PoC: gCOV Payment Processing Work
Flow
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‘gCOV’ Processing Procedures
Table of Content
Table of Content......................................................................................................................................................................................2
Document History...................................................................................................................................................................................3
How to use this template ......................................................................................................................................................................4
Disclaimers ................................................................................................................................................................................................... 4
Objective ...................................................................................................................................................................................................5
Pre-requisites .............................................................................................................................................................................................. 5
PP.COMPANY.PROPERTIES table ...................................................................................................................................................... 5
PAYMENT.ORDER.PARAMETER.......................................................................................................................................................... 5
Incoming pacs.008 Message ................................................................................................................................................................... 6
DeInwardInteg Folder ........................................................................................................................................................................... 6
DE.I.HEADER Record ............................................................................................................................................................................. 6
Received Message/File Details .......................................................................................................................................................... 6
ENQ PAY.PEN.PROCESS ....................................................................................................................................................................... 7
Audit Trail................................................................................................................................................................................................. 8
Outgiong Message ................................................................................................................................................................................ 8
GPI Confirmations Details ................................................................................................................................................................... 8
GPI Tracking ............................................................................................................................................................................................ 9
Incoming pacs.009cov Message ............................................................................................................................................................ 9
DeInwardInteg Folder ........................................................................................................................................................................... 9
DE.I.HEADER Record ........................................................................................................................................................................... 10
Received Message/File Details ........................................................................................................................................................ 10
ENQ PAY.PEN.PROCESS ..................................................................................................................................................................... 11
Audit Trail............................................................................................................................................................................................... 11
Outgoing message trck.001 message ........................................................................................................................................... 11
GPI Confirmations Details ................................................................................................................................................................. 12
GPI Tracking .......................................................................................................................................................................................... 12
PACS.008 gpi confirmation Details ..................................................................................................................................................... 12
Trck.001 Message................................................................................................................................................................................ 13
Pacs.002 Message ............................................................................................................................................................................... 13
Conclusions................................................................................................................................................................................................ 14
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Document History
Author Version Date
Deva Kumar K V1.0 19-Sept-2025
Comments:
R24 AMR
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How to use this template
This template is designed to ensure all Temenos documents follow a consistent style and design, with some basic
styles already defined. Please do not edit the template as your documents will not be consistent with others in the
company.
Disclaimers
As this template will be used for a wide variety of documents, you are advised by the Legal Department to ensure
that you have the correct Temenos disclaimer for your particular document. If you are unsure of anything please
contact the Legal Department.
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Objective
The main objective of this Proof of Concept (PoC) is to process a cover payment by enabling the TPH bank as a GPI
member in the company properties table and to analyze the behavior of GPI tracking confirmations within TPH.
Pre-requisites
PP.COMPANY.PROPERTIES table
In the Company Properties table, enable ‘HoldForCoverMethod’, and ‘GPIEnableBank’, and
‘SWIFTMXEffectiveDate’
Figure 1 – Enable highlighed configurations in PP.COMPANY.PROPERTIES table
PAYMENT.ORDER.PARAMETER
Configure the highlighed features as show in the screenshot below
Figure 2 – Configure the highlighted fields in the Payment Order Parameter table
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Incoming pacs.008 Message
SWIFTMX-PACS008-A
pr-T01.xml
DeInwardInteg Folder
Place the incoming pacs.008 message in the folder path specified as DeInwardInteg.
Figure 3 – Place an incoming pacs.008 file in the path mentioned as above
DE.I.HEADER Record
Once the message is consumed by the Camel Layer, a DE.I.HEADER record is created with the disposition status set
to 'OfsFormated'.
Figure 4 – DE.I.HEADER, ofs formatted
Received Message/File Details
After the file is processed from the DeInwardInteg folder:
• The message can be viewed under the inquiry "Received Message/File Details".
• The message status is updated to Mapped.
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• A transaction is created in TPH with status code 130, which indicates that the system is waiting for the cover
message to complete the payment
Figure 5 – Message status updated as Mapped
ENQ PAY.PEN.PROCESS
You can also view the payment status using the inquiry ENQ PAY.PEN.PROCESS.
Figure 6 – Tranasction status is 130, which indicates waiting for cover payment to complete payment
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Audit Trail
Figure 7 – Audit trail updates Expected Receipts ref starting with ACER refere as highlighed
Outgiong Message
A pacs.002 message is initially issued with a transaction status of PDNG (Pending) when the transaction is awaiting the
receipt of cover payments and is therefore not yet complete. Once the cover payment is received and matched with
the announcement message (pacs.008), another pacs.002 message is sent, this time with a transaction status of ACCP
(Accepted).
STATUS : PDNG
SFD-BNK25100G0MF
KFHJ.xml
GPI Confirmations Details
Figure 8 – gpi Confirmation details not available because the payment is in still 130 status.
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GPI Tracking
Figure 9 – gpi tracking details not available because the payment is in still 130 status.
Incoming pacs.009cov Message
SWIFTMX-PACS009C
OV-Apr-T01.xml
DeInwardInteg Folder
Figure 10 – Place an incoming pacs.009cov file in the path mentioned as above
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DE.I.HEADER Record
Figure 11 – DE.I.HEADER, ofs formatted
Received Message/File Details
After the file is processed from the DeInwardInteg folder:
• The message can be viewed under the inquiry "Received Message/File Details".
• The message status is updated to Mapped.
• A transaction is created in TPH with status code 999, which indicates that the cover payment is matched
with already received Announcement message (pacs.008)
Figure 12 – Message status updated as Mapped
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ENQ PAY.PEN.PROCESS
Figure 13 – Tranasction status is 999, which indicates cover is matched with Announcement message pacs.008
Audit Trail
Figure 14 – Audit trail updates trck.001 message is sent to transact delivery module
Outgoing message trck.001 message
Upon completion of the payment (pacs.009cov), the processing bank (TPH Bank, BIC: DEMOGBPX) sends a trck.001
confirmation message to the tracker.
SFD-BNK25100DBJLB
BJH.xml
Figure 15 – Physical copy of trck.001 message is available in the path mentioned above.
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GPI Confirmations Details
Figure 16 – gpi confirmation is sent and the status is updated as ACCC - Cover payment (pacs.009cov)
GPI Tracking
Figure 17 – gpi tracking final status is updated with tick mark – Cover payment (pacs.009cov)
PACS.008 gpi confirmation Details
After matching a cover payment with the previously received announcement message (pacs.008), the system updates
the gpi confirmation and tracking details within the audit trail of the announcement message. Additionally, it generates
a pacs.002 message indicating that the transaction status is ACCC
Figure 18 – gpi confirmation is sent and the status is updated as ACCC - Annoucement message (pacs.008)
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Figure 19 – gpi tracking final status is updated with tick mark – Annoucement message (pacs.008)
Trck.001 Message
The following trck.001 message is updated within the corresponding pacs.008 announcement message.
SFD-BNK25100BLM0B
DJB.xml
Figure 20 – Physical copy of trck.001 message is available in the path mentioned above.
Pacs.002 Message
STATUS : ACCC
The following pacs.002 message is updated within the corresponding pacs.008 announcement message.
Additionally, it generates a pacs.002 message indicating that the transaction status is ACCC
SFD-BNK25100DLFFB
0HC.xml
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Figure 21 – Physical copy of pacs.002 message is available in the path mentioned above.
Conclusions
Upon matching the cover payment (pacs.009cov) with the previously received announcement message (pacs.008),
both transactions are updated to a 999 status. Subsequently, a gpi confirmation is sent to the tracker, which then
updates the respective audit trails for both the pacs.008 and pacs.009cov transaction references.
Pacs.008 Tranaction Reference : BNK25100CBBDH0M0
Pacs.009cov Transaction Reference : BNK25100JKFKBCCG
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