Direct Debit system

Direct Debit Payments

Direct debit payments will start when an Originator presents a balanced file of
payments to its Sponsoring Bank. The file will be processed by the Sponsoring Bank,
and each individual direct debit will be presented for payment on the payers
account. The payers bank can either send the payment out or return an unpaid
direct debit to the Sponsoring Bank.

The Originator will give the payer advance notice of the amount and date and of the
debit to be presented. The tasks involved in processing payments for the direct
debits are described in the following sections.

Creating Direct Debit Payment Requests

Uploading Direct Debit Payment Requests

Confirming Direct Debit Payment Requests

Managing Repair Queue Files

Posting File Creation System

DD501 Posting File Creation as per posting to core banking

DD502 Response File receiving from core banking

End of the Day PayNoPay posting file creating as per core request

User Management
This section discusses the tasks can be performed in the User Management module.
It consists of the following.

Setting Up User Group

Setting Up User Definition

Setting Up Role Definition

Assign Roles to Modules

Change Password

Mapping Roles to User Groups

Setting Up Password Policy

Setting up Master Data
Setting up Master Data deals with the activity of creating and maintaining the
master data that are required to work with the application. It consists of the
following.

Setting Up Document Configuration

Setting Up Static Data

Setting Up Holiday Details

Setting Up DDA Enquiry Transactions

Searching Enquiry Documents

Setting Up Charges Configuration

Transaction Code Mapping

Setting Up Segment Charges Configuration

Setting Up TAT Configuration

Setting Up Bank Restriction Details

Setting Up Email Configuration

DDA Enquiry

DDR Enquiry

Originator Administration
Originator is an organization that provides services and utilities on a regular basis to
its customers and consumers and needs to get paid for the same at regular
intervals. Each originator should be sponsored by a Sponsoring Bank (an approved
bank or NBFC in UAE), which is responsible to sponsor the originator to the UAEDDS.
For this, the Sponsoring Bank has to register and activate its originator in UAEDDS.
The process of registering and activating an originator includes the following three
steps.

Lodging and Approving Originator Registration Request

Scheduling Compliance Review

Reviewing and Approving Originator Compliance Check

Direct Debit Authority Administration

A Direct Debit Authority (DDA) is an instruction from a customer to the customers
bank authorizing a payee such as a public utility, insurance company, etc., to collect
varying amounts from the customers account in settlement of outstanding bills for
goods or services provided.

Once the DDA has been signed, and returned to the Originator, it is the
responsibility of the bank (paying) to take care of all further payments. However, in
any event, the paying bank needs to adhere to the minimum and maximum amount
as specified in the DDA. The payer will receive an advance notice of the bill amount,
every time the payers account is debited.

A direct debit authority can be set up by the sponsoring bank or by the paying bank
based on the finance (loans) or non finance (non-loans) services. Once the direct
debit authority is expired or cancelled, appropriate communications will be done to
inform the concerned parties.

The administration of DDA consists of the following sections and it is executed

through the DDA Processor and DDA Approver home pages:

DDA OUTBOUND

About DDA Processor/Approver Home Page

Setting Up DDA for Financings

Confirming DDA Setup for Financings

Setting Up DDA for Non-financings

Confirming DDA Setup for Non Financings

Amendment DDA setup for Financings

Amendment DDA setup for Non Financings

Uploading DDA Files

Cancelling Financings/Non Financings DDA Files

Uploading DDA Cancellation Files

DDA Inbound

300 Inward received PB

DDA confirm /Unconfirmed 310 will generated

AMEND the DDA 300 Inward Received

Amend the DDA confirm /unconfirmed 310 will generated

DDR Outbound

DDR setup from Sponsoring Bank request screen

DDR RUN records process

DDR Claim Instance Recovery

DDR Inbound

DDR Inbound Processer home page

DDR paynopay response screen

Generating DDS Reports

This section will provide you the conceptual and procedural information on
generating some common reports.

Originator Registration Details Report

Originator Amendment Report

DDA Outbound Details Report

DDA Outbound Amendment Report

CSV DDA Uploaded Report

DDA Inbound Details Report

CSV DDR Uploaded Report

DDR Outbound Details Report

DDR Inbound Details Report

DDA Inbound Amendment Report

CSV Reject File Uploaded Report

Lodged DDA

CSV Cancel Uploaded Report

Audit Transaction Detail Report

Audit Master Detail Report

 Posting File Report

No Pay Advice Report

Cancel Finance DDA Outbound Report

Cancel Non Finance DDA Outbound Report

Cancel Finance DDA Inbound Report

Cancel Non Finance DDA Inbound Report

DDR Presentment based on Reference Number

DDA Due for Presentment

DDR Inbound Repair Queue Details

DDR Outbound Repair Queue Details

DDR Inbound NSTP

DDA 300 File Uploaded Summary Report

DDA 500 File Uploaded Summary Report

DDS CB Generated Report

DDS CB NAK Report

DDS CB Imported Report

Originator TAT Report

DDA TAT Report

CB Charging Report

Generating CB Reports
The UAEDDS will send the details of the files it received to the respective bank as a
purpose of reference in a regular interval. The following sections describe you
generating reports for the files received from the UAEDDS and consist of the
following:

Lodged DDA OR001

Cancelled DDA OR002

Expired DDA OR003

DDR Presented OR004

DDR Paid OR005

DDR Returned OR006

Amended DDA OR007

Lodged DDA SB001

Cancelled DDA SB002

Expired DDA SB003

DDR Presented SB004

DDR Paid SB005

DDR Returned SB006

DDR Paid Partially SB008

List of Originators Report

Lodged DDA PB001

Cancelled DDA PB002

Expired DDA PB003

DDR Received PB004

DDR Paid PB005

DDR Returned PB006

Amended DDA PB007

DDR Paid Partially PB008

Summary of Presented and Received

Summary of Returned Un-Paid and Received

Consolidated Settlement Summary Report

Orphaned MSG or SHA for DD500

Orphaned MSG or SHA for DD502

 Orphaned MSG or SHA for DD200/DD300/DD400

PDF File to be Received Report

Presentment Cut-off Time Report

Settlement Cut-off Time Report

Holidays Declared in UAEDDS Report

Sudden Holidays Declared in UAEDDS Report

ACK/NAK Status of DDS Files Propagated

Rejected DDA Setup (OR)

Rejected DDA Setup (SB)

Rejected DDA Setup (PB)

Rejected DDA Amendments (OR)

Rejected DDA Amendments (SB)

Rejected DDA Amendments (PB)

List of Originators SB000

Direct Debit Request Status by Originator SB009

Rejected Originator Registration (OR)

Rejected Originator Registration (SB)

Amended Direct Debit Authority

500 and 501 Posting Format and response file Format

500 Posting File Format

OICNo, DDAReferenceNo, DDRReferenceNo, DDRClaimedAmount, OriginatorAccountNo,

PayingBankRoutingNo, PayerAccountNo

503 Posting File Format

OICNo, DDAReferenceNo, DDRReferenceNo, DDRClaimedAmount, OriginatorAccountNo,

PayingBankRoutingNo, PayerAccountNo, PayingBankDDRStatus
501 Posting File Format (Inward paying Bank)

DDAReferenceNo, DDRReferenceNo, DDRClaimedAmount, OriginatorAccountNo,

PayerAccountNo

501 Response File Format

IDE_DDAReferenceNo,IDE_DDRReferenceNo,IDE_PayerAccountNo,DDRSettledAmount,DDRP
AYORNOPAY,DDRPAYSTATUSCODE,ORE_ReferenceNo,ORE_SequenceNo

DDS Architecture diagram

Architecture diagram

Originator Administration Process Flow

DDA Administration Process Flow Option1
DDA Administration Process Flow Option2
Payments claims Process Flow
Network Architecture for connectivity with Central bank