1. Exception Queues User Guide
  2. Exception & Investigation Queues - External
  3. External Credit Approval Queue

External Credit Approval Queue

Payment transactions which fail/pending Credit approval check for debit entries with DDA system are moved to ECA queue.

ECA information sent from Payments system includes account number, account currency, CIF ID, branch code, transaction amount and value date of the transaction. The DDA system has to perform the below validations based on the received information based on the following parameters the received information:

  • Existence of the account
  • Currency of the account specified is correct
  • Account belongs to the customer specified and the customer status
  • Account exists on the specified branch
  • Account is authorized, active & open
  • Account status
  • No Debit is not enabled in the account
  • Clear available balance in the account is greater than the transaction amount specified
  • Expiry date of the transaction is transaction value date
  • The DDA system puts an amount block so that the specified transaction can be executed on the transaction value date
  1. On Homepage, specify PQSECAQU in the text box, and click next arrow.
    External Credit Approval Queue screen is displayed.

    Figure 4-3 External Credit Approval Queue

    Description of Figure 4-3 follows
    Description of "Figure 4-3 External Credit Approval Queue"
  2. Search using one or more of the following parameters:
    • Transaction Reference Number
    • File Reference Number
    • Queue Reference Number
    • Network Code
    • Payment Transaction Type
    • Transaction Branch
    • ECA Currency
    • ECA Amount
    • Customer Number
    • Current Status
    • Response Status
    • Requested Date
    • Response Date
    • ECA System Code
    • Authorization Status
    • Cross Border Contract Reference Number
    • Source Code
    • Activation Date
    • Customer Service Model
    • Source Reference Number
    • Ring Fenced ECA
    • Company ID
    • Batch ID
    • Banking Priority
    • Secondary External Status
    • Network Type Code
    • Debtor Account Number
    • Referral
    • System Action
    • Customer Priority
    • Accounting Enabled
  3. Once you specified the parameters, click the Search button.
    System displays the records that match the search criteria.
  4. Payment transactions are moved to external credit approval queue for the following responses:
    • Pending - status ‘P’
    • Reject - status ‘R
    • Response resulted in Interim - status “O’
    • Response is timed out - status ‘T’
  5. If a response is received as rejected, then the system cancels the transaction automatically. Only View Exception option is applicable to such transactions.
  6. Single payment and as well as batch entries are logged into this queue.
  7. If transaction is in ‘O’, ‘P’ or ‘T’ status for ECA, then the following actions are allowed in addition to view exceptions:

    Table 4-2 External Credit Approval Queue - Action

    Actions Functions
    Approve You can approve the payment. Transaction gets reprocessed.
    Resend
    • This option allows the submission of transaction for ECA again if the request is T status. New reference number is created.
    • You can select multiple records and initiate, ‘Resend’ action.
    • Resend Action does not support authorization.
    Cancel

    For the details on processes followed on canceling a payment, refer to Cancellation from Exception Queues.

    Manual cancel from ECA queue is allowed only when ECA request is in Rejected or Retain in Queue Status.
    Retry User can initiate Retry action if:
    • The current ECA status of the ECA record is 'Rejected' and transaction cancellation is not done
    • Activation Date is current date, not a back date

    Retry of a record in ECA queue generates a new Queue Reference.

    Retry allows save and authorize.

    Note: If ECA/Accounting system is FCUBS and overdraft is allowed for the account, user can force post the entries despite ECA failure.

    Carry Forward
    • User can manually move the transaction for processing on next working day. You can move forward the Activation Date manually through this screen.
    • If a record is released from a queue to proceed with the processing (approve action authorization) with a back date as activation date, system will move the activation date as current date and initiate the processing from initial validations.
    Authorize Cancel/ Approve initiated by a user can be authorized by another user.
    Delete Allows the user who initiated the action, to delete the action before authorization.
    View Queue Actions Displays all queue activities performed for the selected transaction.
    View Transaction User can view the selected transaction details.
    Delete Allows the user who initiated the action to delete the action before authorization.
    Reject This action allows you to reject the unauthorized user action. For more details refer to Reject.

    Note:

    • The Remarks received from DDA system on the ECA response is displayed under Remarks column in View Queue Action log, against ECA response.
    • When an ECA request is canceled from ECA Queue. ECA reversal request is sent to DDA system.
    • On the above case, the Remarks received in the ECA response is sent on the ECA reversal request in the tag.
    You can select multiple outbound payments and initiate below queue actions:
    • Approve
    • Cancel
    • Authorize
    • Reject

Parent topic: Exception & Investigation Queues - External