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Extended Incoming Payment Distribution for Installment Loans (New) ( RELNBANK_CML_600_PAYMT )

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Extended Incoming Payment Distribution for Installment Loans (New)

Use

As of SAP ECC Enterprise Extension Financial Services 6.0 (EA FS 600) you can use the following new functions for the extended incoming payment distribution when processing loans from the category Installment Loans(360).

• Lockbox

• Import

• Post

• Postprocess

• Check Deposit

• Enter Manually

• Postprocess

The use of a lockbox provider for the processing of incoming payments for loans given is country-specific.

• The borrower receives a payment coupon from the lender and sends this together with a check to a lockbox provider.

• The lockbox provider converts the data from the check and the payment coupon into an electronic file and sends this to the lender.

• The lender imports the electronic payment data into the SAP system. The payments are processed according to the payment hierarchies and parameters defined in the system. The following options are supported:

• Number of periods that can be prepaid (product attribute)

• Payment tolerance (Product attribute)

• Curtailment (Product attribute)

• Hierarchies dependent on payment status

The extended incoming payment distribution is connected to the new functions for Billing. You can use the following functions to process incoming payments and the relevant correspondence:

• Create/Display/Print Bills

You use these functions to create, display, or, after it has been forwarded to a print provider, reprint a list of all loan data that is to be displayed on a bill.

For more information about billing, see Billing for Installment Loans (New).

• Create Auto Debit Files

You use this function to generate a list of all loan data required for the creation of auto debits.

• Create/Display Files for Credit Bureau

You use these functions to create or display a list of all loan data that needs to be sent to a credit bureau for documentation purposes.

For more information, see Credit Bureau Reporting for Installment Loans (New).

• Create Stop File for Lockbox Procedure

You use this function to generate a list of all the loan data for a borrower, for which a stop has been entered and so is excluded from the automatic processing by the lockbox provider.

For more information about stops, see Stops Management for Installment Loans (New).

• Create Payoff from Overpayment

You use this function to create overpayments as payoffs and process them automatically.

For more information about the new function for loans belonging to the product category Installment Loans (360), see Product Category Installment Loans (360) (New).

Effects on Existing Data

Effects on Data Transfer

Effects on System Administration

Effects on Customizing

To be able to use these functions you need to have executed the following IMG activities for Extended Incoming Payment Distribution in the Functions section of Customizing for Loans Management:

• Define Underpayment Hierarchy

• Define Overpayment Hierarchy

• Define Payment Plan

• Assign Payment Plan to Product Type

• Define Payment Rules

• Assign Payment Rules to Payment Plan

• BAdI: Determine Customer-Specific Plan for Incoming Payment Distribution

You can change the payment plan of a loan product at loan level to suit the requirements of your organization.

• BAdI: Customer-Specific Creation of Payment Rules

You can adjust the payment rules of a loan to suit the requirements of your organization and override stops from the category System Stop: Post Incoming Payment to Suspense Account.

• BAdI: Customer-Specific Creation of Stop Files (Lockbox Procedure)

You can have the system write the data from the lists of loans where stops have been entered, into a specific file. The lists are generated by the report Create Stop File for Lockbox Procedure.

Further Information

For more information, see the documentation for the individual IMG activities, and in the SAP Library under Financials → SAP Banking → Loans Management → Accounting→ Extended Incoming Payment Distribution.

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This documentation is copyright by SAP AG.

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