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Overdraft Protection Plan ( RELNBANK_463_BCA_US_OD )
ABAP Short Reference BAL Application Log DocumentationThis documentation is copyright by SAP AG.
Short text
Overdraft Protection Plan
Use
Overdraft protection is a service provided by US banks that allows an account to be linked to another account that provides protection against returned items or overdrafts. For example, Checking account can be related to Savings account, LOC, Money market account etc..
The following special features are available with this plan.
- The entire overdraft protection is automatically handled through EOD report RBCA_US_OD_PROCESS (transaction BCA_US_OD_PROC) for all the applicable accounts. For each account this program calculates the total amount needed to cover all the payment item and payment order post processing logs. Then this amount is transferred from the related account. The results are immediately stored in the log for later reference any time using transaction BCA_US_OD_PR_LOG.
- Only one overdraft protection transfer per account to cover all the payments from post processing on one business day
- Each transfer can be associated with a transaction charge automatically.
- This overdraft transaction can be reversed ay any time. The charges will also be reverse posted automatically.
- The feature can be enabled/disabled at account level or product level. Also this feature will be skipped for all the accounts which are inactive.
- The maximum number of overdraft protection transfers can be restricted per month complying to federal requirements.
- The overdraft portion of money can be transferred as exact needed amount or incremental amount from the related account.
- During EOD processing in case the account is credited with incoming payment with enough money to cover all the pending transactions, this program automatically skips this account and thereby avoiding any overdraft transfer for the customer.
- In case of non sufficient funds to cover all the payment transactions, the account can be authorized to have partial payment functionality with any one of the following rules for prioritization.
1. Prioritize the transactions based on Transaction types or
2. Prioritze based on the transaction amounts (can be sorted from 'Large amount to small amount' or
'Small amount to large amount')
- Using the report transaction BCA_US_OD_ANAL the overdraft transactions can be analyzed or print the customer notification documents through partner printing systems.
Basic Transactions to use Application:
Use transaction BCA_US_OD_PROC (Program RBCA_US_OD_PROCESS) for executing overdraft program which will calculate the total amount for each from post processing and then do overdraft protection transfer.
Use report transaction BCA_US_OD_PR_LOG for report RBCA_US_ODPRLG for vie wing the log created by overdraft protection program.
Use report RBCA_US_OD_ANALYSIS for customer notification printing and reporting purpose.
Precations:
Make sure the condition area used for charging transactions is assigned to the product.
Atleast one transaction must exist in payment item or payment order post processing logs. Otherwise this protection functionality will not work.
Effects on Existing Data
Effects on Data Transfer
Effects on System Administration
Extra notes on Application Side Setup of Overdraft Protection,
We assume at this point that all IMG required setup components have been completed.
Step 1: Create Charge Condition - For charges against the account credited with an Overdraft item, create a new condition for the credit Overdraft Transaction type, and assign it to the condition area used in the corresponding product.where Overdaft Protection will be used.
Step 2: Master Data - Maintain the overdraft plan and account relationship details in tables BCA_US_OD_PLAN and BCA_US_OD_REL.. Through transaction SM31, use maintenance view V_BCA_US_OD_PLAN for maintaining the table BCA_US_OD_PLAN and use maintenance view V_BCA_US_OD_REL for maintaining the table BCA_US_OD_REL.
BCA_US_OD_PLAN - DB fields Detailed description
BKKRS - Bank area
ACNUM_INT - Internal account number for current account(Internal # used for accounts master relationship and performance reasons)
X_OD_IND - Overdraft indicator for US specific banks(Check this field to activate Overdraft plan for this acct)
MAX_TRANSFER,,- Max. number of overdraft transfers per statement period
OD_TRANS_METHOD - Overdraft transfer method (Exact or incremental amount)
INCR_AMOUNT - Incremental amount for overdraft protection
BCA_US_OD_REL .- DB fields Detailed description
BKKRS - Bank area
ACNUM_INT - Internal account number which has overdraft plan in table BCA_US_OD_PLAN
SEQ_NO,,- Sequence number for Overdraft relationship (First account with seq. number 1 will be given highest priority, number 2 second priority and so on...)
BKKRS_REL - Bank area for Overdraft related account
ACNUM_INT_REL,,- Internal number for related account used for overdraft protection
Effects on Customizing
Transaction types for overdraft protection have to be setup. Please use the IMG section to set up transaction types and create 3 new transaction types, one for debiting from savings account, one for crediting into checking account and another one for charging the credit transaction type.
Activate these transaction types to the applicable products.
Maintain the Debit transaction type in 'Set default values' with the overdraft protection transaction BCA_US_OD_PROC.
Maintain the G/L related customizing for these transaction types.
Maintain overdraft protection customizing settings in view cluster V_TBCA_OD_MAINT.
Further Information
Fill RESBD Structure from EBP Component Structure ABAP Short Reference
This documentation is copyright by SAP AG.
Length: 6414 Date: 20240424 Time: 153648 sap01-206 ( 91 ms )
