D140-MAIN-

LINE - Main
procedure
division section

D140-B0000-
OPEN-DATA-
FILES - Open all
files

AMCR trailer
reached/All
Orgs
D140-C0000- processed is
PROCESS-ORGS true
D140-C2050-
LOAD-ORG-
PCT
D140-C1000-
EST-DATES
WSIC-AMCP-
LOAD
WSIC-AMMC-
LOAD

If 1st Org:
WSIC-ATPT-
IO-RQT - read
first txn for
Org
WSIC-AMSP-
LOAD-AMSP

D140-C2000-
PROC-
ORGANIZATI
ON

If Org not
processing:
Logic 1
Else
: Logic 2
D140- AMBS trailer
D0000- reached OR
PROCESS- AMBS Org
ACCOUNTS changes

D140-
D1100-
LOAD-LOGO

If not first
account in
Logo:
D140-
Z0300-
UPDATE-
LOGO

D140-
Z0200-
LOAD-
LOGO-BASE-
REC
Read Logo
Record

WSIC-
AMRT-
LOAD-
LOGO-PCT

D140-
Z0211-
LOAD-
LOGO-
AMRT - load
logo level
account,
ins, fee recs
 D140-
Z0214-
STORE-
LOGO-INT -
load logo
level int recs
Decide PCT
level
Read Logo
desc rec
Read Logo
credit rec

Auto CO
date setting

Establish wh
date for
post dated
txns

Establish
date for
Back dated
txns

D140-
Z0220-
LOAD-OPT-
RPT

D140-
Z0230-
LOAD-USER-
RPT

WSIC-
AMSP-
LOAD-AMSP
- load freq
shopper
points recs
If account
add
pending:
Logic 2
Else
D140-
D0100-
PROCESS-
ACCOUNT-2

D140-
D1000-
LOAD-
RELATED-
RECS
D140-
D1400-SET-
PCT-LEVEL
D140-
D2300-SET-
INT-STATE

D140-
D2303-
FIND-
USURY -
determine
usury entry

WSIC-
AMRT-
FIND-AF-
INDEX -
determine
which
account, fee
tables to use
D140-
D1010-
ALIGN-
ATUC -
process new
billing cycle
in ATUC
Balance
sweep
process

Align AMOI,
AMHB,
AMTF with
account

AMDI(disput
ed items
process)

Align and
load AMSC
recs into WS

Align AMPH

Reset plan
"have"
entries for
all plans

D140-
D1200-
LOAD-
PLAN- Account
SEGMENTS - number
logic 3 changes
 D140-
D1250-
CHECK-FOR-
MISS-RECS -
check for
missing LS
recs

D140-
D1300-
TEST-
DEFERMENT
S

WSIC-DELQ-
PLAN-
AGING -
calculate
total plan
due

WSIC-
AMOA-
PROCESS -
align AMOA

D140-
D2000-PRE-
POST-
PROCESSIN
G
WSIC-AMBI-
ACTIVATE-
ACCTS

If first of
month:
Reset MTD
fields
accumulator
s
INS Initialize For all INS
process products
AMBS new
account
process

WSIC-ATGT-
STD-HIST-
PURGE -
purge txn
history

ACH
prenote
processing

Calculate
stmt related
dates etc.

D140-
D2500-
EVALUATE-
BLOCK-
CODE

Insurance
fiche
number
processing

Temp crlim
expiry
process
 WSIC-ATO2-
POST-CTA-
MAINT -
post CTA to
CMS coll For all ATCL
maintenanc records for
e that account

If first of
year: Reset
YTD fields
accumulator
s in AMBS &
AMPS

WSIC-
AMHB-
ROLL-FI-
HISTORY -
Roll financial
history

WSIC-ATGT-
CARD-FEE -
generate
card fee

WSIC-INT-
INTEREST-
ACCRUAL -
pre interest
accrual -
Logic 4

Transferred
account GL
processing
Branch
number
process

If dual
currency
org:
D140-
E0400-
POST-DEBIT

ATPT
account
number
Perform changes
D140-
D0200-CHK-
PLAN-NBR

If pmt:
WSIC-CRBL-
RESOLVE-
CR-BAL

WSIC-ATPT-
SINGLE-
POSTING -
post current
transaction
WSIC-ATPT-
POST-GEN-
TABLE

WSIC-XFR-
PLANS -
manual plan
transfers
If there is
atleast one
credit bal
plan and a
debit bal
plan:
WSIC-CRBL-
RESOLVE-
CR-BAL

D140-
D3000-
AFTER-
POSTING-
PROC

Send 1st
usage letter
if present

D140-
D3200-
FLEX-
BILLING

WSIC-ATGT-
DC-ACH-
PMT - check
and
generate
direct credit
transaction -
Logic 4
DD
processing -
Logic 5

D140-
D3300-
TEST-CR-
BAL
 WSIC-CRBL-
RESOLVE-
CR-BAL

If AMBS curr
bal < 0:
WSIC-CRBL-
CR-BAL-
REFUND

Else:
Adjust
AMBS,
AMPS credit
bal fields

ATGT-
C0000-
SBAL-
WRITE-OFF -
small
balance
write off

Fraud
Processing

WSIC-INT-
TEST-
RATIFICATI
ON

WSIC-INT-
INTEREST-
ACCRUAL -
post interest
accrual -
Logic 4
If not
charged off:
WSIC-INT-
TEST-
GRACE-
DAYS

PIF(paid in
full) process

WSIC-
AMSC-EDIT
- tag AMSC
records for
purging etc.

Recalc loan
balances

D140-
D4000-
AFTER-INT-
ACCRUAL

D140-
D4100-
POTENTIAL-
CGOFF-TST

WSIC-
AMPH-AGE-
DELINQUEN
CY-PAID
WS-DELQ-
AGING-
TODAY
 WSIC-ATGT-
OVERLIMIT
- overlimit
fee, letter,
reporting
process

WSIC-ATGT-
LATE-
CHARGES -
late fee
process

WSIC-USER-
D140-USER-
FEE-1 - User
Fee 1
process

Similar
process as
above for
User Fee 2-6

If cycle-
today:
WSIC-DELQ-
HISTORY-
UPDATE

D140-
D0110-CHK-
PMT-ROLL-
PLAN - roll
plan if
payment
not received
by due-date
or cycle date
If cycle
today:
D140-
D5000-
STMT-
PROCESSIN
G

If chg-off
complete
AND
end-of-
month AND
cycle-today
D140-
Z1000-
CGOFF-
MIGRATION
If ambs-is-
chgoff

WSIC-
PMTC-PMT-
CONSOLIDA
TE

WSIC-
AMTF-
PROC-SVC-
CHG

WSIC-
AMHB-
UPDATE-
FINANCIALS

D140-
D8000-RPT-
AND-
BLOCK-TEST
 If conv-
account
Processing
for conv
accounts

WSIC-MISC-
SRCH-BLK-
CDE-
MATRIX -
search for
block code
match
WSIC-
ATSM-GEN-
STMT

WSIC-DELQ-
COMP-
DAYS-DELQ
Else

D140-
D5100-
NON-
CGOFF-
STMTS

WSIC-ATGT-
MEMBERSH
IP-FEE -
membership
fee process
WSIC-
ATSM-TEST-
STMT
WSIC-
AMSP-
CYCLE-DAY -
Frequent
shopper
points
process
If cycle
today

If no. of
plans is > 2:
D140-
D5110-
CONSOL-
FOR-STMTS

For all plans

for the
Perform account

If plan is
revolving
and not a
loan plan
WSIC-INT-
BILL-
INTEREST -
Interest
billing
WSIC-CRBL-
RESOLVE-
CR-BAL
DELQ-
G0000-
TEST-AUTO-
REAGING -
Automatic
Reaging

AMTF-
I0000-
PROC-SVC-
CHG

WSIC-
PMTC-PMT-
CONSOLIDA
TE

If pmt flag = temp

fixed payment:
PMTC-B0700-RESET-
PS-PMT-FLAG

For all plans

PMTC-B0100-CONS- for the
LEVEL-1 account

PMTC-
B0200-
CONS-
LEVEL-1-
CONT - build
TPS table
and
consolidate

WSIC-
PMTC-
COMPUTE-
PMT
Misc processing
 For all plans
for the
PMTC-A0400-PLANS account

PMTC-
A0500-
PLAN-
PROCESS -
calculate
MMP for
plan

PMTC-A0100-COMP-
PMT-DUE-CONT

Misc
calculations
PMTC-
A0300-SKIP-
PMT-TEST
WSIC-USER-
D140-BNP-
UPDATE

For all plans

for the
Perform account

If loan not settled

If USER Fee
1 CCI = 3 or
(CCI = 1
AND PI = 1):
USER-
H0100-BNP-
USER1
WSIC-INS-
COMPUTE-
PREMIUM -
Calculate
and bill
insurance
premium
WSIC-
PMTC-
CUST-NOM

If customer
nominated ACH
amount:
PMTC-C0250-CHECK-
CUST-NOM - validate
customer nominated
amount/%age
 If DD participant:
PMTC-C0200-
DETERMINE-CUST-
NOM - calculate proj
ACH payment

If DD criteria
met:
ARD140-
D5200-
TEST-ACH
WSIC-ATGT-ACH-
PMT - Generate ACH
payment

WSIC-DELQ-
COMP-
DAYS-DELQ
- Compute
days
delinquent
WSIC-CRBL-
RESOLVE-
CR-BAL

CLAS-
00000-
MAIN-LINE -
Credit
classification
For all plans for the
Perform account
WSIC-INT-FIND-
TABLE
WSIC-INT-
COMPUTE-BSTFC
D140-
D9600-
STORE-
BSTG - Store
bal subject
to grace

If statement
has to be
produced:
D140-D8000-RPT-
AND-BLOCK-TEST
WSIC-ATSM-GEN-
STMT - Generate
statement

ATSM-
B0200-
ACCUM-
PLANS -
Accumulate
plan level
misc fields

ATSM-
C0100-
PROD-
STATEMENT
-MSTR
 End-If

WSIC-AMBI-
MIGRATION
-EDITS -
check if
account has
to be
migrated to
inactive files

WSIC-AMBI-
MIGRATE-
ACCT - if
checks are
satisfied,
migrate
account

For all plans

for the
Perform account

If loan plan
with rem-
term = 0:
WSIC-SETL-
DETERMINE
-QUOTES -
generate
batch
settlement
quote
End-If
 WSIC-ATRT-
WRITE -
write
relationship
rag records
for AMBS,
AMRM

Else:
WSIC-
ATSM-GEN-
INTERIM-
STMT -
Generate
interim
statement if
flagged
End-If

WSIC-INS-
SET-ACTIVE-
SWITCH -
update ins-
active
switch for
insurance
products if
statemente
d today

D140-
D6000-
POST-STMT-
PROCESS

Misc
updates
related to
deferred int,
ins etc.
D140-
Z1000-
CGOFF-
MIGRATION
- automatic
charge off
process

If account
not cycled
today:

If account is
charged off
or purged:
D140-
COMPUTE-
DAYS-DELQ

Else:
WSIC-DELQ-
COMP-
DAYS-DELQ
End-if
End-if

If AMBS-
LETTER-
REQUEST
has a value:
WSIC-ATRF-
LETTER-RQT
- Generate
letter
request
If CTA
active:
WSIC-ATO2-
EXAMINE-
FOR-CTA -
check
account for
sending to
collections

WSIC-DELQ-
PLAN-
AGING -
Update WS-
PS total due

Temp CRLIM
expiry
process

D140-
Z2000-
CALC-OPEN-
TO-BUY -
Update OTB

AR53PDB-
CASH-
CRLIM-
AVAIL -
Update
AMBS cash
CRLIM and
Cash avlbl
 Update
AMBS loan
CRLIM

If AMBS
issue
pending:
WSIC-ATEI-
BUILD-TAG -
Write
embossing
tag to ATEI

Update
AMBS
Interest
variance
fields

If end of
month:
D140-
D7000-
EOM-ACCT-
UPDATE -
End of
month
account
updates

AR45PD-
CALL-
ARY140 -
Set warning
codes

Misc AMBS
updtes
D140-
D9000-
ACCOUNT-
OUTPUT

WSIC-
AMSC-
PROCESS -
Update WS For all
SC data and records in
move to AMSC for
ATSC the account

D140-
D9100-
OUTPUT- For all plans
ATPS - Write for the
ATPS account

WSIC-
AMDI-ATDI-
WRITE -
Write ATDI

ATRF-
C0000-
ACCT-
BASED -
Write
account
based
reports to
ATRF

AMPH-
Y0000-
OUTPUT-
ACCT -
Write ATPH
 D140-
Z0800-
AMBS-IO-
ROUTINE

Write ATBS
Read next
AMBS
record

D140-
C2200-
NON-POST-
TXN -
Handle non-
post txns for Till ATPT Org
the Org changes

D140-
Z0300-
UPDATE-
LOGO -
Update logo
reports,
totals for
the last logo
read

AMCRRB-
READ-SEQ -
Read next
rec from
AMCR

If ACMR rec
is not Org
rec:
Set all Orgs
processed
to true
 D140-Y0000-
EOJ-SHUTDOWN
- Close all files
STOP RUN
D140-
D5112-PRE-
CONSOL-
PLANS -
Misc WS
updates
D140-
D5120-
CONSOL-
PLANS -
consolidate
like(same
plan From
number, current plan
pmt flag number to
etc.) plans last plan

If
consolidatio
n criteria
met:
D140-
D5130-
QUALIFIED-
TO-CONSOL
-
consolidate
plan data

D140-
D5114-
POST-
CONSOL-
PLANS
Repeat for
UF1 to UF6
WSIC-
AMTZ-
CALC-
AMORT -
Get UF1
amort
amount

WSIC-ATGT-
USER-FEE-1
- generate
UF1 txn
WSIC-
AMCP-
FIND-PLAN

If UF1 bill
fee indicator
= 1:
Add amort
amount to
due etc.
For all plans
for the
account

Populate
ATSM fields

WSIC-
AMPH-
ROLL-
BILLING -
roll billing
hist data
WSIC-
AMPH-
UPDATE-
BILLING -
update
account
level billing
hist data

ATSM-
C1400-
RESET-
AMBS-
DATA -
Reset AMBS
fields
ATSM-
C2000-GEN-
ATRT-TAG

Update
remaining
term for a For all plans
loan plan if of the
not settled account

ATSM-
C1900- For all plans
UPDATE- of the
PLAN-CTD account

WSIC-
AMPS-
UPDATE-
BILL-
HISTORY -
update plan
level billing
history
Reset PS
fields
Font in brown Repeating sections
Font in grey Processing not clear
Font in italics Detailed logic to be expanded later
WSIC definitions AR40WS Misc fields
AR26WS WS PS
AR07WS WS PM
AR50WS WS AMRT