The Flow of

Posting in CMS
The High-Level Program Flow
 Open all files
 Read Org record from AMCR
 Load related records
 If Org Processing
 Process all accounts in org
 Repeat for all Orgs in AMCR
 Close all files
Load Related Records
 Load Org level Details
 Load AMRT - AR50WS
 Load AMMC - AR07WS
 Load AMCP - AR25WS
Non-Processing Org
 If ORG not processing
 Warehouse all the transactions
 Read AMBS records till the next Org
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Load Related Records
 Logo Level
 Load AMCR Logo record
 Load Logo level PCT from AMRT
 Load Logo level Account, Fee, Insurance and Interest
records from AMRT

 Others
 Decide PCT Level
 Load AMSC, AMPS, AMPH, AMOA records
AMRT Layout
Record Type
1 - Account Control Table (ARMY)
2 - Interest Table (ARMR)
3 - Insurance Table (ARMI)
4 - Fee Table (ARVM)
5 - Rate Index Table (ARRM)
6 - PCT Table (ARMF)
7 - Amortization table (ARKM)
* Loaded into AR50WS
AMPS Layout
Record Type
1 – Plan Data
2 – Loan Data
3 – User Data
4 – Bill History
5 – Payment History
6 – Original Loan Data
AMPS Layout
Record Type
7 – Amortization Data
8 – Settlement Data
9 – Transfer Data
10 – Reschedule Data
11 – Transfer history Data
* Loaded into AR26WS
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Pre-Post Processing
 Check the Status of the Account
 Check the billing cycle of the account
 Initialize the statement data if statement
date
 ACH Prenote Processing
 Post CTA maintenance - ATCL
 Reset account level MTD, YTD fields
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Pre-Interest Accrual
 AMBS-DATE-ACCR-THRU < (TODAY’S DATE -1)
 E.g. Today is Friday, tomorrow is month end. Saturday
and Sunday are non processing days .
 Interest is Accrued till Saturday.
 Next processing date is Monday.
 In Monday’s run, interest accrual happens for Sunday
first as pre-interest accrual.
Pre-Interest Accrual
 Calculate the PRE-DAYS.
 Difference b/n AMBS-ACCR-THRU-DATE and (Today’s
date -1)
 Populate the ps-date-accr-thru
 Find the interest table
Pre-Interest Accrual
 Plan Accrual (for all plans)
 Compute BSTFC
 Daily accrual for pre days
 Test State Usury (if set in aromo02)
 Spread BSTFC
 Select the year base
 Calculate plan accrued interest
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Monetary Posting
 Resolve credit balance if Payment Txn
 Transaction validation/Edit
 Invalid transaction code
 Non-post purge transactions – report to GL
only
 Generated Transactions - bypass some edits
 Transactions from AMJ1 - reject reentry
 Transaction edit checks – stages 1 to 5
Monetary Posting
 LM based transaction edit
 Actual posting of the transaction
 Check whether the transaction is to be
backdated
 Determine the plan segment to post the
transaction
 .....Continues for all the records of ATPT
of the account
Post Posting
 Resolve credit balance if at-least one
credit and debit balance plan
 Generate Direct Credit
 Generate Direct Debit – Non Cycle
 Resolve credit balance
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Post-Interest Accrual
 Interest accrual for today
 Calculate the post-days
 Difference b/n AMCR-O-C-ACCR-THRU-date
and AMBS-DATE-ACCR-THRU and then
populate the AMBS-DATE-ACCR-THRU
 Plan Accrual
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Test Grace Days
 Check for the payment made ( consider
the payoff variance if necessary)
 If no beg-bal & no payment made
OR BEG-BAL is not paid in full, deduct the
payment grace days.
Test Grace Days
 IF BEG-BAL is paid in full.
 Waive accrued interest for the beg-bal
 Waive the deferred interest
 Reduce the Aggregate balance
 Zero out the payment grace days
Test Grace Days
 If any payment is made to the debit activity
which is not billed
 Waive the deferred interest on the first day
of the next cycle.
After Interest Accrual
 Potential Charge-off process
 Overlimit Fee process
 Late Fee process
 User Fee 1 – 6 process
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Cycle / Statement Processing
 Membership Fee process
 Cycle Interest (Billing, Waving, Deferring
Interest) process
 Resolve credit balance
 Automatic re-aging process
 Monthly service charge process
 Consolidate plan segments for minimum
payment due calculation
Cycle / Statement Processing

 Calculate minimum payment due

 Calculate User Fee 1 – 6 for loan plans
 Calculate insurance premiums
 Calculate projected ACH amount if ACH
active
 Generate DD payment - Cycle
 Compute days delinquency
 Resolve credit balance
Minimum Payment Calculation
 Payment calculation is done in the
D140PMTC
 Routine will be called from posting
program (ARD140) in the statement
process
Minimum Payment Calculation
 AMBS Fixed Payment and Plan Full
balance (Payment Flag)
 Payment flag on AMPS
 Minimum and Maximum amounts on
Account Control Table
 Bill Even Amounts flag on the Logo
Record
Minimum Payment Calculation
 Block code checks for billing full balance
calculation (DF)
 Skip Payment
Cycle / Statement Processing
 Generate Statement master – ATSM
 Roll account level billing history - AMPH
 Update AMPH
 Reset AMBS CTD fields
 Update plan level billing history – AMPS
 Reset AMPS CTD fields
 Update remaining terms for loan plans
Cycle / Statement Processing
 Account migration checks – AMBI
 If checks satisfied, migrate account to
AMBI
 For loan plans with remaining term = 0
 Generate batch settlement quote
 Generate Interim statement if requested
on a non-cycle day
Post Statement Processing
 Automatic charge-off process
 Process AMBS letter request if present
 Examine account for sending to CTA
 Write Embossing tag to ATEI
Account Processing Flow
 Load Related Records
 Pre-Post Processing
 Pre-Interest Accrual
 Monetary Transaction Posting
 Post-Interest Accrual
 Test Grace Days
 Cycle/Statement Processing
 Account Output
Account Output Process
 Write ATSC, ATPS, ATPH
 Checks for dropping a plan
 Update paid-out date
 Write Account based reports to ATRF
 Write ATBS
THANK YOU !!!