DMBM210755 - Process payments in DMB Banking: Introduction
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Background
DMB Banking in Cumbernauld and Shipley process a variety of payments. These are as follows.
Payment Method |
RCS payment type |
Processing system |
Electronic payment type |
|---|---|---|---|
Cheques |
BLP |
MARS to RCS |
No |
BACS |
BACS |
RCS |
Yes |
Girobank |
NGP, NGB, NGE |
RCS |
Yes |
Bank giro (on tape) |
BGT |
RCS |
Yes |
Bank giro (clerical, via MARS) |
BGP |
MARS to RCS |
No |
Debit card |
DCP |
DCS to RCS |
Yes |
Sharefishermen |
SFP |
RCS |
Yes |
Direct Debit |
DDP |
NDDS to RCS |
Yes |
CHAPS |
CHP |
Local application to RCS |
Yes |
Paymaster |
PYM |
Local application to RCS |
Yes |
Receipts Clearing System (RCS)
Payments for most heads of duty (HoD) are processed by the Receipts Clearing System (RCS). This
- receives incoming data files from banks or primary processing systems
- identifies the HoD from the reference number
- validates the reference number
- groups payments by HoD and outputs a data file to each HoD to update customer records.
Note: RCS may convert the payment type to whatever the receiving system can recognise. These conversion codes are described in the sections on each HoD
Payments files are received by RCS during each bank working day. It waits until MARS has finished for the day before starting processing. This is an overnight batch process.
Other payment processing systems
Some payment methods use a primary system, which feed payment data to RCS (see table above). These are:
System |
Description |
Payments processed |
|---|---|---|
MARS (also known as ARP) |
Multiple Application Remittance System |
Cheques, Clerical bank giros |
TPS |
Telephone Payment Service |
Debit and Credit Card |
NDDS |
National Direct Debit System |
Direct Debit |
CHAPS and Paymaster payment files are also from the bank. The reference numbers are validated using a local application and clerically corrected. These are then sent to RCS to update customer records.
The Department’s policy is to encourage customers to pay electronically. The preferred method of payment varies accordingly to the type of customer and the HoD.