Accounts Details and Transactions List

Use the feature to view the details of the selected account and manage transactions. From the accounts dashboard screen, tap any account row (for example, Savings account) to view the account details and get the required information. A user with access to both retail and business accounts can view the details of an account for the accounts to which the user has been given permission. The accounts are segregated by personal and business type at all relevant places in the application during transfers and other flows and icons against each account indicates the type of account.

The user sees a pop-up message warning that the session is about to expire before the application logs out. This is applicable to web channel and mobile native. The user can then choose to either sign out or extend the session.

For authorized users, the account details including the list of all the transactions and balances pertaining to the selected account are integrated with Transact using IRIS APIs. See integration for more information.

UX Overview

A. Accounts list filter
B. Account summary tab
C. Interest detail tab
D. View account information (eCheck)
E. Transaction details - Recent, Pending, Scheduled
F. Quick links
G. Other actions you can do (want more)

Business Process Diagram - View and Manage Accounts and Transaction Details

Web Channel

The application displays the details of the selected account and you can do the following:

• Edit the account name on the contextual actions.
• View the account information (eCheck), account summary, and the balance details of the selected account.
• View recent, pending, and scheduled transaction details.
• Perform quick actions such as make a transfer, pay a bill and more.

Accounts List Filter

Displays all your accounts held with the bank in a list. The personal and business accounts can be distinguished by different icons. The display of the accounts in the drop-down list depends on the permission given to the user, (a) for a user with access to only one Customer ID, the accounts are grouped by account type such as Savings, Checking and more, (b) for a user with access to personal accounts and multiple Customer IDs, the accounts are grouped by personal accounts followed by Customer ID names and their respective accounts, and (c) for a user with access to multiple Customer IDs, the accounts are grouped by Customer IDs.

Click the down-arrow and select the required account from the list to view the details - Account information, Account Summary, and Interest details.

View Account Information (eCheck)

The Primary Account Holder name is displayed. If the account is associated with a business CIF which is business/company/corporate, the company name is displayed. If the account is associated with a CIF which is retail/personal, the Primary Account Holder name is displayed.

The company name is displayed for CIF of company/business. Otherwise, the Primary Account Holder name is displayed. If the account is associated with a business CIF which is business/company/corporate, the company name is displayed. If the account is associated with a CIF which is retail/personal, the Primary Account Holder name is displayed.

This feature is integrated with Transact using IRIS APIs to pull and display the details of a selected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access. The Account Info tab displays the following details. The fields vary depending on the account type:

Click the Eye icon to view the account number. The account number is masked by default.

Account Summary Tab

The Primary Account Holder name is displayed. If the account is associated with a CIF which is retail/personal, the Primary Account Holder name is displayed.

This feature is integrated with Transact using IRIS APIs to pull and display the details of a selected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access. View the account summary details with the following details. The fields change based on the selected account type.

Interest Detail Tab

This tab is applicable only for credit and loan accounts. View the account balance and interest details with the following details.

This feature is integrated with Transact using IRIS APIs to pull and display the details of a selected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access. View the interest details with the following details. The fields change based on the selected account type.

Transaction Details

Displays the list of recent and pending transactions linked with the account, grouped by the transaction type (Transfer, Deposits, Checks, withdrawals, and so on are represented as tabs) with date, description, type, category, transaction amount, and account balance details. The list is sorted by date (most recent transaction on top) by default and all the fields have the sorting option. A user can scroll through the list of transactions until the user reaches the last (earliest dated) transaction. If the user has no transactions, a "No transactions found" message is displayed.

This feature is integrated with Transact using IRIS APIs to pull and display the list of posted and pending transactions of a selected account to which the authorized user has access. The following details are available and the data in these fields are integrated with Transact:

• Transaction list (Internal Transfers, Deposits, External Transfers, and more).
• Transaction details
• Search Transaction by keying date, amount, transaction type as keyword.
• Upcoming Transactions
• Recent Transaction
• Download Transactions
• Download Transaction Advice
• Scheduled Transactions

The tabs change based on the selected account type.

Blocked Funds

The blocked amount refers to the funds that are blocked by the government or external organizations in the customer's account. This amount cannot be accessed by the customer. The blocked amount can be lifted only by the external organization which placed it. The customer can only view the blocked amount.

• Select a particular account from the accounts dashboard.
• Under Transactions list, click the Blocked Funds tab. The application displays the list of blocked transactions for the selected account.

  The following details are displayed

  • Reference Number
  • From Date
  • To Date
  • Blocked Reason
  • Blocked Amount

You can do the following:

• Click any of the tabs to view the corresponding transactions.
• Click the Search icon to search and filter transactions.
• Click the Print icon to print the transactions list.
• Click the Download   icon to download the transactions list.

For View Checks, Bank Drafts, and SWIFT Payments

You can view the Checks, Demand Drafts, Swift MT103 messages as part of the transaction details so that you can quickly identify the beneficiary for that transaction as well as act as a proof of payment.

You can do the following:

• Click the check number or draft number to view the corresponding check image (front and back) and bank draft image (front and back).
• Click Swift MT103 Message transaction reference number to view the SWIFT payment details.
• In the image window, you can perform the following actions:
  • Click the Print icon to print the check or bank draft image.
  • Click the Download icon to download the check or bank draft image.
  • Click the Download icon to download the Swift MT103 message in the PDF format.
  • Click X to close the image.

The recent and pending transaction details are displayed under the Transactions section in the Account Details and Transactions screen. Click the Scheduled Transactions link in the Quick Links section to view the scheduled transactions.

Loan Schedule

The loan schedule tab displays the loan/amortization schedule that includes the previously paid installments, past overdue installments, summary of the future payments. The advantage of the loan schedule feature is to provide the customers a clear view on past as well as future payments for the loan account.

You can view the following from the Loan schedule feature:

• The list of previously paid installments on your loan account to keep a track of the paid payments towards the principal, interest, tax, or charges.
• The list of installments that are overdue on my loan account to keep a track of payments that need to be paid and avoid further charges. You can also check how much money needs to be paid towards the principal, interest, tax, or charges.
• Summary of installments paid in the past, overdue Installments, and the installments to be paid in future to get a clear view on the status of your loan account.

You will not be able to view the loan schedule if you do not have the permissions enabled at the account level. These permissions are configured in Spotlight.

Paid Installments. You can view the list of installments (with the count) that are paid against the selected loan account. The paid installments are displayed in the descending order of the payment date.

The following details are displayed in the Loan Schedule for paid installments.

• Payment Date
• Amount paid
• Principal amount paid
• Interest amount paid
• Outstanding Balance

Click the down arrow displayed beside each row to view the additional details of an installment. The following additional details are displayed:

• Charges paid
• Property tax paid (applicable only for mortgage accounts)
• Property insurance paid

Error Messages. If there are no paid installments to be displayed, a message is displayed as "No payment schedule available for the selected account".

Overdue Installments. You can view the list of installments (with count) that are overdue on your loan account. The following details are displayed:

• Payment Due Date
• Installment amount to be paid
• Pending principal amount to be paid
• Interest amount to be paid
• Outstanding Balance

The list is sorted by date (most recent transaction on top) by default.

Click the down arrow displayed beside each row to view the additional details of an installment. The following additional details are displayed:

• Charges - pending amount to be paid towards the charges of the loan
• Tax - pending amount to be paid towards property tax (applicable only for mortgage accounts).
• Insurance - pending amount to be paid towards the property insurance (applicable only for mortgage accounts).

You can perform the following actions in this screen:

• Click the Print icon to print the loan schedule that is currently displayed on the screen.
• Click the Download   icon to download or export the loan schedule to CSV or PDF format.
  • Download the complete list of paid and overdue installments.
  • Download only the Overdue, Paid or Future Installments separately or All of them together.
• Configure the number of rows to view at a time.
  • Click the drop-down list displayed on the top right corner of the transactions list.
  • Select 10, 25, 50, or 100 rows to be displayed at once.
• Easily navigate to first, next, previous, and next pages.

  If there is only page, the option to navigate between pages is not displayed.

Installment Detail (for Loan Accounts)

This section is applicable only for loan account.

You can view the summary of paid installments, overdue installments, and the installments you must pay in the future on your loan account.

This tab displays the following details:

• The total summary of all the installments (paid, overdue, and future) is represented in the form of a pie chart with the count.
• Each type of installment is represented in a different color.

  For example, if Charles has an active loan account of total 240 installments out of which 37 are paid, 03 overdue, and 200 for the future. The pie chart is represented in three colors with each color representing the type of installment.

  Installment Type	Color code
  Paid	Green
  Overdue	Pink
  Future	White

Recent and Pending Transactions

The list of recent and pending transactions linked with the account is grouped by the transaction type (Transfer, Deposits, Checks, Purchases, Payments, and Interest - represented as tabs) with date, description, type, transaction amount, and account balance details. The list is sorted by date (most recent transaction on top) by default, and you can even sort the list by amount.

Pending Transactions are those once the transaction is initiated and will take time to credit into the customer account. Pending Transactions cannot modify or cannot canceled.
Example :Check clearance and NEFT (National Electronic Fund Transfer)

You can do the following:

• Click any of the tabs (Transfer, Deposits, Checks, and Withdrawals) to view the corresponding transactions under Pending or Recent.
• Edit or delete a pending transaction.
• Search for transactions by using search and filter criteria.
• Print the transactions list.
• Download   the transactions list as a PDF document.

Click the down-arrow placed on the transaction row to view the transaction details. The information displayed depends on the selected account and transaction type. The transaction details shown for the list on the All, Transfers, Deposits, and Withdrawals tabs are date, description, transaction type, transaction amount, balance amount, reference number, cheque number if applicable, and download link.

Scheduled Transactions

The list of transactions scheduled for any of your account are displayed with date, notes, type, transaction amount, and transaction action details. The list is sorted by date (most recent transaction on top) by default, and you can also sort the list by amount.

Scheduled Transactions are those scheduled on particular dates to debit or credit from the customer account. Users can cancel, edit, and modify scheduled transactions, which is a part of managing transactions. Scheduled transactions happen on scheduled dates.
Example : Salaries and EMI's (Equated Monthly Installment).

This feature is integrated with Transact using IRIS APIs for displaying the upcoming, scheduled, and recurring transactions of accounts to which the authorized user has access and updating the modified date in Transact for business and combined users.

• View the upcoming, scheduled, and recurring transactions.
• Edit the scheduled transactions.
• Cancel all occurrences of an recurring transaction.
• Cancel a particular instance of a recurring transaction.

Do the following:

• Click the Scheduled Transactions link on the quick links to view the scheduled transactions list.
  
• Modify a transaction.
• Cancel a transaction.
• Click View Account List to go back to Account Details and Transactions screen.

Quick Links

A one-stop section that contains logically grouped actions that you can perform from here. The actions change based on the selected account type. A few such actions are Scheduled Transactions, Pay Bill, and Transfer.

Other Actions (Want More)

The list that contains actions that you can perform from this screen. The actions change based on the selected account type:

• View statements
• Cheque book request
• Update account settings

Mobile Native

Use the feature to view the account summary of the selected account. From the accounts dashboard screen, tap any account row (for example, Savings account) to view the summary details.

The summary screen displays the balances or relevant details of the selected account as on date on top of the screen, based on the account type. The accounts are segregated by personal and business type at all relevant places in the application and icons against each account indicates the type of account.

You can do the following in the account summary screen:

• Tap < to return to the accounts dashboard.
• Tap Search to search for transactions using filter criteria in the selected account.
• Tap to view and edit the account details.
• Tap Statements to view the monthly account statements. The account statements are available for all account types (checking, savings, investment, credit card, and loan) except external accounts and does not have any restrictions in the product, but if a bank does not want to offer statements for a specific account type, the bank can do so by hiding the Statements button for that specific account type.
• Tap withdraw cash to perform a cardless cash withdrawal. This option changes as per the selected account type and it is not available for the external accounts. For example, for Credit card accounts, it is Make a Payment, for Term Deposit accounts it is New Deposit.
• Tap any recent or scheduled transaction row (record) to view the transaction details.

The summary screen displays the list of Recent and Scheduled transactions in the selected account with date, transaction notes, and amount. The list is sorted by date (most recent transaction on top). Tap any row (transaction record) to view the transaction details.

You can call the bank if you have the necessary permission to do so. The permission is tied up at user level. The Call option in the account info tab is visible if "Call Bank" permission is enabled. When you make a call, the bank phone number of the branch with which the account is linked is available on the dial pad.

Account Summary screens for various Account Types

Account Details

Use the feature to view in-depth information of the selected account. This page also provides options to contact the bank if you want to clarify any queries.

You can change the nickname to be used to identify the account. You can do the following:

• Tap Edit, and select Edit Nickname.
• Edit the nickname and Tap Save. The change will be reflected across all devices wherever the account name is displayed.

Tap < to return to the account summary.

Account Details

Edit Nick name

Recent Transactions

View the details, such as the transaction amount, the payee account, transaction description, the account from which the amount was transacted, the transaction ID, frequency, notes, and the transaction date.

For transactions where a check is involved (check deposit or check issued to a beneficiary), the app displays the check images in the Transaction Details screen. Tap the respective check images (front and back) as part of the transaction.

You can perform the following actions on this screen:

• Repeat Transaction. Tap the button to repeat the same transaction.
• Download Transaction. Tap the button to download the transaction. The transaction report is downloaded in PDF format, by default.
• Dispute Transaction. Tap the button to dispute the transaction.
• Tap the back button to navigate to the previous screen.

Scheduled Transactions

View the details, such as the transaction amount, the payee account, the account number, the account from which the amount was transacted, the transaction ID, the transaction scheduled for date, whether the transaction is a recurrence or one-time, and any provided notes.

Scheduled Transactions are those scheduled on particular dates to debit or credit from the customer account. Users can cancel, edit, and modify scheduled transactions, which is a part of managing transactions. Scheduled transactions happen on scheduled dates.
Example : Salaries and EMI's (Equated Monthly Installment).

For transactions where a check is involved (check deposit or check issued to a beneficiary), the app displays the check images in the Transaction Details screen. Tap on the respective check images (front and back) as part of the transaction.

You can perform the following actions on this screen:

• Download Transaction. Tap the button to download the transaction. The transaction report is downloaded in PDF format, by default.
• Tap the back button to navigate to the previous screen.

Blocked Funds

The blocked amount refers to the funds that are blocked by the government or external organizations in the customer's account. This amount cannot be accessed by the customer. The blocked amount can be lifted only by the external organization which placed it. The customer can only view the blocked amount.

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Configuration

Permissions

• The visibility of each feature is controlled through the permissions defined for the user. The permission are defined in the Spotlight application.
• The elements on the screen depends on the user account type and the permissions to access features and perform associated actions.
• The capability to revoke or restore the features is available in the Spotlight application.

Integration with Transact using IRIS APIs

The following are integrated with Transact using IRIS APIs to pull and display the information:

• Account Summary tab: To pull and display the details of a selected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access.
• Interest Detail tab: To pull and display the details of a selected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access.
• Account Info tab: To pull and display the details of a s elected account (includes Savings, Checking, Loans, and Deposits) to which the authorized user has access.
• Transaction Details: To display the list of posted and pending transactions of a selected account to which the authorized user has access.
• Scheduled Transactions: To display the upcoming, scheduled, and recurring transactions of accounts to which the authorized user has access and updating the modified date in Transact for business and combined users.

Backend Integration - Transact/MS/Mock

Using the runtime configurable parameter (Arrangements_Backend server property) at the Micro App level, an implementation team can configure the backend integration endpoint as HMS/AMS/SRMS, Transact, or Mock as per customer needs for the following. The Arrangement Fabric MA supports the integration.

• The backend integration for all the APIs is mocked (DBX DB) or SRMS based on customer needs.
• The validations are avoided if the module is directly integrated with Transact endpoints.
• When records are created, use these options: Use the DBX DB table records that already exist, or use the Fabric Java layer to build a stubbed or JSON data response directly.

Follow these steps:

1. Sign-in to your Fabric console.
2. From the left pane, select Environments.
3. For your Fabric run-time environment, click App Services.
4. Navigate to Settings > Configurable Parameters.
5. On the Server Properties tab, go to Arrangements_Backend Field Name and set the Field Value depending on the integration (for example, MOCK).
6. Click Save.

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API

For the complete list of APIs shipped as part of this feature, see Experience APIs documentation.