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