CREDIT CARD

PAYMENT
RECONCILIATION
Operational excellence in financial processes
using disruptive and innovative solutions
• PAYMENT CHANNEL AND REQUIREMENT

• SOURCE FILES AND AVAILABILITY

AGENDA
• TRANSACTION RECON AND GL MOVEMENT

• SUMMARY OF ANALYSIS
PAY M E N T C H A N N E L A N D R E Q U I R E M E N T

Bill Desk is one of the major channel in RBL through which customer initiating the Credit Card payments against
their outstanding. Once the customer initiating the payment it will pass through three stages:

1. BillDesk switch against which bill desk will share settlement file
2. ESB (Middleware tool in bank)
3. Vision plus

Once the transaction done bank will perform reconciliation to get below details

1. Transaction level check for each payment

2. GL Movement (Settlement to Vision Plus)
S O U R C E F I L E S A N D AVA I L A B I L I T Y

Source File Name Format Extension Frequency

Mobile App Fixed .xlsx Daily Morning which contains previous day data
BillDesk
BillDesk Web Fixed .CSV Daily Morning which contains previous day data

ESB ESB Fixed .Xlsb Daily Morning which contains previous day data

OTP OTP Fixed .Xlsb Daily Morning which contains last 24 hours data

A1pt Fixed .xlsb Daily Morning which contains previous day data
Vision Plus
R16 .txt Daily Morning which contains previous day data’s summary
TRANSACTION RECON AND GL MOVEMENT

5
A N A LY S I S S U M M A R Y 6 t h M AY

Based On Unique ID
Particulars Settlement(6th May) ESB(5th May) OTP(6th May ESB) A1PT(5th May)
Count Amount Count Amount Count Amount Count Amount
Total records 42466 495778489.6 41323 484740337.2 32850 358035680.3 43936 514038190.1
Final Manual Posting(In Settlement Not in ESB
Not in OTP ) 1133 10992164.99 - - - - - -
In Settlement In ESB In A1PT(Reconciled 3 Way) 38457 448059978.8 38457 448059978.8 38457 448059978.8
In Settlement In ESB(or OTP) Not In
A1PT(Unreconciled) 2876 36726345.79 2846 36394726.49 30 331619.3 - -
Detailed Analysis
In Settlement In ESB 41303 484454705.3 41303 484454705.3 - - -
In Settlement not in ESB 1163 11323784.29 - - - - -
Not in Settlement In ESB - - 20 285631.9 - - -
In Settlement not in ESB in OTP 30 331619.3 - - 30 331619.3 - -
In Settlement In ESB(or OTP) Not In A1PT -
AutoSettled 2876 36726345.79 2817 36160810.32 30 331619.3
In Settlement In ESB(or OTP) Not In A1PT -
Rejected/Network Failure 29 233916.17

*Note :We are considering the ESB file of current day since we didn't have the OTP files of the particular
date.(Cut off transactions). 6
A N A LY S I S S U M M A R Y - 7 t h M AY

Based On Unique ID
Previous Day Settlement(6th May) ESB(5th May) OTP(6th May)
Count Amount Count Amount Count Amount
Previous Day Unreconciled Data 2876 36726345.79 2817 36160810.32 30 331619.3
Final Manual Posting(Previous day) 1133 10992164.99 29 233916.17

Particulars Settlement(7th May) ESB(6th May) OTP(7th May ESB) A1PT(6th May)
Count Amount Count Amount Count Amount Count Amount
Total records 24395 264263990.18 32850 358035680.33 37367 401506235.59 34941 383230641.02
In Settlement In ESB 23812 258082077.65 23812 258082077.65 - - - -
In Settlement not in ESB 583 6181912.53 - - - - - -

Not in Settlement In ESB - - 9038 99953602.68 - - - -

In Settlement not in ESB in OTP 22 - - 22 - -
Final Manual Posting(In Settlement Not in ESB
Not in OTP ) 561 - - - - - -
In Settlement In ESB In A1PT(Reconciled 3 Way) 22430 241722964.81 22430 241722964.81 22430 241722964.81
Previous Data unreconciled -Reconciled today 2871 36709293.16 2871 36709293.16
Rejected Transactions 5 17052.61
Previous Day Manual Post Reconciled 1133 10992164.99
In Settlement In ESB Not In A1PT(Unreconciled ) 1382 16359112.84 1382 16359112.84 - - - -
7
G L B A L A N C I N G S U M M A R Y – 7 t h M AY

Based On Unique ID
Particulars Settlement(6th May) A1PT(6th May) A1PT(5th May)

Count Amount Count Amount Count Amount

Total records (Gross Amount) 42466 495778489.60 34941 383230641.02 - -

Previous Day Unreconciled Data in A1PT - - - - 38457 448047978.39

In Settlement In A1PT (Reconciled) 42461 495761436.97 4004 47713458.58 38457 448047978.39

Unreconciled Data

1. In Settlement Not in A1PT (Rejected Records) 5 17052.61 - - - -

2. Not in Settlement In A1PT - - 30919 335411183.56 - -

Within A1PT (Swaped/Cured Records) - - 18 52999.44 - -

8
G L B A L A N C I N G S U M M A R Y – 7 t h M AY

As per RBL As per ASCENT

Tran Id 315 GL 6-May-20 06-May-20 Type 1 Type 2
Opening Gl Type 1 as on 07 May'20 2545009940110315 232,941,679,846.10 Vision Plus Settlement finacle
Closing Gl Type 1 as on 07 May'20 2545009940110315 233,324,857,487.68 Opening Balance (Previous Day’s
Closing Balance) 2,32,94,16,79,846.10 2,32,14,98,22,253.28

Opening Gl Type 2 as on 06 May'20 2545109940110315 232,149,822,253.28

VP (Net Amount of the Settlement) 0.00 49,54,42,419.30
Closing Gl Type 2 as on 06 May'20 2545109940110315 232,651,183,573.68
R16 ( A1Pt Total Amount except GL
Balances Type 1 B3-B2 383,177,641.58 115 count) 38,31,77,641.58 0.00

Balances Type 2 B6-B5 501,361,320.40 Reject Payment/R-15 17,052.61 0.00

Swap/cured -52,999.44 0.00
VP 501,361,320.40 Reconciled (Prev day) 5th 44,80,47,978.39 0.00
R16 383,177,641.58
Exception (Current day) 6th -33,54,11,183.56 0.00
Settle Pending 2,318.00
Reject Payment/R-15 14,734.61 Charges (From Settlement file Gross
– Net Amount) -3,36,070.28 0.00
Swap/cured -52,999.44
Exception (Prev day) 448,047,978.39 Total 49,54,42,419.30 49,54,42,419.30
Exception (Current day) -335,411,183.56
Booked Charges 5,918,901.10 Difference between type 1 and 2 0.00
Charges -336,070.28 Booked Charges 59,18,901.10
Total 501,361,320.40
Closing Balance (Next Day
Net Difference -0.00 9
Opeaning Balance) 2,33,32,48,57,487.68 2,32,65,11,83,573.68