aplonPAY, working together with your existing payments system (see architectural diagram), stores and retrieves all SEPA elements including files, groups and individual transactions directly to a relational database. Fully supports the following 'Payments Clearing and Settlement' messages:-
pacs.008 - Credit Transfers
pacs.004 - Returns
pacs.006 - Payment cancellation requests
pacs.002 - Payment status
The system provides the interchange handling of ICF, SCF, CVF files with the corresponding ACH.
Each ICF and SCF can contain a large number of transactions, which are grouped into either credit transfers (pacs.008) or returns (pacs.004). Depending upon the ACH, requests for cancellations (pacs.006) can also be sent in the ICF. The CVF contains validation / rejection information.
File processing and Database connectivity
For Incoming
Processes incoming SCF files as they arrive, extracts the pacs.008 and pacs.004 groups and utilizes the core message handling component to store each individual credit transfer and return transaction to the relational database. These transactions are then communicated to the bank's payments system by means of API calls or other communication protocols such as web services.
For Outgoing
The bank's payments system communicates transactions to aplonPAY by means of API calls or web services and the system stores them in the database. At scheduled times, it then creates the outgoing ICF file containing the ready-to-go transactions from the database in the relevant pacs.008 and pacs.004 groups.
Management Console
The management console is the GUI of the system and provides traffic management and full system configuration (ACH parameters, Bank settings and schedulers). Schedules are configurable to ensure that tasks are initiated at the correct time no matter what the time zone.
Traffic management displays details of both ICF and SCF interchange files, showing the groups and the transactions they contain along with the date received or sent. The id and status (Completed, Duplicated, Corrupted, etc.) are also displayed and any alerted items are highlighted. Displays today's files by default, but historical activity can be viewed by entering a date range.
Individual transactions, both credit transfers and returns can be viewed by means of a user friendly tree view that provides descriptive names for the XML fields.
Key Features
ACH support enables the bank to support a local ACH such as SIBS or to consolidate their payments through a pan European ACH such as the EBA or Deutsche Bank.
AML functionality is provided through full integration with leading AML packages such as Safewatch.
Scheduling ensures that the processing of incoming and outgoing files conforms to the time frames and cycles defined by the ACH.
Technical Platform and System architecture
aplonPAY is a Java solution built on open standards for full platform independence (e.g. AS/400, Linux and Windows).
Supports any database platform (including Oracle, DB/2, SQL Server) since it uses Hibernate, a high performance object / relational persistence and query service.
Summary
aplonPAY for SEPA by Datamation is the fastest method of adding SEPA support to a banks existing payments platform.
It can function either as a standalone solution or be fully integrated with an existing payments platform.
The interfaces provided can be used directly by a payments application to create and receive SEPA messages without the necessity to implement complex XML and SEPA logic directly in the application.
The SOA nature of the solution enables any of the banks internal applications, not just the payments system to fully benefit from SEPA functionality.
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