1 - Transact Cheque and Draft Management Foundation (R22)

$TEMENOS
Learning Community
Core Banking
Cheque and Draft Management
Foundation
Guide (R22) (English)

2022 Q2
©2022 Temenos Headquarters SA - all rights reserved.
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Cheque and Draft Management Foundation Learning Community
Table of Contents
Table of Contents ......................................................................................................................................... 2

Document History ......................................................................................................................................... 4
Introduction ................................................................................................................................................... 5
Lesson Overview ................................................................................................................................... 5
Your Course» Objective and Learning Outcomes ................................................................................ 6
Your Course» Timetable ....................................................................................................................... 7
Cheque & Draft Management ................................................................................................................ 8
Cheque & Draft Management ................................................................................................................ 9
Lesson Summary ................................................................................................................................. 10
Cheque Issue .............................................................................................................................................. 11
Lesson Overview ................................................................................................................................. 11
Cheque Stock Management ................................................................................................................ 12
Cheque Issue ...................................................................................................................................... 13
Lesson Summary ................................................................................................................................. 14
Practice ....................................................................................................................................................... 15
Practice 1 ............................................................................................................................................. 15
Practice 1 » Solution ............................................................................................................................ 16
Practice 2 ............................................................................................................................................. 18
Practice 2» Solution ............................................................................................................................ 22
Draft Issue................................................................................................................................................... 23
Lesson Overview ................................................................................................................................. 23
Draft Stock Management ..................................................................................................................... 24
Draft Issue ........................................................................................................................................... 25
Lesson Summary ................................................................................................................................. 26
Practice ....................................................................................................................................................... 27
Practice 1 ............................................................................................................................................. 27
©2022 Temenos Headquarters SA - all rights reserved 2

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Practice 2 ............................................................................................................................................. 32
Cancellation of Cheques and Drafts ........................................................................................................... 38
Lesson Overview ................................................................................................................................. 38
Cheque Cancellation » Payment Stop ................................................................................................ 39
Cheque Cancellation » Payment Stop ................................................................................................ 40
Draft Cancellation » Payment Stop ..................................................................................................... 41
Cheque & Draft Returns ...................................................................................................................... 42
Cheque & Draft Returns ...................................................................................................................... 43
FCY Drafts » Received MT112 ........................................................................................................... 44
FCY Drafts » Processing as Drawee Bank ......................................................................................... 47
EB.MESSAGE.111 .............................................................................................................................. 48
EB.MESSAGE.111 .............................................................................................................................. 49
Lesson Summary ................................................................................................................................. 50
Practice ....................................................................................................................................................... 51
Practice 1 ............................................................................................................................................. 51
Practice 2 ............................................................................................................................................. 56
Practice 3 ............................................................................................................................................. 59

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Document History
Author Version Release Date Comments
TLC CaTS 1.0 1-Jan-22 Initial document.

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Introduction
Lesson Overview
In this lesson, I described what Your Course is all about, Cheque and Draft Management.
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Your Course » Objective and Learning Outcomes

This course will allow you to: Create and Authorise Transactions for Cheque and Draft Issuing. In particular,
you will be able to: Describe the Cheque and Draft Issuing Process, Manage Stock for Cheques and Drafts,
Issue Cheque Books to Customer Accounts, Issue Local Currency Drafts, Cancel Issued Cheques and
Drafts, Use Cheque and Draft Enquiries.
Y,our ure» b·e veandle utco e
This course will allow you to:

u ad
- - - -
In particular you will be able to:

escri1 e e C e ue a d aft lssui, Process
ge Stoc to C eques raf
,. Issue Cheq e Books to Cus o e Acco s
·• I sue Local Cu e cy Dra s
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Cancel Issue C
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Your Course » Timetable

Here's the timetable, we've just started with the Introduction lesson, following this, we will cover Cheque
Issue, Draft Issue, Cancellation of Cheques and Drafts.
Your our en et le

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Cheque & Draft Management

There are different steps involved in the cheque issue management. The first step involves managingthe
stocks. It is common for banker's cheques, drafts, fixed deposit receipts and credit cards, and cheques to
be issued to customer accounts. As for cheques, it is possible to record the receipt of stock, requests for
cheque books from customers, and send cheques for further local printing and actual issues to customers.
The Cheques can be reordered manually using the application. Suppose the automatic option is chosen
during C O B. In that case, the accounts that have reached the minimum holding level of cheques will be
identified, and new cheque issue records will be automatically created with status as defined by the user.
This record can be followed to deliver cheque books to customers as a re-order process automatically. It is
possible to charge the customers while issuing cheque books which could be in addition to charges to be
applied on the usage of cheques and a periodic charge for possession of cheques. When a cheque book
is issued to customers, a range of cheque numbers will be recorded into a cheque register. When cheques
are stopped or returned, this can also be recorded in the cheque register. When cheques are presented,
this is stored in a cheque.register.supplement table. On completion of the above transaction, the cheque
register and cheque.register. The supplement table is updated with the last status on the cheque.
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Cheque & Draft Management

Demand drafts are handled via the Payment Order application in Temenos Core. Retails Banks that issue
Demand Drafts maintain an inventory of the same. The need for inventory maintenance is to maintain an
audit considering they are written orders issued by the bank to its overseas (in some cases local)
correspondents. The bank (in case of local) and its agents (overseas) will pay the beneficiary when the
demand draft is deposited and cleared by the beneficiary's bank. The speed of Demand Draft clearance is
slower than that of remittances however the charges associated with the issuance of Demand Drafts are
less. The requirement is to have the same functionality currently available in cheque issues (for customer
cheques) available for draft issues. Functions including Inventory management (Draft numbers in stock,
Drafts issued and not cleared, Drafts cleared in the last 3 months, auto-generation of next draft number),
Draft Issue, Validations against Payee and Amount during inward clearing, stopping or cancelling a draft,
and Reconciliation when a draft is cleared. Buy Back of Draft (If the customer decides not to encash the
same). Upon completing a transaction, the system will produce multiple advices or outputs.
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Lesson Summary
In this lesson, I described what Your Course is all about, Cheque and Draft Management.
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Your Cours
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Cheque Issue
Lesson Overview
In this lesson, I am going to describe Cheque Stock Management and Cheque Issue.
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Che ue Stock Ch qu lssu

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Cheque Stock Management

Stock.register is maintained by the system to display stock of different types like CHQ, BCHQ, DRAFT,
FDR, CARD etc. ID of the record is derived from stock.REG.ID Field defined in stock.parameter. For
example, the cheques of company 1 could be input as CHQ.GB0010001. Details of stock coming in or
going out are recorded through stock.entry application. The Stock details like cheque type, series, start
number, quantity and account number can be captured. Movement from one stock register to another stock
register can also be entered. The Format of ID for stock.entry is SEYYDDDNNNNN were SE stock entry
application. YYDDD: Year and date of input in Julian date format. NNNNN: Sequence number, which is
unique for date of input. Stock.Entry inputs update details in stock.register. In stock.register, stock series,
stock account no and cheque type entered in stock.entry will be used to form the stock series.
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Cheque Issue
cheque.issue is one of the applications of cheque issue management. The issue of cheques to an account
is controlled by the entry of records in this table. Entry to this table is similar to entering a transaction within
other T24 modules. ID is of three parts. The first part represents the type of cheque as defined in
cheque.type. The second part represents the account number to which cheque leaves are issued. A third
part is a serial number generated by the system indicating the number of times the cheque issue is made
for that account. Cheque.status defines the stages in an issue like request, sent for printing, issued etc. At
the Cheque issue stage, quantity and cheque numbers issued, date of issue and any charges incurred at
issue time are recorded. When the issue record is authorised, the cheque register for the account is updated
with the number issued. A charge entry may be raised for issue depending on the charging structure defined
for the cheque type in cheque.charge table. Charges for the issue of cheques can be based on the current
number held by an account defined in cheque.register. Only accounts with a category defined as allowed
in the cheque.type table may be entered for cheque type being processed.
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Lesson Summary
In this lesson, I described Cheque Stock Management and Cheque Issue.
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Che ueStock Ch qu lssu

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Practice
Practice 1
We will now attempt a workshop to capture Receipt of Stock for Cheques with the following details: We will
capture a Stock quantity of 1000 commencing with Cheque Number 20001 The Cheques are meant for
Company GB0010001. We will mention Cheque type as SPSV as the stock is meant for the Special Savings
Account Product
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Practice 1 » Solution
We can see the Receipt of Stock for Cheques being captured here with the following details: We have
captured a Stock quantity of 1000 commencing with Cheque Number 20001 and the Cheques are meant
for Company GB0010001. We have mentioned Cheque type as SPSV as the stock is meant for the Special
Savings Account Product
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The receipt of Cheque Stock needs to be authorized. We can see the record being authorized here.

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Practice 2
In this workshop we will issue 20 Cheques to an existing Savings Account. We will waive charges for this
request. After authorizing the Cheque Issue we will use the Command line to view the CHEQUE.REGISTER
record for the Savings Account.
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We can see the 20 Cheques being issued to an existing Savings Account here. We have waived charges
for this request.
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The Cheque Issue transaction needs to be authorised. We can see he record being authorised here.
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From the menu select the Account Number. By clicking the find button the system will show a list with the
list of the Cheques Issued. Click on the view button for more details.
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We can use the Command line to view the CHEQUE.REGISTER record for the Savings Account.
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Draft Issue
Lesson Overview
In this lesson, I am going to describe about Draft Stock Management and Draft Issue.
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Drat Soc Ora lssu

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Draft Stock Management

Stock.register is maintained by the system to display stock of different types like CHQ, BCHQ, DRAFT,
FDR, card etc. ID of the record is derived from stock.REG.ID Field defined in stock.parameter. For example,
the cheques of company 1 could be input as CHQ.GB0010001. Details of stock coming in or going out are
recorded through stock.entry application. The Stock details like cheque type, series, start number, quantity
and account number can be captured. Movement from one stock register to another stock register can also
be entered .Format of id for stock.entry is SEYYDDDNNNNN where SE stock entry application. YYDDD:
Year and date of input in Julian date format. NNNNN: Sequence number, which is unique for date of input.
stock.entry inputs update details in stock.register. In stock.register, stock series, stock account no and
cheque type entered in stock.entry will be used to form the stock series.
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Draft Issue
The Demand Drafts are handled via the Payment Order Application in Temenos Core. Banks that issue
Demand Drafts maintain an inventory. The need for inventory maintenance is to maintain an audit
considering they are written orders issued by the bank to its overseas (in some cases local) correspondents.
The bank (in case of local) and its agents (overseas) will pay the beneficiary when the demand draft is
deposited and cleared by the beneficiary's bank.
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Lesson Summary
In this lesson, I described Draft Stock Management and Draft Issue.
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Dra s Stock
Ora lssu
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Practice
Practice 1
We will now attempt a workshop to record Receipt of Stock for 1000 Drafts starting from Cheque number
100. The Cheques are meant for Company GB0010001. Mention Cheque Type as DD and Stock Series
as RAM. Authorise the record and view the STOCK.REGISTER using the Command Line.
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We can see the record for Receipt of Stock for 100 Drafts starting from Cheque number 1 being captured
here.
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We can see the record for Receipt of Stock for 1000 Drafts starting from Cheque number 100 being
captured here. The Cheques are meant for Company GB0010001. We have Mentioned Cheque Type as
DD and Stock Series as CC.
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The Receipt of Stock needs to be authorized. We can see it being authorized here.
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In the command line we type STOCK.REGISTER. Then we click on 'View' button where we can see all
related details for the stock we have just created.
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Practice 2
In this workshop we will issue a Local Currency Draft for USO 1000.00. We will issue Draft Number 100
from Stock Register DRAFT.GB0010001 and Series ID DD*CC* which we captured in the previous
workshop. After Authorising the transaction we will view the Drafts Issued enquiry and Stock Register
Enquiry to see Details of the Demand Drafts issued.
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We can see the issuance of a Local Currency Draft for USO 1000.00 displayed here. We have issued Draft
Number 100 from Stock Register DRAFT.GB0010001 and Series ID DD*CC* which we captured in the
previous workshop.
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We can see the issuance of a Local Currency Draft for USO 1000.00 displayed here. We have issued Draft
Number 100 from Stock Register DRAFT.GB0010001 and Series ID DD*CC* which we captured in the
previous workshop.
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Then we will need to authorize the record by selecting the option Authorize/Delete LCY Draft. We can see
the transaction being authorised here.
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In order to see the 'Draft Issue ' enquiry we follow the path Use User Menu > Retail Operations >Account
Transactions > Drafts Issue/ Account Transfer (PO)> Enquires> Local Draft Enquiries and the we click
on the Local Draft Issue tab.
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Here is the second requested enquiry. By clicking in the related tab, 'Stock Register' the system will display
all related information such as : Stock Register ID, Series Id, Stock Entry ID and Series No.
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Cancellation of Cheques and Drafts

Lesson Overview
In this lesson, I am going to describe Cheque Cancellation, Draft Cancellation, Cheque & Draft Returns,
FCY Drafts and EB.MESSAGE.111.
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Cheque Cancellation » Payment Stop

Payment.Stop table allows all Payment Stop instructions to be recorded. These are input according to the
Account to which they relate. All stop instructions for one Account number are maintained on the same
record. Stop payment validation is based on the cheque.register Field value in account.parameter table. If
this field is set as Yes, then stop payment will be validated for cheque type and cheque number. If this is
set as No, then the payment stop would only look for matching cheque number and not cheque type.
cheques.stopped table records cheques stopped for payment. Further, if the range of cheque number given
for stop payment is not issued to that account, a record with the cheque.type and Account no will be inserted
in cheque.stopped table with payment stopped cheque number. The status of a request for Stop Payment,
a Cheque through swift MT112 messages from payment.stop application can be produced via Soft Delivery.
The message will indicate what actions have been taken to stop payment of the cheque referred to in a
message. MT112's can only be requested when the raise.activity Field in payment.stop Application is set
to "Yes", and only one message can be raised at a time.
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Cheque Cancellation » Payment Stop

The Cheques are handled for payment through account-based applications payment.order, teller,
funds.transfer or data.capture. Duly presented and paid cheques are recorded in the
cheque.register.supplement by the System. Suppose the Payment has been stopped for a cheque. In that
case, when it is presented, override is produced when a cheque number is entered and committed in Funds
Transfer, Data Capture, or Teller Transaction applications. Payment once stopped can also be revoked. If
a cheque is returned for other reasons, the cheque number can be recorded in the cheque.register.
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Draft Cancellation » Payment Stop

Payment.Stop table allows all Payment Stop instructions to be recorded. These are input according to the
Account to which they relate. All stop payment instructions for one Account number are maintained on the
same record. Stop payment validation is based on the cheque.register.supplement settings, we will come
later in the advanced course. The status of the cheque will be updated as stopped. If no such record is
available in the register, it will override that effect.
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Cheque & Draft Returns

The Cheque or Draft returns can be processed at the counter or through clearing via TPH. When the bank
teller finds that the cheque or draft presented by the payee at the counter cannot be paid for reasons such
as signature mismatch, validations errors, insufficient funds and cheque stop, he initiates a process to
reflect in the Temenos Cheque Management System that the cheque or draft has been returned. When the
operator of the payment from TPH or TPH finds that the cheque or draft presented through clearing cannot
be paid for reasons such as signature mismatch, validations errors, insufficient funds and cheque stop, he
or it initiates a process to reflect this in the Temenos Cheque Management System that the cheque or draft
has been returned.
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Cheque & Draft Returns

An event E B.event.type and advice are generated by the cheque.return application after successfully
capturing the details of the returned cheque or draft. The event type is cheque.return and the TEC.item is
CHQ.RET. Bank can track the number of returns for a cheque or draft as in most cheque clearing, and
there are rules about how many times a cheque can be presented for payment. The Return Count attribute
in cheque.register.supplement is increased every time a cheque is returned and indicates how many times
the cheque or draft is returned or rejected. 'Return count' is also updated in the cheque.return table for the
particular cheque or draft return record. Bank can define how many times a cheque can be represented
following a return in the Max Represent Number attribute in the cheque.type parameterization table.
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FCY Drafts » Received MT112

This functionality describes how the swift MT112 message (Status of a Request for Stop Payment of a
Cheque) is received through Delivery from the drawee bank and processed by the system. The drawee
bank sends the MT112 message to the drawer bank or the bank acting on behalf of the drawer bank. This
MT112 message indicates the actions taken to stop payment of the cheque referred to in the message.
This message can be sent to respond to a previous MT111 (Request for Stop Payment of a Cheque) or
similar requests sent through other channels.
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The inward delivery module receives the swift MT112 (Status of a Request for Stop Payment of a Cheque)
message, and the message details are stored in the stop.request.status application. After the MT112
message is stored in stop.request.status, the Cheque and Draft Issue Management module, further
processes the incoming MT112 message (Status of a Request for Stop Payment of a Cheque). A new
Model Bank enquiry displays the received MT112 messages (Status of a Request for Stop Payment of a
Cheque). The enquiry is called "Status of Request Stop Payment of Cheque MT112" and displays all the
MT112 received messages from the system. In the MT112 message, the Drawee Bank can specify their
actions on the draft. Code or 13 in the Answer tag in MT112 (tag 76) indicates that the Drawee Bank has
confirmed the stop. In this case, the system automatically raises a Stop Payment to update the draft status
in the Cheque Register Supplement table as "stopped" .
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The field named "Answer Status Code" is added in CO.parameter to specify the answer codes received in
the Answers field (tag 76) from the incoming MT112 message. Based on this received code, the system
does an action (the action is defined in the field "Action Request Status"). For example, the user can define
the value "13" in this field, which means that "Stop instructions are duly recorded. "The field named "Action
Request Status" is added in CO.parameter to indicate the action done by the system when receiving an
Answer Code. The Answer Code is configured in the field "Answer Status Code". The available action for
this field is "Stop Cheque".
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FCY Drafts » Processing as Drawee Bank

This functionality describes the processing of an FCY Draft from the Drawee Bank's perspective when a
swift MT110 message (Advice of Cheques) is received from the Drawer bank. The Drawer Bank advises
the Drawee Bank to issue a foreign currency draft on their Nostro account maintained with the Drawee
Bank by sending the MT110 message. After the Drawer Bank issues the draft, a need can arise to ask the
Drawee Bank to stop the payment of the draft or cheque, for example, in the case of customer requests or
due to operational exceptions. In such cases, the Drawer bank sends an MT111 message (Request for
Stop Payment of a Cheque) to request the drawee bank stop paying the cheque referred to in the message.
The Drawee Bank sends an MT112 message to the drawer bank (MT112, Status of a Request for Stop
Payment of a Cheque) to indicate the actions taken in attempting to stop payment of the cheque referred
to in the message. When the draft is presented for payment, the Drawee Bank checks if the Drawer Bank
has previously advised and raises a warning if no advice is received. Depending on the procedures of the
Drawee Bank, they send a request to the Drawer Bank to ask for confirmation of the status draft.
» Pro es ng wee Bank

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EB.MESSAGE.111
The field "Cheque Type" is added in E B.MESSAGE.111, the application that stores the incoming and
outgoing MT111 messages (Request for Stop Payment of a Cheque)The information about the cheque
type (stored in the Cheque Type field) is used to map tag 21 from the outgoing MT111 messages.Based
on the information that is mapped in tag 21 of the outgoing MT111 messages (Cheque Type or Cheque
Number), the system uniquely identifies the reference present in tag 21, the cheque number and cheque
type when it receives an incoming MT112 message (Status of a Request for Stop Payment of a Cheque).
The "Answer Status Code" and "Action Request Status" fields are added in CO.parameter. The "Answer
Status Code" field is added to specify the answer codes received in the Answers field from the incoming
MT112 message. Based on this received code, an action is done by the system (the action is defined in
the field "Action Request Status")The field named "Action Request Status" is added to indicate the action
done by the system when receiving an Answer Code. The Answer Code is configured in the field "Answer
Status Code". The available action for this field is "Stop Cheque". Suppose the Answer code indicated in
the MT112 message is the same as the one configured in the "Answer Status Code" field from
CO.parameter, the system checks the action that needs to be applied to the draft for this code. The system
checks this value in the "Action Request Status" field, and if the value indicated in this field is "Stop", then
a new payment.stop record is created in the Internal Account on which the draft is issued (this is determined
based on the Cheque Type).
E ME AGE 111
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EB.MESSAGE.111
After the payment.stop record is created and authorised, the corresponding record from
cheque.register.supplement (where the status of drafts is kept) is updated, and the status is updated to
"stopped.
- M S AGE 111
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Lesson Summary
In this lesson, I described Cheque Cancellation, Draft Cancellation, Cheque and Draft Returns, FCY Drafts
and E B.MESSAGE.1 1 1.
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Practice
Practice 1
We will now attempt a workshop to register a Stop Payment for Cheque Issued to a Special Savings
Account. We will assume that the Cheque is lost. We will recover some Charges of USO 150 using
STOPCHQ Charge Code. After Authorisation we will view the Stopped Cheques enquiry to see the
Stopped Cheques on the Special Savings Account.
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We can see the steps to register a Stop Payment for Cheque Issued to a Special Savings Account displayed
here. We have assumed that the Cheque was lost and we are recovering Charges of USO 150 using
STOPCHQ Charge Code for registering the stop payment.

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After committing the transaction is completed and now requires authorisation.
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As a next step we will need to authorize the record.
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In the Enquiries menu we will select the option 'Stopped Cheques' . We will insert the Account number and
we click the find button.
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Practice 2
In this workshop we will view the Returned Cheques enquiry. We can drill down from this enquiry to view
the details of the CHEQUE.REGISTER.
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We select the specific Cheque Type Account from the drop down menu and click the edit button. We insert
the return Cheque No and commit the record.

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In the returned Cheques option we insert the Current Account and click the 'find' button. And here we SEE
the CHEQUE.REGISTER details.

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Practice 3
In this workshop we will be cancelling a Draft which was previously issued. After authorisation we will view
the Cancelled Drafts from the Local Drafts enquiries.
r C e
s > fL
Dr t
•
•
• u nu 1t ic > Dr fts > E Lo I Dra
- atu o th Da
TE OS

TEMENOS
Core Banking
:f�,
Following the path, we can find and see the list with the existing records. We select one and we click the
Cancel button.

TEMENOS
Core Banking
:f�,
System will load the 'Cancellation of Local Currency Draft' screen. In this screen we click commit the
system will ask via an override Draft will be cancelled we accept.
e > ol
TE OS

TEMENOS
Core Banking
:f�,
In the Local Draft Enquiries, we can click on the 'Local Drafts Cancelled' tab to see the status.
ra ce » ol
TEM OS

1 - Transact Cheque and Draft Management Foundation (R22)

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Guide (R22) (English)

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Cheque and Draft Management Foundation Learning Community

Table of Contents ......................................................................................................................................... 2

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Author Version Release Date Comments

TLC CaTS 1.0 1-Jan-22 Initial document.

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Cheque and Draft Management Foundation Learning Community

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Your Course » Objective and Learning Outcomes

Y,our ure» b·e veandle utco e

This course will allow you to:

In particular you will be able to:

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Cheque and Draft Management Foundation Learning Community

Your Course » Timetable

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Cheque & Draft Management

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Cheque and Draft Management Foundation Learning Community

Cheque & Draft Management

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

Che ue Stock Ch qu lssu

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Cheque and Draft Management Foundation Learning Community

Cheque Stock Management

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

Che ueStock Ch qu lssu

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

ilo s C ue uir >C e e

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

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Cheque and Draft Management Foundation Learning Community

Drat Soc Ora lssu

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