State Bank of India Cash Management Product User Manual ... · PDF fileState Bank of India...

SBI CMP Manual Confidential For Internal Circulation Only

State Bank of India

Cash Management Product

User Manual

Draft Version

V0.1

Date: - 24/12/2015


Contents 1. CMP Portal ...................................................................................................................................... 3

Introduction ........................................................................................................................................ 3

Purpose of the Document ................................................................................................................... 4

Customers Supported ......................................................................................................................... 4

High Level Features ............................................................................................................................. 5

Products Offered ................................................................................................................................. 5

2. CMP Branch User Management ...................................................................................................... 5

Branch Maker ...................................................................................................................................... 6

Branch Authoriser ............................................................................................................................... 6

3. CMP Corporate User Management................................................................................................. 7

Roles Available .................................................................................................................................... 7

Regulator ......................................................................................................................................... 7

Administrator .................................................................................................................................. 7

User ............................................................................................................................................... 10

4. Corporate Creation ....................................................................................................................... 16

5. Corporate Authorization Matrix ................................................................................................... 16

6. Corporate User Management Options ......................................................................................... 17

7. File Upload Process ....................................................................................................................... 17

Creation of File Structure .................................................................................................................. 17

Reverse File ....................................................................................................................................... 20

Beneficiary File .................................................................................................................................. 20

Upload Option in CMP ...................................................................................................................... 22

Approval Flow ................................................................................................................................... 26

8. File Processing ............................................................................................................................... 28

Different Types of File Format Supported ........................................................................................ 28

Processing Details/ Status View ........................................................................................................ 28

File Inquiry ........................................................................................................................................ 29

9. MIS Reports (Reverse File) ............................................................................................................ 30

10. Billing and Pricing ...................................................................................................................... 30


1. CMP Portal

Introduction SBI’s Cash Management Product branded as SBI Fast intends to make the funds available in the

Shortest Time available. The high level features which is to be catered by the SBI’s Cash

Management Product is listed below

Centralised Control of Cash

Enhanced Liquidity

Interest Cost Reduction on Borrowings

Cash Forecasting and Scheduling

Effective Control Over Disbursements

Efficient Financial Management

The home page of the revamped SBI CMP Portal can be viewed basis the below URL Link -

https://newcmp.onlinesbi.com/

The user Log in Page is displayed as below for reference

https://newcmp.onlinesbi.com/


Purpose of the Document

This User Manual Document shall cover the features deployed as part of the Phase 1 of the CMP

revamp and will subsequently be updated based on the subsequent releases.

This document intends to support the CMP Corporate Users as well as the CMP Branch users to

operate the CMP Portal Screens and also understand the user functions associated with CMP Portal

for effective processing of the Corporate/Government payment files

Customers Supported As an end objective of the CMP Portal revamp, the revamped CMP Portal will support the all the

functions related to Corporate Payments and Government Payments. The Customers to be

supported as part of the revamped CMP Portal are as below

Corporate Customers

o Web Portal Mode

o H2H Mode

Government Customers (Central Government and State Government )

o Unified Government Portal for all the Government Customers

o Web Portal Mode for Transaction Submission

o Web Service Mode for Transaction Submission

o Customer Side Portal Hosting Mode

o SFTP Based Transaction Submission

Note: This document shall cover only the Phase 1 implementation of the CMP Portal Features, as

highlighted above


High Level Features The High Level Features provided as part of the New Revamped CMP Portal for the Corporates are as

below

a. Flexible Browser Compatibility with IE, Chrome and Firefox

b. Automated Backend Processing of the Payments and immediate transaction status

updates

c. Enhanced Input File Configuration features

d. More Secure Authorization Matrix

e. Flexible File Parser for handling Individual payment files and composite payment files

f. Flexible Transaction Enquiry Option for Corporate and Branch Users

g. Option for Corporate Self Service in User Creation & Authorization Matrix and alternate

Option for managing the functions at Branch level

h. Last 5 transactions and balance enquiry options available for the Corporates in the new

CMP Portal

i. Flexible User Creation and User Management Modules

Products Offered The revamped New CMP will support all the products which were supported by the Old CMP,

namely as below

NEFT - Deffered Net Settlement in Batches for amount less than 2 Lakhs. No bar on the

upper limit of the amount which can be transacted

RTGS – Real Time Gross Settlement for the transactions above the 2 Lakhs Limit can be

transacted using the product

DCR – Direct Credit , which helps the Customers in providing the SBI Account to SBI Account

Transfer facility

GRPT – This product enables the Customers to avail the SBI CMP services to provide the

transfer of funds from SBI to any of the group Bank’s

BTBP – This product type enables the movement of funds from one of the GL accounts to

another GL account of SBI.

2. CMP Branch User Management CMP Portal will be accessible to only the centralized CMP Branch for all the operations with regards

to CMP. Following will be the typical branch users, who will be provided the access to manage the

CMP Branch Operations

a. Branch Maker

b. Branch Authoriser


Branch Maker The user “Branch Maker” is the CMP Officer, who will be responsible for set of operational functions

associated with the CMP

Activities which the Branch Maker will be responsible are

Registration of the Corporate in CMP and generation of the Corporate ID

Creation of the Admin and the Regulator for the Corporate

Mapping the debit accounts to the Administrator created

SMS/eMAIL the User Name and the Password generated in CMP portal for the Corporate

Users

Reissue of login password for Regulator/Administrator

Reset of profile password for Administrator

Reissue of login password for Users

Configure the Corporate Specific Billing and Pricing Configurations provided in the

<Screen Shot to be Included>

Branch Authoriser Branch Authoriser generally oversees and approves the activities performed by the Branch Maker

Set of activities, which the Branch Authoriser performs is as below

Verify and Approve the Corporate Creation , Admin and Regulator Creations

Verify and Approve the Billing Configurations defined by the Branch Maker

Activities not exclusive for the Branch Authoriser, but will depend on if the Corporate has chosen for

a Self Service Mode or Centralise Branch driven User management. In case the Corporate has opted

for the Branch driven User Management, the Branch Authoriser will have to perform the below

additional activities

a. To set monetary limit on transactions for Third Party Fund Transfers

b. To make beneficiary validation mandatory or optional in financial transactions

c. To setup the transaction authorization preferences, if the corporate has opted for the

Branch driven authorisation mode

d. To decide whether a separate authorizer is required. All authorizers can also perform the

role of a maker & authorizer as decided by Branch

e. To decide on level (requirement) of Approver (Approver’s role is to check Transactions

before it goes for authorization)

f. To set rules for ‘Invalid Credit Action’ in bulk transactions

g. To post valid debit amount OR To reject bulk transactions (Single debit & multiple credits in

file upload mode)

h. To configure file structure for Bulk File Upload.



3. CMP Corporate User Management This section shall capture the various roles that has been made available to the Corporate Customers

in CMP and the how the Corporate User Management is handled in the CMP Portal

Roles Available The various roles available in the CMP Portal for the Corporates On boarded are discussed below

Regulator

Regulator performs the role of an Executive Controller. He cannot view or put through any financial

transactions. His basic responsibility is to set overall profile of operations in CMP Portal for the

Corporate as detailed below:



c. To setup the transaction authorization preferences, if the corporate has opted for the self-

service mode

d. To decide whether a separate authorizer is required (or maker himself can authorize the

transaction). All authorizers can also perform the role of a maker & authorizer as decided by

Regulator





file upload mode)


The Screen Shots for regulator functions have been attached below across various sections

Administrator

Administrator (also called Local Admin) has the management control at customer’s end. This user cannot put through any financial transactions. While there can be any number of Administrators for a given corporate customer, there cannot be more than one Administrator for a single account. The activities which the Administrator will perform are as below:

a. To create new users within Corporate such as User- Maker, User – Authoriser, Uploader,

Approver

b. To manage the User profiles through following options:

a. View

b. Modify

c. Lock/Unlock Users

c. To manage the access rights of the users in respect t of the selected accounts

d. Map the selected accounts to the user profile of selected accounts

e. Define the user ‘s rights on each of the account i.e. specify if the user is authoriser or

Uploader or any other role)

f. Set Up and Manage the specific rights extended to the users by


a. Choose the account number from the list of transaction accounts

b. Select mode of authorization viz. Single/Joint.

c. Specify the authorization limit

g. To modify the transaction ceiling defined in the Operating instructions

h. To update the Operating Instructions as and when the management changes the signing

powers

i. To re-issue fresh login passwords and reset profile and transaction passwords for the users

created by him

Below are the screens, which depict some typical functions of the Corporate Admin

For User Management the Admin will have access to the below screen. The Admin can add users,

assign them the rights and define their profile. The Admin may also deactivate or reactivate a

particular user

Admin can manage the Approver basis the below screen


Admin can manage the Uploaders also


The Password and the User name will be dispatched to the users Mobile Number and email ID

respectively

<Screen shot to be included>

User

Different kinds of users are supported in the CMP Portal. Below are the lists of the users which will

be made available to the corporate users

a. Authoriser - He authorizes the transactions uploaded by the Uploader as per the business

rules framed by the Corporate.

b. Uploader - The role of an Up-loader is to upload files containing bulk transactions in a pre-

defined file structure. He can also download reports of the posted transactions for

reconciliation and MIS purposes. He can also upload the files for third party creation in bulk.

c. Approver (Optional Role) - Checks transaction (additional checking) before it goes for

authorization.

The various functions which the CMP user can have is as below

View Details of My Accounts

Manage the Transactions

View Reports

Profile Details

Payments/Transfers

The various screens which the CMP Users can access are as below

My Accounts

The screen shall assist the users to view the summary of the accounts mapped against the user

including the last few transactions, balance.


If the Corporate User is mapped against a Current Account, the user can view the details like –

Balance Details, Transaction Details, Account Statement and Current Balance for the account which

has been mapped to the user



Similar to the Current Account mapped against the user, if any other account is mapped, the user

can view similar details as mentioned above.


The user also has a provision the Register and Manage the MT940 statement for the account

configured

The user can manage the transactions using the below option and the screen provided. Here the

user can view the transactions

The reports section of the menu shall provide the user with various reports like

Query By Account

Query By Transaction Number

Reports in Excel in various options like Form based, File Based, Download options

Pending Transactions Report


Account Based MIS

Failed Credits

Beneficiary List Download


4. Corporate Creation Corporate Creation will be completely handled by the CMP branch users. The Corporate Creation in

the CMP Portal will go through the Maker Checker Approval process.

The basic activities as part of the Corporate Creation is as below

Corporate Registration with specific details for Corporate Registration

Corporate ID generation

Create Admin and Regulator for the Corporate

Select Various options the Corporate has opted for like – Self Service/ Branch Service , Single

Debit and Multiple Credits, Reverse File Customisations, File Enquiry fields to be Opted for

Configure the Billing related details for the Corporate.


5. Corporate Authorization Matrix The revamped CMP will support the below two options of the Authorisation matrix as below as part

of the product feature. The Authorisation matrix built has considered Amount Limit, Corporate Roles

defined as important parameters for defining the User Matrix Rules.

Any customisation required as part the client requirement has to be incorporated based on the

Corporate Onboarding requirements

a. Option 1 :-

This Option allows the corporate to define two sets of group for authorising a particular transaction.

The Group 1 will include the First Level Checkers and Group 2 will include the Second Level of

Checkers/Approvers of the transaction. So for any transaction basis the rule configured, any of the

users in Group 1 can do the 1st level of approval and the any of the user marked in Group 2 can

perform the second level of the approval.

b. Option 2 :-

This Option allows the corporate not to distinguish between the user list in the Group 1 and Group 2

mentioned in the earlier option. Same list of the user will be mapped in the Group 1 and Group 2

also. Any of the users in Group 1 can approve the transactions at first level. Any other user available

in Group 2, who has not done the First Level of approval, will be allowed to perform the second level

of the approval.

Based on the Corporate requirement system can provide a pre-approval option as a third layer of

check.

Below is the User Authorization Matrix related screen shots from the CMP Portal for reference



6. Corporate User Management Options CMP shall provide two options for the Corporate User Management

Self Service Option for the Corporate - The CMP Portal shall provide an option in the

Corporate Creation Screen to choose

Centralized Branch Level Corporate User Management

Based on the Options selected, the set of the activities which are listed below will be either

performed by the CMP Branch Authorizer or Corporate Regulator



c. To setup the transaction authorization preferences, if the corporate has opted for the

Branch driven authorisation mode

d. To decide whether a separate authorizer is required. All authorizers can also perform the

role of a maker & authorizer as decided by Branch





file upload mode)


7. File Upload Process As a pre-cursor to the File Upload process, it has to be ensured that for the Corporate the below

activities have been completed, post the Corporate ID Creation. The below activities will be

performed either by the Corporate Regulator or the Brach Authorizer basis the Corporate Option of

Self Service or Branch level Service

Creation of File Structure The Input files definition of various file formats have to be defined in the CMP Portal. Multiple

Options have been made available for the defining the file configurations

Intra Bank – Transactions to be posted within SBI (DCR, BTBP)

Inter Bank – Transactions to be processed and routed to other banks (RTGS, NEFT, GRPT)

Both/Composite ( Single File Structure for all the Transactions)

Based on the file definition opted by the corporate, the corporate should use the same option while

uploading the file also to process the file

The regulator will have access to the below screens to configure the input file structure

To View the default File Configurations


The below screen options will provide the regulator to create the new file format for the Corporate


The screen depicted below shall help the regulator the Account based beneficiary details

In case regulator wants to modify or change the existing beneficiary file format, the below screen

has to be accessed


Reverse File For the Corporate, the option for the Reverse file has to be selected, whether the standard file

format will be provided as the Reverse File or any Customisation will be required for the Reverse File

Configurations

Based on the same, the Reverse File will be generated and delivered to the Corporate either in the

Web Portal itself or in the FTP location


Beneficiary File For the Corporate, if the beneficiary validation has been opted for, the beneficiary file will also have

to be created for the Corporate. The Regulator or the Branch Approver based on the option can

create the file structure for Beneficiary

The Uploader can upload the file for beneficiary based on the file format defined for the Corporate.

The Uploader can view the Beneficiary File Format definition created by the regulator


The Uploader will use the screen below for the

Approval of the Beneficiary details uploaded by the Corporate Uploader will be done by the

Regulator

Regulator in the above screen will have the option to approve the beneficiary for Intra Bank, Inter

Bank and Composite Files being uploaded by the Uploader

Note: In case the Corporate has opted for the Beneficiary Validation, the Beneficiary details will be

validated, else it will not be. The Beneficiary details will be picked from the transaction and

processed.


Upload Option in CMP The screen shot below depicts the File Upload screen provided to the Uploader, who can access the

same and upload the file. Below are the various screens which the Uploader can access and its

functions

View Configurations

The Screen shall assist the various file configurations, that is available for various Options like

Same Bank Transaction

Other Bank

Composite/Both


Uploader can perform a test file upload and check for the proper functioning of the File Format

configured

Uploader can also view the Beneficiary Template created for the Corporate.


For the Corporates who have opted for the Beneficiary Validation, system will allow the Uploader to

upload the Beneficiary Details as a file Upload

The Uploader will also have the feature to delete the beneficiary uploaded


The Uploader once has all the file configurations created and have the necessary beneficiary added,

can upload the transaction file for processing the transaction

The File Upload can be done for the following options by the Uploader

Only RTGS in a File

Only NEFT in a File

Only in DCR a File

Only BTBP in a File

Only GRPT in a File

Composite File including all the transaction types

Please refer to the screen, which the up-loader will use to upload the transaction files

In addition to the above mentioned actions, the Uploader can also upload the pan details of the

Corporate as a file for reference. Below is the screen, which can be referred for the same


Approval Flow Based on the Authorisation matrix defined for the corporate, the transaction will be moved from the

queue of Uploader to the First level Authoriser, Second Level Authoriser and Optional Authoriser

Levels.

The Authoriser in whose queue the transactions fall. Can either perform a bulk approval by selecting

all or can perform a single transaction by transaction approval.

Based on the Approval Matrix defined the Approver will get the transactions in his queue for

approval


The Authoriser can also have the reports downloaded

The Authoriser will also have option to approve the Beneficiary details uploaded by the Uploader


8. File Processing CMP will support the Payment Types like – NEFT, RTGS, DCR, GRPT, Direct Debits, MCC, PDC and

BTBP

Different Types of File Format Supported As part of the file processing capabilities, CMP will support Single Debit – Single Credit transactions

and Single Debit Multiple Debit Transactions , all based on the file formats uploaded by the

Corporate

The System will support individual file formats for each of the Products like RTGS, NEFT,BTBP, DCR

and GRPT or a Composite file including all the Payment Types

The CMP Portal will perform the necessary validations on the file uploaded based on the dynamic

parser for CMP Portal.

The Automated backend of the CMP Portal interfaces with the CBS for Posting and retrieving the

transaction status, which is included as part of the Reverse File submitted to the Corporates

Processing Details/ Status View

The System shall provide the automated status response for the file processing on the CMP Portal

Screen for the Users to view

In addition the Users can also view their account status, the balance information as part of the CMP

Portal


File Inquiry The users can view the Bulk Transactions as well as individual transactions, based on defined search

parameters. Similar File Enquiry feature will be available for both corporate users and the Branch

users


9. MIS Reports (Reverse File) The MIS Reports or the Reverse Files are the acknowledgement files with the transaction status

which will be made available by the CMP to the corporate users.

The MIS Reports or the Reverse File will be provided to the Corporates as a download option in the

Portal itself for the corporate user using the portal.

Any corporate initiating the payments via the H2H mode will be

CMP will provide two options for the Corporate Customers

Standard MIS Reports (Reverse Files) – The standard MIS reports will have all the fields

which were submitted by the corporate for payment transaction , additionally the reverse

file include the additional fields like status of the payment, UTR number, Date Payment

Made etc for the corporate reference

Customized MIS Report (Reverse Files) – During the Corporate Creation, there is a provision

to define the Customized Reverse files. This Option will be available at the Corporate Level,

which the Branch Maker can access and Configure.

Below is the CMP Screen View displaying the screen, from where the Reverse File can be

downloaded by the Corporates


10. Billing and Pricing

CMP comes with a highly configurable Billing & Pricing module, which shall enable the CMP Branch

User to define flexible charges for the corporate at each of the product level

Some of the salient features of the Charging Module are

Flexibility to configure the variable price at corporate id level

Flexibility to have separate pricing mechanisms each of the products supported in the CMP

System

Flexibility to define the frequency like Monthly, Daily etc

Flexibility to have different pricing options and flexibility to define the same in an

hierarchical order like

o Product Wise File Cap Amount

o Transaction Level Charges for each of the products

o Tier Based charges based on the Amount of the transaction , apply Min Cap – Max

Cap charges etc

o Failed Charges Configuration

o Return Charges Configuration


Option to View the defined charges and also view the charges which have been calculated

and stored in the Charging tables

Make Adjustments in case of erroneous billing the previous cycle and apply the adjustments

Option to trigger the posting of the charges post review

Generation of Invoices in the defined template for the Corporates

The whole of billing configuration will be handled by the Branch user as part of the corporate

creation. The Branch user will route the same to the Branch Authorizer for the approval.

<Screen Shots to be included>

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