Show TOC

 Editing Access Limits

Use

On the Access Limits tab page, you edit the access limitsstored for the account.

Access limits are required in item processing for the access limit check. If the access limit is exceeded by an additional turnover (turnover-based access limits) or counter (counter-based access limits), processing of the item is controlled accordingly. The system generates an error message that is interpreted by the posting control rules.

Access limits are defined in Customizing, and can be stored in the product. For more information, see Prerequisites below .

The following access limits exist:

  • Access limits that are required for each contract of a product.

    You have stored these access limits as default values in the Customizing for the corresponding product and set the Cannot Be Deleted indicator.

  • Access limits that the system proposes when an account is created. You can delete these when the account is created or at a later time.

    You have stored these access limits as default values in the Customizing for the corresponding product and not set the Cannot Be Deleted indicator.

  • Access limits that you can assign to an account or delete when an account is created or at a later time.

    You have defined these access limits in the Customizing for the access limit types. You may have defined the permitted access limits by restricting values in the product Customizing.

Prerequisites

Define Check Results

You have created the event numbers required to differentiate between error messages in the Customizing for Account Management (FS-AM) under Start of the navigation path Item Management Next navigation step Posting Control Rules Next navigation step Define Own Check Results End of the navigation path .

Define Turnover Classes and Counters
Turnover-Based Access Limits

You have created the turnover classes you want to use for access limits in Customizing for Account Management (FS-AM) under Start of the navigation path Item Management Next navigation step Turnover Classes for Flexible Account Balances End of the navigation path .

Counter-Based Access Limits

You have created the counters you want to use for access limits in Customizing for Account Management (FS-AM) under Start of the navigation path Item Management Next navigation step Counters End of the navigation path in the following IMG activities:

  • Define counter types

  • Assign counter types to counters

Define Access Limits
Turnover-Based Access Limits

You have defined access limits types in Customizing for Account Management (FS-AM) by choosing Start of the navigation path Item Management Next navigation step Turnover Classes for Flexible Account Balances Next navigation step Edit Access Limit Types End of the navigation path .

Counter-Based Access Limits

You have defined access limits types in Customizing for Account Management (FS-AM) by choosing Start of the navigation path Item Management Next navigation step Counters Next navigation step Edit Access Limit Types End of the navigation path .

For more information, see the documentation for the IMG activities.

Assign Access Limits to the Product

You have permitted the attributes for access limits and defined default values and detailed settings for each access limit type, if required. You do this in the product Customizing under Start of the navigation path Account Management Next navigation step Product Management Next navigation step Product Definition Next navigation step Create End of the navigation path or Change Account Product.

Procedure

  1. Use the input help to choose the access limit types you want to assign to the account.

  2. Enter the required data or change the default values if necessary.

  3. Choose Save .

Example

Debit Commitment
Aim

You want to restrict the total amount of debit memos presented, minus returns, for an account within a specified period of time.

Business Background

Debit memos given for collection

  • can be challenged by the payer

  • can be returned by the payer’s bank if there are insufficient funds

There is therefore a credit risk involved in paying collection amounts and it is not practical to make postings subject to final payment.

Access Limit Type

Restriction on Withdrawal: Debit Commitment

Transaction types

Debit memo presentations/returns

Limit amount

In accordance with the customer’s credit rating

Time frame

As agreed on (6 weeks (6 x 7 days))

System response

Postprocessing/credit rating check
Account for Minors
Aim

You want to restrict the total cash withdrawals on an account for minors within a defined period of time.

Business Background

The bank is permitted to pay customers who are not of full contractual capacity, as determined in the German Taschengeldparagraphen law (whereby minors have the right to carry out transactions without their parents’ permission provided they are spending pocket money or their own earnings). This applies to all withdrawals in a period of time rather than just one individual withdrawal.

Access Limit Type

Restriction on Withdrawal: Savings Account for Minors

Transaction types

Cash withdrawals

Limit amount

As agreed on with the legal representative

Time frame

As agreed on (calendar month)

System response

Reject/refuse payment
Money Laundering
Aim

You want to restrict the total incoming payments on an account within a period of time.

Business Background

The legal regulations on suspected cases of money laundering specify that the total amount of transactions made within an observation period must be monitored, not just individual transactions.

Access Limit Type

Money Laundering Law

Transaction types

Incoming cash payments

Limit amount

15,000 EUR

Time frame

Specific to each bank (month (any 30 consecutive days))

System response

Reject/include data/check/report suspicious case