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Fusion Payments
Overview and Features

Becky Alvarez
Director Product Strategy
Cloud Financials Development
October 10, 2018
Payments Overview
Invoice Selection Building Payments Formatting Payments Printing / Transmission

Fusion Payments: Central Engine to Disburse and Capture Payments

Request Authorization Settlement Acknowledgement

Global Payment Messaging Security & Compliance Transmission Features Integration

100+ Formats, Easy Configuration Encryption, Masking, Tokenization HTTPS, SFTP, PGP Encryption CyberSource

Global Banking Model Visibility & Control Straight Through Processing Reporting Capabilities
Bank/Branch/Account Logic Payment Approval, Usability Remittance Advice, Positive Pay
Extensive Selection, Validation Model

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Payment Message Configurability

Format Framework
Disbursement XML Extract Structure
• Based on standard XML technology
• Templates stored in Oracle BI Publisher
• Template applied to Oracle Payments XML data file
• Templates can be easily created and edited
• Fixed position and delimited eText formats
• Rich library of seeded formats

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Quick Example
Existing Template Payment Message

Attribute To Be Added From Extract

Modified Template

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Security: Data At Rest & Data In Motion
Channel Security Payload Security

• Secured • PGP
protocols - Encryption
SFTP, HTTPS • PGP Digital
POST, UCM Signature
• Two Factor
Authentication

• Master Encryption Key: Automatically generated using AES • SFTP: Using HTTPS proxy that allows transmission without
algorithm and stored in Oracle Platform Security Services requiring approval of port

• Chain Key Approach: Master Encryption Key encrypts Subkey
and Subkey encrypts payment instrument data
• Encryption: Payment instrument data and other sensitive
payment data
• Two Factor Authentication: Allows SSL public key import
• UCM: Oracle Universal Content Management for outbound and
inbound integrations. ERP Cloud Integration Services can be
used to automate the file transfer.

• Masking: Payment instrument data and supplemental data • PGP Encryption and Digital Signature: Allows payment file
masking with last four digits unmasked security for both outbound and inbound payment files. Keys can
be generated or imported.
• Tokenization: Credit card data tokenization with CyberSource

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Efficient Installments Selection Payment Batch 1

Payment File 1
Payment Batch 1
Which Currency? USD, EUR
Which BU? USD, EUR Electronic
Which Payment Method?
Electronic BU1, BU2, BU3
Pool of Built
BU1, BU2 Payment File 2
User Payments
Payment
Payment Batch
Batch 2 USD, EUR
Printed
Invoice USD, EUR BU1, BU2, BU3
Selection Printed
BU1, BU2 Format Payments

Selects invoices based Payment Batch 3 Transmit Electronic File

on due/discount dates
USD, EUR
USD, EUR Electronic
Electronic BU1, BU2, BU3
Benefits BU3
Print Check Run
 Improve payment processing
USD, EUR
 Simplify user procedures Printed
 Lower cost of payment processing BU1, BU2, BU3

Copyright © 2018, Oracle and/or its affiliates. All rights reserved. |

Business Process Modelling
Decentralized
Invoice Invoice Payment BU A
BU A BU A
Entry Selection Processing

BU B
BU B BU B

Shared Service Center

Centralized Centralized Centralized
BU A Payment Processing
Invoice Entry Invoice Selection
BU A & B
BU A & B
BU B BU A & B

Payment Factory
Invoice Invoice Centralized
BU A Selection BU A Payment Processing
Entry
BU A & B
BU B BU B BU A & B

Copyright © 2018, Oracle and/or its affiliates. All rights reserved. |

Validation Model
Installments
Validations Performed At Different Levels Payment
Payment File
Upstream Validations Downstream Validations

Invoice Invoice Payment File Creation Formatting Transmission

Entry Selection Build

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Straight Through Processing
Payment Method Payment Process Profile
• Attribute on an invoice • Controls processing behavior
• Name given by user • Controls usage rules
• Doesn’t control the actual processing • Captures payment and payment file creation rules
• Captures usage rules • Controls transmission behavior
• Captures validations • Controls auxiliary reporting

PM defaults or is PPP defaults or

entered is entered Validations from Validations from Format from Separate
Printer Positive Pay
PM / Format format PPP remittance
advices

Invoice entered Invoices selected Invoices built Payments built into Payment file File transmitted Auxiliary
and validated for payment into payments payment file(s) formatted or printed reporting

Bank Central bank

Validations on Payment creation Transmission
instructions Bank reporting
PM rules from PPP details
from payee or (payment system) from
PPP PPP
Payment file Payment
creation rules from Instruction
PPP Register

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Key Features of Payments

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Centralized Payments

Supplier
 Shared Services model – Improves
flexibility and responsiveness.
 Better control over suppliers and their
payments.
 Improved supplier relation
management
 Reduced transaction and
Consolidated Payment (250 USD) administration costs for payments

New York Operations Seattle Operations

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Cross-Currency Payments
Normal Payment Effectively manage cross-
border transactions

Invoice in USD Payment in USD

Allows customers to make
Cross Currency Payment payments in most stable
currency

Invoice in USD Payment in non USD

Comply with legal regulation

“Cross Currency Payment is a payment to the supplier in a which prescribes payment in
currency different from the invoice currency” a specific currency

Copyright © 2018, Oracle and/or its affiliates. All rights reserved. |

Payment Approval
Invoice Entry Invoice Selection Payment Build Payment Approval Formatting File Creation

Notifications

Rejected Approved

PPR gets terminated

 Enforce approval process for payment process requests

 Enable management to review and prioritize payments for best use of available funds
 Approve or reject payment process requests

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Additional Information
• Working with Fusion Payments Formats MOS Note 1413989.1
• Troubleshooting guide on Formatting and the Payment Process MOS Note
1388385.1
• PGP Encryption and Digital Signature for Payment Files MOS Note
2134791.1
• Oracle Financials Cloud Using Payables Invoice to Pay
• Oracle Financials Cloud Implementing Payables Invoice to Pay

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Confidential – Oracle Internal/Restricted/Highly Restricted
16

Safe Harbor Statement

The preceding is intended to outline our general product direction. It is intended for
information purposes only, and may not be incorporated into any contract. It is not a
commitment to deliver any material, code, or functionality, and should not be relied upon
in making purchasing decisions. The development, release, and timing of any features or
functionality described for Oracle’s products remains at the sole discretion of Oracle.

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Copyright © 2018, Oracle and/or its affiliates. All rights reserved. |
Select invoices based on
due date or discount
date

Select invoices across currencies, business

units, legal entities etc..

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 Group multiple payment
batches into single
payment file

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 User can rotate master
encryption key

User can enable encryption

Masking is enabled by-default

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 SFTP authentication key can
be generated or imported

User can either generate or

import PGP Digital
Signature key

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 Payments grouping in payment file

Processing setup

Reporting setup
Usage rules

Transmission details

Documents grouping in payments

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 Payment method
usage rules

Pre-defined or user defined

validations can be attached
with payment method

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