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## 1.2.4.2 Consumer Services - Interest and Charges

This topic describes about the consumer services required for Interest and Charges Implementation.

The below endpoints must be configured under Consumer Services in Oracle Banking Routing Hub:

1. Fetch Interest Rate for A Virtual Account (fetchgcScIcRate)
2. Close Virtual Account (closeIEAccount)
3. Event for account group product mapping (CREATE_EXT_IC_GRP_PRD)
4. Fetch Accrued Interest (fetchAccuredInt)
5. Event to create account group (CREATE_EXT_IC_GRP)
6. Event to Liquidate accrued interest for a Virtual account (liquidateInterest)
7. Fetch Bank Level IC Group (fetchExtICGrps)
8. Fetch Product Map For Group (fetchPrdMapForGrp)
9. Virtual accounts creation to IC system (CREATE_IC_ACCOUNT)
10. Event to trigger Value dated balance fetch (vdbalMaster)

Figure 1-13 Consumer Services - Interest and Charges

Description of "Figure 1-13 Consumer Services - Interest and Charges"

fetchgcScIcRate

This API enables the user to fetch the interest rates for a Virtual Account.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “fetchgcScIcRate”

Request:

    {
      "branch": “string”,
      "account": “string”,
      "extAccGrp": “string”,
      "accGrp": “string”,
      "dateFrom": “string”,
      "dateTo": “string”,
      "ccy": “string”,
      "dateType": “string”,
    }

Response:

    {
      "data":
      [
        {
          "aclass": "string",
          "productCode": "string",
          "ccyCode": "string",
          "udeEffDt": "string",
          "branchCode": "string",
          "RateCategory": "string",
          "productdesc": "string",
          "GenUdeValList":
          [
            {
              "udeId": "string",
              "udeDesc": "string",
              "udeType": "string",
              "udeValue": 0,
              "rateCode": "string",
              "tdRateCode": "string"
            }
          ]
        }
      ],
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

closeIEAccount

This API enables the user to close a Virtual Account.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “closeIEAccount”

Request:

    {
      "source": "string",
      "branch": "string",
      "acc": "string",
      "currency": "string"
    }

Response:

    {
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

CREATE_EXT_IC_GRP_PRD

This API enables the user to generate an event for account group product mapping.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “CREATE_EXT_IC_GRP_PRD”

Request:

    {
      "accGrp": "string",
      "accGrpDesc": "string",
      "accProdList":
      [
        {
          "productCode": "string",
          "productDescription": "string",
          "ccy": "string",
          "open": "string"
        }
      ]
    }

Response:

    {
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

fetchAccuredInt

This API enables the user to fetch the accrued Interest.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “fetchAccuredInt”

Request:

    {
      "brn": string,
      "acc": string,
      "source": string
    }

Response:

    {
      "data":
      {
        "brn": "string",
        "acc": "string",
        "source": "string",
        "totalAccrDr": 0,
        "totalAccrCr": 0,
        "accruedAmtList":
        [
          {
            "acc": "string",
            "brn": "string",
            "prod": "string",
            "frmNo": 0,
            "accruedAmt": 0,
            "drcr": "string"
          }
        ]
      },
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

CREATE_EXT_IC_GRP

This API enables the user to generate an event to create an account group.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “CREATE_EXT_IC_GRP”

Request:

    {
      "accGrp": "string"
      "accGrpDesc": "string"
      "extAccGrp": "string"
      "extAccGrpDesc": "string"
      "extAccGrpType": "string"
    }

Response:

    {
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

liquidateInterest

This API enables the user to generate an event to liquidate accrued interest for a Virtual account.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “liquidateInterest”

Request:

    {
      "onliq":
      [
        {
          "branchCode": "string",
          "accountNumber": "string",
          "productCode": "string",
          "liquidationDate": "string"
        }
      ]
    }

Response:

    {
      "onliq":
      [
        {
          "msgStat": "string",
          "onliq": {},
          "warnings":
          [
            {
              "warningCode": "string",
              "warningDesc": "string"
            }
          ],
          "errors":
          [
            {
              "errorCode": "string",
              "errorDesc": "string"
            }
          ]
        }
      ]
    }

fetchExtICGrps

This API enables the user to fetch a Bank-Level IC Group.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “fetchExtICGrps”

Request:

    {
      "accGrp": "string",
      "extAccGrpType": "string"
    }

Response:

    {
      "data":
      {
        "AccGrpList":
        [
          {
            "accGrp": "string",
            "accGrpDesc": "string",
            "extAccGrpType": "string"
          }
        ]
      },
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

fetchPrdMapForGrp

This API enables the user to fetch a Product Map for Group.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “fetchPrdMapForGrp”

Request:

    {
      "accGrp": "string",
      "productCode": "string",
      "ccy": "string"
    }

Response:

    {
      "data":
      {
        "IcGrpPrdList":
        [
          {
            "accGrp": "string",
            "accGrpDesc": "string",
            "accProdList":
            [
              {
                "productCode": "string",
                "productDescription": "string",
                "ccy": "string",
                "open": "string"
              }
            ]
          }
        ]
      },
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

CREATE_IC_ACCOUNT

This API enables the user to create a Virtual account for the IC system.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “CREATE_IC_ACCOUNT”

Request:

    {
      "accMasterList":
      [
        {
          "acc": "string",
          "childAcc": "string",
          "accountClass": "string",
          "accType": "string",
          "acOpenDate": "string",
          "bookAcc": "string",
          "bookBrn": "string",
          "bookCcy": "string",
          "brn": "string",
          "calcAcc": "string",
          "ccy": "string",
          "custNo": "string",
          "consolChgAcc": "string",
          "intStartDate": "string",
          "sourceSystem": "string",
          "sourceSystemBrn": "string",
          "sourceSystemAcc": "string",
          "chargeBookAcc": "string",
          "chargeBookBrn": "string",
          "chargeBookCcy": "string",
          "chgStartDate": "string"
        }
      ]
    }

Response:

    {
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors":
      [
        {
          "errorCode": "string",
          "errorDesc": "string"
        }
      ]
    }

vdbalMaster

This API enables the user to fetch a Virtual account balance.

Request / Response

SERVICE-CONSUMER = “OBVAM_IC”

SERVICE-CONSUMER-SERVICE = “vdbalMaster”

Request:

    {
      "type" : "string",
      "extRefNo" : "string",
      "sourceCode" :"string",
      "vdBalList":[
        {
        "acc" : "string",
        "brn": "string",
        "ccy": "string",
        "valDt":"string"
        }
      ]
    }

Response:

    {
      "warnings":
      [
        {
          "warningCode": "string",
          "warningDesc": "string"
        }
      ],
      "errors": null
    }

Parent topic: Interest and Charges Implementation