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

 

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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.

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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.