T R E A S U R Y S E R V I C E S. Payables Web Services User Guide - Reverse Positive Pay Basic

Transcription

1 T R E A S U R Y S E R V I C E S Payables Web Services - Reverse Positive Pay Basic

2 Revision history Created: June 2005 Last modified: 03/12/09 Document ID: Version: # 22 PWS RPP Basic This document contains information that is confidential and is the property of JPMorgan Chase & Co. It may not be copied, published, or used in whole or in part for any purpose other than as expressly authorized by JPMorgan Chase. All trademarks, trade names, and service marks appearing herein are the property of their respective owners JPMorgan Chase & Co. All rights reserved. 2

3 Table of contents RECOMMENDED SYSTEM REQUIREMENTS... 4 ACCESS AND SECURITY... 4 HELP PHONE NUMBERS... 4 LOGGING INTO PWS... 5 CHANGE PASSWORD... 6 JPMORGAN ACCESS HOME PAGE... 7 SYSTEM USAGE / DUPLICATE BROWSER... 7 NAVIGATING THROUGH PWS... 8 LOGGING OFF... 9 REVERSE POSITIVE PAY How Reverse Positive Pay Works - Overview...11 Teller Cashed Items...11 Profile Maintenance Changing the Default Decision...12 Adding Accounts To Exception Type Profile Notification...15 Manual Exception Data Entry...18 Exception Data Entry Time Windows and Cutoffs...21 Late Returns...21 Customer Decisions...21 Reverse Positive Pay Exception Item Decision Entry...24 Processing Decisions...29 Past Decision Deadline Access...30 System Usage / Reverse Positive Pay Exception Status...32 Print Images...36 DUAL CONTROL Transactions Eligible for Dual Control...37 How to Approve Transactions...38 Reverse Positive Pay Decisions...38 Reverse Positive Pay Profile Setup...39 AUDIT REPORTS Reverse Positive Pay Reports...40 Exception Activity History...40 Exception Type Profile...42 GLOSSARY

4 Recommended System Requirements Hardware: Operating Systems: Browsers: Communications: PC with 1 GHz CPU, 128MB RAM, 10 GB free disk space Windows (98, NT, 2000, XP) Internet Explorer 6.0 or higher, with font size set to Medium T1 or higher Access and Security PWS ensures that your information receives the utmost protection from unauthorized individuals/users. PWS utilizes a Secure Socket Layer (SSL) Session, which provides a 128-bit Full Strength File Encryption Session plus an RSA Encryption Algorithm. Users must also sign on through JPMorgan s sign on screen using their unique ID and password, and SecurID Token Code if required. Authentication Process Before reaching the PWS web site, the User must enter a User ID and password on the Treasury and Security Services Sign-on screen. If the User ID and password entered does not exactly match the information on file, the User will be unable to obtain any customer specific information, including account and check numbers User IDs that have been inactive for 185 days will be de-activated. Users requiring access after such time will be required to contact their Security Administrator(s) to be re-activated. User IDs that have been inactivate for 365 days will automatically be deleted. Users requiring access after such time will be required to contact their Security Administrator(s) to have their ID re-created. Help Phone Numbers To contact a member of the Technical Solutions Group, call and follow these prompts: Select 1 for English, 2 for Spanish Spell your JPMorgan ACCESS ID Select 5 for Payables Web Services Select 2 for Payables Web Services 4

5 Logging Into PWS 1. Enter your given User Name and Password. If you have a SecurID token, please enter the number shown in the Token Code box. 2. Click on the Log on button. JPMorgan ACCESS Login Screen Note: User IDs and Passwords are case sensitive. 5

6 Change Password At first log on, the password given to you by Treasury and Security Services will expire. You will be prompted to change it. 1. Enter the assigned User ID. 2. Enter the Old Password (or the password that was assigned to you). 3. Enter a New Password (passwords must be 6-8 characters containing letters and numbers, letters are case sensitive) 4. Re-enter your new password in the Re-enter New Password field. 5. Click the Next button 6. You will receive a message that your password has been updated. JPMorgan ACCESS Change Password screen Passwords must be at least 6 characters long and must include at least one alphabetic character and at least one numeric character. The password is case sensitive, meaning if it is established in capital letters, it will need to be entered in capital letters all the time. 6

7 JPMorgan ACCESS Home Page After a successful log on, you will be taken to the JPMorgan ACCESS home page, or referred to as the Portal home page. All applications or modules to which you are entitled are shown on the far left hand side of the screen. To access PWS, click on the Payables link, under Inquiry and Customer Service. JPMorgan ACCESS Home Page System Usage / Duplicate Browser The Following screen is displayed when you attempt to sign on to more than one PWS session. If you have only one browser open and this message is displayed, you did not end an earlier session successfully and the application still records your User ID as active. To use your original session select the close this browser window and work with old browser window option and click Go. To activate the new session select the continue working with the new browser window option and click Go. This will complete the log-off of any other session you have active. 7

8 PWS Main Screen Navigating Through PWS Listed across the top of the main PWS screen, below the JPMorgan ACCESS banner, is a listing of tabs, representing modules and functions of PWS to which you are entitled. To access a module or function, simply click on the specified Tab. However, some modules have sub-functions, which are accessed using Dropdown Menus. To navigate directly to a subfunction of a module, please do the following: 1. Using your mouse, position your cursor over the desired tab. 2. This will display a dropdown menu where you may move the cursor over the desired selection. 3. Once you are at the desired option, click the mouse once to advance to the selected screen. Notes about using the mouse: It is not necessary to double click on any button or prompt. A single click is all that is required to activate the selected screen or activity. Click the Back link to go to the previous screen. Do not click the Back button on the toolbar of the Browser. This will activate a screen telling you that the page has expired. If this happens, click the Refresh button to bring you back to the last activated screen. 8

9 Logging Off To successfully log off of PWS, click on the Exit link in the upper right hand corner of the PWS window. You may also click on the User ID link, also located in the upper right hand corner of the PWS window. This will log you off of PWS and cause the PWS window to close. Then to log off of the JPMorgan ACCESS Portal, click the Logoff link in the upper right hand corner of the JPMorgan ACCESS Home Page. This will take you to a logoff confirmation screen. Portal Logoff Confirmation Click on the Logoff button to complete the log off process. 9

10 Reverse Positive Pay JPMorgan uses the most technologically sophisticated capabilities available in the industry to help protect our customers against check fraud. Reverse Positive Pay through our PWS application, enables customers to use the Internet to review digital check images of Exception Items. While reviewing the items/images online, customers can submit instructions to the bank to Pay or Return each item. PWS provides the foundation for secure, automated and trackable communication between JPMorgan and our customers. It is compatible with Microsoft Explorer and no plug-ins or dedicated software is required. Please note there is an optional browser plug-in available, which may be used for image manipulation when viewing a check image from the Exception Item Decision Entry screen. Features Internet delivery of Exception Check Images (front and back). Multi-account exception data available in a single exception display list. Pay and Return on-line decision functionality, with the ability to skip items for later review. On-line MICR Adjustment Request capability for Serial Number / Amount encoding errors. Manual Entry of Exceptions with instant on-line Review and Decision Capability Print All functionality, creating a PDF report for all exception items for selected accounts. Optional Notification of exception availability Benefits Automated queuing of exception images reduces time-consuming research. Increased security for Pay or Return decisions. 10

11 How Reverse Positive Pay Works - Overview Upon reaching the JPMorgan ACCESS sm portal web site, you will be prompted for an Id and password to ensure authentication. Following successful login, you will see the JPMorgan ACCESS sm Home Page, with a link under Inquiry and Customer Service that says Payables. Upon clicking the Payables link, you will be taken to the PWS Home Page. Across the top of the screen you will see various Tabs, depending on your specific user entitlements. By placing your mouse over the Rev PosPay tab you will see various menu options for the Reverse Positive Pay Module. By either clicking the Rev PosPay tab or selecting Exception Review from the dropdown menu, you will see an Account Summary screen, listing your accounts and the total number of exceptions per account which are available for review. When you select the accounts you want to review, you will come to another page, where you will see an index of items on which we need your Pay or Return instructions. You can click on the row of each item to view images of the front and back of the check. You can select either Pay or one of the Return options in the dropdown box, shown as RTN-<return reason> and submit the decision to JPMorgan. You will receive online confirmation that we have successfully received your submission. The confirmation can be saved electronically to a folder on your computer or sent to your printer to keep a hard (paper) copy on file. There is no required software to install. However, you may install an optional browser plug-in, which enables you to manipulate check images (zoom, rotate, etc). If you choose not to install the plug-in, the Zoom button will not function. and Internet access are the only requirements. Teller Cashed Items Teller Cashed Checks (checks cashed over-the-counter at a JPMC Branch) are not eligible for Pay/Return decisioning. PWS Reverse Positive Pay accounts will reflect Teller Cashed items as Paid Items since they have posted to your DDA Account, but a decision of Return cannot be processed since the item(s) were cashed. If you wish to prevent checks from being cashed at the Teller Line without your being able to review such items, please discuss enabling "Teller Line Protection" with your Treasury Sales Officer or Customer Service Officer. 11

12 Profile Maintenance Changing the Default Decision To access this screen, position your mouse over the Rev PosPay tab and click Exception Profile Maintenance. Dollar Cut Exception Type Profiles: This type of profile will display all items whose amount is greater than the dollar amount threshold established at setup. In a Dollar Cut profile you also have the option of establishing additional Exception Types as well as submitting additional Exceptions to the bank. As such, the Dollar Cut Exception Type profile screen allows you to enter any additional custom Exception Types / Codes you wish to create. Each Exception Type / Code must have a corresponding default Pay or Return decision. Please Note: Currently, you may establish ONLY ONE Dollar Cut Profile per PWS setup. Access Profile Maintenance Exception Profile Maintenance - Menu 12

13 Select Profile Reverse Positive Pay Maintain Exception Type Profiles Change Default Decision Reverse Positive Pay Maintain Exception Type Profiles All Items 13

14 Adding Accounts To Exception Type Profile In the Accounts Not Assigned to Any Profile box on the Reverse Positive Pay Maintain Exception Type Profiles screen, you will see every account to which you have entitlements, which has not already been added to an existing Exception Type Profile. Please Note: A single account can only exist within one profile. To assign an account to the profile currently being edited, click on the account in the Accounts Not Assigned To Any Profile textbox, and then click the arrow to the right of the box, which points to the right. Conversely, to remove an account from the profile currently being edited, highlight the account in question in the Accounts Assigned to Profile textbox, and then click the arrow in the middle pointing to the left. After all updates have been completed, click the Save button. Add Accounts 14

15 Notification notification, indicating the number of exceptions per account in the corresponding Exception Type Profile, is available as needed. Once an exception profile is created, notification may be associated with the profile using the following screens. Generally, notification is not needed for Customer Defined exception profiles, which require a kickback file to be sent to the bank. However, for All Items and Dollar Cut profiles, s may be desired once the bank has made these exceptions available. Exception Setup Menu 15

16 From the following screen, a profile must first be selected. Exception Setup Select Profile Exception Setup Profile Details 16

17 From this screen a profile may be flagged/unflagged for Notification, by placing or removing a check mark in the Setup for Profile checkbox. If notification is selected, a time must also be indicated, which will be used each day within PWS to know when to send s. The number of recipients per profile is unlimited. To add a recipient, simply enter an address, name, and phone number for the specified user, and click the Add button. To edit information for a specified user, click any of the red links under the ID, Contact Name, or Phone # columns. Exception Setup Edit Recipient Details To activate/inactivate an recipient, click the checkbox labeled Active for the specified user. To delete an recipient permanently, click the checkbox labeled Delete. 17

18 Manual Exception Data Entry The Reverse Positive Pay Exception Data Entry screen is used to manually key in exception items, which require your Pay or Return decision. To access this screen, position your mouse on the Rev PosPay tab and select Exception Manual Entry. Exception Manual Entry - Menu On the screen that appears, select an account number from the Account Nbr dropdown. 18

19 Reverse Positive Pay Exception Data Entry Please Note, If the selected account has not been assigned to any Exception Type Profiles, you will see a message stating, There is no Exception Profile associated with this account. Please select another Account. If the account has been assigned to an Exception Type Profile, the following screen will appear. 19

20 Reverse Positive Pay Exception Data Entry Key in the Check Number, Amount, Paid Date (if defaulted date is incorrect), and Exception Type. Once all info is entered, click the Submit button. Items will be validated in real time, with valid items shaded in green and invalid items shaded in red. 20

21 Reverse Positive Pay Exception Data Entry Validated Item Submitted For Review Exception Data Entry Time Windows and Cutoffs Kickback files and manually entered exceptions must be received prior to 12:00 PM BPT (Bank Processing Time) for making decisions on the same day. The Manual Exception Entry screen will not allow exceptions to be keyed in between 12:00 PM BPT and the decision cutoff time. Any exceptions received after the decision cutoff time will be processed on the next business day. Late Returns Exceptions entered with a Paid Date earlier than the default Paid Date will be accepted on PWS. However, if the decision of Return is selected for these items, they will be treated as Late Returns. The bank makes no guarantee the return will be accepted by the Bank of First Deposit. Customer Decisions To access the exceptions, either click the Rev PosPay tab, or position your mouse on the Rev PosPay tab and select Exception Review from the dropdown menu 21

22 Reverse Positive Pay Exception Review Menu Reverse Positive Pay Exception Review Summary 22

23 Each account to which a user is entitled is shown on this screen, with an indication of a status and how many exceptions are available for review (if the account has exceptions for the current day). The following is a list of what you may see in the Status column. Exceptions Not Available There may be exceptions today, but the bank has not received a kickback file, and no exceptions have been entered manually. No Exceptions Today If a kickback file was received with no items (null file), or if an ALLITEMS or DOLLARCUT profile are determined to have no exceptions, then the No Exceptions Today status will be shown, meaning the bank knows of no exceptions for the day. No Decisions Pending All decisions have been made for the exceptions previously identified. Exceptions Available Exceptions have been loaded, which require your review. You may review all exceptions for all accounts from this screen by clicking on the link at the top under the Decisions Pending column (which shows a number), or you may select specific accounts by clicking the checkbox in each line, and then clicking the Review Selected link. Alternatively, you may click the Advanced Search link, which takes you to an Advanced Search page, where you may select accounts, exception types, check number ranges, amount ranges, etc. Screen Features: Displays the total number of exceptions needing service and the number of exceptions that have been serviced, showing a grand total and a break down by account. Contains filters for selecting exceptions by Account Groupings, Exception reasons, and/or Check or Amount Ranges (Advanced Search) Displays a status of each account, indicating if exceptions are being reviewed by the bank, available for the customer to review, or being reviewed by another user. The status also shows if an account does not have any exceptions. Print Images button, which creates a PDF report of all exception items for the selected accounts. 23

24 Advanced Search Screen Features: Select exceptions based on selected account(s) Select exceptions based on selected exception type(s) Select exceptions based on check number range Select exceptions based on amount ranges Reverse Positive Pay Exception Item Decision Entry Upon choosing the subset of exceptions to review from the Positive Pay Exception Review Summary screen, you will be taken to the Positive Pay Exception Item Decision Entry screen, where you will see a listing of checks to review, as well as the check image. 24

25 Reverse Positive Pay Exception Item Decision Entry The bottom half of this screen shows an index of items on which we need your Pay or Return instructions. You can click any part of a line in the grid to view images of the front and back of the check. You can select either Pay or Return by clicking the appropriate checkbox. If you click Return, a listing of Return Reasons will appear in a dropdown box to the right. If the bank has a default Return Reason on file for your account, that Return Reason will be pre-selected. Otherwise, the dropdown box will default to Refer to Maker. If desired, you may apply the same Pay or Return decision to all items on the screen by using the Pay/Return All checkboxes in the column header at the top of the grid, below the check image. When choosing Return All, a Return Reason dropdown box will appear in the header, which may be used to apply the same Return Reason to all items shown on the page. You will also notice a Dropdown box labeled Items Per Page. This allows you to indicate the maximum number of items you want to view per screen. Please keep in mind, the higher number of exceptions selected in this Dropdown, the higher number of exceptions will be locked by your User ID, and therefore inaccessible to other users within your company. Screen Features Allows the user to select how many items they want to view at a given time. Shows a running total of how many exceptions are pending, decisioned, and being decisioned. 25

26 Provides the check image on the same screen, so the user does not have to access another screen. Locks the items displayed to the individual reviewing them. This means that if there are multiple individuals with access to the same set of exceptions, only the individual who has the items displaying on their page will be able to submit pay/return decisions. This is essential to prevent multiple pay / return decisions being submitted on a single item. Provides exception reason values. Each exception detail line has a customer-defined alphanumeric code identifying that item s exception type. These codes are contact sensitive. Dragging your cursor over the exception reason will display a text description of the exception type. For example, a 123 exception type may display a No Matching Issue Found message. Shows the Default Decision for each Exception Type on the screen. Print Images button, which creates a PDF report of all exception items shown on the screen. Dup Search button, which adds any duplicate checks paid from a prior date, which match the check numbers of the current day s exceptions. Please note, any exceptions added to the exceptions list using the Dup Search button will need a Pay/Return decision applied. Online adjustment requests. The Reverse Positive Pay module allows users to submit adjustment requests on Check Numbers and/or Amount. On the RPP Exception Item Decision Entry screen, below the image of the check, the screen shows the Check Number, Account Number, and Amount, in blue text. Below the Check Number and Amount are textboxes where you may enter Adjustment Requests. To request an adjustment on a check, please enter the corresponding Check Number and/or Amount for the presently highlighted check, and then click the Adjust button. The Adjustment Request will be shown in the grid at the bottom portion of the screen, and a decision of Pay will be selected. 26

27 Rev PosPay Exception Item Decision Entry screen, with an Adjustment Request shown When your decisions have been made, click the Submit Selected Decisions button. You will receive online confirmation of what you have submitted, asking you to confirm the information is correct. 27

28 Reverse Positive Pay Submit Decisions All Pay decisions appear in bold blue, whereas all Return decisions appear in bold red. If the information shown is correct, click Submit & Continue. This will send the decisions to the bank for processing. If the information shown is not correct, click Modify Decisions. This will take you back to the previous screen, where you can edit your decisions. The confirmation can be saved electronically to a folder on your computer or sent to your printer to keep a hard (paper) copy on file. There is no software to install. and Internet access are the only requirements. Standard Return RPP Return Reasons are incorporated as follows: Pay RTN-Refer to Maker RTN-Duplicate Item RTN-Stop Payment RTN-Altered Amount RTN-Endorsement, Improper RTN-Endorsement, Missing RTN-Forgery RTN-Lost/Stolen RTN-Paid, Not Issued RTN-Payee, Altered RTN-Post Dated Check RTN-Signature RTN-Signature, Invalid RTN-Signature, Missing RTN-Stale Dated Check 28

29 RTN-Suspect Item Check Charged In Error Processing Decisions You can select to pay or return an item directly from the RPP Exception Item Decision Entry screen by selecting the appropriate checkbox on the detail line, and then choosing a Return Reason for each item you chose to return. To skip an item, simply do not mark any of the decision checkboxes for that check. If desired, you may apply the same Pay or Return decision to all items on the screen by using the Pay/Return All checkboxes in the column header at the top of the grid, below the check image. When choosing Return All, a Return Reason dropdown box will appear in the header, which may be used to apply the same Return Reason to all items shown on the page. Once decisions are applied to the items on the page, they must then be submitted back to JPMorgan using the Submit Decisions button. At this point, the bank has recorded NO decisions. Items not marked as Pay or Return when you click on the Submit Decisions button are automatically released back into the decision pool, and are available for further review and decision by your exception review personnel. Once the Submit Decisions button is clicked, a verification screen will be displayed. This screen can be printed directly by using your Browser s print function. However, this is not a confirmation of decisions submitted to the bank. This is a verification screen, allowing you to either submit the decisions shown, or make corrections. 29

30 Reverse Positive Pay Submit Decisions Clicking the Submit & Continue button submits the items to the bank which were shown on the screen, and then brings you back to the exception-listing screen and refreshes the exceptions displayed. Only those exceptions that have not been decisioned will be displayed. Past Decision Deadline Access Each business day, pay/return decisions must be recorded and submitted back to JPMorgan Chase by the afternoon deadline. When the decision deadline is reached, PWS will automatically apply the default decision (determined at setup) to all exceptions remaining open. Attempting to access the system after the deadline time will result in the message shown below in the Status column. 30

31 Review Exceptions Screen Accessing exceptions beyond cutoff time. 31

32 Reverse Positive Pay Exception Review Summary - No Pending Exceptions This screen will be displayed if a user accesses the Exception Review menu option and all decisions have been made for the day or there we no exceptions for an Id. System Usage / Reverse Positive Pay Exception Status The Payable Web Services Reverse Positive Pay application provides detail status information, MICR data and image download capability from the Reverse Positive Pay Exception Status Screen Move your mouse to the Rev PosPay tab and select Exception Status. This will take you to the Reverse Positive Pay Exception Status screen. 32

33 Reverse Positive Pay Exception Status This screen shows summary information for each account individually. The numbers under Total Exceptions, Not Reviewed, Reviewed, Adjusted, Rejected, Pending Approval, and Approved are hyperlinks to a detail page, shown below: 33

34 Reverse Positive Pay Exception Status Details Screen Features: MICR detail on each exception to which you have access Pay, Return or Open status on each item. User ID and timestamp of individual who made Pay / Return decision. User ID and timestamp of individual who approved the items, if you are setup for Dual Control. On the Reverse Positive Pay Exception Status screen (shown above), there is a link for downloading images and/or MICR details. The Download MICR and Download Images processes are similar in functionality. Click either the Download MICR or Download Images link. This will bring up a download dialogue box. 34

35 Download screen Select Save this file to disk and click OK The next window will ask you to select the directory into which you would like to place the file. Save As screen Browse for the correct location and click Save. This will begin the download process. When complete the following will be displayed. 35

36 Download progress The MICR data can be viewed through Microsoft Excel by opening up the microline.csv file. The Check Images can be viewed by opening up the images.zip file and selecting a *.jpg file from those listed. There are two *.jpg files for each check image, one for the front and one for the back. Zip file contents Print Images From the Exception Review, Exception Item Decision Entry, and Exception Status screens functionality exists to create a PDF report of all selected exception items. The report generated contains the front and back of a single check per page. In the upper right hand corner, below your User ID is a link called Inbox. By clicking on that link, you will see your Inbox, where the last 5 days of Print Images requests are shown. 36

37 Inbox Dual Control From this screen the status of each request is shown. Once the report status shows Available, a View link appears. By clicking on View, you may either Save the report to your desktop or Open it. In the report you will see one page per check, with the front and back of each check on the same page. After five days, Print All reports are deleted from PWS. Please note, the amount of time required to create a Print Images report depends on the number of exception items included. Requests containing a high number of checks, as well as requests for old checks will take more time to fulfill than a request for a small number of recently paid checks. Customers who prefer a secondary level of approval before certain transactions are processed now have the option to request Dual Control throughout the various modules of PWS. Benefits Transactions requiring secondary approval will not be processed by the bank. Customers whose internal controls require a second person to view and approve transactions can be accommodated easily on PWS. More secure than a shared company fax machine. Transactions Eligible for Dual Control The following transactions are eligible for Dual Control, by customer request. 37

38 Exception Pay or Return Decisions Exception Type Profile Maintenance How to Approve Transactions At the top right of the screen is a tab called Approvals. This tab is visible only to users designated at setup as Approvers. By placing your mouse over the Approvals tab, a dropdown menu appears showing each approval screen to which you have entitlements. Each Approval screen has a dropdown menu for selecting a specific Account and/or Operator. Alternatively, you may leave both dropdowns at the default of All. You may also select how many items per page are displayed. Note: You may NOT approve transactions initiated by yourself. Dual Control requires a second user. If another user enters a transaction requiring approval, and you edit that transaction, you become the submitter, and are therefore no longer eligible to approve it. Reverse Positive Pay Decisions From the Approvals tab, choose RPP Exceptions Approval. The screen that appears shows all Reverse Positive Pay Decisions submitted by a user within your company, which has not yet been Approved or Rejected. Reverse Positive Pay Approve Exceptions To view or print details of an Exception item, click the number in the Rec ID column. This will show an image of the check. 38

39 To Approve, Reject, or Skip a transaction, select the appropriate radio button in the Approve/Revoke/Skip column. By default, all exceptions are pre-selected as Approved. If any items should be Rejected, change the decision to Reject prior to clicking the Submit button. Once you have decisioned all transactions desired on this page, click the Submit button, which then authorizes the bank to act on all Approved decisions. All Skipped items will remain unprocessed, and all Rejected items will be sent back for further review and decisioning. If items are still in the Pending Approval queue at the decision deadline, the default Pay or Return decision will be applied Reverse Positive Pay Profile Setup From the Approvals tab, choose RPP Profile Maint. Approval. Select any filter criteria you want, and click the List button. The screen that appears shows all Reverse Positive Pay Profilt Setup updates submitted by a user within your company, which has not yet been Approved or Rejected. Reverse Positive Pay Profile Setup Approval To view or print details of a Profile update, click the name in the Profile Name column. This will show details on the request profile update. To Approve or Reject a profile update request, select the appropriate radio button in the Approve/Revoke column. By default, all update requests are pre-selected as Approved. If any items should be Rejected, change the decision to Reject prior to clicking the Submit button. 39

40 Once you have decisioned all requests on this page, click the Submit button, which then authorizes the bank to act on all Approved requests. All Rejected updates will be discarded. Audit Reports Audit reports, also known as Activity Reports, are available on PWS from the Reports tab. To access the reports under this tab, place your mouse over the Reports tab. A dropdown menu will appear listing each report to which you have entitlements. Reverse Positive Pay Reports Exception Activity History To view this report, select RPP Exception Activity History from the Reports tab. On the screen that appears, the information for the current processing date appears. If desired, you may change that date and click the Refresh button. Reverse Positive Pay Exception Activity History Summary On this screen, you may download the MICR detail on selected accounts, by clicking the checkbox next to the desired accounts, and then clicking the Download Details. To view detail on multiple accounts, select the desired accounts by clicking on the checkboxes at the right of each account, and then clicking the View Details. To further filter the information shown on the screen, you may use the Advanced Search link to the right of the Refresh button. 40

41 Reverse Positive Pay Exception Activity History Summary Advanced Search The Advanced Search screen above will take you back to the Reverse Positive Pay Exception Activity History Details screen. 41

42 Reverse Positive Pay Exception Activity History Details On this screen you can download the MICR detail, if desired, by clicking on the Download Details link. Exception Type Profile To view this report, select RPP Exception Profile Report from the Reports tab. On the screen that appears, all Exception Type Profiles that have been created for your company will appear. If you need to filter this report, you may select a specific profile from the Select Exception Profile dropdown. 42

43 Reverse Positive Pay Exception Profile Report Glossary 128-bit Full Strength File Encryption Session The strength of the SSL session between a browser and server depends on the strength of the session key that is generated during session negotiation. This is a symmetric key used to encrypt and decrypt data exchanged by the browser and server. Browsers and servers usually negotiate the strongest mutually supported session. This means that if the user's browser and your Web server both support 128- bit SSL sessions, a 128-bit session is established. If the user's browser only supports 40-bit SSL sessions, then a 40-bit session is established even if your Web server supports 128-bit sessions. Account Number A unique number assigned when an entity/corporation opens a Demand Deposit Account (DDA) at a financial institution. JPMorgan uses this number to identify the bank account to which disbursement information is reconciled. ARP Account Reconciliation Program. This is the system used to reconcile accounts subscribing to the account reconciliation service. Auto Return 43

44 An optional service available for Maximum Dollar, Minimum Dollar, and Stale Date exception types. By choosing Auto Return for these exception types, you tell the bank you want all checks matching these exception types to be returned automatically, without being reviewed by you first. Auto Returned exceptions are still included in the total number of exceptions reported to you in your notification, and they are visible from the Exception Status screens. These exceptions are also included in CSV and/or Image downloads. The only place Auto Returned exceptions are not available is the Exception Item Decision Entry screen and the Approval Screen (Dual Control). Exception charges still apply, just as they do for any other exception type. Cancel A transaction type which may be included in an Issue File or sent via the Issue Manual Entry screen, which tells the bank the specified account and check number are not valid. A cancel remains on file for the current reconciliation period only, and is not meant to replace a Stop Payment request. If a check presents after the reconciliation period in which a Cancel was placed, the check will present as a Pay No Issue exception, and not as a match against a Cancel on file. Check Image Advanced technology makes it possibly to optically scan and capture a digitized image of the check. Grayscale images contain the details on the front of the check, such as the background and any other peripheral data. Check images are admissible in a court of law, according to Rule 1003 of the Federal Rules of Civil Evidence. CSV Comma Separated Values file, also referred to as a Delimited file. This is a file containing database records, with each field separated by a comma. Daily Presentments A list of all the checks delivered to the paying bank (JPMorgan) by the Federal Reserve and other Same Day Settlement banks for a particular day. Decision Deadline The hour by which the client must inform JPMorgan whether to pay or return the exception items. Dual Control An optional service, whereby you may enforce a secondary level of approval on specified transactions. The transactions eligible for Dual Control are Stop Payments, Revoke Stop Payments, Issue Files, Manual Issues/Cancels, and Exception Decisions. In a Dual Control environment, the user entering a transaction can not be the approver of the same transaction. A second user with entitlements to approve transactions must provide the approval. Encryption 44

45 A process that scrambles a message so that it cannot be ready by someone who may intercept it. Exception Items Checks that do not match a client s issue file information because of discrepancies in any of the following fields: check/serial number, amount, issue date, and account number. (For example, ABCDE client issues check number on December 29, 2000 for US $1, and transmitted the issue information to JPMorgan. On January 2, 2001, check number in the amount of $10, is presented for payment. When this is matched against ABCDE client s issue file, it shows that there is a discrepancy in the check amount. JPMorgan then contacts client ABCDE to verify the authenticity of the check.) Exception Notification Daily written notification to clients listing their exception items from the prior day s check presentment. Notification can be sent by fax, transmission, online (dial-up), or Internet connection. Clients must provide the bank with a pay or return decision by the decision deadline. Fixed Width File A flat text file with values for each field starting in the same position throughout the file. MICR Line (Magnetic Ink Character Recognition) Machine and human recognizable characters on the bottom of a check. The ink is treated so that magnetically sensitive equipment can read the information, and thus expedite the clearing process. A fully encoded MICR line may contain the check serial number, payor bank transit routing number, account number, and check amount. Paid or Presentment Date The data a check is presented for payment at a bank. Payee An entity or person named on a check as the recipient of the funds. When the payee endorses a check, (s)he warrants that (s)he is the rightful beneficiary of the funds, that the check has not been altered, and that (s)he is not aware of any reason why the check should not be honored. Payee Verification An optional service whereby the bank digitally interrogates a check image to validate the Payee(s) shown on the face of the check matches the Payee(s) provided to the bank in either an Issue File or Digital Seal. If a Payee Name mis-match I encountered, the item is provided to you as an exception requiring your Pay or Return decision. Payor 45

46 The party who writes or draws the check. Positive Pay An enhancement to a paid or full reconciliation service whereby the client provides issue information at the time of check distribution. JPMorgan matches issue data with paid data with the result that unmatched (exception) items are subject to client approval. Positive Pay is an excellent tool to help guard against check fraud. RSA Encryption Algorithm RSA stands for Rivest, Shamir and Adelman, the inventors of the this public-key encryption technique using an algorithm based on the fact that there is no efficient way to factor very large numbers. Deducing an RSA key, therefore, requires an extraordinary amount of computer processing power and time. The RSA algorithm is the de facto standard for industrial-strength encryption. It is so powerful that the U.S. government has restricted exporting it to foreign countries. Secure Socket Layer (SSL) Session Short for Secure Sockets Layer, a protocol developed by Netscape for transmitting private documents via the Internet. SSL works by using a private key to encrypt data that's transferred over the SSL connection. Both Netscape Navigator and Internet Explorer support SSL, and many Web sites use the protocol to obtain confidential user information, such as credit card numbers. By convention, Web pages that require an SSL connection start with https: instead of The Internet Engineering Task Force (IETF) approves SSL protocol as a standard. Suspect Items Items that do not match a client s issue file. Void See Cancel 46