Credit Reference

A Credit Reference Agency (CRAClosed 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 customerClosed 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.

All postpaid accounts in CMPClosed Converged Monetisation Platform. The MDS Global product that supports customer care and billing for digital service providers. can be included in the extract, but certain accounts, for example VIP accounts, can be manually excluded. In addition, once the CRA has been notified that an accountClosed 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. has reached a certain state for example, account holder deceased, or debt settled, that account is excluded from all subsequent extracts.

The extract works as follows:

  • All accounts in the system are initially in scope to be included.
  • The following accounts are excluded:
    • Any with account type that has the isIncludedInCRExtract flag set to false, for example this may exclude VIP.
    • Accounts for which all subscriptions are prepaid are excluded
    • Any that are manually excluded via an entry in the Generic Include Exclude table or via this extract job when it detects accounts that are in states such as:
      • Fraud
      • Deceased
      • Defaulted
      • Settled

If you are investigating why a particular account was or was not included in the extract, consider the following automatic exclusions:

Account state that lead exclusion

 Future Exclusion Logic
Fraud

The first time the job encounters an account when it has an account type usage of Fraud, the job sets a Delete flag on the extract so that the extract is deleted from the Credit Reference Agency’s database. The job creates a Generic Include Exclude record to exclude the record from being extracted again.
Deceased

The first time the job encounters an account when it has an account type usage of Deceased, it creates a Generic Include Exclude record is to exclude the record from being extracted again.
If an account has a zero balance and all post-paid subscriptions have been disconnected, it is deemed Settled.

When the job encounters an account that it deemed Settled, it creates a Generic Include Exclude record to exclude the record from being extracted again.
An Account is deemed to be a Defaulted account if the oldest debt is greater than a configurable period of time, e.g. 4 months in the UK. When the job encounters an account that is in default, it sets a defaulted date and defaulted balance on the Account Master database table for the account. The defaulted date and balance never change again. The account is extracted and indicates to the Credit Reference Agency that the account was in default. The job creates aGeneric Include Exclude record to exclude the record from being extracted again unless the balance or the address associated with the account changes; in which case it is extracted again.

This is a scheduled job and typically runs once per month.

The following daemons are associated with Credit Reference:

Daemon 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.

The following probeClosed 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.(s) can be run against Credit Reference:

Name Type Description
Credit Reference Extract 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.
Credit Reference Batch 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.
Credit Reference Extract 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.

Relevant JSON schemaClosed A specification for JSON based format for defining the structure of JSON data.: