SmarterPay Integration
DNAX Name: SmarterPay.dnax
Application ID: 8EABF04B-C421-4533-8A5F-E0EC34E8F73C
SmarterPay Integration Fiserv
SmarterPay Integration 2 March 2020
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Contents of This Document Overview ................................................................................................................................. 5
Prerequisites ........................................................................................................................ 5
Requirements ....................................................................................................................... 5
Processing ............................................................................................................................... 5
Tables ...................................................................................................................................... 6
RecmMaxODSrcDataElemKey Table .................................................................................. 6
AcctRecmMaxODSrcDataElemKey Table ........................................................................... 6
RPT_AcctRecmMaxOD_Process Table .............................................................................. 7
Configurations ......................................................................................................................... 7
Calculation Category ............................................................................................................ 7
Calculation Types ................................................................................................................ 8
Variables .............................................................................................................................. 8
External Interface Variables ............................................................................................... 10
Transaction Reporting Group Mapping .............................................................................. 13
Account Level User Fields ................................................................................................. 21
SmarterPay_EXP File Layout ................................................................................................ 21
Common Record Output .................................................................................................... 22
Control Record (Summary Record) Output ........................................................................ 23
Sample SmarterPay_EXP SPI File .................................................................................... 24
Reports .................................................................................................................................. 24
SmarterPay Export (SMARTERPAY_EXP)........................................................................ 24
SmarterPay Import (SMARTERPAY_SPO_IMP) ............................................................... 28
SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) ................................................ 32
SMARTERPAY_SPR_IMP................................................................................................. 33
SmarterPay Purge Report (SMARTERPAY_PURGE) ....................................................... 34
Glossary of SDEK Elements .................................................................................................. 37
Balance Elements .............................................................................................................. 37
Transaction Elements ........................................................................................................ 38
Exception Elements ........................................................................................................... 41
Account Elements .............................................................................................................. 41
Customer Elements ........................................................................................................... 47
Relationship Elements ....................................................................................................... 48
Reg E Elements ................................................................................................................. 48
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Additional Requirements ....................................................................................................... 48
Installation Instructions .......................................................................................................... 48
What You Should Do ............................................................................................................. 49
Configuration Checklist .......................................................................................................... 49
Revisions ............................................................................................................................... 50
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Overview The SmarterPay Integration DNAapp enables the integration between SmarterPay (the Fiserv overdraft limit solution) and DNA (Fiserv core processing application). SmarterPay uses critical data elements supplied by DNA as input data, and based on the account-level predictive variables and customer behavior, provides an appropriate limit for the deposit account with an overdraft limit facility to DNA.
This app enables the import and processing of the overdraft limit file (SMARTERPAY_SPO_IMP) from SmarterPay into DNA.
Prerequisites Prior to running SmarterPay batch jobs, ensure that your institution’s database administrator (DBA) makes the following changes:
• Change the Oracle EXTNDATA and EXTNINDEXES settings to Auto-Extend On with a maximum size set to Unlimited.
• Ensure the proper read/write permissions are granted for folders designated in the Output File Path (COUP) parameter of all SmarterPay batch jobs.
Requirements The DNA 4.2.X or higher software version is required.
Processing The SmarterPay app processes the account, transaction, and person-level data using the following batch jobs:
• SmarterPay Export File (SMARTERPAY_EXP) SMARTERPAY_EXP creates one or more extract files containing Source Data Element Key (SDEK) data for savings and checking accounts and generates an LIS report. Accounts are based on the defined major product type in the Major Account Type Code (MJCD) batch parameter and other parameters.
SMARTERPAY_EXP can be run at any time by supplying the run time parameters to provide data for the following processes as required by SmarterPay:
o Historical load o Delta file o Mass refresh
• SmarterPay Import SPO File (SMARTERPAY_SPO_IMP) SMARTERPAY_SPO_IMP imports and processes the overdraft limit file received from SmarterPay for the accounts that already have an overdraft facility defined in DNA.
• SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) SMARTERPAY_SPR_IMP imports the SPR file into DNA. The SPR file contains new refund amounts computed by the SmarterPay Refund Advisory Module for participating accounts.
• SmarterPay Purge Report (SMARTERPAY_PURGE) SMARTERPAY_PURGE purges account records from the AcctRecmMaxODSrcDataElemKey table in SmarterPay that were already purged from the ACCT table in DNA.
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Tables Three tables store the value of each SDEK description as supplied by SmarterPay and corresponding SDEK values for all reported accounts provided to SmarterPay on the prior business day.
• RecmMaxODSrcDataElemKey
• AcctRecmMaxODSrcDataElemKey
• RPT_AcctRecmMaxOD_Process
RecmMaxODSrcDataElemKey Table The RecmMaxODSrcDataElemKey table stores the description/definition of each SmarterPay SDEK.
The following fields are in the RecmMaxODSrcDataElemKey table,
Column Name Default Value
Data Type Description
SrcDataElemKeyCd Null VARCHAR DNA code that is mapped to each SmarterPay SDEK.
SrcDataElemKeyDesc Null VARCHAR Description of the SDEK.
ExtSrcDataElemKeyCd Null VARCHAR External code recognized by SmarterPay.
DataTypCd Null VARCHAR Data type code for the SrcDataElemKeyCd value.
DateLastMaint DATE SYSDATE Date of last maintenance.
AcctRecmMaxODSrcDataElemKey Table The AcctRecmMaxODSrcDataElemKey table stores account-level detailed records sent to SmarterPay to obtain recommendations on maximum overdraft limit.
The following fields are in the AcctRecmMaxODSrcDataElemKey table-.
Column Name Default Value
Data Type Description
AcctNbr Null Number Account for which the SDEK code value is stored.
SrcDataElemKeyCd Null VARCHAR DNA code that is mapped to each SmarterPay SDEK.
Value Null VARCHAR Value of the SDEK code for a particular account.
EffDate Null DATE Effective date of the SDEK code value.
DateLastMaint DATE SYSDATE Date of last maintenance.
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RPT_AcctRecmMaxOD_Process Table The RPT_AcctRecmMaxOD_Process table contains data to export to SmarterPay in the SPI (SmarterPay Input) file.
The following fields are in the AcctRecmMaxOD_Process table.
Column Name Default Value
Data Type Description
ApplRunNbr Null NUM System-assigned value for the application run.
AcctNb Null NUM Account for which the SDEK code value is stored.
ExtProcessGrp Null VARCHAR Institution-defined code identifying a process group or a division of processing in an institution by product type or region.
ExtSrcDataElemKeyCd
Null VARCHAR External code recognized by SmarterPay.
EffDate Null DATE Effective date for the external SDEK code’s count, amount, and categorical data.
Count Null NUM Count of the element (e.g., checks). SmarterPay data is not typically aggregated; in most cases the value is 1.
Amt Null NUM Amount of the element (e.g., collected balance). Amounts are positive unless the SDEK represents a negative balance or a non-zero overdraft limit.
CategoricalData Null VARCHAR Data such as flags, types, dates (MM-DD-YYYY). Delimiters (comma and vertical line characters) must not be included in the data.
DateLastMaint DATE SYSDATE Date of last maintenance.
Configurations To ensure SmarterPay functions properly, set up the following configurations for your institution and review with the Fiserv implementations team.
Note: Institutions using the Premium Overdraft program should review product-level variables and related batch jobs/parameters to ensure existing settings do not interfere with any functions handled by SmarterPay after implementation.
Calculation Category Navigation: System > System Tables > C-G Tables > CALCAT
The SmarterPay Integration (6SCC) calculation category was created for the SmarterPay Integration (6SCC) calculation type.
Calculation Category Code Description
6SCC SmarterPay Integration category
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Calculation Types Navigation: System > Institution > Variables > Calculation Type > SmarterPay Integration Type or SmarterPay Integ. Type Product. The SmarterPay Integration Type (6SCT) and SmarterPay Integ. Type Product (6SCP) calculation types were created under the SmarterPay Integration (6SCC) calculation category.
Calculation Type Code
Calculation Category Code
Calculation Type Name Major Minor YN
Major Minor Balance Category Type YN
6SCT 6SCC SmarterPay Integration Type N N
6SCP 6SCC SmarterPay Integ. Type Product
Y N
Variables The following variables exist under the SmarterPay Integration Type (6SCT) calculation type:
Variable Code Description Data Type Default
SmarterPay Debit Card Flag
6SDF Agreement types to identify a debit card association with the account.
STR Null
SmarterPay Process Group Type
6SGT Determines how the list of accounts reported to SmarterPay are divided into process groups, based on product type (external cross reference mapping provided in 6SGM), branch (external cross reference mapping provided in 6SGB), or none (no grouping, single file generated):
1 = Group By Product (MJMI)
2 = Group by Branch (BRCH)
3 = None (NONE)
Note: When 1 (Group by Product) or 2 (Group by Branch) is selected, if the external cross reference mapping does not exist in 6SGM or 6SGB, an error occurs and the report terminates.
When 3 (None) is selected, a single file is created. The system ignores the 6SGM and 6SGB mappings and uses the 6SPP variable to name the file. If the 6SPP variable is null, the “SmarterPay Process Group Type Calculation variable is not configured.”error displays when the SmarterPay_Exp batch application is run.
STR 3
SmarterPay Agreement Type
6SPA Comma-separated list of agreement types to consider for counting services.
Note: This variable is obsolete as of SmarterPay version 5.0. Reserved for future use.
STR Null
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Variable Code Description Data Type Default
SmarterPay Institution Code
6SPI SmarterPay institution code (provided by the SmarterPay Implementation Team).
STR Null
SmarterPay Premium OD Indicator
6SPO Determines whether the SDEK is mapped:
Y = The REIN SDEK is determined by the PSMX and PSOD user fields.
N = SDEK is not mapped.
Note: When set to Y, the value from the 6SPO external cross reference variable is extracted. An error is returned on the SmarterPay_Exp report when an invalid combination of the PSMX or PSOD user fields exists. For example: PSMX = N and PSOD = 1 is not a valid combination and the: “Value mismatch on combination of PSMX and PSOD account level user field for Acct###########.” error message would display.
YN Y
SmarterPay Process Group Code
6SPP SmarterPay Process Group Code used in files when option 3 (6SGT) is selected. If not configured, an error occurs and the SmarterPay_EXP batch job application terminates.
STR Null
SmarterPay Related Roles
6SRR Role codes identifying related persons.
Note: This variable is obsolete as of SmarterPay version 5.0. Reserved for future use.
STR Null
SmarterPay Mass Refresh SDEKs
6SRS Comma-separated list of critical SDEKs used for mass refresh as provided by SmarterPay. Default values are as follows:
ALDQ,ALFL,BRCH,CCDQ,CCFL,CDDQ,CDFL,CLDT,CODT,MBRN,MGDQ,MGFL,OFID,ONLM,OPDT,ORDQ,ORFL,STAT,STMT,STVL,SUBP,AVRF,BODL,CDOD,SVRF,OBPC,PAA1,PAA2,PACO,PACY,PAEA,PAFN,PALN,PAPC,PAST,PSMX,PSOD,EFDT,OPCD,REIN,PAA3,PAA4,PAA5
STR See Description column
These variables are in the SmarterPay Integration Type (6SCT) calculation type under the SmarterPay Integration (6SCC) calculation category.
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The following variables exist under the SmarterPay Integration Type Product (6SCP) calculation type:
Variable Code Description Data Type Default
SmarterPay On Limit Flag
6SOL Defines the assigned/mapped product as an on-limit product (with overdraft facility) or an off-limit product (no overdraft facility).
Note: This variable must be mapped to the desired products and the ACCOUNT OVERRIDE indicator should be checked. Navigate to System > Product and Pricing > Manage Product > (select a product) > Assoc… > Variables. See the “Associating Variables with a Product” online Help topic for more information.
Once mapped to a product, the value defined at the system-level is the default variable value. The value can be changed using the above navigation.
YN N
SmarterPay Account Type
6SAT Type of account:
AL = Auto loan
CDSA = CD/savings
CC = Credit card/line of credit
MTG = Mortgage loan
Note: The variable must be set for the applicable products.
STR Null
These variables are in the SmarterPay Integ. Type Product (6SCP) calculation type under the SmarterPay Integration (6SCC) calculation category.
External Interface Variables The following external interface code, category code, and variable codes map the transaction type codes in DNA to the SmarterPay SDEKs.
External Interface Navigation: System > System Tables > C-G Tables > External Interface
External Interface Code
External Interface Category Code
Description FromValueMjMiYN
ToValueMjMiYN
6SPI 3PTY SmarterPay Interface
N N
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External Interface Variables Navigation: System > System Tables > C-G Tables > External Interface Variables
External Interface Code
External Interface Variable Code
Description From Data Type Code
To Data Type Code
6SPI 6SPT SmarterPay Transactions
VC VC
6SSC SmarterPay Statement Cycle
VC NUM
6SNC SP Spl OD/XOD Notice Ntf Code
VC VC
6SGM SP Process Group by MJMI
VC VC
6SGB SP Process Group by Branch
VC VC
6SPO SmarterPayREIN INT INT
External Interface Variable From Value To Value Navigation: System > System Tables > C-G Tables > External Interface CrossReference Interface variable definitions are provided below along with a table including the From Value/To Value codes:
• SmarterPay REIN: Values correspond to the available options found in the PSOD – OD PROGRAM STATUS account level user field. If your institution defined its own status codes, you must create additional entries in this table. The SmarterPay Implementations team will assist you in determining the appropriate ToValue.
• SmarterPay Statement Cycle: These values correspond to the statement cycle codes defined for your institution. You must create an entry for each statement cycle code in use at your institution. The SmarterPay Implementations team will assist you in determining the appropriate ToValue.
• SmarterPay Transactions: The FromValue is the RtxnRptGrpCd and the ToValue is the SmarterPay SDEK code. These entries are created automatically during installation of the SmarterPay DNAapp.
• SP Process Group by Branch: If your institution creates multiple export files based on branch (6SGT – SmarterPay Process Group Type = Group by Branch (BRCH)), you must create a FromValue for each branch (orgnbr of branch) and a corresponding ToValue which represents the group code for that branch. For example, branches 1, 2, and 3 are part of region 1. You would enter the orgnbr of each branch in the FromValue and the code for region 1 in the ToValue. The SmarterPay Implementations team will provide the codes for the “To” values, if needed.
• SP Process Group by MJMI: If your institution creates multiple export files based on product (6SGT – SmarterPay Process Group Type = Group by Product (MJMI)), then you must create a FromValue for each product (MjAcctTypCd:MiAcctTypCd) and a corresponding ToValue which represents the group code for that product. For example, Free Checking, Value Checking, and High Yield Checking products are grouped together as consumer checking products. Enter the major and minor codes separated by a colon in the FromValue (CK:FREE, CK:VALU, CK:HIYD) and the code for consumer checking products in the ToValue (CNCK).
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• SP Spl OD/XOD Notice NTF Code: These entries are created automatically during installation of the app. The SmarterPay Implementations team can assist you in determining if additional entries should be created for your institution.
Interface Variable Name From Value To Value
SmarterPay REIN 1 1
SmarterPay REIN 2 0
SmarterPay REIN 3 4
SmarterPay REIN 4 5
SmarterPay REIN 5 2
SmarterPay REIN 6 3
SmarterPay REIN 77 5
SmarterPay Statement Cycle Institution-defined values
SmarterPay Transactions 6IBC 1BRC
SmarterPay Transactions 62OF 2ODF
SmarterPay Transactions 63NF 3NSF
SmarterPay Transactions 6ACC ACHC
SmarterPay Transactions 6ACD ACHD
SmarterPay Transactions 6ATC ATMC
SmarterPay Transactions 6ATD ATMD
SmarterPay Transactions 6BPD BPYD
SmarterPay Transactions 6CBD CBKD
SmarterPay Transactions 6CHD CHKD
SmarterPay Transactions 6FER FEWR
SmarterPay Transactions 6NWR NFWR
SmarterPay Transactions 6ODC ODPC
SmarterPay Transactions 6ODD ODPD
SmarterPay Transactions 6OFE OFEE
SmarterPay Transactions 6OTC OTHC
SmarterPay Transactions 6OTD OTHD
SmarterPay Transactions 6PID PIND
SmarterPay Transactions 6RCC RCIC
SmarterPay Transactions 6RCD RCID
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Interface Variable Name From Value To Value
SmarterPay Transactions 6REC REVC
SmarterPay Transactions 6RED REVD
SmarterPay Transactions 6RPS RPOS
SmarterPay Transactions 6SID SIGD
SmarterPay Transactions 6TEC TELC
SmarterPay Transactions 6TED TELD
SmarterPay Transactions 6TRC TRNC
SmarterPay Transactions 6TRD TRND
SmarterPay Transactions 6WIC WIRC
SmarterPay Transactions 6WID WIRD
SP Process Group by Branch Mapping based on the SmarterPay Process Group Type (6SGT) variable. Refer to the Variables topic for more information.
SP Process Group by MJMI Mapping based on the SmarterPay Process Group Type (6SGT) variable. Refer to the Variables topic for more information.
SP Spl OD/XOD Notice Ntf Code HOLD HOLD
SP Spl OD/XOD Notice Ntf Code OPT SPEG
SP Spl OD/XOD Notice Ntf Code REG DNML
Transaction Reporting Group Mapping The RtxnRptGrp (Transaction Reporting Group) system table contains the Fiserv-defined categories used to group transactions for reporting, service charging, exception files, Regulation D, and other purposes. The following table details which transaction types to link to the specified group.
Navigation: System > System Tables > P-R Tables > RtxnRptGrp
SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
1BRC 61BC SP-Continuous Overdraft Fees
ODSC Overdraft Service Charge
2ODF 62OF SP-Overdraft Fees 8POF Premium OD Access Fee
ATMO ATM Overdraft Charge
NSF Non-Sufficient Funds (NSF) Fee
UCF Uncollected Funds Charge
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
3NSF 63NF SP-NSF Fee - Returned Items
NSF Non-Sufficient Funds (NSF) Fee
UCF Uncollected Funds Charge
ACHC 6ACC SP-ACH Credits IDEP IAT Deposit
XDEP External Deposit
ACHD 6ACD SP-ACH Debits ICHK IAT Electronic Check
IWTH IAT Withdrawal
XWTH External Withdrawal
APOD 6AOD SP-Approved OD Transactions
DPME ATM Payment Enclosed
DWTH ATM Withdrawal
PPOS POS Pinned Purchase
PWTH Point Of Sale Withdrawal
SDSB POS Purchase Disbursement
ATMC 6ATC SP-ATM Credits DDEP ATM Deposit
ATMD 6ATD SP-ATM Debits DPME ATM Payment Enclosed
DWTH ATM Withdrawal
BPYD 6BPD SP-Bill Pay Debit BPAY eBill Pay Withdrawal
CBKD 6CBD SP-Chargeback ACNF Account Confirmations
RICB Return Item Chargeback
CHKD 6CHD SP-Checks CWTH Check
ECHK Electronic Check
ONUS Check - Item Processing
FEWR 6FER SP-Fee Waivers ATMO ATM Overdraft Charge
CDOD Consecutive Days OD Fee
NSF Non-Sufficient Funds (NSF) Fee
ODSC Overdraft Service Charge
RPNS Reversed Paid Insufficient Fee
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
RRNS Reversed Returned Insuff Fee
NFWR 6NWR SP-Fee Reversed 8POF Premium OD Access Fee
ATMO ATM Overdraft Charge
CDOD Consecutive Days OD Fee
NSF Non-Sufficient Funds (NSF) Fee
ODSC Overdraft Service Charge
RPNS Reversed Paid Insufficient Fee
RRNS Reversed Returned Insuff Fee
UCF Uncollected Funds Charge
ODPC 6ODC SP-OD Protection Credit OPD Overdraft Protection Deposit
ODPD 6ODD SP-OD Protection Debit
OPAP OD Protection Auto Payment
OPW Overdraft Protection Withdraw
OFEE 6OFE SP-All Other Fees AREC Account Research/Bal/Recon
ATM ATM Withdrawal Service Charge
ATMF ATM Foreign Transaction Fee
ATMM ATM Maintenance Charge
CCF Certified Check Fee
CHCG Check Printing Fee
CKIS Official Check Fee
CPAI Charge Per All Processed Items
CPCK Charge Per Check
CPDB Charge Per Debit
CPDI Charge Per Deposited Item
CPDP Charge Per Deposit
CURR Coin and Currency Charge
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
ESCH Escheatment
FECH Deposit Fee and Charges
INAC Acct Inactivity Fee
LSW Lease Security Fee
MMSC Money Market Service Charge
MSC Maintenance Service Charge
MTXN Charge Per Min. Tran. Amt.
NDEP Night Deposit Fee
NTCC Non-Truncated Checks Charge
ODA Overdraft Limit Access Fee
OPTF OD Protection Tran Fee
PPFF Positive Pay Service Charge
PPFL PPay Flat Fee
OFEE 6OFE SP-All Other Fees PPIF PPay Per-Item Fee
PPMF PPay Mismatch Fee
PPNF PPay Notification Fee
PPTF PPay File Transfer Fee
RCAF Return Item Chrgbck Advice Fee
RCK Deposited Returned Check Fee
RDLC Reg D Excess Debits Fee
RICF Return Item Chargeback Fee
RIRF Return Item Redeposit Fee
RPTF Return Item Put-Thru Fee
RTSC Retirement Plan Fee
SDBF Safe Deposit Box Fee
SDCW ATM Card Service Charge
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
SSTM History Printout
STOP Stop Payment Fee
SWIF School Warrant Interest Fee
SWTH Withdrawal Service Charge
TTL TT&L Charge
TVCK Travelers Check Fee
UCFF UC Protection Transfer Fee
WRIN Wire In Charge
WROT Wire Out Charge
WTAF Wire Transfer Advice Fee
WTDF Domestic Wire Wth Fee
WTDI Domestic Wire Deposit Fee
WTF International Wire Dep Fee
WTIF International Wire Dep Fee
YPXD Deferred Analy Svc Chrg Credit
ZSCD Deferred Serv Chg Assessed
OTHC 6OTC SP-Oth Non Cust Init Credits
AWTA ATM Withdrawal Adjustment
BONP Bonus Payment
CINT Club Interest Credit
CKRC Check Return Credit
DIV Credit Shareholder Dividend
EC Earnings Credit
INT Credit Interest
INTA Interest Adjustment-Deposit
INTP Prior Year Interest Adjustment
NDIV Credit Non-Resident Dividend
OEBA Overdraft Excess Bal Adj
PAT Credit Patronage Refund
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
PBON Prior Year Bonus Payment
RIRD Return Item Redeposit
SWPD Sweep Deposit
UCFD Uncollected Protection Deposit
OTHD 6OTD SP-Other Non Customer Debits
ADPA ATM Deposit Adjustment
FW Federal Withholding
INTE OD Excess Bal Interest Charge
INTP Prior Year Interest Adjustment
IW IRA Withholding
OCNW Open Community Network Debit
RTFW Retirement Txn FED Withholding
RTIW Retirement Txn IRA Withholding
RTSW Retirement Txn ST Withholding
SW State Withholding
SWPW Sweep Withdrawal
UCFW Uncollected Protection W/D
PDOD 6POD SP-Paid OD Transactions ACNF Account Confirmations
PDOD 6OTD SP-Other Non Customer Debits
CKUS Over Counter Check
CLS Closeout Withdrawal
CWTH Check
DPME ATM Payment Enclosed
DPMF ATM Payment From
DPMT ATM Payment Transfer
DTRC Account Transfer Closeout
DWTF ATM Transfer Debit
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
DWTH ATM Withdrawal
ECHK Electronic Check
ICHK IAT Electronic Check
IWTH IAT Withdrawal
IWTW Intntl Wire Xfer Withdrawal
LNUS Check in Loan Pymt Batch
ONUS Check - Item Processing
PPOS POS Pinned Purchase
PWTH Point Of Sale Withdrawal
RICB Return Item Chargeback
RTUS Check in Real Time Batch
SDSB POS Purchase Disbursement
WTH Withdrawal
WTHD Descriptive Withdrawal
WTOD Domestic Wire Withdrawal
WTOI International Wire Withdrawal
WTW Wire Transfer Withdrawal
XWTH External Withdrawal
RCIC 6RCC SP-All Remaining Credits BDEP Bill Payment Deposit
REVC 6REC SP-Reversal Credits PDEP Point Of Sale Deposit
PODC Deposit Adj Credit - POD
REVC 6REC SP-Reversal Credits WTHR Withdrawal Reversal
REVD 6RED SP-Reversal Debits DEPR Deposit Reversal
DIVR Reverse Shareholder Dividend
NDVR Non-Resident Dividend Reversal
PODD Deposit Adj Debit - POD
SIGD 6SID SP-POS Signature PPOS POS Pinned Purchase
PWTH Point Of Sale Withdrawal
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SDEK Transaction Reporting Group Code
Transaction Reporting Group Description
Transaction Type Code
Transaction Type Description
SDSB POS Purchase Disbursement
TELC 6TEC SP-Teller Deposits CLDP Closeout Deposit
DEP Deposit
DEPD Descriptive Deposit
LSDP Lease Security Deposit
NA New Account Deposit
TELD 6TED SP-Teller Withdrawals CKUS Over Counter Check
CLS Closeout Withdrawal
LNUS Check in Loan Pymt Batch
RTUS Check in Real Time Batch
WTH Withdrawal
WTHD Descriptive Withdrawal
TRNC 6TRC SP-Transfer Credits DTRN Account Transfer Deposit
DWTT ATM Transfer Credit
TRND 6TRD SP-Transfer Debits DPMF ATM Payment From
DPMT ATM Payment Transfer
DTRC Account Transfer Closeout
DWTF ATM Transfer Debit
WIRC 6WIC SP-Wires CREDIT IWTD Intntl Wire Xfer Deposit
WTD Wire Transfer Deposit
WTID Domestic Wire Deposit
WTII International Wire Deposit
WIRD 6WID SP-Wires DEBIT IWTW Intntl Wire Xfer Withdrawal
WTOD Domestic Wire Withdrawal
WTOI International Wire Withdrawal
WTW Wire Transfer Withdrawal
Institutions should evaluate all transaction types in use. It may be necessary to add transaction types excluded from base DNA code to the appropriate reporting group. Examples include transaction types delivered as part of any application provided by the Custom Solutions Group.
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Account Level User Fields The following user fields support the SMARTERPAY_SPR_IMP batch job. See the “User Fields” online Help topic to associate the SmarterPay specific user fields to each product that is configured for overdraft processing and/or Refund Advisor processing.
User Field Code
Description Data Type
Entity Type Override/YN External Entity Y/N
6NFR SmarterPay NSF/OD Fees Refund Amount from SmarterPay
NBR Acct N N
6SFR SmarterPay Service Fee Refund Amount from SmarterPay
NBR Acct N N
6XNC SmarterPay Special XOD Notice Notification Handling Code
STR Acct N N
6XOD SmarterPay Excessive Overdraft Override Date
DATE Acct N N
SmarterPay_EXP File Layout The comma–separated (CSV) SmartPay_EXP file format includes leading and trailing spaces in an untrimmed field, and the leading and trailing spaces are considered part of the data. Comma and pipe characters are delimiters and are not contained in field values.
SMARTERPAY_Exp output filename (CSV file) is: “InstitutionCode+LOBCode+ProcessGroupCode+Date+_+FileNumber+.SPI” where:
• Institution code is the code set in the SmarterPay Institution Code (6SPI) variable.
• Line of Business (LOB) code is DFLT.
• Process group code is the code set in the SmarterPay Process Group Code (6SPP) variable.
• Date file was generated.
• File number is always 1 as DNA sends this output file to SmarterPay once per day.
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Common Record Output These records include the data for each SDEK for the corresponding accounts. Common records display output in the following format:
Field Format Description
SDEK Alphanumeric Source Data Element Key. Used to map the financial institution’s data elements to SmarterPay SDEKs.
Institution Code Alphanumeric Institution code (4-character maximum).
LOB Code Alpha Line of business code (4-character maximum). DFLT is the defined value for this field.
Process Group Code
Alphanumeric Process group code (4-character maximum). An input file can only contain records with the same process group code. The code is set in the SmarterPay Process Group Code (6SPP) variable.
The 6SGT setting controls whether the process group of an account is derived from the external cross reference configured in 6SGM or 6SGB, or a single group for all records.
Effective Date Date Effective date for the elements.
• Balance SDEKs = date of the balance data
• Account SDEKs = date of the account information
Transaction SDEKs = date of the transaction
Account ID Numeric Account ID.
Count Integer Count of the element.
Amount Money Amount of the element such as collected balance. Amounts are positive unless the SDEK represents a negative balance or a non-zero overdraft limit.
Categorical Alphanumeric Data such as flags, types, dates (MM-DD-YYYY), etc. Delimiters (comma and pipe characters) must not be used in the data.
Note: If any specific column value is not applicable for a given SDEK; e.g., Count and Categorical for balance type SDEKs, a blank or empty value is included in the SPI file.
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Control Record (Summary Record) Output The control record is placed at the end of the file. Each control record summarizes each SDEK in the file with the row count, count checksum, etc., for each SDEK. In the output file, there is always one control record for each unique SDEK. Each control record begins with the CTRL keyword for system identification. Control records display at the bottom of the file.
Control Record Output The control record displays output in the following format:
Field Format Description
CTRL Keyword
Alpha CTRL keyword.
SDEK Alphanumeric Source Data Element Key. Used to map the financial institution’s data elements to SmarterPay SDEKs.
Institution Code
Alphanumeric Institution code (4-character maximum).
LOB Code Alpha Line of business code (4-character maximum). The DFLT value is defined for this field.
Process Group Code
Alphanumeric Process group code (4-character maximum). An input file can only contain records with the same process group code. The code is set in the SmarterPay Process Group Code (6SPP) variable.
Effective Date Date Effective batch processing date of the file (does not reflect transaction dates for data records in the file).
Row Count Integer Number of rows per record type.
Count Checksum
Integer Sum of the count fields or 0 for categorical SDEKs.
Amount Checksum
Money Sum of the amount fields or 0 for categorical SDEKs.
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Sample SmarterPay_EXP SPI File
Reports
SmarterPay Export (SMARTERPAY_EXP) The SMARTERPAY_EXP batch application creates one or more extract files containing Source Data Element Key (SDEK) data for savings and checking accounts (accounts based on the defined Major Product type in the batch parameter MJCD and others) and generates an LIS report.
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SMARTERPAY_EXP Parameters Parameter Code Description Req’d Default
Output File Path
COUP Complete path name where the output file is located. Trailing backslash is optional, e.g., “C:\TEMP\“.
Yes Null
StartDate SD Earliest date to extract transactions from DNA.
If null, the current posting date is used, except when run is a historical load. If run is a historical load, the posting date minus 89 days is used.
If SD is set to a future date, an error displays on the LIS report.
Note: Null for historical load and mass refresh.
No Null
ThruDate TD Most recent date to extract transactions from DNA.
If null, the queue effective date is used.
If TD is set to a future date, an error displays on the LIS report.
Note: Null for historical load and mass refresh
No Null
Major Account Type Code
MJCD Major account type(s) for exported data. If null, Checking (CK) and Savings (SAV) major account types are considered.
For historical load, only include majors of accounts in the overdraft program.
No Null
Minor Account Type Code
MICD Minor account types for exported data. If null, all minor account types in the major account types set in MJCD are considered.
For historical load, only include minors of accounts in the overdraft program.
No Null
Status Codes to Exclude
SCTE Accounts with these statuses are not included in the report output. If null, all deposit account statuses are considered.
If null and run is a historical load, accounts with the following statuses are included in the file: ACT, DORM, IACT.
Note: Null for historical load and mass refresh.
No Null
SmarterPay Mass Refresh YN
6SPM Indicates whether the export file is for delta file or mass refresh.
Y = Mass refresh
N = Delta daily load
Null = Historical load
No N
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Parameter Code Description Req’d Default
Parallel Processing YN
PARA Indicates whether parallel processing is in use.
Y = Use parallel processing.
N = Do not use parallel processing.
The SMARTERPAY_EXP report has the following output:
Field Description
Account Number Customer account number.
Major Type Major account types.
Minor Type Minor account types.
Account Owner Name of the account owner.
Current Balance Current account balance.
Limit Balance Maximum overdraft balance of the account.
Number of Records Extracted
Total number of records extracted.
The SMARTERPAY_EXP generates the following LIS file, saved at the default location:
Sample Report – SmarterPay Export File (SMARTERPAY_EXP)
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Error Messages The following error messages may be returned during batch processing.
Batch Error Messages Description
Combination of CityName, CtrySubdivName, PostalCode may not exceed length 60 for Non US Address
When this error is returned, the following SDEKs are bypassed: PAA1, PAA2, PACO, PACY, PAPC, and PAST because the stored procedure (Pack_GetMailLines.proc_GetMailLine) containing the address lines supports a total of 60 characters.
Value mismatch on combination of PSMX and PSOD account level user field for Acct###########
An error is returned on the SmarterPay_Exp report when an invalid combination of the PSMX or PSOD user fields exists. For example: PSMX = N and PSOD = 1 is not a valid combination.
SP Process Group by MJMI external cross reference is not mapped
If 6SGT is set to MJMI and 6SGM is not mapped in the ExtIntfVarFromValueToValue table, batch processing stops and this error displays on the LIS.
SP Process Group by Branch external cross reference is not mapped
If 6SGT is set to BRCH and 6SGB is not mapped in the ExtIntfVarFromValueToValue table, batch processing stops and this error displays on the LIS.
Product/Account-Level Exclusions Products and accounts can be excluded from batch processing on the DNA Exclude Application Assignment and Exclude Applications screens. See the “Exclude Application” and “Exclude Applications” online Help topics for detailed instructions.
Important! The Maintain OD Threshold (PS_MAINTOD) report modifies account-level overdraft limits to match the applicable product-level setting(s) for accounts in the Premium OD program. The batch application can change the overdraft limit for the Premium OD program account if the overdraft limit is updated during the import of the SmarterPay SPO file. To retain an account-level overdraft limit, PS_MAINTOD must be excluded from batch processing to prevent PS_MAINTOD from processing the applicable accounts.
Delta File The delta file is the daily extract file from DNA to SmarterPay. This extract file contains a mix of data from the major account types defined in the Major Account Type Code (MJCD) parameter and others. This file contains data only when there is any change in count, amount, or categorical value from the previous day’s report. Sending only delta information for deposit accounts to SmarterPay is the recommended approach as the daily file may be large. This approach reduces the file significantly in size as many of the SDEK values do not frequently change.
The delta file approach is not applicable for the following SDEKs for which SmarterPay requires SDEKs value (actual or estimated) throughout the period/day:
• Account balance SDEKs (LEDG, BAVL, COLL)
• Transaction SDEKs
• Exception SDEKs
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Mass Refresh Mass refresh is a process to obtain the last updated value for all critical SDEKs for the major account type(s) defined in the MJCD parameter. A mass refresh is required for SmarterPay data and necessary when the limit file creation process fails to deliver current values for one or more accounts. A mass refresh is usually scheduled on a monthly or quarterly basis as per request by SmarterPay.
Mass refresh files include the most recent value for defined critical SDEKs. These critical SDEKs are defined in the SmarterPay Mass Refresh SDEKs (6SRS) variable. Mass refresh provides the flexibility to dynamically manage critical SDEK lists. The SDEK values are reported to SmarterPay in the extract file regardless of their last maintained date. See the Variables section for more detail about 6SRS.
On the day of a mass refresh, SMARTERPAY_EXP is run with the SmarterPay Mass Refresh YN (6SPM) parameter set to Y. See the Variables section for more detail about 6SPM. The extract file transferred to SmarterPay contains the last updated value for all critical SDEKs and delta values for all other SDEKs.
Historical Load The historical load (i.e., first day load) is a one-time process performed during the integration of DNA with SmarterPay. During the historical load, 90 days of information is supplied to SmarterPay from DNA for SDEKs across all deposit accounts. Data for SDEKS such as account balance (LEDG, BAVL, COLL), transaction, and exception are supplied (actual or estimated) throughout the 90-day period. For other SDEKs, values are supplied only for the final day of the historical load period.
To process the historical (first day) load, the SMARTERPAY_EXP batch application is run with the StartDate (SD) and ThruDate (TD) parameters set to the 90-day time period prior to the system date. The complete file path name must be entered in the Output File Path (COUP) parameter. Other parameter values should be blank.
Before running SMARTERPAY_EXP for the historical load, input must be provided for the following variables: SmarterPay Institution Code (6SPI), SmarterPay Process Group Code (6SPP), and SmarterPay On Limit Flag (6SOL). See the Variables section for more detail.
Note: The stored procedure containing the address lines supports a total of 60 characters. The PAA1, PAA2, PACO, PACY, PAPC, and PAST SDEKs are skipped when the “Combination of CityName, CtrySubdivName, PostalCode may not exceed length 60 for Non US Address” error occurs.
Transactions with an OrigPostDate between the StartDate (SD) and ThruDate (TD) parameters are returned. If those parameters are null, transactions are selected based upon the Current System Post Date (PDAT) institution option value.
SmarterPay Import (SMARTERPAY_SPO_IMP) The SmarterPay Import (SMARTERPAY_SPO_IMP) batch application imports files from SmarterPay. This file is the output file from SmarterPay to DNA with updated overdraft limits computed by SmarterPay for the accounts as shared in the SMARTERPAY_EXP file.
This batch application imports a comma-separated file (SPO file) to update the Max Overdraft Allowed (MOVD) memo balance for the accounts and also generates a report. Data processing errors display in the report.
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SMARTERPAY_SPO_IMP Parameters Parameter Description Req’d Default
Input File Path (IPTH)
Complete path name of the input file location. The trailing backslash is optional (ex. “C:\TEMP\“).
Yes Null
RptOnly_YN (RPT)
Indicates whether to generate an exception report.
Y = Generate an exception report; do not update the database.
N = Update the database and generate an exception report.
Yes Y
SmarterPay_SPO_IMP File Layout A standard record format is used for all data loaded into DNA from SmarterPay. The comma- separated file contains updated/new Max Overdraft Allowed (MOVD) memo balances for active and on-limit accounts shared with SmarterPay in the daily batch file (i.e., SmarterPay_EXP).
The filename of the CSV file follows the date-stamped format: “InstitutionCode+LOBCode+ProcessGroupCode+ModuleID+Date+Extension (SPO)”
Note: If the file has a different date than the Queue Effective Date, an error displays.
Import File Record Output Field Format Description
LIMT Keyword Alpha LIMT keyword.
Institution Code Alphanumeric Institution code.
LOB Code Alpha Line of business code.
Process Group Code Alphanumeric Process group code.
Effective Date Date Effective date of the limits.
Account ID Numeric Account ID.
Default Batch Limit Currency Max Overdraft Allowed (MOVD) memo balance for the account.
Default Online Limit Currency Not in use.
Excessive Overdraft Flag Integer Indicates if an account is in an excessive overdraft state.
0 = Excessive overdraft deactivated or account never activated
1 = Excessive overdraft activated
Note: When excessive overdraft monitoring is not in use, this value defaults to 0.
SmarterPay Limits Processing ON(ONLM)
Integer Indicates whether SmarterPay limit processing is in use.
Y = SmarterPay limit processing is in use
N = SmarterPay limit processing is not in use
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Control Record Output Limit records are generated for active and “on limit” accounts in the following format.
Field Format Description
CTRL Keyword Alpha CTRL keyword
LIMT Keyword Alpha LIMT keyword
Institution Code Alpha Institution code
LOB Code Alpha Line of business code
Process Group Code Alpha Process group code
Effective Date Date Effective date of the file
Row Count Integer Number of rows
Default Batch Checksum Money Sum of the default batch limit fields. This checksum is negative or zero
Default Online Checksum
Money Sum of the default online limit fields. This checksum is negative or zero.
Last field terminator for end of record: Carriage return/line feed
SmarterPay Import (SMARTERPAY_SPO_IMP) The SMARTERPAY_SPO_IMP batch job reads the import file from SmarterPay to DNA. This import file contains new overdraft limit values computed by SmarterPay. Once new overdraft limits are updated for the specified accounts, a LIS file generates in the default location.
Output The SMARTERPAY_SPO_IMP report has the following output:
Field Description
Account Number Account number
Account Owner Name of the account owner
Maj Major account type for which data displays on the report
Min Minor account type for which data displays on the report
Current Balance Balance of the account
Limit Balance Maximum overdraft balance of the account
Effective Date Effective date of limit
Excessive OD Flag Flag indicating an account is in the excessive overdraft state
SmarterPay Limit Processing On (ONLM)
Indicates if SmarterPay Limit processing is on or off:
Y = SmarterPay Limit processing is on N = SmarterPay Limit processing is off
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Field Description
Total Number of Records Processed Total number of records processed in DNA
The SMARTERPAY_SPO_IMP generates the following LIS file:
Sample Report – Smarter Pay Import SPO File (SmarterPay_SPO_Imp)
Error Messages The following error messages may be returned during batch processing.
Batch Error Messages Description
Could not open input file <FileName>. Parameter ‘IPTH’ is not correct
Could not read input file <FileName>. Not able to read input file
File Rejected because the total number of records do not match with CTRL RowCount.
CTRLCOUNT <> LimitCount
File Rejected because file date is different from today date.
CTRL EFFdate is not equal to QueEffDate
Message:- Account#' || $AcctID || ' does not exist in DNA. $AcctID is an account number.
Account number does not exist in DNA
Account is not a Deposit Account. MjAcctTypCatCd is not DEP
SPR:-Account#' || $AcctID || ' is not a Deposit Account. $AcctID is an account number.
Account is not a Deposit Account.
Account is not an Active Account. CurrAcctStatCd is not ACT,IACT,DORM
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Batch Error Messages Description
SPR:-Account#' || $AcctID || ' is not an Active Account
SPO:-Account is not active
Limit is not set for this Account. No record exist for account in AcctMemoBalTyp table
Record is rejected because Record date is Future Date.
LimtEffDate is not equal to QueEffdate
SmarterPay Import SPR File (SMARTERPAY_SPR_IMP) SMARTERPAY_SPR_IMP imports the SPR file returned by SmarterPay into DNA. The SPR file contains new refund amounts computed by SmarterPay for the accounts.
This batch application imports a comma-separated file (SPR file) to update the Max Overdraft Allowed (MOVD) memo balance for the accounts and generates a report. Data processing errors display in the report.
Note: If the file has a different date than the Queue Effective Date, an error displays.
SMARTERPAY_SPR_IMP Parameters The SmarterPay_SPR_IMP file uses the following parameters:
Parameter Description Req’d Default
RptOnly_YN (RPT)
Indicates whether to update the database when generating an exception report.
Y = Generate an exception report; do not update the database.
N = Update the database and generate an exception report.
Yes Y
Input File Path (IPTH)
Complete path name of the input file location. The trailing backslash is optional (ex. “C:\TEMP\“). The batch application processes all SPR files in this location.
Yes Null
SmarterPay_SPR_IMP File Layout The SmarterPay_SPR_IMP file displays in the following layout:
Field Format Description
WFR Alpha WRF keyword.
FI Code Alpha Institution code.
SmarterPay Processing Group Code
Alpha Process group code for SmarterPay account.
Process Group Code Alpha Process group code.
Account Number Alpha Financial institution account number (10 digits, right justified with leading zeros).
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Field Format Description
NSF/OD Fee Refund Amount
Currency Suggested overdraft waiver/refund amount.
Note: Always a positive value.
Service Fee Refund Amount
Currency Suggested service fee waiver/refund amount.
Note: Always a positive value.
Control Record Output The control record displays in the following format:
Field Format Description
CTRL Keyword Alpha CTRL keyword
WRF Keyword Alpha WRF keyword
FI Code Alpha Institution code
ProcessGroup Code Alpha SmarterPay process group code
Effective Date Date Effective date of the file in (MM-DD-YYYY) format
Row Count ALF Number of rows
SMARTERPAY_SPR_IMP SMARTERPAY_SPR_IMP imports the SPR file returned by SmarterPay into the 6NFR and 6SFR DNA account level user fields. The SPR file contains new refund amounts computed by SmarterPay for the accounts. When the SPR file is updated, a LIS report generates to the default location.
Output The SMARTERPAY_SPR_IMP report has the following output:
Field Description
Account Number Account number
Account Owner Name of the account owner
Maj Major account type
Min Minor account type
Current Balance Balance of the account
Limit Balance Maximum overdraft balance of the account
NSF/OD Fees Refund Limit
Maximum insufficient funds and overdraft fee refund amount
Service Fees Refund Limit
Maximum service fees refund
Total Number of Records Processed
Total number of records processed in DNA
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The SMARTERPAY_SPR_IMP generates the following LIS file:
Sample SmarterPay Import SPR File (SmarterPay_SPR_Imp)
Error Messages The following error messages may be returned during batch processing.
Batch Error Messages Description
Could not open input file <FileName>. Parameter IPTH is not correct
Could not read input file <FileName>. Not able to read input file
File Rejected because the total number of records do not match with CTRL RowCount.
CTRLCOUNT <> LimitCount
File Rejected because file date is different from today date.
CTRL EFFdate is not equal to QueEffDate
Message:- Account#' || $AcctID || ' does not exist in DNA. $AcctID is an account number.
Account number does not exist in DNA
SmarterPay Purge Report (SMARTERPAY_PURGE) The SMARTERPAY_PURGE batch application purges account records from the AcctRecmMaxODSrcDataElemKey table that was also purged from the ACCT table in DNA. The SmarterPay Purge Report (LIS) also generated by SMARTERPAY_PURGE displays all SDEKs and related values for accounts, including the total number of accounts purged.
Note: The SMARTERPAY_PURGE report should only be run with your other DNA purge batch jobs after the Account Purge (PG_ACCT) report is completed.
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SMARTERPAY_PURGE Parameter The SmarterPay_PURGE report uses the following parameter:
Parameter Code Description Req’d Default
RptOnly_YN (RPT)
RPT Indicates whether to generating a record report or delete records.
Y = Generate a report of all records from the AcctRecmMaxODScrDataElemKey table for which the account number does not exist in the ACCT table.
N = Delete all records from the AcctRecmMaxODScrDataElemKey table for which the account number does not exist in the ACCT table. Insert a row for purged AcctNbr with SrcDataEleementKeyCd = PRGF and value = 1.
Yes Y
Output The SMARTERPAY_PURGE report has the following output:
Field Description
Account Number Account number
SDEK Code SmarterPay SDEK code
Value Value of the corresponding SmarterPay SDEK code for the account
Total number of account(s) would have been purged
Total number of accounts purged if the RptOnly_YN (RPT) parameter was set to Y
Total number of record(s) would have been purged
Total number of records purged if the RptOnly_YN (RPT) parameter was set to Y
Total number of account(s) purged
Total number of accounts purged if the RptOnly_YN (RPT) parameter was set to N
Total number of record(s) purged
Total number of records purged if the RptOnly_YN (RPT) parameter was set to N
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Sample Report – SMARTERPAY_PURGE Report
Screens
N/A Screen Appearance N/A Scheduling and Re-Run Information (for batch applications) Batch applications can be run any time by supplying the run time parameters.
Notices N/A
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Glossary of SDEK Elements This section describes the following Source Data Elements (SDEK) of SmarterPay: • Balance Elements
• Transaction Elements
• Exception Elements
• Account Elements
• Customer Elements
• Relationship Elements
• Reg E Elements
Balance Elements Balance data elements are used to record the value of customer account balances at the time the extract runs after all transactions are posted for the day.
The following table lists the SDEK for balance elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Collected COLL Collected balance used to calculate the average daily balance for a DDA.
Yes
Ledger LEDG Posted balance. Yes
Continuous Days OD
CDOD Continuous days an account is overdrawn. This value is represented as an amount instead of a count because some institutions assign special meaning to negative values.
Yes
Batch OD Limit BODL Previous processing day’s overdraft limit amount used for batch processing.
Yes
Online OD Limit OODL Previous day's overdraft limit amount used for online authorizations Not mapped for DNA.
No
Legacy Batch OD Limit
LBOL Legacy batch overdraft limit for all accounts sent to SmarterPay based on the financial institution’s current limit setting schemes. The limit may be output as the batch limit for control group accounts. The amount is typically signed to match the BODL SDEK. Not mapped for DNA.
No
Legacy Online OD Limit
LOOL Legacy online overdraft limit for all accounts sent to SmarterPay based on the institution’s current limit setting schemes. The limit may be output as the online limit for control group accounts. The amount is typically signed to match the OODL SDEK. Not mapped for DNA.
No
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Related Balances with Right of Offset
ROFF Balance used for right of offset in charge-off situations.
Yes
Holds HLDS Holds (e.g., hard holds, float, pending authorizations) included in the posting balance calculation during batch processing.
Yes
Charge-Off Principal
CPRN Total principal amount charged off. Yes
Charge-Off Fees CFEE Total fee amount charged off. Yes
Electronic Holds ELHS Any electronic holds on the account including ATM transactions, PIN, POS, teller checks, cashed check transactions, etc.
Yes
Hard Holds HRDS Any hard holds on the account including pledged funds, chargeback holds, tax liens, garnishments, Reg. CC, float, etc.
Yes
Batch Available Balance
BAVL Available funds in the account at the beginning of batch processing. This balance is available to clear items before NSF/OD fees are assessed. (Overdraft protection available funds are not included in this limit.)
Yes
NSF/OD Fees
Refund Amount/$
AVRF Amount used by the financial institution for NSF/OD fees waivers/refunds during the previous night’s batch cycle.
Yes
Service Fee Refund Amount/$
SVRF Amount used by the financial institution for service fees waivers/refunds during the previous night’s batch cycle.
Yes
Transaction Elements Daily transaction data for all accounts. Transaction data elements are comprised of DDA (checking or savings) transaction counts and amounts.
The following table lists the SDEK for transaction elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Continuous/Sustained Overdraft Fee(s) / #,$,A
1BRC Continuous/sustained overdraft fee(s).
Note: When 1BRC is sent, also send NODF.
Yes
Overdraft Fees - Items Paid into Overdraft / #,$,A
2ODF Transaction-level information capturing fees for items paid into overdraft.
Note: When 2ODF is sent, also send NODF.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
NSF Fee - Returned Items/#,$,A
3NSF Transaction-level information capturing fees for items returned.
Note: When 3NSF is sent, also send NODF.
Yes
ACH Credits ACHC ACH credits. Yes
ACH Debits ACHD ACH debits. Yes
ATM Credits ATMC ATM deposits. Yes
ATM Debits ATMD ATM withdrawals. Yes
Bill Pay Debit BPYD Bill payments (debits). Includes payments initiated via internet banking or telephone.
Yes
Chargeback CBKD Chargeback transactions. Yes
Checks CHKD Inclearing and eChecks as defined by Check 21 regulations, which are paper checks converted to ACH debit transactions.
Yes
Fee Waiver FEWR Special institution waiver for NSF/OD fees due to bank error, maximum number of fees per day; or minimum transaction amount as part of a pricing package.
AMOUNT field = Monetary value of the fee
VALUE OF FEE CATEGORICAL field = Transaction waiver code
Note: There is no facility in DNA to track fee waivers due to bank error.
Yes
NSFOD Fee Waivers & Refunds
NFWR NSF/OD fee waivers and refunds. Includes per item fee waivers, extended overdraft fee waivers, and NSF/OD fees waived to analysis.
Yes
NSFOD Fees NODF NSF/OD fees. Includes per item fees and extended overdraft fees.
Yes
OD Protection Credit ODPC Overdraft protection transfer credit transactions to the DDA.
Yes
OD Protection Debit ODPD Overdraft protection payments (debits) from the DDA to the ODP source.
Yes
All Other Fees OFEE Non-NSF/OD-related fees assessed (e.g., monthly service charge, ATM fees, etc.).
Yes
Other Fee Waivers/Refunds / #,$,A
OFWR Other fees (non-NSF/OD continuous fees) waived or refunded for customers. Must be a customer-initiated waiver or refund request. Note: Categorical record contains persnbr of employee that processed the waiver.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Other Non-Customer Initiated Credits
OTHC Non-customer-initiated credit transactions that do not have another SDEK (e.g., reversals, adjustments, etc.).
Yes
Other Non-Customer Initiated Debits
OTHD Non-customer initiated debit transactions that do not have another SDEK (e.g., adjustments, interest, etc.).
Yes
Recurring POS Transactions
RPOS POS settlement transactions that recur on a set frequency.
Yes
POS PIN PIND POS settlement transactions where the customer uses a PIN to make a purchase at a POS terminal. Note: In DNA, all POS debits whether signature or PIN based are included in SIGD. Not mapped in DNA.
No
All Remaining Customer Initiated Credits
RCIC Customer-initiated credit transactions that do not have another SDEK.
Yes
All Remaining Customer Initiated Debits
RCID Customer-initiated debit transactions that do not have another SDEK.
Yes
Reversal Credits REVC Reversals of debit transactions posted to an account.
Yes
Reversal Debits REVD Reversals of credit transactions posted to an account.
Yes
NSF/OD Fee Waivers/Refunds / #,$,A
RFWA NSF/OD fee waived or refunded for customers. Must be a customer-initiated waiver or refund request. Note: Categorical record contains persnbr of employee that processed the waiver.
Yes
POS Signature SIGD POS settlement for PIN or Signature based transactions at aPOS terminal. Note: In DNA, all POS debits whether signature or PIN based are included in SIGD.
Yes
Teller Deposits TELC Teller deposit transactions. Yes
Teller Withdrawals TELD Teller withdrawal transactions. This includes the debit side of a teller cash item.
Yes
Transfer Credits TRNC Customer-initiated transfer credits. Includes transfers initiated at an ATM, internet banking, call center, telephone, etc.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Transfer Debits TRND Customer-initiated transfer debits. Includes transfers initiated at an ATM, internet banking, call center, telephone, etc.
Yes
Wires CREDIT WIRC Incoming wire transactions. Yes
Wires DEBIT WIRD Outgoing wire transactions. Yes
Exception Elements Exception data elements are used to record the daily exception events. Exception data elements are comprised of an event count and amount. The following table lists the SDEK for exception elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Decline NSF DNSF Transaction-level information for transactions declined due to insufficient funds during the authorization process.
Yes
NSF NSFX Individual transaction reversed and returned due to insufficient funds in batch after review by the branch or an officer.
Yes
Paid OD PDOD Individual transactions paid into overdraft in batch after the branch or officer review.
Yes
Auth Paid into OD APOD Transaction-level information for card transactions approved beyond good funds. This SDEK captures the authorization of the transaction and not the settlement.
Yes
Account Elements Account data elements are used to record information related to the accounts. The following table lists the SDEK for account elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Account Reopened Date / $
2BRD Date (MM-DD-YYY) the account was reopened. Yes
Auto loan Delinquency Flag
ALDQ Indicates whether the auto loan with the financial institution is delinquent.
Yes
Auto Loan Flag / $ ALFL Indicates whether a customer has an auto loan with the institution.
Yes
Acquisition ID AQID Financial institution an account was originally from before it was acquired. Not mapped for DNA.
No
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Bad Primary Acct Address / A
BPAA Indicates whether a primary account’s address is no longer accurate or has known issues.
Y = Address known to have issues regarding mailings
N = No issues with address
Note: Not mapped for DNA.
No
Branch Code BRCH Bank branch code (10-character maximum). Yes
Credit Card/Line of Credit Delinquency Flag / A
CCDQ Indicates whether the credit card with the financial institution is delinquent.
Yes
Credit Card/Line of Credit Flag / A
CCFL Indicates whether a customer has a credit card with the financial institution.
Yes
CD/Savings Delinquency Flag / A
CDDQ Indicates whether the CD/savings account with the financial institution is delinquent.
Yes
CD/Savings Flag / A CDFL Indicates whether a customer has a CD/savings account with the institution.
Yes
Close Date CLDT Date (MM-DD-YYYY) the account was closed. Yes
Close Reason Code / A CLSR Reason for closing an account. Yes
Charge-Off Date CODT Date (MM-DD-YYYY) the account was charged off.
Yes
Charge-Off Flag COFF Indicates whether an account was charged off:
1 = Account was charged off
0 = Account was not charged off
Note: Data for charged off accounts is only sent in this SDEK.
Yes
Delivery Preference for OD Notices / A
DPON Notification delivery preference options for overdraft notices.
0 = Send paper letter only
1 = Send electronic letter only
2 = Send paper and electronic letter
3 = Do not send paper or electronic letters
4 = Bulk mail only; do not send paper or electronic letters. Print PDF image file
5 = Do not generate letters
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Delivery Preference for XOD Notices / A
DPXN Notification delivery preference options - XOD Notice Types.
0 = Send paper letter only
1 = Send electronic letter only
2 = Send paper and electronic letter
3 = Do not send paper or electronic letters
4 = Bulk mail only; do not send paper or electronic letters. Instead, print the PDF image file and include in the bulk mail process to physically mail the paper letters to the financial institution
5 = Do not generate letters
Yes
Foreign Address Flag / A
FOAF Indicates an account has a foreign mailing address for SmarterPay notifications.
1 = Account has a foreign mailing address
0 = Account does not have a foreign mailing address
Yes
Special Handling Code for OD Notices / A
HCON Notification handling code options - OD notice types (1-4).
DNML = Do not mail
HOLD = Hold at branch
SPEC = Special handling
FORG = Foreign mail
Note: If an HCON SDEK is received with any of these values, the FOS notification field, NOTIFYFLAG, is set to 4, so FOS prints the overdraft letter and bulk mails it to the corporate bulk address for bulk mail. This SDEK is typically used by institutions that cannot send information via the delivery preference SDEKs. However, they may send both. Institutions can define other four-character handling codes not defined above.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Special Handling Code for XOD Notices / A
HCXN Notification handling code options - XOD Notice Types.
DNML - Do not mail
HOLD - Hold at branch
SPEC - Special handling
FORG - Foreign mail
Note: If an HCXN SDEK is received with any of these values, the FOS notification field, NOTIFYFLAG, is set to 4, so FOS prints the overdraft letter and bulk mails it to corporate bulk address for bulk mail. This SDEK is typically used by institutions that cannot send information send information via the delivery preference SDEKs. However, they may send both. Institutions can define other four-character handling codes not defined above.
Yes
Debit Card Flag HSDC Indicates whether the account has a debit card.
1 = Debit card
0 = No debit card
Note: Based on the agreement types noted in the SmarterPay Debit Card Flag (6SDF) variable.
Yes
Has E-Statement Flag / A
HSES Indicates whether the account is enrolled to receive electronic statements.
1 = Uses electronic statements
0 = Does not use electronic statements
Yes
ODP Flag HSOD Indicates whether the account has overdraft protection.
Y = Overdraft protection
N = No overdraft protection
U = Unknown
Yes
Member Number / A MBRN Member-level account number. Only applicable to credit unions.
Yes
Mortgage Delinquency Flag / A
MGDQ Indicates whether the mortgage with the financial institution is delinquent.
Yes
Mortgage Flag / A MGFL Indicates whether a customer has a mortgage with the institution.
Yes
OBP Code OBPC Institution-specific account-level code referring to the type of account. This element is mapped to the DNA major account type code of the account.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Branch/Officer ID OFID ID of the branch or officer managing the account. If this value is the same as the branch ID, the account is managed by the branch. If the value is alphanumeric, the account is managed by a relationship manager.
Yes
On Limit, Off Limit or Bank-Managed Control Group / A
ONLM Indicates whether a limit is calculated.
Y = On limit; a limit is calculated
N = Off limit; no limit is calculated
C = Bank-managed control group (rarely selected)
Yes
Account Open Date OPDT Date (MM-DD-YYYY) the account was opened. Yes
Other Relationship Delinquency Flag / A
ORDQ Indicates whether the other relationships with the institution are delinquent.
Yes
Process Group PROC Process group determined by the 6SGT variable during processing.
Yes
Other Relationship Flag / A
ORFL Indicates whether a customer has other relationships with the institution.
Yes
Purge Flag / A PRGF Indicates whether an account is marked for purging.
1 = Account is marked for purging
0 = Account is not marked for purging
Yes
In OD Program PSMX Account-level user field indicating whether the account participates in the Premium Overdraft program.
Y = Account is in the Premium OD program
N = Account is not in the Premium OD program
Note: Only used by clients that subscribe to the Premium OD program.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
OD Program Status PSOD Account-level user field that provides additional information regarding the account’s status with regard to the Premium OD program. These are the standard status values. Institutions can create their own values.
1 = Account is active in program
2 = Inactive due to days NSF
3 = Inactive due to a non-accrual loan
4 = Inactive due to draw or sweep
5 = Inactive due to closed account
6 = Member opted out
77 = Inactive employee role on the account
Note: Only used by clients that subscribe to the Premium Overdraft program.
Yes
Rules for liquidity Extension for insufficient funds / A
REIN Liquidity choice beyond Reg E.
For example, the values sent in this SDEK could be:
0 = Default opt out
1 = Customer opt in
2 = Customer opt out
3 = Customer opt out all channels
4 = Bank opt out all channels
5 = Other
Note: When the SmarterPayREIN (6SPO) external interface variables is set to Y, this SDEK value is determined by the mapping found in the ExtIntfVarFromValueToValue table. When 6SPO is set to N, this SDEK is not mapped.
Yes
Account Status STAT Status of the account.
Y = Active
N = Closed
Yes
Statement Cycle / A STMT Account statement cycle.
Note: Used for SPO output frequency.
Yes
Account Status Value STVL Financial institution’s internal account status value. Account status code/number/ID/state at a more granular level than the STAT SDEK. The value may be a number or alphanumeric depending on institution-defined values and descriptions.
Yes
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SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Subproduct Code SUBP Institution-specific account-level code referring to the type of account. Mapped to the DNA minor account type code of the account.
Yes
Excessive Overdraft Override /A
XORD Indicates a manual override occurred on this date (MM-DD-YYYY) for an excessive overdraft account; account is moved to inactive excessive override status. Affects excessive overdraft usage reporting.
Yes
Customer Elements Customer data elements are used to record information about the account holder. The following table lists the SDEK for customer elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Business Name / A BSNM Business name used by the business-type account for SmarterPay notifications.
Yes
Primary Account Holder Address Line1 / A
PAA1 Line 1 of the primary account holder’s mailing address.
Yes
Primary Account Holder Address Line2 / A
PAA2 Line 2 of the primary account holder’s mailing address.
Yes
Primary Account Holder Country Code / A
PACO Country code of the primary account holder’s mailing address.
Yes
Primary Account Holder City / A
PACY City of the primary account holder’s mailing address.
Yes
Primary Email Address / A
PAEA Primary account holder’s email address. Yes
Primary Account Holder First Name / A
PAFN Primary account holder's first name. Yes
Primary Account Holder Last Name / A
PALN Primary account holder’s last name. Yes
Primary Account Holder Postal Code / A
PAPC Zip or postal code of the primary account holder’s mailing address.
Yes
Primary Account Holder State / A
PAST State of the primary account holder’s mailing address.
Yes
Secondary Account Holder First Name / A
SAFN Secondary account holder’s first name. Yes
Secondary Account Holder Last Name / A
SALN Secondary account holder’s last name. Yes
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Relationship Elements Relationship data elements are used to record information about the account holder’s relationship with the institution.
The following table lists the SDEK for relationship elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Age of Relationship AGRL Date (MM-DD-YYYY) the oldest account in the relationship was opened (includes any closed accounts on record).
Yes
Reg E Elements Reg E elements are used to record information about opt-in/out decisions for use in analysis and reporting.
The following table lists the SDEK for Reg E elements:
SDEK Name SDEK SDEK Description SDEK Included with DNA Integration YN
Opt Code OPCD Indecates whether to opt-in/out.
0 = Opt-out
1 = Opt-in
Yes
Channel Indicator CHAC Code indicating the channel (branch, web, VRU, teller, CSR etc.) used to opt-in/out (up to four characters).
Yes
Effective Date of Selection
EFDT Effective date (MM-DD-YYYY) of the opt-in/out selection.
Yes
Additional Requirements Additional Requirements Description
DNA Release Level DNA 4.2.X or higher
Special Release Instructions
Installation Instructions If you are an in-house client, follow the installation instructions available in the "DNAapps" section of the DNA Help files available on the extranet at DNA In-House.
If you are a data center client, a Compass case is automatically created when you order a trial or paid version of a DNAapp and routed to the Data Center team for installation. Data center DNAapp installation typically takes two weeks; however, the time frame varies depending on the complexity of the app, case load, and the responsiveness of the client and/or third parties. Check the app installation status in Compass or contact your Client Service Partner.
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What You Should Do To enable the SmarterPay DNAapp, you must:
• Install the SmarterPay.dnax. See the Installation Instructions section in this document.
• Change the Oracle EXTNDATA and EXTNINDEXES settings to Auto-Extend On with a maximum size set to Unlimited.
• Ensure the proper read/write permissions are granted for folders designated in the Output File Path (COUP) parameter of all SmarterPay batch jobs.
• Configure system and product-level variables. Navigate to: System > Institution > Variables > Calculation Type > SmarterPay Integration Type or SmarterPay Integ. Type Product from the CALCULATION TYPE dropdown list.
• Configure account-level user fields. Navigatie to: System > Institution > User Defined Fields > User Fields. See the “User Fields” online help topic to associate the SmarterPay specific user fields to each product that is configured for overdraft processing and/or Refund Advisor processing.
• Review and update the ExtIntfVarFromValueToValue table, as needed. Navigate to:
• System > System Tables > C-G Tables > External Interface
• System > System Tables > C-G Tables > External Interface Variables
• System > System Tables > C-G Tables > External Interface CrossReference
• Review and update applicable transaction reporting groups, as needed.
• Associate SmarterPay user fields to applicable products.
• Configure new batch jobs.
• Review and update Premium Overdraft variables and batch parameters, if applicable.
Configuration Checklist Item Test
Environment Production Environment
Variables
External Interface Variables
Transaction Reporting Group Mapping
Account User Fields
Parameters
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Revisions Date App Version # Change
1/20/2015 1.0.0.0 Application created
8/29/2016 1.0.0.1 Added 44 new SDEKs, removed 29 SDEKs, and modified 13 SDEKs.
Added two variables (6SAT and 6SGT)
Added the 6SPO external interface variable.
Added four user fields (6NFR, 6SFR, 6XOD, and 6XNC).
Added SMARTERPAY_SPO_IMP batch application.
Removed Input File parameter from SMARTERPAY_SPO_IMP batch application.
Added ExtProcessGrp column to the RPT_AcctRecmMaxOD_Process table.
3/1/2017 1.0.1.0 Removed commas from Categorical Data Element in SMARTERPAY_EXP.
Added count data element for every record in SMARTERPAY_EXP data file.
CFEE and CPRN SDEKs are only included in SMARTERPAY_EXP extract file when an account is charged off.
Changed FEWR and NFWR SDEKs.
5/2/2017 1.0.1.2 Changed Checksum count in SMARTERPAY_EXP extract control record.
5/25/2017 1.0.1.3 Changed calculation for Checksum value in SMARTERPAY_EXP extract file for PDOD, CDOD, COLL, BAVL, HSDC, DNSF, 2ODF, 3NSF, NFWR, and transaction SDEKs in detail and control records.
6/8/2017 1.0.1.4 Changed PDOD, APOD, transaction SDEKs in detail record and updated transaction reporting group.
6/13/2017 1.0.1.5 Corrected the Core API insert statement ApplId for ApplAppl table.
6/14/2017 1.0.1.6 Changed PDOD, APOD, and transaction SDEKs in detail record and updated transaction reporting group.
6/20/2017 1.0.1.7 Changed PDOD, APOD, SIGD, and PIND transaction SDEKs.
7/11/2017 1.0.1.8 Changed PDOD, NSFX
Added two transaction reporting groups: 6AOD and 6POD
Removed the dependence of Batch Start App from SMARTERPAY_SPO_IMP batch job.
7/19/2017 1.0.1.10 Changed code to resolve missing transactions issue.
Removed 6PID SDEK and exception handling.
Updated installation script in SMARTERPAY_SPO_IMP batch job to display memo balance amount correctly on the LIS report.
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Date App Version # Change
8/11/2017 1.0.2.6 Resolved SIGD, FEWR, PDOD, and APOD SDEK issues.
Removed external mapping for the 6AOD and 6POD transaction reporting groups.
8/18/2017 1.0.2.7 APOD and PDOD elements were excluded from SMARTERPAY_EXP historical run.
10/13/2017 1.0.2.8 Updated ALFL, CCFL, CDFL, MGFL, and ORFL to only consider related accounts with a status of ACT, IACT, DORM, or NPFM.
03/2018 1.0.2.8 Updated prerequisite information:
• Change the Oracle EXTNDATA and EXTNINDEXES settings to Auto-Extend On with a maximum size set to Unlimited.
• Ensure the proper read/write permissions are granted for folders designated in the Output File Path (COUP) parameter of all SmarterPay batch jobs.
07/2018 1.0.2.9 The Consecutive Days OD Fee (CDOD) is now sent appropriately when an account becomes overdrawn, and when the account balance returns to zero or to a positive balance. The CDOD also now increments for each additional day the account is overdrawn.
Approved OD (APOD) and Paid OD (PDOD) elements are now sent appropriately for card transactions.
All appropriate Source Data Element Keys (SDEK) are sent when a new account is opened.
08/2018 1.0.2.10 Approved OD (APOD) and Paid OD (PDOD) elements now consider the Reg E Opt In for an account and whether or not the transaction is recurring. The maximum overdraft amount is no longer considered for accounts that have not opted into Reg E for a one-time transaction.
07/15/2019 1.0.3.0 The following Source Data Element Keys (SDEKs) were modified to correct an issue where certain manually posted transactions were not included in the extract file:
• Stop Payment Fee (OFEE and OFWR)
• Non-Sufficient Funds (NSF) Fee (2ODF and NODF)
• Check (CHKD)
Also, all transactions are now selected based on the Post Date (RtxnStatHist.PostDate) instead of the Original Post Date (Rtxn.OrigPostDate).
03/2020 1.0.3.3 The following Source Data Element Keys (SDEKs) were modified to correct an issue where certain manually posted transactions were not included in the extract file:
• Approved OD (APOD) and Paid OD (PDOD)
• Non-Sufficient Funds (NSF) OD (NFS OD)
Also, the time required to run reports has decreased.