Section 10

Processing Control Table

Objectives

Upon completion of this section, you will be able to:

 Define and describe the purpose of a Processing Control Table ID

 Locate the sate of issuance and state of residence on the account
 List the 3 processing levels at which tables can be established
 State the name and location of the field that indicates the processing control level for
accounts in a logo
 List the 4 tables related to the PCT
 Maintain and update a PCT
CMS 8.0

THE PURPOSE OF THE PROCESSING CONTROL TABLE

A Processing Control Table enables you to establish a set of control tables that
define account processing parameters for specific states, provinces, countries or
other logical grouping such as VIP’s or employees. A Processing Control Table
points to other established CMS control tables, including Account Control tables,
Service Charge/Fee tables, Insurance tables, and Interest tables by use of PCT IDs.
A Processing Control Table is a set of records that you can establish at the system,
organization, and logo levels. You can establish one system-level Processing
Control Table, one organization-level Processing Control Table for each
organization in CMS, and one logo-level Processing Control Table for each logo
within CMS.
Each Processing Control Table that you establish in CMS consists of multiple
records. A record in a Processing Control Table identifies the control settings for a
state, province, or country for which you process accounts in CMS. You must assign
a three-character code, called the PCT ID, to identify each record in a Processing
Control Table.
Each record in a Processing Control Table identifies a set of control tables in CMS
consisting of:
 One Account Control table (ACCT on ARMF01)
 One Service Charge/Fee table (SVC/FEE on ARMF01)
 One Insurance table (INS on ARMF01)
 Up to twelve Interest tables (RTOI 1 through RTOI 12 on ARMF01).
For example, suppose your institution processes accounts in the United States. You
might set up a Processing Control Table at the system level containing 51 records—
one record for each state and the District of Columbia. To identify each record in
this system-level Processing Control Table, you can assign the state abbreviation as
the PCT ID (AK for Alaska, AL for Alabama, DC for District of Columbia, and so
on). Each record in the Processing Control Table identifies an Account Control
table, a Service/Charge Fee table, an Insurance table, and up to twelve Interest
tables. These tables provide processing information for the state, province, or
country identified by the PCT ID.

 When setting up records in a Processing Control Table, you

can use any combination of three letters or numbers for the
PCT ID to identify states, provinces, and countries or logical
groupings.
You can have multiple records for each state, province, and country by establishing
Processing Control Tables at different levels. The previous example described how
an institution might set up a system-level Processing Control Table containing 51
records for the United States. In addition to the system-level Processing Control

Section 10 - 2
 Processing Control Table

Table, the same institution might set up organization-level and logo-level

Processing Control Tables. Each table can contain 51 records for the United States,
and the same PCT ID can identify each record in the system-level Processing
Control Table. The control tables assigned to each PCT ID may be different for each
Processing Control Table. This means you can assign one set of control tables to a
PCT ID at the system level, and a different set of control tables to the same PCT ID
at the organization level. The processing control level that you establish at the logo
level or the account level determines which Processing Control Table that a state,
province, or county or logical grouping uses for processing.

PCT IDS

A PCT ID is a three character alphanumeric code that serves as the default control
over interest processing for an account. Every account in CMS must have a PCT ID
on its Account Base Segment.
 If an account is in a private label retail logo, its PCT ID is the RESIDENCE ID
field (state, province, or country where the customer resides).
 If an account is in a bankcard logo, its PCT ID is the ISSUANCE ID field (state,
province, or country where the card was issued).
These fields are located on page 03 of the Account Base Segment record.
Both fields display if the account is in a bankcard logo. Only RESIDENCE ID displays
if the account is in a private label logo.
Although typically used to represent a geographical area, a PCT ID can also be used
to represent a special grouping of customers or accounts within a logo.

Section 10 - 3
CMS 8.0

MAJOR FEATURES OF THE PROCESSING CONTROL TABLE

 Account Control table
 Insurance table
 Interest tables
 Service Charge/Fee table
 New accounts flag
 Current/pending variances
 New account qualifying date

ACCOUNT CONTROL TABLE

The Account Control table defines some of the specific processing parameters for
accounts in the logo controlled by the Processing Control Table. These include
payment due days, grace days, minimum interest, minimum payment indicator (plan
or base segment), minimum payment amount per account, interest review level,
maximum amount of interest waived, maximum balance for which interest is
waived, cash credit limit percentage/amount, fee disclosure indicator, control plan
number for repayment processing, and nonexpiring cash/retail plan numbers.

 Use the Account Control Table functions to add (ARAY), modify

(ARMY), and view (ARQY) Account Control tables. See the
“Account Control Tables” chapter for more information.

INSURANCE TABLE

The Insurance table defines specific insurance products and premiums that you may
include as a part of an account, along with the parameters for insurance processing.

 If CMS cannot find the Insurance table indicated for a PCT ID,
CMS calculates insurance using the Insurance Table assigned
to the DEFAULT PCT ID for that Processing Control Table.

 Use the Insurance Table functions to add (ARAI), modify

(ARMI), and view (ARQI) Insurance tables. See the “Insurance
Tables” chapter for more information.

Section 10 - 4
 Processing Control Table

INTEREST TABLES

The Processing Control Table allows you to associate 12 current and 12 pending
Interest tables for CMS to use for interest calculations. Each Interest table defines
specific interest options, parameters, rates, and limits.

 When entering tables for the DEFAULT PCT ID, CMS verifies
that usury is established for the PCT ID.

 During processing, CMS verifies rates in Interest tables against

usury limits in the Usury table (ARSM) if the usury option has
been selected at the organization level (USURY on ARMO02).

 Use the Interest Table functions to add (ARAR), modify

(ARMR), and view (ARQR) Interest tables. See the “Interest
Tables” chapter for more information.

SERVICE CHARGE/FEE TABLE

The Service Charge/Fee table defines processing parameters specifically related to

charges and fees that CMS assesses on accounts.

 Use the Service Charge/Fee Table functions to add (ARVA),

modify (ARVM), and view (ARVQ) Service Charge/Fee tables.
See the “Service Charges/Fees and Disclosure” chapter for
more information.

CURRENT/PENDING TABLES

For each processing control table ID, current and pending tables are available. The
CURR column lists the identification numbers of the tables currently being used to
process accounts under the ID. Use the PEND column to assign new tables to the ID.

Section 10 - 5
CMS 8.0

CURRENT/PENDING VARIANCES

Variances that you establish on the Account Base Segment (RATE VARIANCES on
ARMB03) relate directly to each of the rate table occurrence indicators in the
Processing Control Table (RTOI 1 through RTOI 12 on ARMF). The Account Base
Segment includes a set of 12 current variances (CURR 1 through CURR 12 on
ARMB03). Each current variance affects the rate that is defined by the
corresponding rate table occurrence indicator. A variance may add to or subtract
from the rate defined by a rate table occurrence indicator. For example, the variance
that you establish in CURR 1 on ARMB03 affects the rate defined by RTOI 1 on
ARMF01.
The Account Base Segment also includes a set of 12 pending variances (PEND 1
through PEND 12 on ARMB03). CMS automatically rolls the set of pending
variances into the set of current variances on the effective date that you specify on
the Account Base Segment (EFFECTIVE DATE on ARMB03).

NEW ACCOUNTS FLAG

Use the new accounts flag (N/A FLAG on ARMF01) to define which tables (current or
pending) CMS applies to new accounts that you open on a date that falls between
the last effective date (EFF DTE on ARMF01) of the current tables and the qualifying
date for new accounts (N/A DTE on ARMF01).

NEW ACCOUNTS QUALIFYING DATE

You specify the qualifying date for new accounts. Accounts opened after this date,
but before the last effective date (EFF DTE) of the current tables, are controlled by
the value in the new accounts flag (N/A FLAG).

Section 10 - 6
 Processing Control Table

ARMF PAGE 00

ARMF ( ) ***** USER-DEFINED TITLE ***** PAGE 00 06/15/1996

PROCESSING CONTROL TABLE 07:24:39

ORGANIZATION ( 000 ) LOGO ( 000 ) PCT ID ( 000 )

PF1=XXXX PF2=*SCROLL* PF3=XXXX PF4=XXXX PF5=XXXX PF6=XXXX

Use the Locate screen to identify a Processing Control Table that you want to add,
modify, or query.

 The Locate screen in add mode (ARAF00) lists the existing

Processing Control Tables previously added into CMS.

ARAF PAGE 01

ARAF ( ) USER DEFINED TITLE PAGE 01 05/14/1999

PROCESSING CONTROL TABLE 15:37:03
ORG 100 LOGO 101 DEFAULT PCT ID ( FL )
ID/LAST MAINT ( )
EFF DTE/RATF ( ) ( )
N/A DTE/FLAG ( ) ( )
CURR PEND
ACCT ( ) ( )
SVC/FEE ( ) ( )
INS ( ) ( )
RTOI 1 ( ) ( )
RTOI 2 ( ) ( )
RTOI 3 ( ) ( )
RTOI 4 ( ) ( )
RTOI 5 ( ) ( )
RTOI 6 ( ) ( )
RTOI 7 ( ) ( )
RTOI 8 ( ) ( )
RTOI 9 ( ) ( )
RTOI 10 ( ) ( )
RTOI 11 ( ) ( )
RTOI 12 ( ) ( )

PF1=ARMU PF2=INQUIRY PF3=ARMF PF4=ARQR PF5=ARQF PF6=MAINT

Use this screen to add a Processing Control Table. This screen displays only in add
mode. See ARMF01 for field descriptions.

Section 10 - 7
CMS 8.0

ARMF PAGE 01

ARMF ( ) **** USER DEFINED TITLE ****** PAGE 01 05/24/2000

PROCESSING CONTROL TABLE 14:20:51
ORG 100 LOGO 101 DEFAULT PCT ID ( FL )
ID/LAST MAINT CMG FL LRF
EFF DTE/RATF ( 00000000 ) ( N ) ( 00000000 ) ( N ) ( 00000000 ) ( N )
N/A DTE/FLAG ( 00000000 ) ( U ) ( 00000000 ) ( U ) ( 00000000 ) ( U )
CURR PEND CURR PEND CURR PEND
ACCT 010 ( 000 ) 001 ( 000 ) 001 ( 000 )
SVC/FEE 001 ( 000 ) 001 ( 000 ) 002 ( 000 )
INS 001 ( 000 ) 001 ( 000 ) 001 ( 000 )
RTOI 1 001 ( 000 ) 001 ( 000 ) 001 ( 000 )
RTOI 2 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 3 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 4 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 5 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 6 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 7 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 8 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 9 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 10 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 11 000 ( 000 ) 000 ( 000 ) 000 ( 000 )
RTOI 12 000 ( 000 ) 000 ( 000 ) 000 ( 000 )

PF1=ARMU PF2=ARAF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

This screen displays up to three Processing Control Tables. If more Processing

Control Tables have been established at this processing control level, you can
display the additional tables by pressing PF function keys.

 The sample screen is in maintenance mode (ARMF01). The

screen is similar in inquiry mode (ARQF01).

RELATED FIELDS
DEFAULT PCT ID PCT ID that identifies the default Processing Control Table that
CMS will use for retail accounts if the residence identification
(RESIDENCE ID on ARMB03) is undefined and for bankcard
accounts if the issuance identification (ISSUANCE ID on ARMB03)
is undefined.

The PCT ID entered in this field must have an assigned Account

Control table (ACCT), Service Charge/Fee table (SVC/FEE),
Insurance table (INS), and Rate Table Indicator 1 (RTOI 1).

 All tables (Account Control table, Service Charge/Fee table,

Insurance table, and Rate Table Indicators 1–12) must be
defined for a PCT ID before entering that PCT ID in the
DEFAULT PCT ID field.

Section 10 - 8
 Processing Control Table

EFF DTE/RATF Two part field that indicates the last effective date for the current
tables (EFF DTE) and the ratification flag that controls the rate
change (RATF).

The first part (EFF DTE) is the last effective date for the control
tables listed under the CURR column. On the last effective date,
CMS automatically rolls the tables from the PEND column into the
CURR column, and the control tables listed under the CURR
column take effect for this Processing Control Table. The new
Interest table (listed in one of the RTOI 1-12 fields under the CURR
column) takes effect based on the rate change method specified
by the ratification flag (RATF).

 The EFF DTE field is required when you make an entry in any
fields in the PEND column. The date entered must be greater
than or equal to the next processing date.

The second part (RATF) is the ratification flag that controls the rate
change after the last effective date occurs. The values are:
D = Debit ratification. The rate change takes
effect when the first customer-initiated debit
occurs after the last effective date.
G = Grandfather rate. The rate change does not
take effect.
M = Debit ratification after billing cycle. The rate
change takes effect when the first customer-
initiated debit occurs after the billing cycle
following the last effective date.
N = Normal. The rate change takes effect
immediately after the last effective date.
(Default)
S = Cycle ratification. The rate change takes
effect when the account cycles after the last
effective date.

Section 10 - 9
CMS 8.0

N/A DTE/FLAG Two part field that indicates which tables (PEND or CURR) CMS
uses for new accounts. The first part (N/A DTE) is the new account
date. The second part (N/A FLAG) is a flag that determines whether
CMS uses the pending tables (PEND column) or the current tables
(CURR column) for accounts opened after the new account date
(N/A DTE) but before the effective date (EFF DTE). The values are:
U = Use the table values listed under PEND for
new accounts
N = Use the table values listed under CURR for
new accounts. (Default)

CURR This column lists the identification numbers of current CMS

control tables assigned to this Processing Control Table. The
CMS control tables that you can assign to a Processing Control
Table include:
One current Account Control table (ACCT)
One current Service Charge/Fee table (SVC/FEE)
One current Insurance table (INS)
One to twelve current Interest tables (RTOI 1 to RTOI 12).

 When establishing the Processing Control Table designated as

the DEFAULT PCT ID, the CURR column requires a valid Account
Control table number in ACCT, a valid Service Charge/Fee
table number in SVC/FEE, a valid Insurance table number in
INS, and twelve valid Interest table numbers in RTOI 1 through
RTOI 12.

When establishing other Processing Control Tables not

designated as the DEFAULT PCT ID, you may choose to:

Assign a valid Account Control table number in ACCT, a valid

Service Charge/Fee table number in SVC/FEE, and a valid
Interest table number in RTOI 1. If any of these fields contains a
table, all three fields are required. When assigning these three
tables to a Processing Control Table, the INS field (Insurance
table number) is optional.

Assign a valid Insurance table number in INS. CMS allows you

to establish a Processing Control Table that is assigned an
Insurance table only (INS) and no other control tables.

Section 10 - 10
 Processing Control Table

PEND This column lists the identification numbers of pending CMS

control tables assigned to this Processing Control Table. The
CMS control tables that you can assign to a Processing Control
Table include:
One current Account Control table (ACCT)
One current Service Charge/Fee table (SVC/FEE)
One current Insurance table (INS)
One to twelve current Interest tables (RTOI 1 to RTOI 12).
CMS automatically moves these table numbers to the CURR
column after the last effective date assigned to the Processing
Control Table (EFF DTE).

 If you enter a last effective date for a Processing Control Table

(EFF DTE) you must enter valid table numbers in the PEND
column for each table with a value greater than zero (000) in
the adjacent CURR column. You must enter pending table
numbers even if the current table numbers do not change.

ACCT (APPEARS Identification number of the Account Control table assigned to

2 TIMES) this Processing Control Table. Separate fields enable you to
assign a current table (CURR column) and a pending table (PEND
column). The values are 000–998.

 To indicate an Account Control table is not assigned, type 000

in this field. To assign an Account Control table, type a valid
table number (001–998) in this field. The Account Control table
must be added before entering the table number in this field.
Use the Account Control Table screens to add (ARAY), modify
(ARMY), and query (ARQY) Account Control tables.

SVC/FEE Identification number of the Service Charge/Fee table assigned to

(appears 2 times) this Processing Control Table. Separate fields enable you to
assign a current table (CURR column) and a pending table (PEND
column). The values are 000–998.

 To indicate a Service Charge/Fee table is not assigned, type

000 in this field. To assign a Service Charge/Fee table, type a
valid table number (001–998) in this field. The Service
Charge/Fee table must be added before entering the table
number in this field. Use the Service Charge/Fee Table screens
to add (ARVA), modify (ARVM), and query (ARVQ) Service
Charge/Fee tables.

Section 10 - 11
CMS 8.0

INS (APPEARS 2 Identification number of the Insurance table assigned to this

TIMES) Processing Control Table. Separate fields enable you to assign a
current table (CURR column) and a pending table (PEND column).
The values are 000–998.

 To indicate an Insurance table is not assigned, type 000 in this

field. To assign an Insurance table, type a valid table number
(001–998) in this field. The Insurance table must be added
before entering the table number in this field. Use the
Insurance Table screens to add (ARAI), modify (ARMI), and
query (ARQI) Insurance tables.

RTOI 1 – 12 Identification number of the Insurance table assigned to this

(APPEARS 12 Processing Control Table. Separate fields enable you to assign up
TIMES) to twelve current tables (CURR column) and up to twelve pending
tables (PEND column). The values are 000–998.
Each interest table assigned to a Processing Control Table is
referred to as rate table occurrence indicator 1 through 12,
depending on which of the RTOI fields contains the table number.
The Credit Plan Master record determines which Interest table to
assign to a credit plan (RATE TBL OCCUR on ARMC01).

 To indicate an Interest table is not assigned, type 000 in this

field. To assign an Interest table, type a valid table number
(001–998) in this field. The Interest table must be added before
entering the table number in this field. Use the Interest Table
screens to add (ARAR), modify (ARMR), and query (ARMQ)
Insurance tables.

Section 10 - 12
 Processing Control Table

DEFINING PCT LEVELS

You can establish a one system level Processing Control table, one organization
level Processing Control table for each organization within CMS, and one logo
level Processing Control table for each logo within CMS. You must point each logo
to a default Processing Control table.
Use the proc control level field on the Logo record (ARML) page 14 to identify the
default table for each Logo.

ARML PAGE 14

ARML ( ) ** USER DEFINED TITLE ** PAGE 14 11/13/2001

LOGO RECORD 13:30:20
ORGANIZATION 100 LOGO 101
PROCESSING CONTROL OPTIONS (CONT.) BILL THRESH ( 000001000 )
MIN REAGE MONTHS ( 12 ) REAGE PERIOD ( 036 ) REAGE PERIOD LIMIT ( 2 )
PROC CONTROL LEVEL ( O ) PRE-PAY ALLOWED ( 2 ) PRE-PAY MONTHS ( 03 )
BILL EVEN AMOUNTS ( Y ) BILL OVER LIMIT ( N )
SKIP ALLOWED ( Y ) SKIP SELECTED ( N ) SKIP EXPIRES ( )
REAGED AT ( C ) ( 030 ) REAGE FREQ ( 24 ) REAGE CD LVL ( 4 )
FLEX BILL MONTHS ( 00 ) PREPAY ZERO ( 1 ) PLAN PAYMENT ( F )
PAYMENT VARIANCE ( A ) ( 000000500 ) DELINQUENCY INTEREST LEVEL ( 4 )
PAYOFF VARIANCE A ( 000001000 ) P ( 0000000 ) MAX ( 000000000 )
QUAL PMT A ( 000002000 ) P ( 9000000 ) NOM BILL OVERLIMIT ( 1 )
QUAL PAYMENT RESET % ( 090 ) C/O CREDIT APPLICATION F/L/B ( F )
PAYMENT APPLICATION LVL ( P ) MIN DELQ AMT ( 00000000000005000 )
UNDER PAYMENT 1-4 F/L OVER PAYMENT 1-4 F/L
REVOLVING ( 1 ) ( F ) REVOLVING ( 1 ) ( F )
DEFERRED INT-F/C ( 1 ) ( F ) DEFERRED INT-F/C ( 1 ) ( F )
DEFERRED PAYMENT ( 1 ) ( F ) DEFERRED PAYMENT ( 1 ) ( F )
DEFERRED BILLING ( 1 ) ( F ) DEFERRED BILLING ( 1 ) ( F )
OTB: CR BAL ( 0 ) DISP ( 0 ) LOAN AMT ( 1 )
AUTH DAYS - APP ( 10 ) AUTH DAYS - DECL ( 15 ) AUTH VARIANCE ( 1500000 )
CURRENCY 840 NOD 2 PER ITEM NOD 2 PERCENTAGE NOD 7
PF1=ARMU PF2=ARMS PF3=ARMO PF4=ARMG PF5=ARMC PF6=INQUIRY

RELATED FIELDS
PROC CONTROL Code that indicates the processing control level for accounts in
LEVEL this logo. The values are:
L = Logo
O = Organization
S = System.

Section 10 - 13
CMS 8.0

REFERENCE LIST

ONLINE

 ARMB – Account Base Segment

 ARMV – Service Charge/Fee table
 ARMR – Interest table
 ARMI – Insurance table
 ARMY – Account Control table

REVIEW

1. You can determine an account’s PCT ID by looking in the _________________ field

of the _________________ record for private label retail accounts and in the
_________________ field of the _________________ record for bankcard accounts.

2. True or False
_____ The Processing Control table can utilize only one Interest table for each
PCT ID.
_____ The Processing Control table can simultaneously point new accounts to one
set of tables while pointing existing accounts to another set of tables.
_____ The Processing Control table is always established at the logo level.
_____ You can change the rate on an Interest table in the Processing Control table
and have it go into effect only after the first customer-initiated debit.

3. Place checks next to the following control records that are components of a
Processing Control table.
_____ Insurance table _____ Credit Plan Master
_____ Rate Index table _____ Interest table
_____ Account Control table _____ Validation table

4. You can process accounts at the _________________, _________________, or

_________________ levels. You can look at page _________________ of the
_________________ record to determine at which level an account is processing.

Section 10 - 14