smarterpay dna integration app 5

SmarterPay Integration

DNAX Name: SmarterPay.dnax

Application ID: 8EABF04B-C421-4533-8A5F-E0EC34E8F73C

SmarterPay Integration Fiserv

SmarterPay Integration 2 March 2020

Confidential – Limited Distribution restricted to DNA clients and Fiserv associates

© 2020 Fiserv, Inc. or its affiliates. All rights reserved. This work is confidential and its use is strictly limited. Use is permitted only in accordance with the terms of the agreement under which it was furnished. Any other use, duplication, or dissemination without the prior written consent of Fiserv, Inc. or its affiliates is strictly prohibited. The information contained herein is subject to change without notice. Except as specified by the agreement under which the materials are furnished, Fiserv, Inc. and its affiliates do not accept any liabilities with respect to the information contained herein and is not responsible for any direct, indirect, special, consequential or exemplary damages resulting from the use of this information. No warranties, either express or implied, are granted or extended by this document.

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Contents of This Document Overview ................................................................................................................................. 5

Prerequisites ........................................................................................................................ 5

Requirements ....................................................................................................................... 5

Processing ............................................................................................................................... 5

Tables ...................................................................................................................................... 6

RecmMaxODSrcDataElemKey Table .................................................................................. 6

AcctRecmMaxODSrcDataElemKey Table ........................................................................... 6

RPT_AcctRecmMaxOD_Process Table .............................................................................. 7

Configurations ......................................................................................................................... 7

Calculation Category ............................................................................................................ 7

Calculation Types ................................................................................................................ 8

Variables .............................................................................................................................. 8

External Interface Variables ............................................................................................... 10

Transaction Reporting Group Mapping .............................................................................. 13

Account Level User Fields ................................................................................................. 21

SmarterPay_EXP File Layout ................................................................................................ 21

Common Record Output .................................................................................................... 22

Control Record (Summary Record) Output ........................................................................ 23

Sample SmarterPay_EXP SPI File .................................................................................... 24

Reports .................................................................................................................................. 24

SmarterPay Export (SMARTERPAY_EXP)........................................................................ 24

SmarterPay Import (SMARTERPAY_SPO_IMP) ............................................................... 28

SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) ................................................ 32

SMARTERPAY_SPR_IMP................................................................................................. 33

SmarterPay Purge Report (SMARTERPAY_PURGE) ....................................................... 34

Glossary of SDEK Elements .................................................................................................. 37

Balance Elements .............................................................................................................. 37

Transaction Elements ........................................................................................................ 38

Exception Elements ........................................................................................................... 41

Account Elements .............................................................................................................. 41

Customer Elements ........................................................................................................... 47

Relationship Elements ....................................................................................................... 48

Reg E Elements ................................................................................................................. 48




Additional Requirements ....................................................................................................... 48

Installation Instructions .......................................................................................................... 48

What You Should Do ............................................................................................................. 49

Configuration Checklist .......................................................................................................... 49

Revisions ............................................................................................................................... 50




Overview The SmarterPay Integration DNAapp enables the integration between SmarterPay (the Fiserv overdraft limit solution) and DNA (Fiserv core processing application). SmarterPay uses critical data elements supplied by DNA as input data, and based on the account-level predictive variables and customer behavior, provides an appropriate limit for the deposit account with an overdraft limit facility to DNA.

This app enables the import and processing of the overdraft limit file (SMARTERPAY_SPO_IMP) from SmarterPay into DNA.

Prerequisites Prior to running SmarterPay batch jobs, ensure that your institution’s database administrator (DBA) makes the following changes:

• Change the Oracle EXTNDATA and EXTNINDEXES settings to Auto-Extend On with a maximum size set to Unlimited.

• Ensure the proper read/write permissions are granted for folders designated in the Output File Path (COUP) parameter of all SmarterPay batch jobs.

Requirements The DNA 4.2.X or higher software version is required.

Processing The SmarterPay app processes the account, transaction, and person-level data using the following batch jobs:

• SmarterPay Export File (SMARTERPAY_EXP) SMARTERPAY_EXP creates one or more extract files containing Source Data Element Key (SDEK) data for savings and checking accounts and generates an LIS report. Accounts are based on the defined major product type in the Major Account Type Code (MJCD) batch parameter and other parameters.

SMARTERPAY_EXP can be run at any time by supplying the run time parameters to provide data for the following processes as required by SmarterPay:

o Historical load o Delta file o Mass refresh

• SmarterPay Import SPO File (SMARTERPAY_SPO_IMP) SMARTERPAY_SPO_IMP imports and processes the overdraft limit file received from SmarterPay for the accounts that already have an overdraft facility defined in DNA.

• SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) SMARTERPAY_SPR_IMP imports the SPR file into DNA. The SPR file contains new refund amounts computed by the SmarterPay Refund Advisory Module for participating accounts.

• SmarterPay Purge Report (SMARTERPAY_PURGE) SMARTERPAY_PURGE purges account records from the AcctRecmMaxODSrcDataElemKey table in SmarterPay that were already purged from the ACCT table in DNA.




Tables Three tables store the value of each SDEK description as supplied by SmarterPay and corresponding SDEK values for all reported accounts provided to SmarterPay on the prior business day.

• RecmMaxODSrcDataElemKey

• AcctRecmMaxODSrcDataElemKey

• RPT_AcctRecmMaxOD_Process

RecmMaxODSrcDataElemKey Table The RecmMaxODSrcDataElemKey table stores the description/definition of each SmarterPay SDEK.

The following fields are in the RecmMaxODSrcDataElemKey table,

Column Name Default Value

Data Type Description

SrcDataElemKeyCd Null VARCHAR DNA code that is mapped to each SmarterPay SDEK.

SrcDataElemKeyDesc Null VARCHAR Description of the SDEK.

ExtSrcDataElemKeyCd Null VARCHAR External code recognized by SmarterPay.

DataTypCd Null VARCHAR Data type code for the SrcDataElemKeyCd value.

DateLastMaint DATE SYSDATE Date of last maintenance.

AcctRecmMaxODSrcDataElemKey Table The AcctRecmMaxODSrcDataElemKey table stores account-level detailed records sent to SmarterPay to obtain recommendations on maximum overdraft limit.

The following fields are in the AcctRecmMaxODSrcDataElemKey table-.



AcctNbr Null Number Account for which the SDEK code value is stored.

SrcDataElemKeyCd Null VARCHAR DNA code that is mapped to each SmarterPay SDEK.

Value Null VARCHAR Value of the SDEK code for a particular account.

EffDate Null DATE Effective date of the SDEK code value.





RPT_AcctRecmMaxOD_Process Table The RPT_AcctRecmMaxOD_Process table contains data to export to SmarterPay in the SPI (SmarterPay Input) file.

The following fields are in the AcctRecmMaxOD_Process table.



ApplRunNbr Null NUM System-assigned value for the application run.

AcctNb Null NUM Account for which the SDEK code value is stored.

ExtProcessGrp Null VARCHAR Institution-defined code identifying a process group or a division of processing in an institution by product type or region.

ExtSrcDataElemKeyCd

Null VARCHAR External code recognized by SmarterPay.

EffDate Null DATE Effective date for the external SDEK code’s count, amount, and categorical data.

Count Null NUM Count of the element (e.g., checks). SmarterPay data is not typically aggregated; in most cases the value is 1.

Amt Null NUM Amount of the element (e.g., collected balance). Amounts are positive unless the SDEK represents a negative balance or a non-zero overdraft limit.

CategoricalData Null VARCHAR Data such as flags, types, dates (MM-DD-YYYY). Delimiters (comma and vertical line characters) must not be included in the data.


Configurations To ensure SmarterPay functions properly, set up the following configurations for your institution and review with the Fiserv implementations team.

Note: Institutions using the Premium Overdraft program should review product-level variables and related batch jobs/parameters to ensure existing settings do not interfere with any functions handled by SmarterPay after implementation.

Calculation Category Navigation: System > System Tables > C-G Tables > CALCAT

The SmarterPay Integration (6SCC) calculation category was created for the SmarterPay Integration (6SCC) calculation type.

Calculation Category Code Description

6SCC SmarterPay Integration category




Calculation Types Navigation: System > Institution > Variables > Calculation Type > SmarterPay Integration Type or SmarterPay Integ. Type Product. The SmarterPay Integration Type (6SCT) and SmarterPay Integ. Type Product (6SCP) calculation types were created under the SmarterPay Integration (6SCC) calculation category.

Calculation Type Code

Calculation Category Code

Calculation Type Name Major Minor YN

Major Minor Balance Category Type YN

6SCT 6SCC SmarterPay Integration Type N N

6SCP 6SCC SmarterPay Integ. Type Product

Y N

Variables The following variables exist under the SmarterPay Integration Type (6SCT) calculation type:

Variable Code Description Data Type Default

SmarterPay Debit Card Flag

6SDF Agreement types to identify a debit card association with the account.

STR Null

SmarterPay Process Group Type

6SGT Determines how the list of accounts reported to SmarterPay are divided into process groups, based on product type (external cross reference mapping provided in 6SGM), branch (external cross reference mapping provided in 6SGB), or none (no grouping, single file generated):

1 = Group By Product (MJMI)

2 = Group by Branch (BRCH)

3 = None (NONE)

Note: When 1 (Group by Product) or 2 (Group by Branch) is selected, if the external cross reference mapping does not exist in 6SGM or 6SGB, an error occurs and the report terminates.

When 3 (None) is selected, a single file is created. The system ignores the 6SGM and 6SGB mappings and uses the 6SPP variable to name the file. If the 6SPP variable is null, the “SmarterPay Process Group Type Calculation variable is not configured.”error displays when the SmarterPay_Exp batch application is run.

STR 3

SmarterPay Agreement Type

6SPA Comma-separated list of agreement types to consider for counting services.

Note: This variable is obsolete as of SmarterPay version 5.0. Reserved for future use.

STR Null





SmarterPay Institution Code

6SPI SmarterPay institution code (provided by the SmarterPay Implementation Team).

STR Null

SmarterPay Premium OD Indicator

6SPO Determines whether the SDEK is mapped:

Y = The REIN SDEK is determined by the PSMX and PSOD user fields.

N = SDEK is not mapped.

Note: When set to Y, the value from the 6SPO external cross reference variable is extracted. An error is returned on the SmarterPay_Exp report when an invalid combination of the PSMX or PSOD user fields exists. For example: PSMX = N and PSOD = 1 is not a valid combination and the: “Value mismatch on combination of PSMX and PSOD account level user field for Acct###########.” error message would display.

YN Y

SmarterPay Process Group Code

6SPP SmarterPay Process Group Code used in files when option 3 (6SGT) is selected. If not configured, an error occurs and the SmarterPay_EXP batch job application terminates.

STR Null

SmarterPay Related Roles

6SRR Role codes identifying related persons.

Note: This variable is obsolete as of SmarterPay version 5.0. Reserved for future use.

STR Null

SmarterPay Mass Refresh SDEKs

6SRS Comma-separated list of critical SDEKs used for mass refresh as provided by SmarterPay. Default values are as follows:

ALDQ,ALFL,BRCH,CCDQ,CCFL,CDDQ,CDFL,CLDT,CODT,MBRN,MGDQ,MGFL,OFID,ONLM,OPDT,ORDQ,ORFL,STAT,STMT,STVL,SUBP,AVRF,BODL,CDOD,SVRF,OBPC,PAA1,PAA2,PACO,PACY,PAEA,PAFN,PALN,PAPC,PAST,PSMX,PSOD,EFDT,OPCD,REIN,PAA3,PAA4,PAA5

STR See Description column

These variables are in the SmarterPay Integration Type (6SCT) calculation type under the SmarterPay Integration (6SCC) calculation category.




The following variables exist under the SmarterPay Integration Type Product (6SCP) calculation type:


SmarterPay On Limit Flag

6SOL Defines the assigned/mapped product as an on-limit product (with overdraft facility) or an off-limit product (no overdraft facility).

Note: This variable must be mapped to the desired products and the ACCOUNT OVERRIDE indicator should be checked. Navigate to System > Product and Pricing > Manage Product > (select a product) > Assoc… > Variables. See the “Associating Variables with a Product” online Help topic for more information.

Once mapped to a product, the value defined at the system-level is the default variable value. The value can be changed using the above navigation.

YN N

SmarterPay Account Type

6SAT Type of account:

AL = Auto loan

CDSA = CD/savings

CC = Credit card/line of credit

MTG = Mortgage loan

Note: The variable must be set for the applicable products.

STR Null

These variables are in the SmarterPay Integ. Type Product (6SCP) calculation type under the SmarterPay Integration (6SCC) calculation category.

External Interface Variables The following external interface code, category code, and variable codes map the transaction type codes in DNA to the SmarterPay SDEKs.

External Interface Navigation: System > System Tables > C-G Tables > External Interface

External Interface Code

External Interface Category Code

Description FromValueMjMiYN

ToValueMjMiYN

6SPI 3PTY SmarterPay Interface

N N




External Interface Variables Navigation: System > System Tables > C-G Tables > External Interface Variables

External Interface Code

External Interface Variable Code

Description From Data Type Code

To Data Type Code

6SPI 6SPT SmarterPay Transactions

VC VC

6SSC SmarterPay Statement Cycle

VC NUM

6SNC SP Spl OD/XOD Notice Ntf Code

VC VC

6SGM SP Process Group by MJMI

VC VC

6SGB SP Process Group by Branch

VC VC

6SPO SmarterPayREIN INT INT

External Interface Variable From Value To Value Navigation: System > System Tables > C-G Tables > External Interface CrossReference Interface variable definitions are provided below along with a table including the From Value/To Value codes:

• SmarterPay REIN: Values correspond to the available options found in the PSOD – OD PROGRAM STATUS account level user field. If your institution defined its own status codes, you must create additional entries in this table. The SmarterPay Implementations team will assist you in determining the appropriate ToValue.

• SmarterPay Statement Cycle: These values correspond to the statement cycle codes defined for your institution. You must create an entry for each statement cycle code in use at your institution. The SmarterPay Implementations team will assist you in determining the appropriate ToValue.

• SmarterPay Transactions: The FromValue is the RtxnRptGrpCd and the ToValue is the SmarterPay SDEK code. These entries are created automatically during installation of the SmarterPay DNAapp.

• SP Process Group by Branch: If your institution creates multiple export files based on branch (6SGT – SmarterPay Process Group Type = Group by Branch (BRCH)), you must create a FromValue for each branch (orgnbr of branch) and a corresponding ToValue which represents the group code for that branch. For example, branches 1, 2, and 3 are part of region 1. You would enter the orgnbr of each branch in the FromValue and the code for region 1 in the ToValue. The SmarterPay Implementations team will provide the codes for the “To” values, if needed.

• SP Process Group by MJMI: If your institution creates multiple export files based on product (6SGT – SmarterPay Process Group Type = Group by Product (MJMI)), then you must create a FromValue for each product (MjAcctTypCd:MiAcctTypCd) and a corresponding ToValue which represents the group code for that product. For example, Free Checking, Value Checking, and High Yield Checking products are grouped together as consumer checking products. Enter the major and minor codes separated by a colon in the FromValue (CK:FREE, CK:VALU, CK:HIYD) and the code for consumer checking products in the ToValue (CNCK).




• SP Spl OD/XOD Notice NTF Code: These entries are created automatically during installation of the app. The SmarterPay Implementations team can assist you in determining if additional entries should be created for your institution.

Interface Variable Name From Value To Value

SmarterPay REIN 1 1

SmarterPay REIN 2 0

SmarterPay REIN 3 4

SmarterPay REIN 4 5

SmarterPay REIN 5 2

SmarterPay REIN 6 3

SmarterPay REIN 77 5

SmarterPay Statement Cycle Institution-defined values

SmarterPay Transactions 6IBC 1BRC

SmarterPay Transactions 62OF 2ODF

SmarterPay Transactions 63NF 3NSF

SmarterPay Transactions 6ACC ACHC

SmarterPay Transactions 6ACD ACHD

SmarterPay Transactions 6ATC ATMC

SmarterPay Transactions 6ATD ATMD

SmarterPay Transactions 6BPD BPYD

SmarterPay Transactions 6CBD CBKD

SmarterPay Transactions 6CHD CHKD

SmarterPay Transactions 6FER FEWR

SmarterPay Transactions 6NWR NFWR

SmarterPay Transactions 6ODC ODPC

SmarterPay Transactions 6ODD ODPD

SmarterPay Transactions 6OFE OFEE

SmarterPay Transactions 6OTC OTHC

SmarterPay Transactions 6OTD OTHD

SmarterPay Transactions 6PID PIND

SmarterPay Transactions 6RCC RCIC

SmarterPay Transactions 6RCD RCID




Interface Variable Name From Value To Value

SmarterPay Transactions 6REC REVC

SmarterPay Transactions 6RED REVD

SmarterPay Transactions 6RPS RPOS

SmarterPay Transactions 6SID SIGD

SmarterPay Transactions 6TEC TELC

SmarterPay Transactions 6TED TELD

SmarterPay Transactions 6TRC TRNC

SmarterPay Transactions 6TRD TRND

SmarterPay Transactions 6WIC WIRC

SmarterPay Transactions 6WID WIRD

SP Process Group by Branch Mapping based on the SmarterPay Process Group Type (6SGT) variable. Refer to the Variables topic for more information.

SP Process Group by MJMI Mapping based on the SmarterPay Process Group Type (6SGT) variable. Refer to the Variables topic for more information.

SP Spl OD/XOD Notice Ntf Code HOLD HOLD

SP Spl OD/XOD Notice Ntf Code OPT SPEG

SP Spl OD/XOD Notice Ntf Code REG DNML

Transaction Reporting Group Mapping The RtxnRptGrp (Transaction Reporting Group) system table contains the Fiserv-defined categories used to group transactions for reporting, service charging, exception files, Regulation D, and other purposes. The following table details which transaction types to link to the specified group.

Navigation: System > System Tables > P-R Tables > RtxnRptGrp

SDEK Transaction Reporting Group Code

Transaction Reporting Group Description

Transaction Type Code

Transaction Type Description

1BRC 61BC SP-Continuous Overdraft Fees

ODSC Overdraft Service Charge

2ODF 62OF SP-Overdraft Fees 8POF Premium OD Access Fee

ATMO ATM Overdraft Charge

NSF Non-Sufficient Funds (NSF) Fee

UCF Uncollected Funds Charge








3NSF 63NF SP-NSF Fee - Returned Items



ACHC 6ACC SP-ACH Credits IDEP IAT Deposit

XDEP External Deposit

ACHD 6ACD SP-ACH Debits ICHK IAT Electronic Check

IWTH IAT Withdrawal

XWTH External Withdrawal

APOD 6AOD SP-Approved OD Transactions

DPME ATM Payment Enclosed

DWTH ATM Withdrawal

PPOS POS Pinned Purchase

PWTH Point Of Sale Withdrawal

SDSB POS Purchase Disbursement

ATMC 6ATC SP-ATM Credits DDEP ATM Deposit

ATMD 6ATD SP-ATM Debits DPME ATM Payment Enclosed

DWTH ATM Withdrawal

BPYD 6BPD SP-Bill Pay Debit BPAY eBill Pay Withdrawal

CBKD 6CBD SP-Chargeback ACNF Account Confirmations

RICB Return Item Chargeback

CHKD 6CHD SP-Checks CWTH Check

ECHK Electronic Check

ONUS Check - Item Processing

FEWR 6FER SP-Fee Waivers ATMO ATM Overdraft Charge

CDOD Consecutive Days OD Fee



RPNS Reversed Paid Insufficient Fee








RRNS Reversed Returned Insuff Fee

NFWR 6NWR SP-Fee Reversed 8POF Premium OD Access Fee

ATMO ATM Overdraft Charge

CDOD Consecutive Days OD Fee



RPNS Reversed Paid Insufficient Fee

RRNS Reversed Returned Insuff Fee


ODPC 6ODC SP-OD Protection Credit OPD Overdraft Protection Deposit

ODPD 6ODD SP-OD Protection Debit

OPAP OD Protection Auto Payment

OPW Overdraft Protection Withdraw

OFEE 6OFE SP-All Other Fees AREC Account Research/Bal/Recon

ATM ATM Withdrawal Service Charge

ATMF ATM Foreign Transaction Fee

ATMM ATM Maintenance Charge

CCF Certified Check Fee

CHCG Check Printing Fee

CKIS Official Check Fee

CPAI Charge Per All Processed Items

CPCK Charge Per Check

CPDB Charge Per Debit

CPDI Charge Per Deposited Item

CPDP Charge Per Deposit

CURR Coin and Currency Charge








ESCH Escheatment

FECH Deposit Fee and Charges

INAC Acct Inactivity Fee

LSW Lease Security Fee

MMSC Money Market Service Charge

MSC Maintenance Service Charge

MTXN Charge Per Min. Tran. Amt.

NDEP Night Deposit Fee

NTCC Non-Truncated Checks Charge

ODA Overdraft Limit Access Fee

OPTF OD Protection Tran Fee

PPFF Positive Pay Service Charge

PPFL PPay Flat Fee

OFEE 6OFE SP-All Other Fees PPIF PPay Per-Item Fee

PPMF PPay Mismatch Fee

PPNF PPay Notification Fee

PPTF PPay File Transfer Fee

RCAF Return Item Chrgbck Advice Fee

RCK Deposited Returned Check Fee

RDLC Reg D Excess Debits Fee

RICF Return Item Chargeback Fee

RIRF Return Item Redeposit Fee

RPTF Return Item Put-Thru Fee

RTSC Retirement Plan Fee

SDBF Safe Deposit Box Fee

SDCW ATM Card Service Charge








SSTM History Printout

STOP Stop Payment Fee

SWIF School Warrant Interest Fee

SWTH Withdrawal Service Charge

TTL TT&L Charge

TVCK Travelers Check Fee

UCFF UC Protection Transfer Fee

WRIN Wire In Charge

WROT Wire Out Charge

WTAF Wire Transfer Advice Fee

WTDF Domestic Wire Wth Fee

WTDI Domestic Wire Deposit Fee

WTF International Wire Dep Fee

WTIF International Wire Dep Fee

YPXD Deferred Analy Svc Chrg Credit

ZSCD Deferred Serv Chg Assessed

OTHC 6OTC SP-Oth Non Cust Init Credits

AWTA ATM Withdrawal Adjustment

BONP Bonus Payment

CINT Club Interest Credit

CKRC Check Return Credit

DIV Credit Shareholder Dividend

EC Earnings Credit

INT Credit Interest

INTA Interest Adjustment-Deposit

INTP Prior Year Interest Adjustment

NDIV Credit Non-Resident Dividend

OEBA Overdraft Excess Bal Adj

PAT Credit Patronage Refund








PBON Prior Year Bonus Payment

RIRD Return Item Redeposit

SWPD Sweep Deposit

UCFD Uncollected Protection Deposit

OTHD 6OTD SP-Other Non Customer Debits

ADPA ATM Deposit Adjustment

FW Federal Withholding

INTE OD Excess Bal Interest Charge

INTP Prior Year Interest Adjustment

IW IRA Withholding

OCNW Open Community Network Debit

RTFW Retirement Txn FED Withholding

RTIW Retirement Txn IRA Withholding

RTSW Retirement Txn ST Withholding

SW State Withholding

SWPW Sweep Withdrawal

UCFW Uncollected Protection W/D

PDOD 6POD SP-Paid OD Transactions ACNF Account Confirmations

PDOD 6OTD SP-Other Non Customer Debits

CKUS Over Counter Check

CLS Closeout Withdrawal

CWTH Check

DPME ATM Payment Enclosed

DPMF ATM Payment From

DPMT ATM Payment Transfer

DTRC Account Transfer Closeout

DWTF ATM Transfer Debit








DWTH ATM Withdrawal

ECHK Electronic Check

ICHK IAT Electronic Check

IWTH IAT Withdrawal

IWTW Intntl Wire Xfer Withdrawal

LNUS Check in Loan Pymt Batch

ONUS Check - Item Processing

PPOS POS Pinned Purchase


RICB Return Item Chargeback

RTUS Check in Real Time Batch


WTH Withdrawal

WTHD Descriptive Withdrawal

WTOD Domestic Wire Withdrawal

WTOI International Wire Withdrawal

WTW Wire Transfer Withdrawal

XWTH External Withdrawal

RCIC 6RCC SP-All Remaining Credits BDEP Bill Payment Deposit

REVC 6REC SP-Reversal Credits PDEP Point Of Sale Deposit

PODC Deposit Adj Credit - POD

REVC 6REC SP-Reversal Credits WTHR Withdrawal Reversal

REVD 6RED SP-Reversal Debits DEPR Deposit Reversal

DIVR Reverse Shareholder Dividend

NDVR Non-Resident Dividend Reversal

PODD Deposit Adj Debit - POD

SIGD 6SID SP-POS Signature PPOS POS Pinned Purchase










TELC 6TEC SP-Teller Deposits CLDP Closeout Deposit

DEP Deposit

DEPD Descriptive Deposit

LSDP Lease Security Deposit

NA New Account Deposit

TELD 6TED SP-Teller Withdrawals CKUS Over Counter Check

CLS Closeout Withdrawal

LNUS Check in Loan Pymt Batch

RTUS Check in Real Time Batch

WTH Withdrawal

WTHD Descriptive Withdrawal

TRNC 6TRC SP-Transfer Credits DTRN Account Transfer Deposit

DWTT ATM Transfer Credit

TRND 6TRD SP-Transfer Debits DPMF ATM Payment From

DPMT ATM Payment Transfer

DTRC Account Transfer Closeout

DWTF ATM Transfer Debit

WIRC 6WIC SP-Wires CREDIT IWTD Intntl Wire Xfer Deposit

WTD Wire Transfer Deposit

WTID Domestic Wire Deposit

WTII International Wire Deposit

WIRD 6WID SP-Wires DEBIT IWTW Intntl Wire Xfer Withdrawal

WTOD Domestic Wire Withdrawal

WTOI International Wire Withdrawal

WTW Wire Transfer Withdrawal

Institutions should evaluate all transaction types in use. It may be necessary to add transaction types excluded from base DNA code to the appropriate reporting group. Examples include transaction types delivered as part of any application provided by the Custom Solutions Group.




Account Level User Fields The following user fields support the SMARTERPAY_SPR_IMP batch job. See the “User Fields” online Help topic to associate the SmarterPay specific user fields to each product that is configured for overdraft processing and/or Refund Advisor processing.

User Field Code

Description Data Type

Entity Type Override/YN External Entity Y/N

6NFR SmarterPay NSF/OD Fees Refund Amount from SmarterPay

NBR Acct N N

6SFR SmarterPay Service Fee Refund Amount from SmarterPay

NBR Acct N N

6XNC SmarterPay Special XOD Notice Notification Handling Code

STR Acct N N

6XOD SmarterPay Excessive Overdraft Override Date

DATE Acct N N

SmarterPay_EXP File Layout The comma–separated (CSV) SmartPay_EXP file format includes leading and trailing spaces in an untrimmed field, and the leading and trailing spaces are considered part of the data. Comma and pipe characters are delimiters and are not contained in field values.

SMARTERPAY_Exp output filename (CSV file) is: “InstitutionCode+LOBCode+ProcessGroupCode+Date+_+FileNumber+.SPI” where:

• Institution code is the code set in the SmarterPay Institution Code (6SPI) variable.

• Line of Business (LOB) code is DFLT.

• Process group code is the code set in the SmarterPay Process Group Code (6SPP) variable.

• Date file was generated.

• File number is always 1 as DNA sends this output file to SmarterPay once per day.




Common Record Output These records include the data for each SDEK for the corresponding accounts. Common records display output in the following format:

Field Format Description

SDEK Alphanumeric Source Data Element Key. Used to map the financial institution’s data elements to SmarterPay SDEKs.

Institution Code Alphanumeric Institution code (4-character maximum).

LOB Code Alpha Line of business code (4-character maximum). DFLT is the defined value for this field.

Process Group Code

Alphanumeric Process group code (4-character maximum). An input file can only contain records with the same process group code. The code is set in the SmarterPay Process Group Code (6SPP) variable.

The 6SGT setting controls whether the process group of an account is derived from the external cross reference configured in 6SGM or 6SGB, or a single group for all records.

Effective Date Date Effective date for the elements.

• Balance SDEKs = date of the balance data

• Account SDEKs = date of the account information

Transaction SDEKs = date of the transaction

Account ID Numeric Account ID.

Count Integer Count of the element.

Amount Money Amount of the element such as collected balance. Amounts are positive unless the SDEK represents a negative balance or a non-zero overdraft limit.

Categorical Alphanumeric Data such as flags, types, dates (MM-DD-YYYY), etc. Delimiters (comma and pipe characters) must not be used in the data.

Note: If any specific column value is not applicable for a given SDEK; e.g., Count and Categorical for balance type SDEKs, a blank or empty value is included in the SPI file.




Control Record (Summary Record) Output The control record is placed at the end of the file. Each control record summarizes each SDEK in the file with the row count, count checksum, etc., for each SDEK. In the output file, there is always one control record for each unique SDEK. Each control record begins with the CTRL keyword for system identification. Control records display at the bottom of the file.

Control Record Output The control record displays output in the following format:


CTRL Keyword

Alpha CTRL keyword.

SDEK Alphanumeric Source Data Element Key. Used to map the financial institution’s data elements to SmarterPay SDEKs.

Institution Code

Alphanumeric Institution code (4-character maximum).

LOB Code Alpha Line of business code (4-character maximum). The DFLT value is defined for this field.

Process Group Code

Alphanumeric Process group code (4-character maximum). An input file can only contain records with the same process group code. The code is set in the SmarterPay Process Group Code (6SPP) variable.

Effective Date Date Effective batch processing date of the file (does not reflect transaction dates for data records in the file).

Row Count Integer Number of rows per record type.

Count Checksum

Integer Sum of the count fields or 0 for categorical SDEKs.

Amount Checksum

Money Sum of the amount fields or 0 for categorical SDEKs.




Sample SmarterPay_EXP SPI File

Reports

SmarterPay Export (SMARTERPAY_EXP) The SMARTERPAY_EXP batch application creates one or more extract files containing Source Data Element Key (SDEK) data for savings and checking accounts (accounts based on the defined Major Product type in the batch parameter MJCD and others) and generates an LIS report.




SMARTERPAY_EXP Parameters Parameter Code Description Req’d Default

Output File Path

COUP Complete path name where the output file is located. Trailing backslash is optional, e.g., “C:\TEMP\“.

Yes Null

StartDate SD Earliest date to extract transactions from DNA.

If null, the current posting date is used, except when run is a historical load. If run is a historical load, the posting date minus 89 days is used.

If SD is set to a future date, an error displays on the LIS report.

Note: Null for historical load and mass refresh.

No Null

ThruDate TD Most recent date to extract transactions from DNA.

If null, the queue effective date is used.

If TD is set to a future date, an error displays on the LIS report.

Note: Null for historical load and mass refresh

No Null

Major Account Type Code

MJCD Major account type(s) for exported data. If null, Checking (CK) and Savings (SAV) major account types are considered.

For historical load, only include majors of accounts in the overdraft program.

No Null

Minor Account Type Code

MICD Minor account types for exported data. If null, all minor account types in the major account types set in MJCD are considered.

For historical load, only include minors of accounts in the overdraft program.

No Null

Status Codes to Exclude

SCTE Accounts with these statuses are not included in the report output. If null, all deposit account statuses are considered.

If null and run is a historical load, accounts with the following statuses are included in the file: ACT, DORM, IACT.

Note: Null for historical load and mass refresh.

No Null

SmarterPay Mass Refresh YN

6SPM Indicates whether the export file is for delta file or mass refresh.

Y = Mass refresh

N = Delta daily load

Null = Historical load

No N




Parameter Code Description Req’d Default

Parallel Processing YN

PARA Indicates whether parallel processing is in use.

Y = Use parallel processing.

N = Do not use parallel processing.

The SMARTERPAY_EXP report has the following output:

Field Description

Account Number Customer account number.

Major Type Major account types.

Minor Type Minor account types.

Account Owner Name of the account owner.

Current Balance Current account balance.

Limit Balance Maximum overdraft balance of the account.

Number of Records Extracted

Total number of records extracted.

The SMARTERPAY_EXP generates the following LIS file, saved at the default location:

Sample Report – SmarterPay Export File (SMARTERPAY_EXP)




Error Messages The following error messages may be returned during batch processing.

Batch Error Messages Description

Combination of CityName, CtrySubdivName, PostalCode may not exceed length 60 for Non US Address

When this error is returned, the following SDEKs are bypassed: PAA1, PAA2, PACO, PACY, PAPC, and PAST because the stored procedure (Pack_GetMailLines.proc_GetMailLine) containing the address lines supports a total of 60 characters.

Value mismatch on combination of PSMX and PSOD account level user field for Acct###########

An error is returned on the SmarterPay_Exp report when an invalid combination of the PSMX or PSOD user fields exists. For example: PSMX = N and PSOD = 1 is not a valid combination.

SP Process Group by MJMI external cross reference is not mapped

If 6SGT is set to MJMI and 6SGM is not mapped in the ExtIntfVarFromValueToValue table, batch processing stops and this error displays on the LIS.

SP Process Group by Branch external cross reference is not mapped

If 6SGT is set to BRCH and 6SGB is not mapped in the ExtIntfVarFromValueToValue table, batch processing stops and this error displays on the LIS.

Product/Account-Level Exclusions Products and accounts can be excluded from batch processing on the DNA Exclude Application Assignment and Exclude Applications screens. See the “Exclude Application” and “Exclude Applications” online Help topics for detailed instructions.

Important! The Maintain OD Threshold (PS_MAINTOD) report modifies account-level overdraft limits to match the applicable product-level setting(s) for accounts in the Premium OD program. The batch application can change the overdraft limit for the Premium OD program account if the overdraft limit is updated during the import of the SmarterPay SPO file. To retain an account-level overdraft limit, PS_MAINTOD must be excluded from batch processing to prevent PS_MAINTOD from processing the applicable accounts.

Delta File The delta file is the daily extract file from DNA to SmarterPay. This extract file contains a mix of data from the major account types defined in the Major Account Type Code (MJCD) parameter and others. This file contains data only when there is any change in count, amount, or categorical value from the previous day’s report. Sending only delta information for deposit accounts to SmarterPay is the recommended approach as the daily file may be large. This approach reduces the file significantly in size as many of the SDEK values do not frequently change.

The delta file approach is not applicable for the following SDEKs for which SmarterPay requires SDEKs value (actual or estimated) throughout the period/day:

• Account balance SDEKs (LEDG, BAVL, COLL)

• Transaction SDEKs

• Exception SDEKs




Mass Refresh Mass refresh is a process to obtain the last updated value for all critical SDEKs for the major account type(s) defined in the MJCD parameter. A mass refresh is required for SmarterPay data and necessary when the limit file creation process fails to deliver current values for one or more accounts. A mass refresh is usually scheduled on a monthly or quarterly basis as per request by SmarterPay.

Mass refresh files include the most recent value for defined critical SDEKs. These critical SDEKs are defined in the SmarterPay Mass Refresh SDEKs (6SRS) variable. Mass refresh provides the flexibility to dynamically manage critical SDEK lists. The SDEK values are reported to SmarterPay in the extract file regardless of their last maintained date. See the Variables section for more detail about 6SRS.

On the day of a mass refresh, SMARTERPAY_EXP is run with the SmarterPay Mass Refresh YN (6SPM) parameter set to Y. See the Variables section for more detail about 6SPM. The extract file transferred to SmarterPay contains the last updated value for all critical SDEKs and delta values for all other SDEKs.

Historical Load The historical load (i.e., first day load) is a one-time process performed during the integration of DNA with SmarterPay. During the historical load, 90 days of information is supplied to SmarterPay from DNA for SDEKs across all deposit accounts. Data for SDEKS such as account balance (LEDG, BAVL, COLL), transaction, and exception are supplied (actual or estimated) throughout the 90-day period. For other SDEKs, values are supplied only for the final day of the historical load period.

To process the historical (first day) load, the SMARTERPAY_EXP batch application is run with the StartDate (SD) and ThruDate (TD) parameters set to the 90-day time period prior to the system date. The complete file path name must be entered in the Output File Path (COUP) parameter. Other parameter values should be blank.

Before running SMARTERPAY_EXP for the historical load, input must be provided for the following variables: SmarterPay Institution Code (6SPI), SmarterPay Process Group Code (6SPP), and SmarterPay On Limit Flag (6SOL). See the Variables section for more detail.

Note: The stored procedure containing the address lines supports a total of 60 characters. The PAA1, PAA2, PACO, PACY, PAPC, and PAST SDEKs are skipped when the “Combination of CityName, CtrySubdivName, PostalCode may not exceed length 60 for Non US Address” error occurs.

Transactions with an OrigPostDate between the StartDate (SD) and ThruDate (TD) parameters are returned. If those parameters are null, transactions are selected based upon the Current System Post Date (PDAT) institution option value.

SmarterPay Import (SMARTERPAY_SPO_IMP) The SmarterPay Import (SMARTERPAY_SPO_IMP) batch application imports files from SmarterPay. This file is the output file from SmarterPay to DNA with updated overdraft limits computed by SmarterPay for the accounts as shared in the SMARTERPAY_EXP file.

This batch application imports a comma-separated file (SPO file) to update the Max Overdraft Allowed (MOVD) memo balance for the accounts and also generates a report. Data processing errors display in the report.




SMARTERPAY_SPO_IMP Parameters Parameter Description Req’d Default

Input File Path (IPTH)

Complete path name of the input file location. The trailing backslash is optional (ex. “C:\TEMP\“).

Yes Null

RptOnly_YN (RPT)

Indicates whether to generate an exception report.

Y = Generate an exception report; do not update the database.

N = Update the database and generate an exception report.

Yes Y

SmarterPay_SPO_IMP File Layout A standard record format is used for all data loaded into DNA from SmarterPay. The comma- separated file contains updated/new Max Overdraft Allowed (MOVD) memo balances for active and on-limit accounts shared with SmarterPay in the daily batch file (i.e., SmarterPay_EXP).

The filename of the CSV file follows the date-stamped format: “InstitutionCode+LOBCode+ProcessGroupCode+ModuleID+Date+Extension (SPO)”

Note: If the file has a different date than the Queue Effective Date, an error displays.

Import File Record Output Field Format Description

LIMT Keyword Alpha LIMT keyword.

Institution Code Alphanumeric Institution code.

LOB Code Alpha Line of business code.

Process Group Code Alphanumeric Process group code.

Effective Date Date Effective date of the limits.

Account ID Numeric Account ID.

Default Batch Limit Currency Max Overdraft Allowed (MOVD) memo balance for the account.

Default Online Limit Currency Not in use.

Excessive Overdraft Flag Integer Indicates if an account is in an excessive overdraft state.

0 = Excessive overdraft deactivated or account never activated

1 = Excessive overdraft activated

Note: When excessive overdraft monitoring is not in use, this value defaults to 0.

SmarterPay Limits Processing ON(ONLM)

Integer Indicates whether SmarterPay limit processing is in use.

Y = SmarterPay limit processing is in use

N = SmarterPay limit processing is not in use




Control Record Output Limit records are generated for active and “on limit” accounts in the following format.


CTRL Keyword Alpha CTRL keyword

LIMT Keyword Alpha LIMT keyword

Institution Code Alpha Institution code

LOB Code Alpha Line of business code

Process Group Code Alpha Process group code

Effective Date Date Effective date of the file

Row Count Integer Number of rows

Default Batch Checksum Money Sum of the default batch limit fields. This checksum is negative or zero

Default Online Checksum

Money Sum of the default online limit fields. This checksum is negative or zero.

Last field terminator for end of record: Carriage return/line feed

SmarterPay Import (SMARTERPAY_SPO_IMP) The SMARTERPAY_SPO_IMP batch job reads the import file from SmarterPay to DNA. This import file contains new overdraft limit values computed by SmarterPay. Once new overdraft limits are updated for the specified accounts, a LIS file generates in the default location.

Output The SMARTERPAY_SPO_IMP report has the following output:

Field Description

Account Number Account number

Account Owner Name of the account owner

Maj Major account type for which data displays on the report

Min Minor account type for which data displays on the report

Current Balance Balance of the account

Limit Balance Maximum overdraft balance of the account

Effective Date Effective date of limit

Excessive OD Flag Flag indicating an account is in the excessive overdraft state

SmarterPay Limit Processing On (ONLM)

Indicates if SmarterPay Limit processing is on or off:

Y = SmarterPay Limit processing is on N = SmarterPay Limit processing is off




Field Description

Total Number of Records Processed Total number of records processed in DNA

The SMARTERPAY_SPO_IMP generates the following LIS file:

Sample Report – Smarter Pay Import SPO File (SmarterPay_SPO_Imp)



Could not open input file <FileName>. Parameter ‘IPTH’ is not correct

Could not read input file <FileName>. Not able to read input file

File Rejected because the total number of records do not match with CTRL RowCount.

CTRLCOUNT <> LimitCount

File Rejected because file date is different from today date.

CTRL EFFdate is not equal to QueEffDate

Message:- Account#' || $AcctID || ' does not exist in DNA. $AcctID is an account number.

Account number does not exist in DNA

Account is not a Deposit Account. MjAcctTypCatCd is not DEP

SPR:-Account#' || $AcctID || ' is not a Deposit Account. $AcctID is an account number.

Account is not a Deposit Account.

Account is not an Active Account. CurrAcctStatCd is not ACT,IACT,DORM





SPR:-Account#' || $AcctID || ' is not an Active Account

SPO:-Account is not active

Limit is not set for this Account. No record exist for account in AcctMemoBalTyp table

Record is rejected because Record date is Future Date.

LimtEffDate is not equal to QueEffdate

SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) SMARTERPAY_SPR_IMP imports the SPR file returned by SmarterPay into DNA. The SPR file contains new refund amounts computed by SmarterPay for the accounts.

This batch application imports a comma-separated file (SPR file) to update the Max Overdraft Allowed (MOVD) memo balance for the accounts and generates a report. Data processing errors display in the report.

Note: If the file has a different date than the Queue Effective Date, an error displays.

SMARTERPAY_SPR_IMP Parameters The SmarterPay_SPR_IMP file uses the following parameters:

Parameter Description Req’d Default

RptOnly_YN (RPT)

Indicates whether to update the database when generating an exception report.

Y = Generate an exception report; do not update the database.

N = Update the database and generate an exception report.

Yes Y

Input File Path (IPTH)

Complete path name of the input file location. The trailing backslash is optional (ex. “C:\TEMP\“). The batch application processes all SPR files in this location.

Yes Null

SmarterPay_SPR_IMP File Layout The SmarterPay_SPR_IMP file displays in the following layout:


WFR Alpha WRF keyword.

FI Code Alpha Institution code.

SmarterPay Processing Group Code

Alpha Process group code for SmarterPay account.

Process Group Code Alpha Process group code.

Account Number Alpha Financial institution account number (10 digits, right justified with leading zeros).





NSF/OD Fee Refund Amount

Currency Suggested overdraft waiver/refund amount.

Note: Always a positive value.

Service Fee Refund Amount

Currency Suggested service fee waiver/refund amount.

Note: Always a positive value.

Control Record Output The control record displays in the following format:


CTRL Keyword Alpha CTRL keyword

WRF Keyword Alpha WRF keyword

FI Code Alpha Institution code

ProcessGroup Code Alpha SmarterPay process group code

Effective Date Date Effective date of the file in (MM-DD-YYYY) format

Row Count ALF Number of rows

SMARTERPAY_SPR_IMP SMARTERPAY_SPR_IMP imports the SPR file returned by SmarterPay into the 6NFR and 6SFR DNA account level user fields. The SPR file contains new refund amounts computed by SmarterPay for the accounts. When the SPR file is updated, a LIS report generates to the default location.

Output The SMARTERPAY_SPR_IMP report has the following output:

Field Description


Account Owner Name of the account owner

Maj Major account type

Min Minor account type

Current Balance Balance of the account

Limit Balance Maximum overdraft balance of the account

NSF/OD Fees Refund Limit

Maximum insufficient funds and overdraft fee refund amount

Service Fees Refund Limit

Maximum service fees refund

Total Number of Records Processed

Total number of records processed in DNA




The SMARTERPAY_SPR_IMP generates the following LIS file:

Sample SmarterPay Import SPR File (SmarterPay_SPR_Imp)



Could not open input file <FileName>. Parameter IPTH is not correct

Could not read input file <FileName>. Not able to read input file

File Rejected because the total number of records do not match with CTRL RowCount.

CTRLCOUNT <> LimitCount

File Rejected because file date is different from today date.

CTRL EFFdate is not equal to QueEffDate

Message:- Account#' || $AcctID || ' does not exist in DNA. $AcctID is an account number.

Account number does not exist in DNA

SmarterPay Purge Report (SMARTERPAY_PURGE) The SMARTERPAY_PURGE batch application purges account records from the AcctRecmMaxODSrcDataElemKey table that was also purged from the ACCT table in DNA. The SmarterPay Purge Report (LIS) also generated by SMARTERPAY_PURGE displays all SDEKs and related values for accounts, including the total number of accounts purged.

Note: The SMARTERPAY_PURGE report should only be run with your other DNA purge batch jobs after the Account Purge (PG_ACCT) report is completed.




SMARTERPAY_PURGE Parameter The SmarterPay_PURGE report uses the following parameter:

Parameter Code Description Req’d Default

RptOnly_YN (RPT)

RPT Indicates whether to generating a record report or delete records.

Y = Generate a report of all records from the AcctRecmMaxODScrDataElemKey table for which the account number does not exist in the ACCT table.

N = Delete all records from the AcctRecmMaxODScrDataElemKey table for which the account number does not exist in the ACCT table. Insert a row for purged AcctNbr with SrcDataEleementKeyCd = PRGF and value = 1.

Yes Y

Output The SMARTERPAY_PURGE report has the following output:

Field Description


SDEK Code SmarterPay SDEK code

Value Value of the corresponding SmarterPay SDEK code for the account

Total number of account(s) would have been purged

Total number of accounts purged if the RptOnly_YN (RPT) parameter was set to Y

Total number of record(s) would have been purged

Total number of records purged if the RptOnly_YN (RPT) parameter was set to Y

Total number of account(s) purged

Total number of accounts purged if the RptOnly_YN (RPT) parameter was set to N

Total number of record(s) purged

Total number of records purged if the RptOnly_YN (RPT) parameter was set to N




Sample Report – SMARTERPAY_PURGE Report

Screens

N/A Screen Appearance N/A Scheduling and Re-Run Information (for batch applications) Batch applications can be run any time by supplying the run time parameters.

Notices N/A




Glossary of SDEK Elements This section describes the following Source Data Elements (SDEK) of SmarterPay: • Balance Elements

• Transaction Elements

• Exception Elements

• Account Elements

• Customer Elements

• Relationship Elements

• Reg E Elements

Balance Elements Balance data elements are used to record the value of customer account balances at the time the extract runs after all transactions are posted for the day.

The following table lists the SDEK for balance elements:

SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN

Collected COLL Collected balance used to calculate the average daily balance for a DDA.

Yes

Ledger LEDG Posted balance. Yes

Continuous Days OD

CDOD Continuous days an account is overdrawn. This value is represented as an amount instead of a count because some institutions assign special meaning to negative values.

Yes

Batch OD Limit BODL Previous processing day’s overdraft limit amount used for batch processing.

Yes

Online OD Limit OODL Previous day's overdraft limit amount used for online authorizations Not mapped for DNA.

No

Legacy Batch OD Limit

LBOL Legacy batch overdraft limit for all accounts sent to SmarterPay based on the financial institution’s current limit setting schemes. The limit may be output as the batch limit for control group accounts. The amount is typically signed to match the BODL SDEK. Not mapped for DNA.

No

Legacy Online OD Limit

LOOL Legacy online overdraft limit for all accounts sent to SmarterPay based on the institution’s current limit setting schemes. The limit may be output as the online limit for control group accounts. The amount is typically signed to match the OODL SDEK. Not mapped for DNA.

No





Related Balances with Right of Offset

ROFF Balance used for right of offset in charge-off situations.

Yes

Holds HLDS Holds (e.g., hard holds, float, pending authorizations) included in the posting balance calculation during batch processing.

Yes

Charge-Off Principal

CPRN Total principal amount charged off. Yes

Charge-Off Fees CFEE Total fee amount charged off. Yes

Electronic Holds ELHS Any electronic holds on the account including ATM transactions, PIN, POS, teller checks, cashed check transactions, etc.

Yes

Hard Holds HRDS Any hard holds on the account including pledged funds, chargeback holds, tax liens, garnishments, Reg. CC, float, etc.

Yes

Batch Available Balance

BAVL Available funds in the account at the beginning of batch processing. This balance is available to clear items before NSF/OD fees are assessed. (Overdraft protection available funds are not included in this limit.)

Yes

NSF/OD Fees

Refund Amount/$

AVRF Amount used by the financial institution for NSF/OD fees waivers/refunds during the previous night’s batch cycle.

Yes

Service Fee Refund Amount/$

SVRF Amount used by the financial institution for service fees waivers/refunds during the previous night’s batch cycle.

Yes

Transaction Elements Daily transaction data for all accounts. Transaction data elements are comprised of DDA (checking or savings) transaction counts and amounts.

The following table lists the SDEK for transaction elements:


Continuous/Sustained Overdraft Fee(s) / #,$,A

1BRC Continuous/sustained overdraft fee(s).

Note: When 1BRC is sent, also send NODF.

Yes

Overdraft Fees - Items Paid into Overdraft / #,$,A

2ODF Transaction-level information capturing fees for items paid into overdraft.

Note: When 2ODF is sent, also send NODF.

Yes





NSF Fee - Returned Items/#,$,A

3NSF Transaction-level information capturing fees for items returned.

Note: When 3NSF is sent, also send NODF.

Yes

ACH Credits ACHC ACH credits. Yes

ACH Debits ACHD ACH debits. Yes

ATM Credits ATMC ATM deposits. Yes

ATM Debits ATMD ATM withdrawals. Yes

Bill Pay Debit BPYD Bill payments (debits). Includes payments initiated via internet banking or telephone.

Yes

Chargeback CBKD Chargeback transactions. Yes

Checks CHKD Inclearing and eChecks as defined by Check 21 regulations, which are paper checks converted to ACH debit transactions.

Yes

Fee Waiver FEWR Special institution waiver for NSF/OD fees due to bank error, maximum number of fees per day; or minimum transaction amount as part of a pricing package.

AMOUNT field = Monetary value of the fee

VALUE OF FEE CATEGORICAL field = Transaction waiver code

Note: There is no facility in DNA to track fee waivers due to bank error.

Yes

NSFOD Fee Waivers & Refunds

NFWR NSF/OD fee waivers and refunds. Includes per item fee waivers, extended overdraft fee waivers, and NSF/OD fees waived to analysis.

Yes

NSFOD Fees NODF NSF/OD fees. Includes per item fees and extended overdraft fees.

Yes

OD Protection Credit ODPC Overdraft protection transfer credit transactions to the DDA.

Yes

OD Protection Debit ODPD Overdraft protection payments (debits) from the DDA to the ODP source.

Yes

All Other Fees OFEE Non-NSF/OD-related fees assessed (e.g., monthly service charge, ATM fees, etc.).

Yes

Other Fee Waivers/Refunds / #,$,A

OFWR Other fees (non-NSF/OD continuous fees) waived or refunded for customers. Must be a customer-initiated waiver or refund request. Note: Categorical record contains persnbr of employee that processed the waiver.

Yes





Other Non-Customer Initiated Credits

OTHC Non-customer-initiated credit transactions that do not have another SDEK (e.g., reversals, adjustments, etc.).

Yes

Other Non-Customer Initiated Debits

OTHD Non-customer initiated debit transactions that do not have another SDEK (e.g., adjustments, interest, etc.).

Yes

Recurring POS Transactions

RPOS POS settlement transactions that recur on a set frequency.

Yes

POS PIN PIND POS settlement transactions where the customer uses a PIN to make a purchase at a POS terminal. Note: In DNA, all POS debits whether signature or PIN based are included in SIGD. Not mapped in DNA.

No

All Remaining Customer Initiated Credits

RCIC Customer-initiated credit transactions that do not have another SDEK.

Yes

All Remaining Customer Initiated Debits

RCID Customer-initiated debit transactions that do not have another SDEK.

Yes

Reversal Credits REVC Reversals of debit transactions posted to an account.

Yes

Reversal Debits REVD Reversals of credit transactions posted to an account.

Yes

NSF/OD Fee Waivers/Refunds / #,$,A

RFWA NSF/OD fee waived or refunded for customers. Must be a customer-initiated waiver or refund request. Note: Categorical record contains persnbr of employee that processed the waiver.

Yes

POS Signature SIGD POS settlement for PIN or Signature based transactions at aPOS terminal. Note: In DNA, all POS debits whether signature or PIN based are included in SIGD.

Yes

Teller Deposits TELC Teller deposit transactions. Yes

Teller Withdrawals TELD Teller withdrawal transactions. This includes the debit side of a teller cash item.

Yes

Transfer Credits TRNC Customer-initiated transfer credits. Includes transfers initiated at an ATM, internet banking, call center, telephone, etc.

Yes





Transfer Debits TRND Customer-initiated transfer debits. Includes transfers initiated at an ATM, internet banking, call center, telephone, etc.

Yes

Wires CREDIT WIRC Incoming wire transactions. Yes

Wires DEBIT WIRD Outgoing wire transactions. Yes

Exception Elements Exception data elements are used to record the daily exception events. Exception data elements are comprised of an event count and amount. The following table lists the SDEK for exception elements:


Decline NSF DNSF Transaction-level information for transactions declined due to insufficient funds during the authorization process.

Yes

NSF NSFX Individual transaction reversed and returned due to insufficient funds in batch after review by the branch or an officer.

Yes

Paid OD PDOD Individual transactions paid into overdraft in batch after the branch or officer review.

Yes

Auth Paid into OD APOD Transaction-level information for card transactions approved beyond good funds. This SDEK captures the authorization of the transaction and not the settlement.

Yes

Account Elements Account data elements are used to record information related to the accounts. The following table lists the SDEK for account elements:


Account Reopened Date / $

2BRD Date (MM-DD-YYY) the account was reopened. Yes

Auto loan Delinquency Flag

ALDQ Indicates whether the auto loan with the financial institution is delinquent.

Yes

Auto Loan Flag / $ ALFL Indicates whether a customer has an auto loan with the institution.

Yes

Acquisition ID AQID Financial institution an account was originally from before it was acquired. Not mapped for DNA.

No





Bad Primary Acct Address / A

BPAA Indicates whether a primary account’s address is no longer accurate or has known issues.

Y = Address known to have issues regarding mailings

N = No issues with address

Note: Not mapped for DNA.

No

Branch Code BRCH Bank branch code (10-character maximum). Yes

Credit Card/Line of Credit Delinquency Flag / A

CCDQ Indicates whether the credit card with the financial institution is delinquent.

Yes

Credit Card/Line of Credit Flag / A

CCFL Indicates whether a customer has a credit card with the financial institution.

Yes

CD/Savings Delinquency Flag / A

CDDQ Indicates whether the CD/savings account with the financial institution is delinquent.

Yes

CD/Savings Flag / A CDFL Indicates whether a customer has a CD/savings account with the institution.

Yes

Close Date CLDT Date (MM-DD-YYYY) the account was closed. Yes

Close Reason Code / A CLSR Reason for closing an account. Yes

Charge-Off Date CODT Date (MM-DD-YYYY) the account was charged off.

Yes

Charge-Off Flag COFF Indicates whether an account was charged off:

1 = Account was charged off

0 = Account was not charged off

Note: Data for charged off accounts is only sent in this SDEK.

Yes

Delivery Preference for OD Notices / A

DPON Notification delivery preference options for overdraft notices.

0 = Send paper letter only

1 = Send electronic letter only

2 = Send paper and electronic letter

3 = Do not send paper or electronic letters

4 = Bulk mail only; do not send paper or electronic letters. Print PDF image file

5 = Do not generate letters

Yes





Delivery Preference for XOD Notices / A

DPXN Notification delivery preference options - XOD Notice Types.

0 = Send paper letter only

1 = Send electronic letter only

2 = Send paper and electronic letter

3 = Do not send paper or electronic letters

4 = Bulk mail only; do not send paper or electronic letters. Instead, print the PDF image file and include in the bulk mail process to physically mail the paper letters to the financial institution

5 = Do not generate letters

Yes

Foreign Address Flag / A

FOAF Indicates an account has a foreign mailing address for SmarterPay notifications.

1 = Account has a foreign mailing address

0 = Account does not have a foreign mailing address

Yes

Special Handling Code for OD Notices / A

HCON Notification handling code options - OD notice types (1-4).

DNML = Do not mail

HOLD = Hold at branch

SPEC = Special handling

FORG = Foreign mail

Note: If an HCON SDEK is received with any of these values, the FOS notification field, NOTIFYFLAG, is set to 4, so FOS prints the overdraft letter and bulk mails it to the corporate bulk address for bulk mail. This SDEK is typically used by institutions that cannot send information via the delivery preference SDEKs. However, they may send both. Institutions can define other four-character handling codes not defined above.

Yes





Special Handling Code for XOD Notices / A

HCXN Notification handling code options - XOD Notice Types.

DNML - Do not mail

HOLD - Hold at branch

SPEC - Special handling

FORG - Foreign mail

Note: If an HCXN SDEK is received with any of these values, the FOS notification field, NOTIFYFLAG, is set to 4, so FOS prints the overdraft letter and bulk mails it to corporate bulk address for bulk mail. This SDEK is typically used by institutions that cannot send information send information via the delivery preference SDEKs. However, they may send both. Institutions can define other four-character handling codes not defined above.

Yes

Debit Card Flag HSDC Indicates whether the account has a debit card.

1 = Debit card

0 = No debit card

Note: Based on the agreement types noted in the SmarterPay Debit Card Flag (6SDF) variable.

Yes

Has E-Statement Flag / A

HSES Indicates whether the account is enrolled to receive electronic statements.

1 = Uses electronic statements

0 = Does not use electronic statements

Yes

ODP Flag HSOD Indicates whether the account has overdraft protection.

Y = Overdraft protection

N = No overdraft protection

U = Unknown

Yes

Member Number / A MBRN Member-level account number. Only applicable to credit unions.

Yes

Mortgage Delinquency Flag / A

MGDQ Indicates whether the mortgage with the financial institution is delinquent.

Yes

Mortgage Flag / A MGFL Indicates whether a customer has a mortgage with the institution.

Yes

OBP Code OBPC Institution-specific account-level code referring to the type of account. This element is mapped to the DNA major account type code of the account.

Yes





Branch/Officer ID OFID ID of the branch or officer managing the account. If this value is the same as the branch ID, the account is managed by the branch. If the value is alphanumeric, the account is managed by a relationship manager.

Yes

On Limit, Off Limit or Bank-Managed Control Group / A

ONLM Indicates whether a limit is calculated.

Y = On limit; a limit is calculated

N = Off limit; no limit is calculated

C = Bank-managed control group (rarely selected)

Yes

Account Open Date OPDT Date (MM-DD-YYYY) the account was opened. Yes

Other Relationship Delinquency Flag / A

ORDQ Indicates whether the other relationships with the institution are delinquent.

Yes

Process Group PROC Process group determined by the 6SGT variable during processing.

Yes

Other Relationship Flag / A

ORFL Indicates whether a customer has other relationships with the institution.

Yes

Purge Flag / A PRGF Indicates whether an account is marked for purging.

1 = Account is marked for purging

0 = Account is not marked for purging

Yes

In OD Program PSMX Account-level user field indicating whether the account participates in the Premium Overdraft program.

Y = Account is in the Premium OD program

N = Account is not in the Premium OD program

Note: Only used by clients that subscribe to the Premium OD program.

Yes





OD Program Status PSOD Account-level user field that provides additional information regarding the account’s status with regard to the Premium OD program. These are the standard status values. Institutions can create their own values.

1 = Account is active in program

2 = Inactive due to days NSF

3 = Inactive due to a non-accrual loan

4 = Inactive due to draw or sweep

5 = Inactive due to closed account

6 = Member opted out

77 = Inactive employee role on the account

Note: Only used by clients that subscribe to the Premium Overdraft program.

Yes

Rules for liquidity Extension for insufficient funds / A

REIN Liquidity choice beyond Reg E.

For example, the values sent in this SDEK could be:

0 = Default opt out

1 = Customer opt in

2 = Customer opt out

3 = Customer opt out all channels

4 = Bank opt out all channels

5 = Other

Note: When the SmarterPayREIN (6SPO) external interface variables is set to Y, this SDEK value is determined by the mapping found in the ExtIntfVarFromValueToValue table. When 6SPO is set to N, this SDEK is not mapped.

Yes

Account Status STAT Status of the account.

Y = Active

N = Closed

Yes

Statement Cycle / A STMT Account statement cycle.

Note: Used for SPO output frequency.

Yes

Account Status Value STVL Financial institution’s internal account status value. Account status code/number/ID/state at a more granular level than the STAT SDEK. The value may be a number or alphanumeric depending on institution-defined values and descriptions.

Yes





Subproduct Code SUBP Institution-specific account-level code referring to the type of account. Mapped to the DNA minor account type code of the account.

Yes

Excessive Overdraft Override /A

XORD Indicates a manual override occurred on this date (MM-DD-YYYY) for an excessive overdraft account; account is moved to inactive excessive override status. Affects excessive overdraft usage reporting.

Yes

Customer Elements Customer data elements are used to record information about the account holder. The following table lists the SDEK for customer elements:


Business Name / A BSNM Business name used by the business-type account for SmarterPay notifications.

Yes

Primary Account Holder Address Line1 / A

PAA1 Line 1 of the primary account holder’s mailing address.

Yes

Primary Account Holder Address Line2 / A

PAA2 Line 2 of the primary account holder’s mailing address.

Yes

Primary Account Holder Country Code / A

PACO Country code of the primary account holder’s mailing address.

Yes

Primary Account Holder City / A

PACY City of the primary account holder’s mailing address.

Yes

Primary Email Address / A

PAEA Primary account holder’s email address. Yes

Primary Account Holder First Name / A

PAFN Primary account holder's first name. Yes

Primary Account Holder Last Name / A

PALN Primary account holder’s last name. Yes

Primary Account Holder Postal Code / A

PAPC Zip or postal code of the primary account holder’s mailing address.

Yes

Primary Account Holder State / A

PAST State of the primary account holder’s mailing address.

Yes

Secondary Account Holder First Name / A

SAFN Secondary account holder’s first name. Yes

Secondary Account Holder Last Name / A

SALN Secondary account holder’s last name. Yes




Relationship Elements Relationship data elements are used to record information about the account holder’s relationship with the institution.

The following table lists the SDEK for relationship elements:


Age of Relationship AGRL Date (MM-DD-YYYY) the oldest account in the relationship was opened (includes any closed accounts on record).

Yes

Reg E Elements Reg E elements are used to record information about opt-in/out decisions for use in analysis and reporting.

The following table lists the SDEK for Reg E elements:


Opt Code OPCD Indecates whether to opt-in/out.

0 = Opt-out

1 = Opt-in

Yes

Channel Indicator CHAC Code indicating the channel (branch, web, VRU, teller, CSR etc.) used to opt-in/out (up to four characters).

Yes

Effective Date of Selection

EFDT Effective date (MM-DD-YYYY) of the opt-in/out selection.

Yes

Additional Requirements Additional Requirements Description

DNA Release Level DNA 4.2.X or higher

Special Release Instructions

Installation Instructions If you are an in-house client, follow the installation instructions available in the "DNAapps" section of the DNA Help files available on the extranet at DNA In-House.

If you are a data center client, a Compass case is automatically created when you order a trial or paid version of a DNAapp and routed to the Data Center team for installation. Data center DNAapp installation typically takes two weeks; however, the time frame varies depending on the complexity of the app, case load, and the responsiveness of the client and/or third parties. Check the app installation status in Compass or contact your Client Service Partner.

http://extranet.opensolutions.com/Core/DNA/Pages/DNA%20In-House.aspx




What You Should Do To enable the SmarterPay DNAapp, you must:

• Install the SmarterPay.dnax. See the Installation Instructions section in this document.



• Configure system and product-level variables. Navigate to: System > Institution > Variables > Calculation Type > SmarterPay Integration Type or SmarterPay Integ. Type Product from the CALCULATION TYPE dropdown list.

• Configure account-level user fields. Navigatie to: System > Institution > User Defined Fields > User Fields. See the “User Fields” online help topic to associate the SmarterPay specific user fields to each product that is configured for overdraft processing and/or Refund Advisor processing.

• Review and update the ExtIntfVarFromValueToValue table, as needed. Navigate to:

• System > System Tables > C-G Tables > External Interface

• System > System Tables > C-G Tables > External Interface Variables

• System > System Tables > C-G Tables > External Interface CrossReference

• Review and update applicable transaction reporting groups, as needed.

• Associate SmarterPay user fields to applicable products.

• Configure new batch jobs.

• Review and update Premium Overdraft variables and batch parameters, if applicable.

Configuration Checklist Item Test

Environment Production Environment

Variables

External Interface Variables

Transaction Reporting Group Mapping

Account User Fields

Parameters




Revisions Date App Version # Change

1/20/2015 1.0.0.0 Application created

8/29/2016 1.0.0.1 Added 44 new SDEKs, removed 29 SDEKs, and modified 13 SDEKs.

Added two variables (6SAT and 6SGT)

Added the 6SPO external interface variable.

Added four user fields (6NFR, 6SFR, 6XOD, and 6XNC).

Added SMARTERPAY_SPO_IMP batch application.

Removed Input File parameter from SMARTERPAY_SPO_IMP batch application.

Added ExtProcessGrp column to the RPT_AcctRecmMaxOD_Process table.

3/1/2017 1.0.1.0 Removed commas from Categorical Data Element in SMARTERPAY_EXP.

Added count data element for every record in SMARTERPAY_EXP data file.

CFEE and CPRN SDEKs are only included in SMARTERPAY_EXP extract file when an account is charged off.

Changed FEWR and NFWR SDEKs.

5/2/2017 1.0.1.2 Changed Checksum count in SMARTERPAY_EXP extract control record.

5/25/2017 1.0.1.3 Changed calculation for Checksum value in SMARTERPAY_EXP extract file for PDOD, CDOD, COLL, BAVL, HSDC, DNSF, 2ODF, 3NSF, NFWR, and transaction SDEKs in detail and control records.

6/8/2017 1.0.1.4 Changed PDOD, APOD, transaction SDEKs in detail record and updated transaction reporting group.

6/13/2017 1.0.1.5 Corrected the Core API insert statement ApplId for ApplAppl table.

6/14/2017 1.0.1.6 Changed PDOD, APOD, and transaction SDEKs in detail record and updated transaction reporting group.

6/20/2017 1.0.1.7 Changed PDOD, APOD, SIGD, and PIND transaction SDEKs.

7/11/2017 1.0.1.8 Changed PDOD, NSFX

Added two transaction reporting groups: 6AOD and 6POD

Removed the dependence of Batch Start App from SMARTERPAY_SPO_IMP batch job.

7/19/2017 1.0.1.10 Changed code to resolve missing transactions issue.

Removed 6PID SDEK and exception handling.

Updated installation script in SMARTERPAY_SPO_IMP batch job to display memo balance amount correctly on the LIS report.




Date App Version # Change

8/11/2017 1.0.2.6 Resolved SIGD, FEWR, PDOD, and APOD SDEK issues.

Removed external mapping for the 6AOD and 6POD transaction reporting groups.

8/18/2017 1.0.2.7 APOD and PDOD elements were excluded from SMARTERPAY_EXP historical run.

10/13/2017 1.0.2.8 Updated ALFL, CCFL, CDFL, MGFL, and ORFL to only consider related accounts with a status of ACT, IACT, DORM, or NPFM.

03/2018 1.0.2.8 Updated prerequisite information:



07/2018 1.0.2.9 The Consecutive Days OD Fee (CDOD) is now sent appropriately when an account becomes overdrawn, and when the account balance returns to zero or to a positive balance. The CDOD also now increments for each additional day the account is overdrawn.

Approved OD (APOD) and Paid OD (PDOD) elements are now sent appropriately for card transactions.

All appropriate Source Data Element Keys (SDEK) are sent when a new account is opened.

08/2018 1.0.2.10 Approved OD (APOD) and Paid OD (PDOD) elements now consider the Reg E Opt In for an account and whether or not the transaction is recurring. The maximum overdraft amount is no longer considered for accounts that have not opted into Reg E for a one-time transaction.

07/15/2019 1.0.3.0 The following Source Data Element Keys (SDEKs) were modified to correct an issue where certain manually posted transactions were not included in the extract file:

• Stop Payment Fee (OFEE and OFWR)

• Non-Sufficient Funds (NSF) Fee (2ODF and NODF)

• Check (CHKD)

Also, all transactions are now selected based on the Post Date (RtxnStatHist.PostDate) instead of the Original Post Date (Rtxn.OrigPostDate).

03/2020 1.0.3.3 The following Source Data Element Keys (SDEKs) were modified to correct an issue where certain manually posted transactions were not included in the extract file:

• Approved OD (APOD) and Paid OD (PDOD)

• Non-Sufficient Funds (NSF) OD (NFS OD)

Also, the time required to run reports has decreased.

smarterpay dna integration app 5

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