CMS Base II - Plan Master and Monetary Transaction Control

Kanbay Incorporated
Kanbay Incorporated
Base II CMS
May 2004
2004 Kanbay Incorporated - All rights reserved
Credit Plan Master

& Monetary Transactions
PROPRIETARY &
12/14/16 21:12
Credit Plan Master . . .
Retail purchases
Cash advances
Balance transfers
Access checks
Closed-end loans
Secondary record defined at the Organization level
PROPRIETARY &
12/14/16 21:12
Accounts & Plan Segments . . .
Each plan can have its

own interest rate and
repayment terms
Each account can have

99 plan segments
PROPRIETARY &
12/14/16 21:12
Plan Masters & Segments . . .
All sale transactions must enter CMS with

a valid credit plan number (TRAMS can
add it)
If no existing plan - CMS generates one
If plan exists - CMS adds sale to existing

plan
If plan exists but CPM indicates no

additional sales, CMS generates another
one
PROPRIETARY &
12/14/16 21:12
Credit Plan Master File - AMCP
The AMCP file contains the processing

parameters that control the credit plans
in CMS
The key for the AMCP file consists of:

AMCP-ORG
AMCP-PLAN
The plan type field in AMCP is used to

identify the type of the credit plan
PROPRIETARY &
12/14/16 21:12

The AMCP-PLAN-TYPE details:
AMCP-PLAN-TYPE value of A corresponds

to AMCP-PLAN-TYPE-ACCESS-CASH
AMCP-PLAN-TYPE value of B corresponds

to AMCP-PLAN-TYPE-BAL-XFR-RETAIL
AMCP-PLAN-TYPE value of C corresponds

to AMCP-PLAN-TYPE-CASH
AMCP-PLAN-TYPE value of D corresponds

to AMCP-PLAN-TYPE-DEFERMENT
PROPRIETARY &
12/14/16 21:12

The AMCP-PLAN-TYPE details:
AMCP-PLAN-TYPE value of K corresponds

to AMCP-PLAN-TYPE-ACCESS-RETAIL
AMCP-PLAN-TYPE value of R corresponds

to AMCP-PLAN-TYPE-RETAIL
AMCP-PLAN-TYPE value of T corresponds

to AMCP-PLAN-TYPE-BAL-XFR-CASH
AMCP-PLAN-TYPE value of L corresponds

to AMCP-PLAN-TYPE-CLOSED-END-LOAN
PROPRIETARY &
12/14/16 21:12
Plan Master - ARMC

ARMC (
WHIRL DEVELOPMENT LCM1

CREDIT PLAN MASTER
ORGANIZATION ( 001 )
PF1=ARMU
PF2=ARMG
PLAN NBR
PF3=ARMI
PAGE 00
07/09/2004
01:57:24
( 10001 )
PF4=ARMF
PROPRIETARY &
PF5=ARMX
PF6=INQUIRY
12/14/16 21:12
User-Defined Fields . . .
Description
Plan id
Product code
User Codes
PROPRIETARY &
12/14/16 21:12
Plan Master ARMC01

Description: Description of Credit Plan
Master record
Multiple Sales Flag: Code indicating if a

new Plan Segment record is added for every
sales transaction
Plan ID: User Defined number for the

promotional product associated with the
Credit Plan Master Record
PROPRIETARY &
12/14/16 21:12
Plan Master ARMC01

Product Code: User defined product code
for the Credit Plan Master Record
User Code: User defined codes for

additional information. Filed names can be
changed through the Organization Record
Payment Options: The fields under

Payment Options control how payments are
applied to credit plans generated by the
PROPRIETARY &
12/14/16 21:12
Plan Master ARMC01

ARMC (

PAGE 01
07/09/2004
CREDIT PLAN MASTER
02:10:42
ORG 001
PLAN NBR 10001
DATE LAST MAINT 01/28/2004
DESCRIPTION
( PURCHASES
)
PLAN TYPE
R
REQUIRED DOWN PMT ( A ) ( 0000000 )
RATE TBL OCCUR
( 01 )
MULTIPLE SALES
( Y )
BEGINNING DATE
(
)
ENDING DATE
(
)
BALANCE TRANSFER TYPE
( N )
INTEREST TABLE OVRRDE
( 000 )
GRACE DAY BALANCE
( Y )
ITO EXP
( D
000 ) (
)
MIN SALE
( 000000000 )
MAX SALE
( 000000000 )
POSTING INDICATOR
( 0 )
DEFER INT ( 000 ) ( 0 ) (
) ( 0 ) PLAN ID
(
)
DEFER INS ( 000 ) ( 0 ) (
) ( 0 ) RECORD COUNT IND
( 05 )
DFR BILL ( 000 ) ( 0 ) (
)
PRODUCT CODE
(
)
DEFER PMT ( 000 ) ( 0 ) (
)
CANCEL F / LVL / LTR / PLAN
( 0 ) ( 0 ) (
) ( 00000 )
EXPR / LTR / PLAN
( 0 )
(
) ( 00000 )
USER CD 1
( 000 )
USER CD 2
( 000 )
USER CD 3
( 000 )
USER CD 4
( 00000 )
USER CD 5
( 00000 )
USER CD 6
( 00000 )
PAYMENT OPTIONS PAYMENT TYPE
( C )
CONSOLIDATED PAYMENT ( Y )
CONSOLIDATED STATEMENT ( Y )
CONTROLLING PLAN
( 10001 )
CURRENCY 840
NOD 2
PER ITEM NOD 3
PERCENTAGE NOD 7
PF1=ARMU
PF2=ARMG
PF3=ARMI
PF4=ARMF
PF5=ARMX
PF6=INQUIRY
PROPRIETARY &
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Plan Master Repayment Table

The Repayment Table is used to calculate
the minimum payment due for credit plans
generated by the Credit Plan Master Record
PROPRIETARY &
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Plan Master ARMC02 Repayment Table

ARQC (
01
02
03
04
05
06
07
08
09
10

REPAYMENT TABLE
MAX BALANCE
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
00999999999999999
CURRENCY
PF1=ARMU
840
PAYMENT
000250000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
NOD 2
PF2=ARQG
PAGE 02
PER ITEM NOD

PF3=ARQI
PF4=ARQF
3
PF5=ARQX
PROPRIETARY &
07/09/2004
04:42:03
A/P
P
A
A
A
A
A
A
A
A
A
PERCENTAGE NOD
PF6=MAINT
12/14/16 21:12
Plan Master ARMC04 Store Numbers

Identifies Store Numbers to include or
exclude while authorizing sales under the
Credit Plan Master record
The Include/Exclude flag is used to indicate

whether the store numbers listed are
included or excluded while authorizing sales
under the Credit Plan Master Record
PROPRIETARY &
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Plan Master ARMC04 Store Numbers

ARQC (

CREDIT PLAN MASTER
PAGE 04
07/09/2004
05:30:15
ORG 001
PLAN 10001
*------------> THESE OPTIONS ARE FOR AUTHORIZATION PURPOSES ONLY <------------*
EXCEPTION STORES
INCLUDE/EXCLUDE (
)
STORE NBR
STORE NBR
STORE NBR
STORE NBR
STORE NBR
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
000000000
PF1=ARMU
PF2=ARQG
PF3=ARQI
PF4=ARQF
PROPRIETARY &
PF5=ARQX
PF6=MAINT
12/14/16 21:12
Plan Master ARMC05

Identifies Residence ID Codes, Logo
numbers, and SKU numbers to include or
exclude while authorizing sales under the
PROPRIETARY &
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Plan Master ARMC05

ARMC (

CREDIT PLAN MASTER
PAGE 05
07/09/2004
06:00:13
ORG 001
PLAN 10001
*------------> THESE OPTIONS ARE FOR AUTHORIZATION PURPOSES ONLY <------------*
EXCEPTION RESIDENCE ID MAINTENANCE
INCLUDE/EXCLUDE RESIDENCE ID (
)
(
) (
) (
) (
) (
) (
) (
) (
) (
)
(
) (
) (
) (
) (
) (
) (
) (
) (
)
(
) (
)
EXCEPTION
( 000 ) (
( 000 ) (
( 000 ) (
LOGO MAINTENANCE
INCLUDE/EXCLUDE LOGO MAINT (
)
000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 )
000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 ) ( 000 )
000 )
EXCEPTION SKU NUMBERS

( 000000000 ) ( 000000000
( 000000000 ) ( 000000000
( 000000000 ) ( 000000000
( 000000000 ) ( 000000000
PF1=ARMU
PF2=ARMG
)
)
)
)
(
(
(
(
000000000
000000000
000000000
000000000
PF3=ARMI
INCLUDE/EXCLUDE SKU
) ( 000000000 ) (
) ( 000000000 ) (
) ( 000000000 ) (
) ( 000000000 ) (
PF4=ARMF
PROPRIETARY &
PF5=ARMX
NBRS (
)
000000000 )
000000000 )
000000000 )
000000000 )
PF6=INQUIRY
12/14/16 21:12
Plan Master ARMC06

Plan Priority, Amortization tables:
Up to four Activity Recap reports for credit
plans generated by the Credit Plan Master
Record
Up to six insurance products to include or

exclude from the credit plan
Plan priority levels that determine the priority

for applying normal payments, overpayments,
and underpayments to credit plans
Amortization tables for Principal, Interest,

Insurance and Fees
PROPRIETARY &
12/14/16 21:12
Plan Master ARMC06

ARMC (
ORG
001

CREDIT PLAN MASTER
PLAN
PAGE 06
07/09/2004
06:03:33
10001
ACT RECAP CONTROL
RPT 1
DTL
RPT 2
DTL
RPT 3
DTL
RPT 4
DTL
( 000 ) ( N ) ( 000 ) ( N ) ( 000 ) ( N ) ( 000 ) ( N )
INSURANCE
I/E
PRD 1 PRD 2 PRD 3 PRD 4 PRD 5 PRD 6
(
) (
) (
) (
) (
) (
) (
)
PAYMENT APPLICATION
PLAN PRI/CNTRL: NORMAL ( 30 ) ( F ) OVER ( 30 ) ( F ) UNDER ( 30 ) ( F )
BILL FEE IND:

PF1=ARMU
MEMB
PF2=ARMG
0
PF3=ARMI
PF4=ARMF
PROPRIETARY &
PF5=ARMX
PF6=INQUIRY
12/14/16 21:12
Plan Master ARMC07

User defined Dates, Amounts and Codes
can be added here
PROPRIETARY &
12/14/16 21:12
Plan Master ARMC07

ARMC (
ORG
001
USER DATES
USER DATE
USER DATE
USER DATE
USER DATE
)
PLAN
PF1=ARMU
PAGE 07
07/09/2004
06:12:23
10001
1
2
3
4
USER AMOUNTS
USER AMOUNT
USER AMOUNT
USER AMOUNT
USER AMOUNT
USER CODES
USER CODE
USER CODE
USER CODE
USER CODE

PLAN USER INFORMATION
1
2
3
4
1
2
3
4
PF2=ARMG
(
(
(
(
USER
USER
USER
USER
DT
DT
DT
DT
(
(
(
(
USER
USER
USER
USER
AMT
AMT
AMT
AMT
(
(
(
(
USER
USER
USER
USER
CD
CD
CD
CD
PF3=ARMI
1
2
3
4
1
2
3
4
)
)
)
)
1
2
3
4
)
)
)
)
)
)
)
)
PF4=ARMF
PROPRIETARY &
PF5=ARMX
PF6=INQUIRY
12/14/16 21:12
Monetary Transactions . . .
Generated
Transactions
User Assigned
Transactions
Secondary record defined at the Organization level
PROPRIETARY &
12/14/16 21:12
Monetary Transactions. . .
Each Organization
processed by CMS must
have a Monetary
Transaction Code record
The Monetary
Transaction Code Record
lists the monetary
transactions and User
Defined code
transactions for an
organization
PROPRIETARY &
12/14/16 21:12
Logic Modules and Monetary Transactions . . .
Transaction Codes are not directly defined

by CMS for Monetary transactions
CMS includes logic modules to update
account balance and plan balance
information to provide the effect of
Monetary transactions
For each Organization, transaction codes
are assigned to logic modules
Transactions can be one of the two
categories: Generated and User Assigned
PROPRIETARY &
12/14/16 21:12
Monetary Transaction Control File - AMMC
The AMMC file contains definitions of

monetary transactions and their operating
characteristics and descriptions
The key for the AMCP file consists of:

AMMC-ORG
AMMC-TXN-CODE
AMMC-REC-NBR
The two record formats for this file are:

Org Header Record
User Defined Transaction Records
PROPRIETARY &
12/14/16 21:12
The Org Header Record details:

Identified by a 000 in the transaction code
field, which is a part of the key
Contains the add status for the organization
Contains a table of valid generated
transaction codes for the org
The User Defined Transaction Record
details:
Contain values 001 thru 998 in the
transaction code field and 0 in the record
number field
Contains all user generated transaction
codes for CMS
PROPRIETARY &
12/14/16 21:12
ARMX Monetary Transaction Control

ARMX (
PAGE 00
MONETARY TRANSACTION DESCRIPTIONS
07/09/2004
06:58:59
ORGANIZATION ( 001 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX01 and ARMX02 Fees and

Miscellaneous Assessments - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (
**** USER DEFINED TITLE****

PAGE 01
04/24/2003
MONETARY TRANSACTION CONTROL
21:09:58
ORGANIZATION
001 FEES AND MISCELLANEOUS ASSESSMENTS
GENERATED TRANSACTION CODE ASSIGNMENTS
BILLED FINANCE CHARGES
( 714 )
SERVICE CHARGE ASSESSED
( 705
INTERIM STATEMENT FEE DB
( 916 )
OVER LIMIT CHARGE ASSESSMENT ( 702
LATE CHARGE ASSESSMENT
( 701 )
MEMBERSHIP FEE ASSESSED
( 700
INSURANCE PREMIUM ASSESSED
( 707 )
RESERVED FOR FUTURE USE
CREDIT BALANCE REFUND
( 720 )
GENERATED MEMO
( 721
PRINCIPAL DEBIT ADJUSTMENT
( 711 )
PRINCIPAL CREDIT ADJUSTMENT ( 811
INTEREST DEBIT ADJUSTMENT
( 712 )
INTEREST CREDIT ADJUSTMENT
( 729
AUTOMATIC INITIAL CHARGEOFF ( 718 )
AUTOMATIC FINAL CHARGEOFF
( 717
SMALL BALANCE WRITE-OFF DB
( 716 )
SMALL BALANCE WRITE-OFF CR
( 816
BILLED DEFERRED FIN CHGS
( 713 )
AUTO LATE FEE REVERSAL
( 719
F/S AUTO EARNED POINTS
( 722 )
F/S AUTO POINT DISBURSEMENT ( 723
F/S AUTO ADJUSTMENT POINTS
( 724 )
BILLED RECAPTURE FIN CHGS
( 733
SERVICE CHARGE REVERSAL
( 992 )
BILLED DELINQUENT FIN CHGS
( 919
REPORT FEE ASSESSED
( 917 )
REPORT FEE REVERSED
( 920
DC TRANSACTION
( 918 )
DD TRANSACTION
( 715
DEBIT CARD OFFSET DEBIT
( 003 )
DEBIT CARD OFFSET CREDIT
( 004
CHECK PAYMENT
( 915 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
PF6=INQUIRY
12/14/16 21:12

ARMX (

PAGE 02
ORGANIZATION
NSF FEE 1 ASSESSMENT
( 703 )
( 708 )
( 710 )
LTR FEE 1 ASSESSMENT
( 922 )
( 924 )
USER FEE 1 ASSESSMENT
( 926 )
( 928 )
( 930 )
PREFERRED INTEREST REBATE
( 932 )
DEFERRED INS PREM BILLED
ACC DELQ INS PREM BILLED
( 934 )
ACC DELQ INS PREM REFUND
CRD ISS FEE ASSMNT
( 936 )
FOREIGN PAYMENT DB ADJUST
FOREIGN PRINCIPAL CREDIT
( 938 )
FOREIGN PRINCIPAL DEBIT
PERIODIC MEMBERSHIP FEE
( 706 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
04/24/2003
21:14:25
(
(
(
(
(
(
(
(
(
(
(
(
704
709
921
923
925
927
929
931
933
935
937
939
)
)
)
)
)
)
)
)
)
)
)
)
PF6=INQUIRY
12/14/16 21:12
ARMX03 Internal Fee Adjustments Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 03
04/24/2003
21:15:48
ORGANIZATION
001 INTERNAL FEE ADJUSTMENTS
INTEREST ACCRUED
( 730 )
INTEREST WAIVED
( 841 )
INTEREST CREDIT ADJUSTMENT
( 840 )
SERVICE CHARGE CR ADJUSTMENT ( 805 )
OVERLIMIT FEE CR ADJUSTMENT ( 802 )
LATE CHARGE CR ADJUSTMENT
( 801 )
INSURANCE PREMIUM CR ADJUST ( 807 )
RECOVERY FEE CR ADJUSTMENT
( 842 )
COLLECTION FEE CR ADJUSTMENT ( 843 )
ANNUAL FEE CR ADJUSTMENT
( 800 )
DEFERRED FINANCE CHARGES DB ( 731 )
WAIVED FIN CHG-STORE CHGED
( 732 )
( 849 )
DEFERRED FINANCE CHARGES CR ( 831 )
ACCRUED INTEREST WAIVED
( 857 )
RECAPTURE FINANCE CHARGES DR ( 858 )
RECAPTURE FINANCE CHARGES CR ( 859 )
NSF FEE 1 CREDIT ADJ
( 844 )
( 860 )
( 861 )
( 862 )
( 863 )
INSURANCE ACCRUED
( 856 )
USER FEE 1 CREDIT ADJ
( 792 )
( 793 )
( 794 )
( 795 )
( 796 )
( 797 )
DEFERRED INSURANCE
( 777 )
DEFERRED INSURANCE WAIVED
( 778 )
ACCRUED DELQ INS WAIVED
( 779 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX04 Non Post Adjustments Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 04
04/24/2003
21:17:23
ORGANIZATION
001 NON-POST ADJUSTMENTS
INITIAL NON-POST DEBIT
( 750 )
INITIAL NON-POST CREDIT
( 850
NON-POST DEBIT PURGE
( 752 )
NON-POST CREDIT PURGE
( 852
NON-POST BATCH DEBIT
( 751 )
NON-POST BATCH CREDIT
( 851
REPEAT NON-POST DEBIT
( 753 )
REPEAT NON-POST CREDIT
( 853
NON-POST DEBIT REVERSAL
( 855 )
NON-POST CREDIT REVERSAL
( 755
NON-POST DB BATCH REVERSAL
( 854 )
NON-POST CR BATCH REVERSAL
( 754
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
)
)
)
)
)
)
PF6=INQUIRY
12/14/16 21:12
ARMX01 Fees and Miscellaneous

Assessments - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 05
ORGANIZATION
001 PAYMENT DISTRIBUTION
PRINCIPAL CREDIT PAID
( 870 )
FINANCE CHARGE CREDIT PAID
SERVICE CHARGE CREDIT PAID
( 872 )
OVERLIMIT FEE CREDIT PAID
LATE CHARGE CREDIT PAID
( 874 )
INSURANCE PREMIUM PAID
RECOVERY FEE CREDIT PAID
( 876 )
COLLECTION FEE CREDIT PAID
NSF FEE CREDIT PAID
( 878 )
ANNUAL FEE PAID
PRINCIPAL CREDIT REVERSED
( 905 )
FINANCE CHARGE CREDIT REV
SERVICE CHARGE CREDIT REV
( 907 )
OVERLIMIT FEE CREDIT REV
LATE CHARGE CREDIT REVERSED ( 909 )
INSURANCE PREMIUM REVERSED
RECOVERY FEE CREDIT REV
( 911 )
COLLECTION FEE CREDIT REV
NSF FEE CREDIT REVERSED
( 913 )
ANNUAL FEE REVERSED
USER FEE 1 CREDIT PAID
( 940 )
USER FEE 1 CREDIT REV
( 941 )
( 942 )
( 943 )
( 944 )
( 945 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
04/24/2003
21:18:47
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
871
873
875
877
879
906
908
910
912
914
946
947
948
949
951
952
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
PF6=INQUIRY
12/14/16 21:12
ARMX06 and ARMX07 Transfer

Generated Transactions - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 06
04/24/2003
21:19:50
ORGANIZATION
001 TRANSFER GENERATED TRANSACTIONS
PRINCIPAL DEBIT OUT
( 787 )
PRINCIPAL CREDIT IN
( 887 )
PRINCIPAL CREDIT OUT
( 886 )
PRINCIPAL DEBIT IN
( 786 )
FINANCE CHARGE CREDIT OUT
( 888 )
FINANCE CHARGE DEBIT IN
( 788 )
SERVICE CHARGE CREDIT OUT
( 889 )
SERVICE CHARGE DEBIT IN
( 789 )
OVERLIMIT FEE CREDIT OUT
( 881 )
OVERLIMIT FEE DEBIT IN
( 781 )
LATE CHARGE CREDIT OUT
( 890 )
LATE CHARGE DEBIT IN
( 790 )
INSURANCE PREMIUM CREDIT OUT ( 882 )
INSURANCE PREMIUM DEBIT IN
( 782 )
RECOVERY FEE CREDIT OUT
( 883 )
RECOVERY FEE DEBIT IN
( 783 )
COLLECTION FEE CREDIT OUT
( 884 )
COLLECTION FEE DEBIT IN
( 784 )
NSF FEE CREDIT OUT
( 885 )
NSF FEE DEBIT IN
( 785 )
ANNUAL FEE CREDIT OUT
( 880 )
ANNUAL FEE DEBIT IN
( 780 )
FREQUENT SHOPPER POINTS OUT ( 891 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12

ARMX (
)
ORGANIZATION
USER
USER
USER
USER
USER
USER
FEE
FEE
FEE
FEE
FEE
FEE
PF1=ARMU
1
2
3
4
5
6
CREDIT
CREDIT
CREDIT
CREDIT
CREDIT
CREDIT

PAGE 07
001 TRANSFER GENERATED TRANSACTIONS
OUT
( 953 )
USER FEE 1 DEBIT IN
OUT
( 954 )
USER FEE 2 DEBIT IN
OUT
( 955 )
USER FEE 3 DEBIT IN
OUT
( 956 )
USER FEE 4 DEBIT IN
OUT
( 957 )
USER FEE 5 DEBIT IN
OUT
( 958 )
USER FEE 6 DEBIT IN
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
04/24/2003
21:20:58
(
(
(
(
(
(
959
961
962
963
964
965
)
)
)
)
)
)
PF6=INQUIRY
12/14/16 21:12
ARMX08 Charge-Off Generated

Transactions - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
CO

PAGE 08
04/24/2003
21:21:56
ORGANIZATION
001 CHARGE-OFF GENERATED TRANSACTIONS
PRINCIPAL DEBIT OUT
( 746 )
CO PRINCIPAL CREDIT IN
( 846 )
PRINCIPAL CREDIT OUT
( 845 )
CO PRINCIPAL DEBIT IN
( 803 )
FINANCE CHARGE CREDIT OUT ( 804 )
CO FINANCE CHARGE DEBIT IN
( 773 )
SERVICE CHARGE CREDIT OUT ( 806 )
CO SERVICE CHARGE DEBIT IN
( 774 )
OVERLIMIT FEE CREDIT OUT ( 808 )
CO OVERLIMIT FEE DEBIT IN
( 809 )
LATE CHARGE CREDIT OUT
( 810 )
CO LATE CHARGE DEBIT IN
( 821 )
INSURANCE CREDIT OUT
( 812 )
CO INSURANCE DEBIT IN
( 768 )
RECOVERY FEE CREDIT OUT
( 814 )
CO RECOVERY FEE DEBIT IN
( 813 )
COLLECTION CREDIT OUT
( 791 )
CO COLLECTION DEBIT IN
( 815 )
NSF FEE CREDIT OUT
( 818 )
CO NSF FEE DEBIT IN
( 817 )
ANNUAL FEE CREDIT OUT
( 820 )
CO ANNUAL FEE DEBIT IN
( 819 )
USER FEE 1 CREDIT OUT
( 822 )
CO USER FEE 1 DEBIT IN
( 828 )
( 823 )
( 829 )
( 824 )
( 830 )
( 825 )
( 832 )
( 826 )
( 833 )
( 827 )
( 834 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX09 Service Charge Code

Assignments - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (
)
ORGANIZATION
SERVICE CHARGE 1
SERVICE CHARGE 2
SERVICE CHARGE 3
SERVICE CHARGE 4
SERVICE CHARGE 5
SERVICE CHARGE 6
SERVICE CHARGE 7
SERVICE CHARGE 8
SERVICE CHARGE 9
SERVICE CHARGE 10
CASH ADVANCE FEE
PF1=ARMU

PAGE 09
04/24/2003
21:22:57
SERVICE CHARGE CODE ASSIGNMENTS
( 970 )
SERVICE CHARGE 1 REVERSAL
( 980 )
( 971 )
( 981 )
( 972 )
( 982 )
( 973 )
( 983 )
( 974 )
( 984 )
( 975 )
( 985 )
( 976 )
( 986 )
( 977 )
( 987 )
( 978 )
( 988 )
( 979 )
( 989 )
( 990 )
CASH ADVANCE FEE REVERSAL
( 991 )
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX17 Transfer and Plan Roll

Transactions - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 17
04/24/2003
21:24:13
ORGANIZATION
001 TRANSFER AND PLAN ROLL TRANSACTIONS

FIN CHGS ACCRUED CREDIT OUT ( 835 )
FIN CHGS ACCRUED DEBIT IN
FIN CHGS DEFERRED CREDIT OUT ( 837 )
FIN CHGS DEFERRED DEBIT IN
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
( 836 )
( 838 )
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:12
ARMX01 Plan Roll Transactions

Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

PAGE 18
04/24/2003
21:25:17
ORGANIZATION
001
PLAN ROLL TRANSACTIONS
PRINCIPAL XFR CREDIT IN
( 892 )
INTEREST ACCRUED OUT
( 734 )
INTEREST ACCRUED IN
( 864 )
DEFERRED INTEREST OUT
( 735 )
DEFERRED INTEREST IN
( 865 )
PLAN TRANSFER CREDIT OUT
( 736 )
PLAN TRANSFER DEBIT IN
( 866 )
PLAN TRANSFER DEBIT OUT
( 737 )
PLAN TRANSFER CREDIT IN
( 867 )
PARTIAL TRANSFER CREDIT OUT ( 738 )
PARTIAL TRANSFER DEBIT IN
( 868 )
PARTIAL TRANSFER DEBIT OUT
( 739 )
PARTIAL TRANSFER CREDIT IN
( 869 )
DEFERRED INSURANCE OUT
( 847 )
DEFERRED INSURANCE IN
( 848 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX19 Payments to Charged Off

Accounts - Generated
PROPRIETARY &
12/14/16 21:12

ARMX (

ORGANIZATION
PAGE 19
04/24/2003
21:26:18
001
PAYMENTS TO CHARGED-OFF ACCOUNTS
DIRECT
DIRECT
CREDIT
CREDIT
CR CHG-OFF IN-HOUSE
CR CHG-OFF AGENCY
CHG-OFF IN-HOUSE
CHG-OFF AGENCY
*****
( 526
( 537
( 509
( 517
TRAN CODES ***** LOGIC MODULE

) ( 000 ) ( 000 )
33
) ( 542 ) ( 000 )
33
) ( 513 ) ( 518 )
30
) ( 527 ) ( 000 )
30
PURCHASING CARD TRANSACTIONS

SPNDG LMT PREPAY
( 000 ) ( 000 ) ( 000 )
SPNDG LMT PREPAY REV
( 000 ) ( 000 ) ( 000 )
PF1=ARMU
PF2=ARMO
PF3=ARML
PF4=ARMG
04
03
PF5=ARMC
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:12
ARMX20 User Assigned Transaction

Codes
For each transaction defined, fields

required are:
1.
Transaction Code
2.
Logic Module
3.
Transaction Description
4.
Report Description
PROPRIETARY &
12/14/16 21:12

ARMX (

ORGANIZATION
001
U S E R
A S S I G N E D
TXN
001
002
G 003
G 004
005
010
011
020
021
022
023
024
025
096
097
LOGIC
( 99 )
( 99 )
03
04
( 99 )
( 96 )
( 96 )
( 97 )
( 98 )
( 97 )
( 98 )
( 80 )
( 79 )
( 99 )
( 99 )
PF1=ARMU
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
PAGE 20
T R A N S A C T I O N
*------------ DESCRIPTION -------------*

NOV 1995 OOB FIX
FIX FOR ZERO ACCOUNT #
DEBIT CARD OFFSET DEBIT
DEBIT CARD OFFSET CREDIT
INTERNAL DAILY COMPOUNDING
CASH DISPUTE
RETAIL DISPUTE
CASH DISPUTE RELEASE/CUSTOMER
CASH DISPUTE RELEASE/BANK
RETAIL DISPUTE RELEASE/CUSTOMER
RETAIL DISPUTE RELEASE/BANK
RELEASE DISPUTE/NO INTEREST
OPEN ITEM DISPUTE RELEASE
FOREIGN CURRENCY - MEMO
CONVERSION-DISPUTES
PF2=ARMO
PF3=*TOP*
PF4=*BOT*
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
04/24/2003
21:27:18
C O D E S
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
RPT DESCRIPTION
NOV95 OOB FIX )
FIX 0 ACCT#
)
DEBIT CARD DB )
DEBIT CARD CR )
PMT TO PLANS
)
CASH DISPUTE
)
RETAIL DISPUTE )
CSH DSP RE CUS )
CSH DSP RE BNK )
REL DISP/CUST )
REL DISP/BANK )
RELS DSP NO IN )
OID REL DISP
)
FRGN CURR MEMO )
CNVRSN DISPUTE )
PF5=*BWD*
PROPRIETARY &
PF6=*FWD*
12/14/16 21:12

ARMX (

ORGANIZATION
001
U S E R
A S S I G N E D
TXN
098
099
100
101
102
103
104
105
106
107
108
110
111
112
113
LOGIC
( 93 )
( 94 )
( 11 )
( 09 )
( 13 )
( 49 )
( 07 )
( 07 )
( 21 )
( 15 )
( 21 )
( 21 )
( 21 )
( 07 )
( 21 )
PF1=ARMU
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
PAGE 20
*------------ DESCRIPTION -------------*

AUTHORIZATION ADD
AUTHORIZATION REVERSAL
ANNUAL FEE
LATE FEE
OVERLIMIT FEE
NSF CHECK FEE
TRANSACTION FEE CASH
TRANSACTION FEE CHECK
MISCELLANEOUS FEE
INSURANCE PREMIUM
CUSTOM CARD FEE
RUSH PROCESSING FEE
CHECK BY PHONE FEE (ACH)
CREDIT LINE INCREASE FINANCE CHARGE
RE-INSTATEMENT FEE
PF2=ARMO
PF3=*TOP*
PF4=*BOT*
04/24/2003
21:28:14
C O D E S
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
RPT DESCRIPTION
AUTH ADD
)
AUTH REV
)
ANNUAL FEE
)
LATE FEE
)
OVERLIMIT FEE )
NSF CHECK FEE )
TRAN FEE CASH )
TRAN FEE CHECK )
MISC FEE
)
INS PREMIUM
)
CUST CRD FEE
)
RUSH FEE
)
CHCK BY PH FEE )
CR LMT INC FEE )
RE-INSTATE FEE )
PF5=*BWD*
PROPRIETARY &
PF6=*FWD*
12/14/16 21:12

ARMX (

ORGANIZATION
001
U S E R
A S S I G N E D
G
G
G
G
G
G
G
G
G
G
G
G
G
TXN
653
668
700
701
702
703
704
705
706
707
708
709
710
711
712
LOGIC
( 04 )
( 04 )
11
09
13
49
49
07
11
15
49
49
49
03
05
PF1=ARMU
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
PAGE 20
*------------ DESCRIPTION -------------*

BAD DEBT WRITE OFF
SOLD ACCOUNT
ANNUAL FEE ASSESSED
LATE CHARGE ASSESSMENT
OVERLIMIT CHARGE ASSESSMENT
NSF CHECK FEE
RETURNED PAYMENT FEE
SERVICE CHARGE ASSESSED
MONTHLY ASSESSMENT OF ANNUAL FEE
INSURANCE PREMIUM ASSESSED
INTEREST DEBIT ADJUSTMENT
PF2=ARMO
PF3=*TOP*
PF4=*BOT*
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
04/24/2003
21:29:37
C O D E S
(
(
(
(
(
(
(
(
(
(
(
(
(
(
(
RPT DESCRIPTION
BD WRITE OF RB )
SOLD ACCOUNT
)
ANN FEE ASSMNT )
LATE CG ASSMNT )
O-L CHG ASSMNT )
NSF CHG ASSMNT )
NSF FEE 2
)
SVC CHG ASSMNT )
MNTHLY ANNL FE )
IN PREM ASSMNT )
NSF FEE 3
)
NSF FEE 4
)
NSF FEE 5
)
PRIN DB ADJ
)
INT DB ADJ
)
PF5=*BWD*
PROPRIETARY &
PF6=*FWD*
12/14/16 21:12

ARMX (

ORGANIZATION
001
U S E R
A S S I G N E D
G
G
G
G
G
G
TXN
987
988
989
990
991
992
998
LOGIC
08
08
08
07
08
08
( 99 )
PF1=ARMU
(
(
(
(
(
(
(
PAGE 20
*------------ DESCRIPTION -------------*

CASH FEE FINANCE CHARGE REVERSAL
CASH ADVANCE FEE
CASH ADVANCE FEE REVERSAL
SERVICE CHARGE REVERSAL
IMPORTANT MESSAGES
********** END OF TRANSACTIONS *********
PF2=ARMO
PF3=*TOP*
PF4=*BOT*
)
)
)
)
)
)
)
04/24/2003
21:30:33
C O D E S
(
(
(
(
(
(
(
RPT DESCRIPTION
CSH FEE FC RV )
REV CASH FEE
)
REV CASH FEE
)
CSH ADV FEE
)
CSH ADV FEE RV )
SVC CHRG RVSL )
IMPT MSGS
)
PF5=*BWD*
PROPRIETARY &
PF6=*FWD*
12/14/16 21:12

CMS Base II - Plan Master and Monetary Transaction Control

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CMS Base II - Plan Master and Monetary Transaction Control

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Kanbay Incorporated

2004 Kanbay Incorporated - All rights reserved

Credit Plan Master

Credit Plan Master . . .

Secondary record defined at the Organization level

Accounts & Plan Segments . . .

Each plan can have its

Each account can have

Plan Masters & Segments . . .

All sale transactions must enter CMS with

If no existing plan - CMS generates one

If plan exists - CMS adds sale to existing

If plan exists but CPM indicates no

Credit Plan Master File - AMCP

The AMCP file contains the processing

The key for the AMCP file consists of:

The plan type field in AMCP is used to

Credit Plan Master File - AMCP

AMCP-PLAN-TYPE value of A corresponds

AMCP-PLAN-TYPE value of B corresponds

AMCP-PLAN-TYPE value of C corresponds

AMCP-PLAN-TYPE value of D corresponds

Credit Plan Master File - AMCP

AMCP-PLAN-TYPE value of K corresponds

AMCP-PLAN-TYPE value of R corresponds

AMCP-PLAN-TYPE value of T corresponds

AMCP-PLAN-TYPE value of L corresponds

Plan Master - ARMC

WHIRL DEVELOPMENT LCM1

Plan Master ARMC01

Multiple Sales Flag: Code indicating if a

Plan ID: User Defined number for the

Plan Master ARMC01

User Code: User defined codes for

Payment Options: The fields under

Plan Master ARMC01

WHIRL DEVELOPMENT LCM1

Plan Master Repayment Table

Plan Master ARMC02 Repayment Table

WHIRL DEVELOPMENT LCM1

PER ITEM NOD

Plan Master ARMC04 Store Numbers

The Include/Exclude flag is used to indicate

Plan Master ARMC04 Store Numbers

WHIRL DEVELOPMENT LCM1

Plan Master ARMC05

Plan Master ARMC05

WHIRL DEVELOPMENT LCM1

EXCEPTION SKU NUMBERS

Plan Master ARMC06

Up to six insurance products to include or

Plan priority levels that determine the priority

Amortization tables for Principal, Interest,

Plan Master ARMC06

WHIRL DEVELOPMENT LCM1

ACT RECAP CONTROL

BILL FEE IND:

Plan Master ARMC07

Plan Master ARMC07

WHIRL DEVELOPMENT LCM1

Secondary record defined at the Organization level

Logic Modules and Monetary Transactions . . .

Transaction Codes are not directly defined

Monetary Transaction Control File - AMMC

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

USER DEFINED TITLE

------------ DESCRIPTION -------------

USER DEFINED TITLE

------------ DESCRIPTION -------------

USER DEFINED TITLE

------------ DESCRIPTION -------------

USER DEFINED TITLE