0SAP AG 2001 Payment card process and settlement overview
Payment card master data Transaction upload Splitting concept
Clearing house settlement Fleet card company settlement Complaint
processingContents:Payment Cards SAP AG IOG350 7-10.2SAP AG 2001
Execute and control the payment card processincluding complaint
processing Explain the master datathree level concept !escri"e the
transaction upload process Explain the splitting concept !isplay#
change# and create payment cardtransactions !escri"e clearing house
and $leet cardcompany settlement%t the conclusion o$ this unit# you
will "e a"le to:Payment Cards: &nit '"(ectives SAP AG IOG350
7-20.)SAP AG 2001Course 'verview !iagramBusiness
EnvironmentBusiness EnvironmentMeter Reading ManagementMeter
Reading ManagementMaster DataMaster DataDip Reading ManagementDip
Reading ManagementService Station Partner InvoicingService Station
Partner InvoicingAppendixAppendixTechnical ConceptsTechnical
ConceptsFuels PricingFuels Pricingvervie!vervie!Pa"ment
CardsPa"ment Cards SAP AG IOG350 7-30.*SAP AG 2001 The +',- company
is responsi"le $or maintainingpayment card master data and chec.ing
theuploaded payment card transaction data $rom the"usiness
locations. %$ter the upload the datashould "e chec.ed with a
report. Errors during theupload can "e corrected using a
transaction. ,$ the connection to a service station "rea.s down#the
payment card transactions can "e manuallyentered into the /0)
System. The +',- company settles with clearing housesand $leet card
companies on "ehal$ o$ the servicestation partners.Payment Cards:
1usiness Scenario SAP AG IOG350 7-40.2SAP AG 2001/e3uests
goods0servicesPurchaser+oods0services+',-4ead3uartersService
station1lac. list2)5*'il company"an. accountService station"an.
accountCard services0clearing house32624-433847
32624-4338471usiness 1ac.ground 6 %uthori7ation An end-customer
purchases a product or a service at the service station and wants
to pay with a payment card, such as a fleet-card or credit-card
(arrow 1). At the cashier, an authorization check is performed
(arrow 2). The lack list may e sent from the clearin! house to the
oil company and then distriuted to the service stations. The lack
list is stored at the service station or at the clearin! house. "or
#uroche$ue (#%) card transactions, an online connection is made to
the clearin! house and the transaction is checked. A new lack list
is sent y the clearin! house re!ularly (a new list is sent every
month with corrections every week) to the oil companies. &f the
result of the authorization is positive (arrow '), the end customer
receives the products or services (arrow (). SAP AG IOG350
7-50.8SAP AG 2001Card services0clearing house32624-433847
32624-433847'il company"an. accountService station"an.
account+',-4ead3uartersService station89Payment :21usiness
1ac.ground 6 &pload and Settlement ;5< All the payment card
sales information (individual transaction data) is sent
periodically (daily) from the service station to the )A* +,' )ystem
of the oil company (arrow -). At settlement time, the individual
transaction data is sent from the +,' )ystem to the clearin! house
(arrow .). The clearin! house validates the card transaction. )ome
clearin! houses send a summary of the settlement data to the oil
company (arrow /). The clearin! house then pays the purchase amount
minus the clearin! house fee to the oil company0s ank account
(arrow 1). SAP AG IOG350 7-60.9SAP AG 2001Fleet CardCompany'il
company"an. account+',-4ead3uarters8Service station9Payment
:1usiness 1ac.ground 6 &pload and Settlement ;2< At
settlement time we create a )2 illin! document and send the
individual fleet card transaction data from the +,'-system to the
fleet card company (arrow /). The fleet card company validates the
card transaction and pays the invoice (arrow 1) SAP AG IOG350
7-70.:SAP AG 2001Card services0clearing house32624-433847
32624-433847'il company"an. accountService station"an.
account+',-4ead3uarters50=Service stationPayment
52Paymentre3uest551usiness 1ac.ground 6 SSP ,nvoicing The oil
company sends an invoice to the service station partner for the
sales of oil company owned products y cash (arrow 3 ). The oil
company sends an payment re$uest (arrow 14 ) to !et the money from
the service station partners ank,account. (5sually the oil company
has direct access to the ank account of the service station
partner). The actual money transfer from the service station
ank,account to the oil company0s ank,account is shown y arrows 11
and 12. SAP AG IOG350 7-80.=SAP AG 2001Exchange o$ money "etween
oilcompany# service station partnerand clearing houseSale o$ the
product $rom theservice station partner ;SSP< tothe end
customerSale o$ the product $rom theoil company to the $leet
cardcompany'il company acts as intermediaryto collect money $rom
clearinghouse on "ehal$ o$ the SSPCustomer "uys goods $rom
theservice station using a $leet cardCustomer "uys goods $rom
theservice station using a credit card'il company handles
collectiono$ money $rom $leet cardcompany directly-egal sale o$
product andexchange o$ money "etween theoil company and the $leet
cardcompanyCredit Cards Fleet CardsSettlement 6 Credit Cards vs.
Fleet Cards %omparison of credit cards and fleet cards within the
)ervice )tation +etailin!. SAP AG IOG350 7-90.50SAP AG 2001The
Clearing 4ouse as a >ew '"(ectCustomermasterF,+0-accounts$or
C4Centraladdress masterControllingClearing4ouseThe clearing house
o"(ect stores address# settlement and transmission in$ormation. The
clearin! house o6ect is the central repository for all the
information re$uired to e7ecute clearin!house and fleet card
company settlement, and is used in the payment card settlement
processes. 2ifferent settlement runs are used for each clearin!
house and payment card type comination. 8ou can define the
followin! for the clearin! house o6ect9 %ustomer master ()2)
data.%ustomer master data is used for )2 documents (fee illin!
document, fleet card company invoice) to link the :)old-to; partner
role and the sales area. "inancial accountin! ("&)
data.Accounts that are used for automatic processin! durin! the
settlement run and company code has to e assi!ned to each clearin!
house o6ect. &n the case of credit card and ank deit card (such
as#% cards) clearin! houses, you specify which %< receivales
account and which cash clearin! account (oth are !eneral led!er
accounts) are to e used in the settlement process. "leet card
company settlement is not on the level of !eneral led!er accounts.
2urin! the settlement process, a)2 invoice is created for the
customer that is linked to the clearin! house o6ect. %ontrollin!
(%=) data.8ou assi!n a %= distriution cycle to each clearin! house
so that the costs associated with payment card handlin! can e
distriuted correctly. %entral address master data.%entral address
data is used to store information aout contacts. SAP AG IOG350
7-100.55SAP AG 2001Client levelCompany code level1usiness location
levelPC %ccepted cards ?alidity Chec. amountsControl data
/olesPayment card ;PC< types: e.g. %mex# ?isa%ssign PC types to
company codeThree -evel Payment Card Concept *ayment card master
data, such as card type and accepted payment card types, is defined
at three levels. At R/3 client level, there is a !eneral definition
for payment card types. As settin!s for a payment card type often
vary from country to country, card types are further definedat
company code level. This allows you to create the same payment card
type with different settin!s in different company codes. Additional
settin!s can also e made at the company code level, for e7ample,
for purchase limits, material restrictions, and splittin!
indicators. At the business location level, you can maintain the
followin! data9 Time frame that defines when the payment card type
is accepted. +eason code e7plainin! why the card type is
temporarily not accepted. Amounts for when a purchase should e
checked a!ainst a lack list or directly with the clearin! house
that is specific to the location. >ocation of the lack list
(re$uired for complaint processin!). SAP AG IOG350 7-110.52SAP AG
2001PeriodicuploadParallel processing1asic chec.s?alidation
;customerde$ined chec.s