Credit Management

The Credit Management jobs include credit control, credit reference and debt recovery activities.

This includes the following jobs:

• Credit Control

  When subscription A billing entity that incurs a charge. Examples include a network attached device whose usage you want to measure and charge for, or a monthly software subscription invoices are produced, payment is generally required within a configurable number of days from the date of invoice. If payment is not made within this timeframe, the subscription usually enters a credit control procedure. The Credit Control job checks for accounts newly in arrears, existing arrears that need to be escalated and accounts in credit control that have paid and thus must be taken out of the credit control process. This job is a scheduled job and typically runs daily.

• Credit Control Monitor

  The Credit Control Monitor job evaluates accounts that are in credit control to determine whether the conditions for them to exit credit control have been met. The job is triggered only when the following are made against an account In the Cloud Monetisation Platform, a billing entity that can be used to manage payments on one or more subscriptions or payments for services. An account can hold details such as payments or invoices. in credit control:

  • An Add or Edit of an Amount in Query
  • A non-recurring payment
  • A sales ledger adjustment
  • A payment recorded in CMP Converged Monetisation Platform. The MDS Global product that supports customer care and billing for digital service providers. using the Record One Off Payment Web Service

  When one of these actions is performed and the account meets the criteria for exiting credit control, this job removes the account from credit control and reverses any service bars.

• Credit Reference

  A Credit Reference Agency (CRA Credit Reference Agency. A company that collects information relating to the credit ratings of individuals and makes it available to banks, finance companies, and so on.) is an organisation that collects information to determine peoples’ credit ratings. CRAs then make this information available to organisations providing credit, such as banks and credit card, loan and finance companies. This job allows an extract of customer In the context of the Cloud Monetisation Platform, an individual or organisation who has signed an agreement to take goods and services from a service provider. A customer receives a bill associated with one or more subscriptions, and can be a single end user or a large company with many subscriptions assigned to one agreement. data to be generated and sent to such an organisation. This is a scheduled job and typically runs once per month.

• Debt Recovery

  After an account has been through the credit control process and the operator is still unable to recover the unpaid debt, the collection of that debt can be assigned to a third party Of software; a reusable component developed to be either freely distributed or sold by an entity other than the original vendor of the development platform. known as a Debt Recovery Agency (DRA Debt Recovery Agency. Companies that specialise in collecting debt when the original creditor cannot get the arrears repaid.). This job is responsible for generating a batch that includes accounts to be referred to a DRA. The batch includes details of the debts be recovered and customer contact information. This is a scheduled job and typically runs once a month.

• Debt Recovery Response

  A DRA can provide feedback to CMP such as the amount recovered and/or payment plans. When CMP receives debt recovery response files, these are automatically detected by a dedicated daemon A computer program that runs as a background process, rather than being under the control of an interactive user. that creates a debt recovery response batch for each file received. This job is responsible for updating account details to reflect the debt recovery progress. This job is automatically triggered whenever a new debt recovery response batch has been created.

 

For more information on jobs, see the CMP 8.1 Batch Jobs and JSON JavaScript Object Notation. JSON is a lightweight format for storing and transporting data, often used when data is sent from a server to a web page. Schemas Guide. Alternatively, in the Administration Console An operations web console that allows batch jobs to be scheduled, run manually and monitored. The console also provides for viewing and modification of business and user applicable system configuration., navigate to Daily Operations > Jobs. Click any job in the Jobs List for more details.

The following daemons are associated with Credit Management:

Type	Category	Activity	Details
Transmission	Credit Management	To Credit Reference Bureau	The Equifax Insight Extract 2001 Transmission Daemon picks up the file produced by the Equifax Insight 2001 Transformation Daemon and transmits this file to the credit reference agency
Transformation	Credit Management	To Experian 2001 Format	The Equifax Insight Extract 2001 Transformation Daemon converts the output from the Credit Reference Extract Daemon to Equifax Insight Extract 2001 format.
Extract	Credit Reference	To Generic Format	This daemon creates and encrypts generic CMP files, which are available for conversion to third party format.
Extract	Debt Recovery	To Generic Format	This daemon creates and encrypts generic CMP files, which are available for conversion to third party format.
Load	Debt Recovery Response	From Generic Format	This daemon is collects and decrypts generic CMP files and creates CMP batches, which are available for processing into CMP by the appropriate batch job
Acknowledge	Debt Recovery Response	Receipt Of	This daemon generates an outbound acknowledgement of an inbound file being processed.
Extract	Debt Recovery	To Generic Format	This daemon creates and encrypts generic CMP files, which are available for conversion to third party format.

 

For more information on daemons, in the Administration Console, navigate to Daily Operations > Daemons. Click any daemon in the Daemons Listfor more details.

The following probes can be run against jobs and daemons in the Comms process:

Stage	Category	Name	Type	Description
Verification	Credit Control	Time Since Last Run	Alert	Alert probe that returns how long in minutes since the Credit Control job last ran in Full Mode.
Batch	Credit Control	Completed	Alert	Alert probe that returns the number of times the Credit Control Job has run today. A value of zero indicates that the job has not run today and an alert will be sent to the recipients configured for this probe.
Extract	Credit Reference	Completed	Alert	Alert returns number of files produced by the Credit Reference Extract daemon today. A value of zero indicates that no outbound files were produced and an alert will be sent to the recipients configured for this probe.
Batch	Credit Reference	Completed	Alert	Alert probe that returns number of times that the Credit Reference Job has run today. A value of zero indicates the job has not run today and an alert will be sent to the recipients configured for this probe.
Extract	Credit Reference	Completed	SLA	SLA probe that returns number of files produced by the Credit Reference Extract daemon today. A value of zero indicates that no outbound files were produced and the SLA has been breached. Because this is an SLA probe, no email alert is issued.
Extract	Debt Recovery	Completed	Alert	Alert probe that returns the number of files produced by the Debt Recovery Extract daemon today. A value of zero indicates that no outbound files were produced and an alert will be sent to the recipients configured for this probe.
Extract	Debt Recovery	Completed	SLA	SLA probe that returns the number of files produced by the Debt Recovery Extract daemon today. A value of zero indicates that no outbound files were produced and the SLA has been breached. Because this is an SLA probe, no email alert is issued.
Batch	Debt Recovery	Completed		Alert probe that returns the number of times the Debt Recovery job has run today. A value of zero indicates that the job has not run today and an alert will be sent to the recipients configured for this probe.
Batch	Debt Recovery Response	Completed		Alert probe that returns the number of times the Debt Recovery Response Job has run today. A value of zero indicates indicates the job has not run today.
Batch	Debt Recovery Response	Completed		SLA probe that returns the number of CMP configuration errors detected by the Debt Recovery Response job today. The SLA is breached if the number of errors is above the defined threshold. These type of errors can be resolved by amending CMP configuration. Because this is an SLA probe, no email alert is issued.
Load	Debt Recovery Response	Completed		Alert probe that returns the number of files received by the Debt Recovery Response Load daemon today. A value of zero indicates that no inbound files were received today and an alert will be sent to the recipients configured for this probe.

 

For more information on probes, in the Administration Console, navigate to Daily Operations > Probes. Click any probe In the Administration Console architecture, a mechanism which allows for the execution of predefined queries and for the comparison of the results of those queries against pre-configured targets. Probes can be reviewed and managed via the Admin Console. in the Probes List for more details.