EQUATION

ACCOUNT CLOSING
K381

ENHANCEMENT
NOTES
EK381342.DOC

All rights reserved. No part of this document may be transmitted, reproduced or stored in any retrieval
system of any nature in any form or by any means whether digital, electronic, mechanical or
otherwise, without the prior written permission of Misys International Banking Systems Ltd, to which
application for such permission should be addressed.
Issued: 2002

Document ID/Version: EK381342.DOC/2

This manual applies to version 3.6 of Equation and all subsequent versions and modification levels
unless otherwise indicated in new editions.
This document may not reflect the total system capability at any particular time. It is also possible that
this document may contain references to facilities that are not available on your computer system.
Such references must not be construed to mean that these facilities will necessarily be made available
on all types of computer system or in all locations.
This publication may be subject to modification and may contain technical inaccuracies or
typographical errors.
This document may contain examples of data and reports used in normal banking operations. To
illustrate them as completely as possible, the examples include the names of individuals, companies
and banks. Apart from some genuine bank names these names are fictitious and any similarity to the
names and addresses of any individuals or companies is coincidental. None of the deals or
transactions shown relate to real deals which these or other banks may have transacted.
To enable later editions of this manual to provide improved information we welcome your views.
Please address your comments to your local Misys International Banking Systems Ltd office.
Copyright Misys International Banking Systems Ltd, 2002

Contents

Contents.................................................................................................................................................. i
Chapter 1
Introduction............................................................................................................................................ 1
Overview................................................................................................................................... 1
Chapter 2
Closing an Account................................................................................................................................ 3
Add/Maintain A/c Closure User Codes (MAU)...........................................................................4
Close Customer Account (CLA)................................................................................................ 6
Upon Closure............................................................................................................. 15
Account Closure Confirmation................................................................................................. 16
Available Fields.......................................................................................................... 16
Print Account Closure Confirmation (58C)..................................................................18
Reprint Account Closure Confirmation (59C).............................................................18
Accounting Entries Generated................................................................................................. 18
Appendix
User Exit Program I34CXX................................................................................................................... 19
Using the Program.................................................................................................................. 19
Entry Parameters.................................................................................................................... 19
DSEXIT Data Structure........................................................................................................... 20
Using I34CXX to Change Data................................................................................................ 21
Using I34CXX to Validate Data............................................................................................... 21
Using I34CXX to Add Non-closure Conditions........................................................................22
Adding USM Messages........................................................................................................... 22
Index.................................................................................................................................................... 23

Equation Account Closing

2002

Chapter 1
Introduction

This enhancement enables your bank to close customer movement accounts during
business hours.

Overview
This enhancement provides your bank with a greater level of control when closing
customer movement accounts. It can be used during business hours, to close any
customer movement account - that is, a customer account of structure M.
It enables your bank to:

Set up bank-defined user codes that must be checked when closing an account

Define which user special conditions must be checked when closing an account

View all pertinent information (including bank-defined user codes and user special
conditions) before closing the account

Automatically post final accounting entries and close the account, by setting on a
special condition

Determine how charges will be calculated upon closure of an account

The following documents can be generated when the account is closed:

A closing statement of account

A new Account Closure Confirmation customer document

If a certificate of tax deducted is required for a closed account, you must produce it
separately on the business day after the account is closed to ensure that all interest and
tax has been posted, and arrange for it to be sent to the customer. See the Account
Services User Guide for details of producing the certificate of tax deducted.
The following new Control System Tailoring (CST) option is released with this
enhancement.
0352

EOD
A/C
CLOSING
CONFIRMATION
Responses:
YES
Any
account closure confirmations which were
produced today, but which have not been
printed manually during the day using the
Print Account Closure Confirmation (58C)
option, are printed automatically at end of
day. This is the default.
NO
Account closure confirmations are
not printed automatically at end of day.

To maintain control system tailoring options, select KMENU1 option 3. See the Operating
Guide for the use of this option.

Equation Account Closing

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Chapter 2
Closing an Account

This section describes how this enhancement operates and the new functions that it
provides.
You can use the Add/Maintain A/c Closure User Codes (MAU) option to specify which
existing user codes and user-defined special conditions are to be checked and dealt with
when a customer movement account is closed. Any of user codes C1-C5 and P1-P5 and
any user-defined special conditions can be specified. Use this function also to view what
codes and special conditions are currently specified.

C1-C5 are bank-defined two-character user codes, and P1-P5 are bank-defined threecharacter user codes. See the Planning and Tailoring Guide for the use of these codes.
They are assigned to an account using the Maintain Customer Account Other Details
(MAO) function, which is described in the Data Management User Guide.
Special condition numbers SC080 to SC087, SC090 to SC097 and SC160 to SC167 are
reserved for user-defined special conditions. See the Data Management User Guide for
details.
For example, these user codes and user-defined special conditions could be used to check
whether the customer has any of the following:

A credit card from the bank

A debit card from the bank
A safety deposit box
Items held in safe custody

The Close Customer Account (CLA) function is used to close a customer movement
account. Whenever it is used, it checks to see whether any of user codes C1-C5, P1-P5 or
any user-defined special conditions are held on the account and match the entries
specified using the Add/Maintain A/c Closure User Codes function. If there are any such
matches, they will be listed and a corresponding warning message may be shown. You
cannot close the account until all such conditions have been dealt with or overridden. The
function will also list any other relevant information that may need reviewing before the
account can be closed.
The Close Customer Account function can call a bank-written user validation program
I34CXX when validating whether the account can be closed. See the Appendix on page 19
for further details of this user exit.

Equation Account Closing

2002

Add/Maintain A/c Closure User Codes (MAU)

This option allows you to specify user codes and/or user-defined special conditions which
are to be highlighted when the Close Customer Account function is used to close a
customer account. When you select this option, the screen shown in the following
illustration is displayed.
I33MMR E3A MAINT

Add/Maintain A/c Closure User Codes

C1
C2
C3
C4
C5

user
user
user
user
user

code
code
code
code
code

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AA
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L1
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NK

AB
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LD
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BB
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P1
P2
P3
P4
P5

user
user
user
user
user

code
code
code
code
code

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024
001
001
040
760

075
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Special conditions . . . . .

080

081

160

___

___

F1=Help

F3=Exit

F4=Prompt

F5=Verify

04 JAN 2006

F12=Previous

This screen displays existing user codes and special conditions set up against the account.
You can add to the list or overtype or delete (by blanking out) existing entries. Any special
conditions must be in the range SC080-SC097 or SC160-SC167.

Equation Account Closing

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Closing an Account
If you prompt on any of the Special conditions fields, the Special Conditions prompt
screen is displayed, as shown in the illustration on the following page.
D7R01R E3A PROMPT

Special Conditions

04 JAN 2006

SC No.
*

Description
*

080
081
082
160
161
162

EMPLOYEE ACCOUNT
REFER CHANGES TO MANAGER
REFER CHANGES TO HEAD OFFICE
SAFE DEPOSIT BOX EXISTS
BANK-ISSUED CREDIT CARD HELD
DEBIT CARD HELD

F1=Help

F3=Exit prompting

F7=Backward

F12=Cancel

1=Select

This displays a list of all available user-defined account special conditions, from which you
can select a special condition to be checked when an account is closed. To do so, type 1
next to the condition and press Enter. You are returned to the Add/Maintain A/c Closure
User Codes (MAU) screen with the number of the selected special condition displayed in
the Special conditions field.
You can only select one special condition at a time.

Equation Account Closing

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Closing an Account

Close Customer Account (CLA)

You can use this option to close an account during business hours. This function enables
you to view relevant information about the account before closing it. You are informed if
any of following conditions exist that might prevent the account being closed:

Any system-related conditions

Any of the bank-specified account validation conditions defined using the
Add/Maintain A/c Closure User Codes (MAU) function

If any such conditions do exist, you must deal with them before the account can be closed.
If no such conditions exist, the account is closed and final accounting entries required to
settle the account are posted automatically.
You can request that the following customer documents be produced, if required

A final statement of account

An Account Closure Confirmation

When you select this option, the Close Customer Account initial screen is displayed, as
shown in the following illustration.
I34CMR E3A DELETE
Account number

Close Customer Account

04 JAN 2006

. . . . . 0132 012008 809

or
Customer

. . . . . . . .

Account suffix
Branch

. . . . .

. . . . . . . . .

Funding/Receiving A/c . .

______ ___
___
____

(Leave blank for default)

___ ______ ___

Dr transaction code . . . ___

Cr transaction code . . . ___
Statement required . . . Y
Y,N
Confirmation required . . Y
Y,N
Charge . . . . . . . . . __ _______________
Recalculate charges . . . Y
Y,N
F1=Help F3=Exit F4=Prompt F5=Verify F12=Previous

If the account has the Charges Apply special condition SC171 set on and charges are
awaiting posting, the screen is re-displayed with all fields protected and the Recalculate
charges field is present.
Account number

This is optional. If blank, the account number will be derived from

the entries for Customer, Account suffix and Branch.
The account must be of structure M. It must not already be closed
or closing, and must not be one of the following:

Internal account
Repayment Control account
Term account
Exchange account
Interest Rate Swap account
Forward Rate Agreement account
Marketable Securities account
Swap account

Accounts of these types must be closed by using the Customer

Equation Account Closing

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Closing an Account
Account Special Conditions (ASC) function to set on the Account
Closing special condition (SC030). See the Data Management
User Guide for this function.
Customer

Use this field to identify the customer to whom the account to be

closed belongs. The field must be blank if the Account number is
entered.

Account suffix

This is optional. Must be blank if the Account number is entered.

Must be entered if Customer is entered.

Branch

This is optional. Must be blank if the Account number is entered. If

left blank, this will default to the users default branch.

Funding/Receiving
A/c

This is the account:

Into which a positive final balance of the closed account will be
paid
From which a negative final balance of the closed account will
be recouped
This account must not be the account which is being closed, and
must not be inactive, blocked or closed. It may be another
customer account. It may alternatively be an internal suspense
account, for example if the customer is settling a negative final
balance with cash, or is receiving a positive final balance as a
cheque. You can prompt on this field to see a list of valid accounts.

Dr transaction code

The transaction code used on debit accounting entries generated

on closure of the account.

Cr transaction code

The transaction code used on credit accounting entries generated

on closure of the account.

Statement required

Y A closing statement will be automatically produced. This is the

default
N No closing statement will be produced

Confirmation

Y A closure confirmation will be automatically produced. This is

the default
N No closure confirmation will be produced

Charge

These are optional. If either field is used, an existing charge code

and a charge amount must both be entered
The charge code identifies the charge code parameters that will be
used to make postings to the customers account and to the banks
profit and loss accounts.

Recalculate charges

This field is displayed if the account has the Charges Apply special
condition (SC171) set on and charges are awaiting posting. If you
set this to Y, Equation will first issue a warning message and then,
if this warning message is overridden, discard any charges awaiting
processing and recalculate charges to date.
If you set this to N, then the charges awaiting posting will be used
instead.

Equation Account Closing

2002

Closing an Account
Press Enter and the following detail screen will be displayed.
I34CMR E3A DELETE

Close Customer Account

04 JAN 2006

Account 0132-012008-809 Barraclough J

Account type CA Current Account
MR J BARRACLOUGH
379 HARBOUR LANE
POOLE
DORSET PL15 2BD
_
_

_
_
_

Balance
Net credit interest
Net debit interest
Clearing today
04JAN06
Clearing NBD
05JAN06
Clearing after
05JAN06
Local cheques
Non-accrual interest, penalty
Charges to-date
Reserved balance
Closing balance

F1=Help

F3=Exit

Net credit interest

F5=Refresh

F12=Previous

A/c Ccy GBP

Amount
0.00
0.00
0.00
3,995.00
50.00200.00
0.00
0.00
0.00
0.00
4,145.00
1=Select

The net credit interest on the account. This is automatically

calculated as the sum of credit interest accrued and credit interest
adjusted, minus tax on interest
If you select this item, the Maintain Customer Account Interest
(MIC) function is displayed, enabling you to maintain the interest
amount. See the Data Management User Guide for details of this
function
This enables you to change the credit interest payable, for
example where it is local practice to waive credit interest on
closing accounts or to impose a penalty
This is only displayed if the account is interest-bearing and the
Calculate Credit Interest special condition (SC016) is set on for
the account

Net debit interest

The net debit interest on the account. This is automatically

calculated as the sum of debit interest accrued and debit interest
adjusted
If you select this item, the Maintain Customer Account Interest
(MIC) function is displayed, enabling you to maintain the interest
amount. See the Data Management User Guide for details of this
function
This enables you to change the debit interest payable, for
example where it is local practice to waive debit interest on
closing accounts or to impose a penalty
This is only displayed if the account is interest-bearing and the
Calculate Debit Interest special condition (SC015) is set on for the
account

Charges to-date

The net charges due to date on this account. This is automatically

calculated as the sum of total charges and tax on charges. It is
only displayed if the Account Services application is installed
This enables you to change the net amount of charges payable,
either to waive charges or to impose further charges
If you select this item, the Maintain Account Service Charges
(MSE) function is displayed, enabling you to maintain the amount.

Equation Account Closing

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Closing an Account
See the Account Services User Guide for details of this function
Non-accrual
interest, penalty

Any non-accrual interest or penalty due to date on this account.

This field is displayed only if the Movement Account Delinquency
enhancement is installed.
If you select this item, the Add Non-accrual Adjustment (ANA)
function is displayed, enabling you to maintain the non-accrual
amount. See the Movement Account Delinquency K380
Enhancement Notes for details of this function.

Reserved balance

Any reserved balance defined for the account.

If you select this item, the Maintain/Delete Account Holds (MAH)
function is displayed, enabling you to maintain the reserved
balance amount. See the Account Services User Guide for details
of this function.

Closing balance

The closing balance of the account is automatically calculated as

the sum of:

Equation Account Closing

2002

Balance at close of business

Net credit interest
Net debit interest
Net charges due to date
Account closure charge
Amount clearing today
Amount clearing next business day
Amount clearing after next business day

Closing an Account
When you press Enter, if no conditions exist that prevent the account from being closed,
then it is closed. However, if any account closure validation conditions exist for the
account, the following second detail screen is displayed.
I34CMR E3A DELETE

Close Customer Account

04 JAN 2006

Account 0132-012008-809 Barclays Bank L External a/c

Account type CA Current Account
A/c Ccy GBP
?
_
_
_
_
_
_
_
_
_
_
_
_
_

Non closure condition

AA Credit rating
User code 2 val 1
071 Stopped Cheques Held
107 Real-Time Balance Order Held
160 Safe deposit box exists
173 Balance Order Held
Cheque books issued but not all presented
Cheque books ordered but not issued
Account is subject of a reservation
Account is subject of a customer borrowing
Account is subject of a country borrowing
Account is a nominated interest account
Account is part of posting rule

F1=Help
KSM5654

F3=Exit

F5=Refresh

User code

F7=Backward

100000

CP POSTING01

F8=Forward

101

F12=Previous 1=Select
F24=Override

AA held for account closure.

Only the conditions that currently apply to the account are displayed. Error conditions are
displayed in bold text, warning conditions in normal text. You can select each condition in
turn. When you do so, the appropriate function is displayed to enable you to deal with that
condition.
Calling the bank-written user validation program I34CXX may affect the behaviour of this
screen. It may prevent error messages and/or warning messages from being displayed.
See the Appendix on page 19 for full details of using this program.
Once all account closure validation error conditions have been removed, and any warnings
overridden, pressing Enter on the first detail screen will close the account.
Any special conditions that prevent the account being closed are listed. When you select
one of these, the Customer Account Special Conditions (ASC) screen is displayed for you
to set the special condition off, except in the following cases.
014 Deceased or in
Liquidation

A warning message is displayed, which you can override by

pressing F24=Override.

020 Inactive Account

A warning message is displayed, which you can override by

pressing F24=Override. If you do not do so, the Customer
Account Special Conditions (ASC) screen is displayed for you
to set the special condition off.

071 Stopped
Cheques Held

A warning message is displayed, which you can override by

pressing F24=Override.

071 Stopped
Cheques Held

If the Cancel Stop Order on Account Closing system option is

set to YES, a warning message is displayed, which you can
override by pressing F24=Override.
If the Cancel Stop Order on Account Closing system option is
set to YES, you are given the option of opening the Cancel
Stop Order (CST) function to remove the stop order.

107 Real-Time
Balance Order Held

The Cancel Balance Order (CBO) screen is displayed for you

to cancel the balance order.

150 Passbook
Account

A warning message is displayed, which you can override by

pressing F24=Override.

173 Balance Order

10

Equation Account Closing

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Closing an Account
The Cancel Balance Order (CBO) screen is displayed for you
to cancel the end-of-day balance order.

Held
174 Diary Notes Held

The Cancel Diary Note (CDN) screen is displayed for you to

cancel the diary note.

175 Subject Of A
Balance Order

The Maintain Balance Order (MBO) screen is displayed for

you to delete the account as a funding or receiving account for
the balance order.

Any of the special conditions specified using the Add/Maintain A/c Closure User Codes
function are displayed if they apply to this account. If you select one of these special
conditions, the Customer Account Special Conditions (ASC) screen is displayed.
Refer to the Data Management User Guide for details of the Customer Account Special
Conditions function.
Cheque books
issued but not all
cheques presented

This is displayed if the Extended Cheque Processing application

is installed, and a cheque book has been issued on the account
but not all its cheques have been presented. If you select this
item, the Cheque Book Status Review (CBS) function is
displayed.
See the Extended Cheque Processing User Guide for details of
the Cheque Book Status Review function.

Cheque books
ordered but not
issued

This is displayed if the Extended Cheque Processing application

is installed, and a cheque book has been ordered for the account
but not yet issued. If you select this item, the Delete Cheque
Book Request (CBD) function is displayed.
See the Extended Cheque Processing User Guide for details of
the Delete Cheque Book Request function.

Joint account
relationships exist

This is displayed if the Customer And Account Relationships

enhancement is installed and account relationships exist for this
account. If you select this item, the Add/Maintain Joint Account
Relationships (JAR) function is displayed for you to delete the
relationship.
Refer to the Business Management User Guide for details of the
Add/Maintain Joint Account Relationships function.

Account is a
member of a group

This is displayed if the Combined Balance Interest enhancement

is installed and the account is a member of a group. If you select
this item, the Define Combined Account Group (DCB) function is
displayed for you to remove the account from the group.
Refer to the Account Services User Guide for details of the
Define Combined Account Group function.

Account is subject
of a guarantee

This is displayed if the Credit Risk Management application is

installed and the account is the subject of a guarantee. If you
select this item, the Add/Maintain Guarantee Details (AGD)
function is displayed for you to delete the guarantee.
See the Credit Risk Management User Guide for details of the
Add/Maintain Guarantee Details function.

Account is subject
of a reservation

This is displayed if the Credit Risk Management application is

installed and the account is the subject of a limit reservation. If
you select this item, the Add/Maintain Limit Reservations (ALR)
function is displayed for you to delete the limit reservation.
See the Credit Risk Management User Guide for details of the

Equation Account Closing

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11

Closing an Account
Add/Maintain Limit Reservations function.
Account is subject
of a customer
borrowing

This is displayed if the Credit Risk Management application is

installed and the account is the subject of a customer borrowing.
If you select this item, the Borrow Customer Limits (BCU) function
is displayed for you to delete the customer borrowing.
See the Credit Risk Management User Guide for details of the
Borrow Customer Limits function.

Account is subject
of a country
borrowing

This is displayed if the Credit Risk Management application is

installed and the account is the subject of a country borrowing. If
you select this item, the Borrow Country Limits (BCN) function is
displayed for you to delete the country borrowing.
See the Credit Risk Management User Guide for details of the
Borrow Country Limits function.

Account is a
nominated interest
account

This is displayed if the account is a nominated interest account. If

you select this item, the Maintain Account Basic Details (MAB)
function is displayed for the nominating account. This enables you
to delete the nomination of the account being closed.
See the Data Management User Guide for details of the Maintain
Account Basic Details function.

The Cashier
System branch for
the customer is
off-line

This field is displayed if the Cashier System is installed and the

customers branch is currently off-line. You can override this
condition by pressing F24=Override.

Account is part of
posting rule

This field is displayed if the Clean Payments application is

installed, and the account is used in a posting rule. The posting
set identifier and rule number are displayed. If you select this
item, the Add/Maintain Posting Set (DPS) function is displayed for
you to amend or delete the posting rule.
See the Clean Payments Configuration Guide for details of the
Add/Maintain Posting Set function.

Account is part of
charge rule

This field is displayed if the Clean Payments application is

installed, and the account is used in a charge rule. The charge set
identifier and rule number are displayed. If you select this item,
the Add/Maintain Charge Set (DCH) function is displayed for you
to amend or delete the charge rule.
See the Clean Payments Configuration Guide for details of the
Add/Maintain Charge Set function.

Account is part of
hold rule

This field is displayed if the Clean Payments application is

installed, and the account is used in a hold rule. The hold set
identifier and rule number are displayed. If you select this item,
the Add/Maintain Hold Set (DHS) function is displayed for you to
amend or delete the hold rule.
See the Clean Payments Configuration Guide for details of the
Add/Maintain Hold Set function.

Account has Clean

Payment
settlements

This field is displayed if the Clean Payments application is

installed, and the account is specified in the settlement
instructions defined in a Clean Payments template. If you select
this item, the Add/Maintain Clean Payment Template (CPT)
function is displayed for you to amend or delete the template.
See the Clean Payments Configuration Guide for details of the

12

Equation Account Closing

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Closing an Account
Add/Maintain Clean Payment Template function.
Uncleared items
exist

This field is displayed if any items clearing after today exist. If so,
a warning message is displayed, which you can override by
pressing F24=Override.

Account has
outstanding future
movements

This field is displayed if the account has any future movements

outstanding. Depending on the type of movement, if you select
this item one of the following functions will be displayed:
Deal Settlement Maintenance (DSI) for a foreign exchange
deal, money market deposit or loan, option deal, or for a
commercial loan. See the Foreign Exchange & Money Market
User Guide and the Commercial Lending User Guide for
details of this function
Maintain Retail Loan (RLM) for a retail loan. See the Retail
Lending User Guide for details of this function

Account used as
MS document
account

This field is displayed if the account is used as a Marketable

Securities document account. If you select this item one of the
following functions will be displayed
Maintain Security Deal Instructions (RIT) for settlement details
of a Marketable Securities deal. See the Marketable Securities
User Guide for details of this function
Maintain Security Instructions (MIS) for maturity instructions
for a Marketable Securities deal. See the Marketable
Securities User Guide for details of this function

Account used as
MS issuer account

This field is displayed if the account is used as a Marketable

Securities issuer account. If you select this item, the Maintain
Security (MSA) function will be displayed for you to amend or
delete the account used. See the Marketable Securities System
Tailoring Guide for details of this function.

Account used as
counterparty
account

This field is displayed if the account is the counterparty account of

a Marketable Securities deal. If you select this item, the Maintain
Security Deal (MTA) function will be displayed for you to amend
or delete the account used. See the Marketable Securities User
Guide for details of this function.

Direct debit
mandates exist

This field is displayed if direct debit mandates exist for the

account. If you select this item, the Add/Maintain Direct Debit
Mandates (AMD) function will be displayed for you to cancel the
mandate. See the Direct Debit Authorities K399 Enhancement
Notes for details of this function.

Cn rating

If one of the C1-C5 values for the account corresponds to one of

the values defined using the Add/Maintain A/c Closure User
Codes function, the bank-defined text for that value is read from
the Parameter File and displayed here. See the earlier section
Add/Maintain A/c Closure User Codes - MAU on page 4 for
details.
If you select this item, the Maintain Customer Account Other
Details (MAO) function is displayed for you to amend the C1-5
values for the account. Refer to the Data Management User
Guide for details of this function. Alternatively, you can override
this condition by pressing F24=Override.

Pn rating

Equation Account Closing

If one of the P1-P5 values for the account corresponds to one of

the values defined using the Add/Maintain A/c Closure User
Codes function, the bank-defined text for that value is read from
the Parameter File and displayed here. See the earlier section
2002

13

Closing an Account
Add/Maintain A/c Closure User Codes - MAU on page 4 for
details.
If you select this item, the Maintain Customer Account Other
Details (MAO) function is displayed for you to amend the P1-5
values for the account. Refer to the Data Management User
Guide for details of this function. Alternatively, you can override
this condition by pressing F24=Override.

14

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Closing an Account

Upon Closure
If no errors are detected and any warnings generated have been overridden:

The relevant postings will be made to set the closing balance of the account to zero.
See the later section Accounting Entries Generated on page 18 for details

The Account Closing special condition (SC030) will be set on for the account

If a statement is required, a statement request will be automatically generated

If an Account Closure Confirmation is required, an account closure confirmation

request will be automatically generated

The Charges Apply special condition (SC171) will be set off, preventing any further
charges from being calculated for the account during overnight processing

Equation Account Closing

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15

Closing an Account

Account Closure Confirmation

The Account Closure Confirmation enables your bank to issue the customer with a
document detailing the closing balance details of the account.
Account Closure Confirmations may be produced progressively throughout the day, or as
part of the end of day processing for all the days transactions. The days confirmations can
also be reprinted at end of day.

Available Fields
The Account Closure Confirmation has a single user-definable multi-language format.
All the database fields defined in the following selection records are available for printing
on a Account Closure Confirmation:

Account selection record

Customer selection record

Branch selection record

Account closure selection record

See the Report Tailoring Guide for further details of available selection records.
The following illustration shows an example of an Account Closure Confirmation, in the
sample layout supplied.

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Closing an Account
A C C O U N T
57-58 RUSSELL SQUARE
LONDON
WC1B 4HB

C L O S U R E

C O N F I R M A T I O N
Date - 04JAN06

Account type - CURRENT ACCOUNT

Currency - POUNDS STERLING
Account no - 1300-123456-003

To - North Sea Oil PLC

220 Princes Street
Edinburgh
EH2 2CV

Your account with us was closed today with the following balance
Balance
Net CR interest
Net DR interest

1,000,000.00
100,000.00
0.00

Clearing today 04JAN06

Local cheque
Clearing NBD
05JAN06
Clearing after 05JAN06

250,000.00
0.00
250.00
0.00

Charges due to date

Reserved balance

25.00 0.00

Closing balance

1,350,225.00

Yours faithfully
KELTIC CITY BRANCH

------------------------------

Authorised signature

Equation Account Closing

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17

Closing an Account

Print Account Closure Confirmation (58C)

An Account Closure Confirmation is produced on the day that a customer movement
account is closed, if the Confirmation field on the Close Customer Account initial screen is
set to Y.
These confirmations can be printed during the day using the option Print Account Closure
Confirmation (58C). If Control System Tailoring option 0352, EOD A/C Closing
Confirmation, is set to YES, any confirmations that were not printed during the day are
automatically printed at end of day.

Reprint Account Closure Confirmation (59C)

You can request a reprint of Account Closure Confirmations by selecting the Reprint
Account Closure Confirmation (59C) option. This reprints all confirmations produced that
day. They are printed at end of day along with automatically produced confirmations.

Accounting Entries Generated

The following accounting entries are generated when an account is closed.
If the closing balance is zero, no postings will be made (unless required for interest or
charges, as described below).
If the resulting closing balance is positive:

A debit transaction will be posted to the customer account using the debit transaction
code that was specified on the Close Customer Account function detail screen

A credit transaction will be posted to the receiving account using the credit transaction
code that was specified on the Close Customer Account function detail screen

If the resulting closing balance is negative

A credit transaction will be posted to the customer account using the credit transaction
code that was specified on the Close Customer Account function detail screen

A debit transaction will be posted to the funding account using the debit transaction
code that was specified on the Close Customer Account function detail screen

If debit or credit interest has been accrued but not yet posted, the interest and tax amounts
will be posted using the accounts current interest characteristics, during the end of day
processing for the day in which the account is closed.
If account service charges are outstanding, the charge amount and tax will be posted to
the account according to the charge structure in place during the end of day processing for
the day in which the account is closed.

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Appendix
User Exit Program I34CXX

This appendix describes the user exit program I34CXX. A bank-written program of this
name can be called to enable the Close Customer Account (CLA) function to default
details on the initial screen, and to validate whether the account can be closed by checking
additional non-closure criteria, issuing additional error or warning messages if required.

Using the Program

This bank-written program allows your bank to:

Set default values for fields on the initial screen of the Close Customer Account
function. This could include default values for the account to be closed (in Equation or
external format) or the customer-suffix-branch combination, the funding or receiving
account (in Equation or external format), the DR and CR transaction codes, whether
statements or confirmations are required, and the charge code and amount. Fields
can be populated using the DSEXIT structure, which has sublocations for each field

Validate fields on the initial screen of the Close Customer Account function. The user
can interrogate screen data and generate messages

Define additional non-closure conditions to be displayed on the second detail screen

of the Close Customer Account function. Conditions with a severity of 0 or 10 are
treated as warnings and can be overridden; conditions with a severity of 20 or above
are treated as errors and cannot be overridden

Entry Parameters
The program I34CXX must be created with a calling parameter list as set out in the
following table.
Field name

Type

Length

@XFCT

@XPRMPT

@SCRN

@XMODE

DSEXIT

Equation Account Closing

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2002

Description

Values

Program mode
(Input)

Dummy call

Add mode

Maintain mode

Delete/cancel mode

Called in prompt mode

Called not in prompt

mode

Screen number
(Input)

1, 3

Current screen number

Processing mode
(Input)

Data defaulting/
changing mode

Data validating mode

Prompt flag (Input)

Data structure
(Input/Returned)

Input-capable screen fields

19

Program mode @XFCT will always be D, since the program is used only when cancelling
an account. A dummy call is made to invoke the user exit program; thus further processing
is not needed if I34CXX is called when @XFCT is I.
The prompt flag specifies whether I34CXX is called in prompt mode or not.
The screen number specifies the current screen of the Close Customer Account (CLA)
function being processed. Only the initial screen (1) and the second detail screen (3) are
relevant for user exit processing.
Processing mode specifies whether the user exit program is being called to default/change
data, or to validate data.

DSEXIT Data Structure

The DSEXIT data structure within the program must have the following structure. It is
divided into specific sublocations for each field that can be affected by the program.
Field Name

Description

DSEXIT
AB1
EAN1
AN1
AS1
CUS
CLC
AS
BRNM
AB2
EAN2

User exit data

Account branch to be closed
External account number to be closed
Account number to be closed
Account suffix to be closed
Customer name
Customer location
Suffix
Branch
Account branch, funding/receiving
External account number,
funding/receiving
Account number, funding/receiving
Account suffix, funding/receiving
DR transaction code
CR transaction code
Statement required flag
Confirmation required flag
Charge code
Charge amount
Function key F17 flag for closing
account
Function key F17 flag for funding
account
General account branch
General account number
General account suffix
General external account
Currency mnemonic

AN2
AS2
DRT
CRT
PRTS
CONR
CCD
CAMZ
F171
F172
KAB
KAN
KAS
KEAN
CCY

Ind

Type

From

To

01
01
01
01
02
02
03
04
05
05

I
I
I
I
I
I
I
I
I
I

1
1
5
25
31
34
40
43
46
50
54

4000
4
24
30
33
39
42
45
49
53
73

05
05
06
07
08
09
10
11

I
I
I
I
I
I
I
I
H

74
80
83
86
89
90
91
93
124

79
82
85
88
89
90
92
107
124

125

125

H
H
H
H
H

400
404
410
413
675

403
409
412
432
677

Ind identifies the corresponding indicators for message processing.

Type is the field type, as follows:
I
O
H

Input
Output
Hidden

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User Exit Program I34CXX

Using I34CXX to Change Data

If I34CXX is to be used to default or to change data on the initial screen of the Close
Customer Account (CLA) function, it must be called with:

@XMODE set to D
@XSCRN set to 1

In these circumstances the program is used to populate the data fields as specified in the
sublocations of DSEXIT with the required data. All input-capable fields on the affected
screen are overwritten with data from the user exit program.
Once the key fields have been displayed and processed, the key data is preserved and
cannot be changed. If it is necessary to default any of the key fields, the program must
check first that the key fields are blank, otherwise the data which the user exit program
inserts into these fields will override any attempt by the user to key in data. The user exit
program should never blank out these key fields itself.
The key data for the Close Customer Account (CLA) function are as follows:

Equation or external account number

AB1-AN1-AS1 (if F171 = N)

EAN1 (if F171 = Y)

Or the Customer-suffix-branch combination

CUS, CLC-AS-BRNM

Note that the Equation/external account number of the account to be closed and the
Customer-suffix-branch combination are mutually exclusive, so the user exit program must
be coded to handle only one of these.
Note also that if the user exit program is used to default, change, or override an account
number field (either the account to be closed or the funding/receiving account), the
program should check for the F171 flag (for the closing account) or F172 flag (for the
funding/receiving account). These are set to Y if external account format is to be used, and
to N if Equation format is to be used. Alternatively, the user exit program may provide both
Equation and external format account numbers if the F171 or F172 flags are not checked.
If the program is used to default or change the charge amount (CAMZ), the program must
blank out the charge amount variable in the CAMZ sublocation of DSEXIT before filling in
the new value. Numeric values, with or without integer separators and decimal sign, and
abbreviated amounts are valid inputs for this field.

Using I34CXX to Validate Data

If I34CXX is to be used to validate data on the initial screen of the Close Customer
Account (CLA) function, it must be called with:

@XMODE set to V
@XSCRN set to 1

In these circumstances the program is used to perform validation and sending of

messages with corresponding field indicators to the Equation Account Closing program. If
the user validation is required to be account based, the program should use the general
Equation account field KAB-KAN-KAS.
The user exit program can either issue Equation KSM messages or new USM messages.
See the section Adding USM Messages on page 22 for details of USM messages.

Equation Account Closing

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21

User Exit Program I34CXX

Using I34CXX to Add Non-closure Conditions

If I34CXX is to be used to add non-closure conditions to the third (second detail) screen of
the Close Customer Account (CLA) function, it must be called with:

@XMODE set to V
@XSCRN set to 3

In these circumstances the program is used to check user-defined non-closure conditions

and send these as messages to the Equation Account Closing program. Indicators are not
necessarily passed. This condition restricts any data field defaults or changes by the user
exit program.
The user exit program can either issue Equation KSM messages or new USM messages.
See the next section, Adding USM Messages, for details of USM messages. The texts of
these messages form part of the non-closure conditions and are reflected on the third
screen of the Close Customer Account (CLA) function. Conditions with severity of 0 and 10
are allowed to be overridden.

Adding USM Messages

If using I34CXX either to validate data or to add new non-closure conditions, you will need
to specify what messages it will issue to the user. Either the program can issue existing
KSM messages, or you can specify new USM messages. All messages beginning with
USM have been reserved for customer use. If new USM messages are required, add them
to the KSMMSGF file using the UTM11C utility, as described in the K092 Integrators'
Technical Package Enhancement Notes.
Allocate a severity level of 20 for error, 10 for warning or 0 for information to each
message. Messages with a severity of 0 and 10 are allowed to be overridden, those with a
severity of 20 cannot be.

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Index

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23