representative. Click the Issue link to view issue details.

Search

Enter the customer, business contact name, TIN or SSN, financial account number, billing account number or ATM card number, to search for the customer. Select the customer in the grid to access the 360-Degree View of the customer.

Viewing Customer Details

Access the 360-Degree View page.

The account pagelet lists all accounts this person has access to regardless of whether the person is the owner or not.

Setting Up Financial Transactions

Tables specifically related to PeopleSoft Enterprise Banking Transactions provide the foundation for performing financial transactions.

This section discusses how to:

Set up traveler's check denominations.
Set up bill categories.
Set up transaction configurations.

Pages Used to Set Up Financial Transactions

Page Name	Object Name	Navigation	Usage
Traveler's Check Denomination	RBF_TCHK_DENOM	Set Up CRM, Product Related, Financial Services, Traveler's Check Denomination	Set up denominations for traveler's checks.
Bill Category	RBF_BILL_CATEGORY	Set Up CRM, Product Related, Financial Services, Bill Category	Set up categories for the bill payment function.
Transaction Configuration	RBF_PAYBILL_CONFIG	Set Up CRM, Product Related, Financial Services, Transaction Configuration	Configure bill payment specifications for a customer.

Setting Up Traveler's Check Denominations

Access the Traveler's Check Denomination page.

Denomination

Traveler's checks come in standard denominations. Set up the denominations available to customers for ordering.

Pack of

Each check denomination comes in a package with a specified number of checks. Enter the number of checks in the pack for each denomination.

Setting Up Bill Categories

Access the Bill Category page.

Bill Category

Set up categories to use in the Bill Pay component. Values are: Credit Cards, Loans, and Utilities.

Setting Up Transaction Configuration

Access the Transaction Configuration page.

Account Number

Enter the account number.

Max Payment Amount/Day (maximum payment amount per day)

Enter the maximum amount of bill payment per day.

Time of Day Limit for Payments

Enter the time limit for same-day processing of bill payment. Requests for bill payment after this time are processed the next business day.

Max Days in Advance (maximum days in advance)

Enter the maximum number of days in advance that a bill payment can be requested.

Min Days before Payment (minimum days before payment)

Enter the minimum number of days in advance that a bill payment can be requested.

Cashier Check Amount/Day (cashier's check amount per day)

Enter the maximum amount that can be requested for cashier's checks per day. The amount should be entered in the base currency of the account.

Foreign Currency Amount/Day (foreign currency amount per day)

Enter the maximum amount that can be requested in foreign currency per day. The amount should be entered in the base currency of the account.

Traveler Check Amount/Day (traveler's check amount per day)

Enter the maximum amount that can be requested in traveler's checks per day. The amount should be entered in the base currency of the account.

Fee Reversal Amount

Enter the maximum amount in fees that can be reversed.

Min. Foreign Currency/Trans. (minimum foreign currency per transaction)

Enter the minimum amount that can be requested in foreign currency per transaction.

Sequence	Enter a number to indicate the order in which the link should appear on the page.
Active	Select Active to activate the link.
Link Name	Enter the name of the link as it will appear on the search page.
Transfer	Select to define the page opened by the link.

Go To	Displays the links that you defined for this page.
My Issues	Displays issues assigned to the customer service representative. Click the Issue link to view issue details.
Search	Enter the customer, business contact name, TIN or SSN, financial account number, billing account number or ATM card number, to search for the customer. Select the customer in the grid to access the 360-Degree View of the customer.

Denomination	Traveler's checks come in standard denominations. Set up the denominations available to customers for ordering.
Pack of	Each check denomination comes in a package with a specified number of checks. Enter the number of checks in the pack for each denomination.

Account Number	Enter the account number.
Max Payment Amount/Day (maximum payment amount per day)	Enter the maximum amount of bill payment per day.
Time of Day Limit for Payments	Enter the time limit for same-day processing of bill payment. Requests for bill payment after this time are processed the next business day.
Max Days in Advance (maximum days in advance)	Enter the maximum number of days in advance that a bill payment can be requested.
Min Days before Payment (minimum days before payment)	Enter the minimum number of days in advance that a bill payment can be requested.
Cashier Check Amount/Day (cashier's check amount per day)	Enter the maximum amount that can be requested for cashier's checks per day. The amount should be entered in the base currency of the account.
Foreign Currency Amount/Day (foreign currency amount per day)	Enter the maximum amount that can be requested in foreign currency per day. The amount should be entered in the base currency of the account.
Traveler Check Amount/Day (traveler's check amount per day)	Enter the maximum amount that can be requested in traveler's checks per day. The amount should be entered in the base currency of the account.
Fee Reversal Amount	Enter the maximum amount in fees that can be reversed.
Min. Foreign Currency/Trans. (minimum foreign currency per transaction)	Enter the minimum amount that can be requested in foreign currency per transaction.