L81 – SAP Payment Engine for SEPA Direct Debit Process Diagram Purpose, Benefits, and Key Process Steps Purpose The purpose of this scenario is to describe or support testing of a complete entire account life cycle with SEPA direct debit functionality, from the creation of the mandate to the execution of the payment order in Payment Engine. Benefits In this scenario are explained all the relevant processes to all process related to an account life cycle (that is: account creation, replication, etc.) are explained in detail in the corresponding BPD document. SEPA Direct Debit (SDD) Process. © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Purpose, Benefits, and Key Process Steps Key Process Steps DM initiated SEPA Direct Debits Incoming customer payment file Incoming interbank payment file Refund of a Payment Transaction Return of a Payment Transaction based on not existing account © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Required SAP Applications and Company Roles Required SAP Applications SAP Banking Service 8.0 SAP Payment Engine 7.0 Company Roles Back office © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Detailed Process Description SAP Payment Engine for SEPA Direct Debit The SEPA Direct Debit (SDD) Process scheme starts with the creation of a mandate that basically is a signed agreement between debtor and creditor where the debtor authorizes to be direct debited in its bank account due to a payment. Afterwards, the creditor must transfer the required data to its bank to initialize the direct debit process and also must inform the debtor that this process is ongoing. With the initialization of the direct debit process triggered with the Creditor’s Bank a series of clearing messages between the Creditor’s and the Debtor’s Bank with ISO20022-XMLFormat. Finally, as a result of the mentioned messages between the banks the Direct Debit is executed at the bank of the Debtor. © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Process Flow Diagram SAP Payment Engine for SEPA Direct Debit (1/5) Banking Services from SAP SAP Payment Engine Back Office Back Office Icon Name 1 1 A B B L34 Lifecycle Current Account L35 Lifecycle Savings Account Process Payment Orders in Payment Engine C Set Day/End-of-Day Processing C Execute Processes /PE1/PO_EXPERT /PE1/EOD_SET_DATE /PE1/POLLER E /PE1/PIZ_UPDATER F D SXMB_MONI D A Verify XML Message DM initiated SEPA Direct Debits G /PE1/PO_EXPERT BCA_CN_KFG E Update Status of Items for Future Posting G Display Payment Item © 2014 SAP SE or an SAP affiliate company. All rights reserved. F Check Payment Order Status ‹#› Process Flow Diagram SAP Payment Engine for SEPA Direct Debit (2/5) Banking Services from SAP SAP Payment Engine Back Office Back Office Icon 2 2 H Import file H I I Process Payment Orders in the Payment Engine Name J Incoming customer payment file /PE1/FH_IPM_EXPERT /PE1/PO_EXPERT /PE1/EOD_SET_DATE K /PE1/POLLER L /PE1/PIZ_UPDATER J Set Day/End-of-Day Processing M K Execute Processes N /PE1/PO_EXPERT BCA_CN_KFG L Update Status of Items for Future Posting N Display Payment Items on current and clearing accounts © 2014 SAP SE or an SAP affiliate company. All rights reserved. M Check Payment Order Status ‹#› Process Flow Diagram SAP Payment Engine for SEPA Direct Debit (3/5) Banking Services from SAP SAP Payment Engine Back Office Back Office Icon 3 3 O Import file O P P Process Payment Orders in the Payment Engine Q Set Day/End-of-Day Processing Q Execute Processes Incoming interbank payment file /PE1/FH_IPM_EXPERT /PE1/PO_EXPERT /PE1/EOD_SET_DATE R /PE1/POLLER S /PE1/PIZ_UPDATER T R Name U /PE1/PO_EXPERT BCA_CN_KFG S Update Status of Items for Future Posting U Display Payment Items on current and clearing accounts © 2014 SAP SE or an SAP affiliate company. All rights reserved. T Check Payment Order Status ‹#› Process Flow Diagram SAP Payment Engine for SEPA Direct Debit (4/5) Banking Services from SAP SAP Payment Engine Back Office Back Office Icon Name 4 4 V V BCA_PAYMITEM_RET URN W BCA_PO_DISPLAY X BCA_PO_OPD_MASS_ RUN Y /PE1/PO_EXPERT Z BCA_CN_KFG Return Payment Item W Refund of a Payment Transaction Display Payment Order X Start Outgoing Payment Dispatcher Y Process Payment Orders in the Payment Engine Z Display Balances and Key Figures © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Process Flow Diagram SAP Payment Engine for SEPA Direct Debit (5/5) Banking Services from SAP SAP Payment Engine Back Office Back Office Icon Name 5 5 A A Return Payment Item A C Start Outgoing Payment Dispatcher A A BCA_PAYMITEM_RET URN A B BCA_PO_DISPLAY A C A B Display Payment Order Return of a Payment Transaction based on not existing account BCA_PO_OPD_MASS_ RUN A D /PE1/PO_EXPERT A E BCA_CN_KFG A D Process Payment Orders in the Payment Engine A E Display Balances and Key Figures © 2014 SAP SE or an SAP affiliate company. All rights reserved. ‹#› Thank you © 2014 SAP SE or an SAP affiliate company. All rights reserved. No part of this publication may be reproduced or transmitted in any form or for any purpose without the express permission of SAP SE or an SAP affiliate company. 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