Section 7

Account Control Table

Objectives

Upon completion of this section, you will be able to:

 Explain the function of the Account Control Table

 Explain how an Account Control Table relates to the PCT
 List and explain at least three of the processing functions defined on the Account
Control Table

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 CMS 8.0

THE PURPOSE OF THE ACCOUNT CONTROL TABLE

The Account Control table defines some of the specific processing parameters for
accounts controlled by the Processing Control Table ID. These parameters
include:
 Payment due days or date
 Grace day processing
 Minimum payment amount or percentage
 Minimum interest fields
 Consolidated payment processing
 Cash and loan plan limits
 Phantom plans
 Statement generation options

THE PROCESSING CONTROL TABLES

A Processing Control Table (PCT) is composed of PCT IDs and the numbers of
their associated Account Control, Service Charge/Fee, Insurance, and Interest
tables. After setting up all of the Account Control, Service Charge/Fee, Insurance,
and Interest tables that your institution will be using, you can establish Processing
Control Tables that will point accounts, by means of their PCT IDs, to different
combinations of these tables, where the actual processing parameters exist.

Section 7 - 2
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 Account Control Table

PCT IDS

A PCT ID is a three-character alphanumeric code that serves as the default control

over account processing. Every account in CMS must have a PCT ID on its
Account Base Segment.
 If an account is in a private label retail logo, its PCT ID is the RESIDENCE ID
field (state, province, or country where the customer resides).
 If an account is in a bankcard logo, its PCT ID is the ISSUANCE ID field (state,
province, or country where the card was issued).
These fields are located on page 03 of the Account Base Segment record.
Both fields display if the account is in a bankcard logo. Only RESIDENCE
ID displays if the account is in a private label logo.

Although typically used to represent a geographical area, a PCT ID can

also be used to represent a special grouping of customers or accounts
within a logo.

THE ROLE OF ACCOUNT CONTROL TABLES IN THE PROCESSING

CONTROL TABLES
Each Account Control table that you establish is identified by a three-digit
Account Control table identification number (TABLE on ARMY00). To assign an
existing Account Control table to a state, province, country, or logical grouping
enter the Account Control table identification number in a Processing Control
Table (ACCT on ARMF01). Each record, or PCT ID, in a Processing Control Table
defines the processing parameters for a state, province, country or logical
grouping (ex. EMP for employee accounts).
You can set up as many as 998 Account Control tables at each processing level in
CMS—system, organization, and logo. You do not assign an Account Control
table to an account directly. Instead, you assign an Account Control table to a
Processing Control Table ID, then assign the PCT ID to an account.

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 CMS 8.0

ACCOUNT CONTROL TABLE OVERVIEW

The fields contained on the Account Control Table are used for various types of
processing activities. These fields are discussed in detail in other sections of this
manual. The Account Control screens are provided below for your review. Use
the CMS Screens Guide to look up the field descriptions.

ARMY PAGE 00

ARMY ( ) * USER DEFINED TITLE * PAGE 00 08/03/1999

ACCOUNT CONTROL TABLE 16:34:30

ORGANIZATION ( 000 ) LOGO ( 000 ) TABLE ( 001 )

PF1=ARMU PF2=ARMF PF3=ARMR PF4=ARMI PF5=ARVM PF6=INQUIRY

Use the Locate screen in maintenance mode (ARMY00) or inquiry mode

(ARQY00) to identify an existing Account Control record that you want to
modify or query. Use the Locate screen in add mode (ARAY00) to enter
identification numbers for a new record that you want to add. In add mode, you
can copy an existing record to use as a model for the new record.

 An Account Control table can be assigned only to a Processing

Control Table that is established at the same processing level
—system, organization, or logo. For example, you cannot
assign a system-level Account Control table to a Processing
Control Table established at the organization or logo level.

 When using a system-level table, all organizations should be

assigned the same currency code. If organizations have
different currency codes, do not use a system-level table.

Section 7 - 4
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 Account Control Table

ARMY PAGE 01

ARMY ( ) * USER DEFINED TITLE * PAGE 01 08/03/1999

ACCOUNT CONTROL TABLE 16:51:21

ORGANIZATION 000 LOGO 000 TABLE 001

MAINTENANCE TO THIS RECORD AFFECTS THE FOLLOWING PROCESSING CONTROL TABLE IDS

AL AK AZ AR CA CO CT DE DC FL
VA 80 81 82 83 84 85 86 87 88
89 90 91 92

PF1=ARMU PF2=ARMF PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

In the maintenance mode, (ARMY01) appears. This screen reminds you that if
you modify any information on your selected Account Control table, it will affect
the following Processing Control Tables that are using this Account Control table.

Notes___________________________________________

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 CMS 8.0

ARMY PAGE 02

ARMY ( ) ** USER DEFINED TITLE ** PAGE 02 11/15/2001

ACCOUNT CONTROL TABLE 06:36:18
ORGANIZATION 000 LOGO 000 TABLE 001 LAST MAINT 09/06/2001

PMT DUE DAYS ( 99 ) PMT DUE DATE ( 00 ) GRACE DAY BAL ( D )

MINIMUM INTEREST ( 000000050 ) GRACE DAYS ( 25 )
MIN PYMT: AMT ( 000000015 ) PERCENT ( 0100000 ) IND ( 4 )
MIN INT WAIVE LVL ( A ) MAXIMUM AMOUNT ( 000000025 )
MAXIMUM BAL ( 00000000000001001 )

CASH LIMIT FLAG ( P ) % OR AMT ( 00000000000750000 ) CONS PMT PLAN ( 00000 )

LOAN LIMIT FLAG ( P ) % OR AMT ( 00000000000500000 ) CONS INS PLAN ( 00000 )
FEE DISCL IND ( 1 ) CASH PLAN ( 10001 )
FEE DISCL CYCLE ( 2 ) RETAIL PLAN ( 10002 )

CO ACCR INTEREST ( 1 ) SECURITY % ( 100 )

VAR RATE DISCL DAYS ( 060 )

IMMED DORMANT ACCOUNT RATIFICATION ( 1 )
ITO INTEREST OPTIONS ( 1 )

CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=ARMR PF4=ARMI PF5=ARVM PF6=INQUIRY

Use this screen in add mode (ARAY) and maintenance mode (ARMY) to
establish processing parameters for the Account Control table. Use this screen in
inquiry mode (ARQY) to display the parameters of an existing Account Control
table. You cannot enter or change any values in inquiry mode.

ARMY PAGE 03

ARMY ( ) * USER DEFINED TITLE * PAGE 03 08/03/1999

ACCOUNT CONTROL TABLE 18:44:27

ORGANIZATION 000 LOGO 000 TABLE 001 LAST MAINT 08/03/1999

STATEMENT GENERATION OPTIONS:

MAX MONTHS ( 01 )
SUPRESS 0 BAL ( 0 )
CR BAL FREQ ( 00 ) THRESH ( 000000000 )
NBR UNDER ( 00 ) NBR OVER ( 00 )

CURRENCY 840 NOD 2 PER ITEM NOD 2 PERCENTAGE NOD 7

PF1=ARMU PF2=ARMF PF3=ARMR PF4=ARMI PF5=ARVM PF6=INQUIRY

The fields on this screen establish the parameters that CMS uses to generate
account statements for regular accounts and accounts with a credit balance.

Section 7 - 6
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 Account Control Table

REFERENCE LIST

ONLINE

 ARMC – Credit Plan Master

 ARMF – Processing Control Table
 ARMR – Interest Table
 ARMB – Account Base Segment

REPORTS

 Rate Table Maintenance Journal (R11)

 Rate Table File Display (T910/960)

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 CMS 8.0

REVIEW

Answer the following questions to review basic information about the

Account Control table.

1. Place checks beside the valid processing functions defined on the Account
Control table.

____ Interest rate ____ Fee disclosure parameters

____ Cash advance limit ____ Frequent shopper program
____ Phantom credit plans ____ Credit plan assignment
____ Minimum payment ____ Payment due day calculation

2. True or False

_____ The Account Control table number is input on the Account Base
Segment record (ARMB) page 03.
_____ The Account Control table number is assigned to a Processing
Control Table ID.
_____ You can set up as many as 9,998 Account Control Tables at each
processing level.

Section 7 - 8
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