Kanbay Incorporated
CMS
BASE II
Credit Plan Segment
2004 Kanbay Incorporated - All rights reserved
How Plans are Created . . .
Controlled by credit plan
master
Defines offerings
Authorization rules
Repayment terms
Interest options
Created when a purchase posts!
PROPRIETARY &
12/14/16 21:24
How Plan Segments are Utilized . . .
Account can have up to 99
plans
Each plan is a mini account
Credit plan master info
defaults to segment
PROPRIETARY &
12/14/16 21:24
Account and Plan Level Details
The file AMBS contains the Org, Account and the default Plans
for an account.
The Key for AMPS File consists of:
AMPS-ORG
AMPS-ACCOUNT
AMPS-REC-NBR
The Plan definition is present in the AMCP File whose Key is:
AMCP-ORG
AMCP-PLAN
PROPRIETARY &
12/14/16 21:24
Plan Segment
Snapshots of Screens and the corresponding Master Files.
Screen
Master File
ARMB
AMBS
ARMA
AMPS
ARMC
AMCP
PROPRIETARY &
12/14/16 21:24
Creation of Plan Segment Records
Transactions posted through TRAMS or CMS online
Screens are validated for their PLAN Numbers.
If no PLAN Number is specified, the Default Cash or
Retail Plan will be taken into consideration.
Every Transaction successfully posted on an account
will have the corresponding details in the Plan Segment
record for that account.
PROPRIETARY &
12/14/16 21:24
Plan Level Details
The Record Number in the plan segment identifies the
Credit Plan Segment Record on which the transactions
are posted
If Add-on Sales are allowed on the Plan, subsequent
sales will be added to the same Credit Plan Segment
Record.
If not, each sales transaction will generate a new
Credit Plan Segment record, depending on the effective
date of transactions.
PROPRIETARY &
12/14/16 21:24
Plan Definition. . .
Credit Plan Master holds the Plan definition.
ARMC (
* USER DEFINED TITLE *
CREDIT PLAN MASTER
ORGANIZATION ( 001 )
PF1=ARMU
PF2=ARMG
PLAN NBR
PF3=ARMI
PAGE 00
07/15/2004
20:39:11
( 10001 )
PF4=ARMF
PF5=ARMX
PROPRIETARY &
PF6=INQUIRY
12/14/16 21:24
Credit Plan Master
The information on the Plan Segment Defaults from the Plan definition on the
Credit Plan Master.
ARMC (
* USER DEFINED TITLE *
PAGE 01
07/15/2004
CREDIT PLAN MASTER
20:44:27
ORG 001
PLAN NBR 10001
DATE LAST MAINT 04/12/2004
DESCRIPTION
( PURCHASES-1
)
PLAN TYPE
R
REQUIRED DOWN PMT ( A ) ( 0000000 )
RATE TBL OCCUR
( 01 )
MULTIPLE SALES
( I )
BEGINNING DATE
(
)
ENDING DATE
(
)
BALANCE TRANSFER TYPE
( N )
INTEREST TABLE OVRRDE
( 005 )
GRACE DAY BALANCE
( Y )
ITO EXP
( D
002 ) (
)
MIN SALE
( 000000000 )
MAX SALE
( 000000000 )
POSTING INDICATOR
( 0 )
DEFER INT ( 002 ) ( 1 ) (
) ( 2 ) 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 - ST / PLAN
( 0 ) ( 0 ) ( ABC 00 ) ( 00000 )
EXPR / LTR / PLAN
( 0 )
( ABC 00 ) ( 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 ( N )
CONTROLLING PLAN
( 10001 )
CURRENCY 840
NOD 2
PER ITEM NOD 3
PERCENTAGE NOD 7
PROPRIETARY &
12/14/16 21:24
Plan Assignment
Default Cash and Retails Plans are assigned to every account at the time of
the definition.
ARMB (
ORGANIZATION
080
LOGO
* USER DEFINED TITLE *
PAGE 04
ACCOUNT BASE SEGMENT
998
ACCOUNT
0004046140000020281
RATE VARIANCES
1
2
3
4
5
6
7
8
9
10
11
12
+
+
+
+
+
+
+
+
+
+
+
+
CURRENT
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
+
+
+
+
+
+
+
+
+
+
+
+
PENDING
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
0000000
07/15/2004
20:52:41
EFFECTIVE
CHARGED-OFF ACCRUED INTEREST
0
DEFAULT CASH / RETAIL PLAN
20001
10001
CONTROLLING PLAN OVERRIDE
DATES: START ( 00000000 ) END ( 00000000 )
FIXED PAYMENT AMOUNT/PERCENT ( 00000000000 )
CURRENCY 840
NOD 2
PER ITEM NOD 3
PERCENTAGE NOD 7
PF1=ARMU
PF2=ARIB
PF3=ARIQ
PF4=ARMN
PF5=ARME
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
ARMA (
ARMA (
WHIRL DEVELOPMENT LCM1
PAGE 00
07/09/2004
* USER DEFINED
TITLE
CREDIT
PLAN* SEGMENTS PAGE
02:52:32
CREDIT PLAN SEGMENTS
00
07/09/2004
02:52:32
ORGANIZATION ( 001 ) ACCOUNT NUMBER ( 0004032992341004457
ORGANIZATION ( 001 ) ACCOUNT NUMBER ( 0004032992341004457
)
)
PF1=ARIQ
PF2=INQUIRY
PF3=ARQB
PF1=ARIQ
PF2=INQUIRY
PF5=ARMB
PF4=ARMN
PF3=ARQB
PF6=ARME
PROPRIETARY &
PF5=ARMB
PF6=ARME
PF4=ARMN
12/14/16 21:24
Plan Segment
ARMA (
ORGANIZATION
001
* USER DEFINED TITLE *
CREDIT PLAN SEGMENTS
ACCOUNT NUMBER 0004032992341004457
PAGE 01
07/09/2004
02:55:18
CURRENT BALANCE
MEMO BALANCE
MIN PAY
PAST DUE
REC
000
001
3,119.65
RECENCY
2
CYCLE DUE
3
3,119.65
PAYMENT DUE DATE
07/23/2004
133.00
DATE LAST PAYMENT
04/27/2004
150.00
PRIOR YEAR INT
737.29
OVRLMT AMT DUE
.000
*--CURRENT BALANCE--*
*OPENED*
A
*PLAN SEGMENT TOTAL DUE*
.00
.00
STORE: 000000000 PLAN: 20001 PLAN TYPE: C PLAN STATUS 00
STORE:
3,119.65
999999998 PLAN:
02/01/1984
Y
10001 PLAN TYPE: R
283.00
PLAN STATUS 01
**************** END OF PLAN SEGMENTS ****************
CURRENCY 840
NOD 2
PER ITEM NOD 3
PERCENTAGE NOD 7
PF1=ARMU
PF2=INQUIRY PF3=ARIB
PF4=ARIQ
PF5=*BWD*
PF6=*FWD*
PROPRIETARY &
12/14/16 21:24
Plan Segment
ARMA ( )
* USER DEFINED TITLE *
PLAN SEGMENT RATE/HISTORY
ORG 100 ACCT 0004032992341004457 PLAN 20001
RATE TBLE OCCUR IND 01
CURRENT RATES:
RC RTF RTE LMT
I/T
# MET TYP IND
BASE
B/S
*****TIER LIMIT**** RATE
VARIANCE
ADJUSTED RATE
N
T
N
+.0000000
500
.2390000 +.0000000 +.2390000 .1000000
+.0000000
5000
.1100000 +.0000000 +.0000000 .1100000
+.0000000
5000
.1200000 +.0000000 +.0000000 .1200000
+.0000000
5000
.1300000 +.0000000
+.0000000
+.0000000
10000
.1400000 +.0000000 +.0000000 .1400000
+.0000000
15000
.1600000 +.0000000
+.0000000
+.0000000
20000
.1800000 +.0000000
+.0000000
CURRENCY 840
NOD 2
PF1=ARMU
PF2=PG DOWN
PER ITEM NOD
PF3=*TOP*
PAGE 02
03:32:55
CASH ADVANCES
CALC
BEG DATE
06/26/1998
.1300000
.1600000
.1800000
PERCENTAGE NOD 7
PF4=*BOT*
PF5=*BWD*
PROPRIETARY &
07/09/2004
PF6=*FWD*
12/14/16 21:24
Rate Information
The above screen displays current interest rate
information and, if available, a history of rate
occurrences for the Credit Plan Segment.
The rate occurrences display in descending date
order with the most current rate displayed first.
A total of 6 rate occurrences on the screen use PF
keys to display 6 more
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
ARMA (
ORG 001
* USER DEFINED TITLE *
CREDIT PLAN SEGMENTS
ACCT 0004032992341004457 PLAN 10001
PURCHASES
BEGINNING BALANCE
DEBITS
CREDIT
CURRENT BALANCE
DISPUTED AMOUNT
YTD
YTD
YTD
YTD
YTD
YTD
YTD
YTD
YTD
/
/
/
/
/
/
/
/
/
LTD
LTD
LTD
LTD
LTD
LTD
LTD
LTD
LTD
PAID
PAID
PAID
PAID
PAID
PAID
PAID
PAID
PAID
PRINCIPAL
INTEREST
INSURANCE
USER FEE 1
USER FEE 2
USER FEE 3
USER FEE 4
USER FEE 5
USER FEE 6
CURRENCY 840
NOD 2
PF1=ARMU
PF2=ARIQ
PAGE 03
07/09/2004
03:34:25
3,119.65
.00
.00
3,119.65
.00
6.30
176.72
.00
.00
.00
.00
.00
.00
.00
PER ITEM NOD 3
PF3=ARIB
PF4=ARQB
6.30
176.72
.00
.00
.00
.00
.00
.00
.00
PERCENTAGE NOD 7
PF5=ARMB
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
The above screen displays balance information
for the current billing cycle, including the
beginning balance, total debits, total credits,
current balance, and disputed amount.
In addition, this screen displays the total amount
of principal, interest, insurance, and user fees paid
year-to-date and paid life-to-date.
You cannot change the amounts on this screen.
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
ARMA (
**USER DEFINED TITLE**
PAGE 04
07/09/2004
CREDIT PLAN SEGMENT BNP
03:39:48
ORG 001 ACCT 0004032992341004457 PLAN 10001
PURCHASES
CURR BALANCE
3,119.65
BNP COMPONENTS
BNP AMOUNT
AMOUNT AT C/O
PRINCIPAL
2,875.92
.00
INTEREST
170.71
.00
INSURANCE
.00
.00
NSF FEES
.00
.00
SERVICE CHARGES
.00
.00
LATE CHARGES
73.02
.00
ANNUAL FEES
.00
.00
OVERLIMIT FEES
.00
.00
RECOVERY FEES
.00
.00
COLLECTION FEES
.00
.00
USER FEE 1
.00
.00
USER FEE 2
.00
.00
USER FEE 3
.00
.00
USER FEE 4
.00
.00
USER FEE 5
.00
.00
USER FEE 6
.00
.00
CURRENCY
840
NOD 2
PER ITEM NOD
PROPRIETARY &
PERCENTAGE NOD
12/14/16 21:24
Credit Plan Segments
ARMA (
** USER DEFINED TITLE **
PAGE 05
07/09/2004
CREDIT PLAN SEGMENTS
03:42:32
ORG 001 ACCT 0004032992341004457 PLAN 10001
PURCHASES
OPEN DATE
02/01/1984
DATE LAST MAINT
12/31/1999
PAID OUT DATE
00/00/0000
AMT LST PYMT
75.00
ADD ON FLAG
( Y )
LST PYMT DATE
04/27/2004
PLAN TYPE / RTOI
R / 01
PMT LST REQ
133.00
PCT LEVEL / ID
O / 377
CONS: STMT/PYMT FLAG
Y Y
RATE CHG EFF DATE
00/00/0000
FIX PAYMENT AMT
( 00000000000 )
DISCLOSURE DAYS
000
PMT HIGH BAL
( 00000000000311965 )
LST INT TBL/RIT USED
126 / 000
PLAN HIGH BAL ( 00000000000898200 )
TRANSFER FROM LOGO
000
PYMT TYP/MNT DT
( C ) 00/00/0000
RATIFICATION LEVEL
CTD PAYMENTS
.00
RATF METHOD / INT TBL
/ 000
PS TOTAL DUE
283.00
INT ACCRUAL METHOD
A
ACCRUED INT
.0000
ITO STATUS/OVERRIDE
/ ( 000 )
AGGR DYS/AMT 08 /
24957.20
ITO EXPIRATION DATE
( 00000000 )
REF #
INT STATUS
N
BAL XFR MO REM/EXP 00
PER DIEM
2.0039
GRACE DAY FLAG
Y
XF PL 00000 000 00/00/0000 ( 00000 )
CONSLDTD PYMT PLAN
10001
PRODUCT CODE
(
)
ORG / STORE
001 / 999999998
PLAN ID
CURRENCY 840
NOD 2
PER ITEM NOD 3
PERCENTAGE NOD 7
PF1=ARMU
PF2=ARIQ
PF3=ARIB
PF4=ARQB
PF5=ARMB
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
ADD ON FLAG: Indicates if multiple sales can be posted
on the same Credit Plan Segment record
FIX PAYMENT AMT: Amount of fixed payment defined for
this credit plan segment record.
PMT HIGH BAL: Highest balance of the Credit Plan
Segment record used to compute the payment amount.
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
PLAN HIGH BAL: Highest balance of the Credit Plan
Segment life-to-date.
ITO STATUS/OVERRIDE: Indicates the status of the
Interest Table Override and the Identification number of
the Interest Table used.
PRODUCT CODE: User Defined. Default value in Credit
Plan Master
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
Paid Out Date: Date on which the Credit Plan Segment record was paid out
to a zero balance.
CONSLDTD PYMT PLAN: Plan number that identifies the Credit Plan Master
record used to control consolidated payment calculations for this Credit
Plan Segment record.
The value in this field is set on the Credit Plan Master Record. (CONTROLLING PLAN on
ARMC01)
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
CONS: STMT/PYMT: Indicates whether CMS consolidates
statements and payments for the Credit Plan Segment
record.
The values are:
Do not consolidate
Yes, consolidate different credit plans for minimum
payment calculation
Yes, consolidate regular revolving and special
credit plans for minimum payment calculation
Yes, consolidate regular revolving credit plans for
minimum payment calculation
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
XFR PLAN: Three-part field that identifies the transfer
to credit plan and the date of the plan transfer.
First Part: Plan number of the transfer to credit plan.
Second Part: Record number of the transfer to credit
plan.
Third Part: Date on which the plan transfer occurred.
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
This screen displays amount information about the Credit Plan
Segment record, including the highest principal balance,
highest revolving balance, balance as of the previous
purchase, and the amount of returns life-to-date.
ARMA (
ORG 001
** USER DEFINED TITLE **
CREDIT PLAN SEGMENTS
ACCT 0004032992341004457 PLAN 10001
PURCHASES
HIGH PRIN BALANCE
HIGH REVOLVE BALANCE
BAL LAST PURCHASE
BAL SUBJECT TO GRACE
LTD RETURNS
CURRENCY 840
NOD 2
PF1=ARMU
PF2=ARIQ
2,882.22
3,119.65
.00
3,119.65
.00
PER ITEM NOD 3
PF3=ARIB
PF4=ARQB
PAGE 06
STATUS
PREV STATUS
DATE STATUS CHG
07/09/2004
05:07:32
01
00
00/00/0000
PERCENTAGE NOD 7
PF5=ARMB
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
HIGH PRIN BALANCE: Highest principal balance of the
Credit Plan Segment record in monetary units and
subunits.
HIGH REVOLVE BALALANCE: Highest revolving balance
of the Credit Plan Segment record in monetary units
and subunits. This amount can include interest,
insurance, and fees.
BAL LAST PURCHASE: Plan balance as of the previous
purchase made for this plan.
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
BAL SUBJECT TO GRACE: Balance on which interest is
waived due to grace day processing.
LTD RETURNS: Amount of life-to-date returns on the
plan.
PROPRIETARY &
12/14/16 21:24
Credit Plan Segment
This screen displays parameters that enable the credit plan to
defer interest, insurance, billing, and payments. The deferment
parameters are defined on the Credit Plan Master record and
display on this screen for reference.
ARMA (
ORG 001
** USER DEFINED TITLE **
PLAN DEFERRAL INFORMATION
ACCT 0004032992341004457 PLAN 10001
PURCHASES
ORIG
DEFERRED INTEREST
000
DEFERRED INSURANCE
000
DEFERRED BILLING
000
DEFERRED PAYMENT
000
EXPIRATION / LTR / PLAN
CANCEL F
/ LTR / PLAN
CANCEL LVL
PREFERRED TRANS AMT
YTD INTEREST
CURRENCY 840
NOD 2
PF1=ARMU
PF2=ARIQ
PER
0
0
0
0
0
0
0
REM
00
00
00
00
BEGIN DATE
( 00000000
( 00000000
( 00000000
( 00000000
00000
00000
)
)
)
)
DISP
0
0
PAGE 07
05:09:53
07/09/2004
AMOUNT
INT DEFERRAL REASON
.00
.00
0
.00
409.94
PER ITEM NOD 3
PF3=ARIB
PF4=ARQB
PERCENTAGE NOD 7
PF5=ARMB
PF6=INQUIRY
PROPRIETARY &
12/14/16 21:24
