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Object documentationSkip

 

Business object for Account Management (FS-AM) that you can use to trigger the skip of one or more loan payments. You can also skip a period by using this business operation. For more information, see Loans.

If the borrower submits an enquiry about the skip of a loan, you create a skip order in the system. The order presents an overview of all the payments that can be skipped.

The borrower may request to skip a scheduled payment. You remove the payment from the schedule as though it had never been created.

In the skip operation, there is also a possibility to change the payment plan in one of the following ways:

  1. Keep the payment plan unchanged. In this case, the money will be recovered as an increase in the last installment.

  2. Keep the loan term unchanged. This option results in an increase in the installment amount.

  3. Keep the installment unchanged. In this case, the payment plan is adjusted by increasing the term of the loan so that the skipped amount is recovered.

The interest calculation capital is not reduced on the original due date and the interest continues to be charged on the higher principal balance.

The following types of skip are possible:

  1. The borrower can skip due and over due payments. These are the billed payments that are not yet paid by the borrower.

  2. The borrower can skip planned payments. These are the unbilled payments that are planned for future.

  3. The borrower can skip a period. In this case, the borrower will not have to pay any payments during that period.

Structure

The structure description of the skip function is divided into attributes, methods and customer enhancements. For more information, see Order Management.

Attributes

  • Reason for activation for skip

  • Reversal reason for skip

  • Correspondence for activation of skip

  • Correspondence for reversal

  • Skip operation to be released

  • Execute authorization check for reasons

  • Check release relevance

  • Check skip data

  • Reason category for skip activity

  • Description of skip order reason

  • Parameter for skip control

  • Entry origin

  • Status attribute: function executed for an object

  • Skip has changed

  • Has release been rejected?

  • Skip activity

  • Check if operation is relevant from release

  • Items to be skipped

  • Skip period start date

  • New installment rate for new payment plan change

  • New end of term for payment plan change

  • Check account status

  • Authorization check for function

  • Check for condition fixing

  • Check for number of skips allowed per account

  • Skip order: control parameters for correspondence

  • Correspondence parameter for reversal

  • End date

  • Start date

  • Skip has changed

  • Skip item number

  • Number of skips during term of loan

  • Number of skips per year

Methods

In Account Management (FS-AM), you can use one of the following channels for processing objects:

  • Dialog

  • Business Application Programming Interface (BAPI)

  • Direct Input (DI)

Dialog

The Skip function can use the Entry Origin or Processing Origin field to identify the channel used to process it. This can be the dialog channel for which the system displays the entry origin BOSKIP (Loan Skip Dial.) You can call the dialog processing using transaction BCA_OR_SKIP.

You can call the following methods using dialog processing:

  • Create and enter

  • Create and activate

  • Change and enter

  • Change and delete

  • Change and activate

  • Change and reverse

  • Display

Business Application Programming Interface

BAPIs are not available.

Direct Input

Direct input is not available.

The methods can change the order status of the skip.

Customer Enhancements

You can use the following Business Add-Ins (BAdIs) for the skip of a loan.

BAdI Definition

Interface

Method

BCA_OR_SKIP_CHECKS

IF_BCA_OR_SKIP_CHECKS

CHECK_ENTRY

CHECK_CONSISTENCY

BCA_OR_SKIP_AUTH

IF_BCA_OR_SKIP_AUTH

AUTHORIZE_F_BOSK_FCT

AUTHORIZE_F_BOSK_ORG

AUTHORIZE_F_BOSK_RSN

AUTHORIZE_F_BOSK_ACT

BCA_OR_SKIP_CORR

IF_BCA_OR_CORRESPONDENCE

IF_FKK_CORR_OUTPUT_REQUEST~OUTPUT_CORR_REQUEST

IF_BCA_OR_CREATE_CORR_REQ~CREATE_CORR_REQUEST

Integration

When processing skips, the corresponding release object and the various authorization objects have a controlling function for the program flow.

The system calls the following objects from Account Management (FS-AM) for processing:

Objects Checked by the System

The system checks the account and displays messages accordingly if one or more of the following requirements have not been met:

  • The loan account exists.

  • The account has the contract status Active, Used

  • The system runs authorization checks (for create, delete)

  • Check if condition fixing is set in contract

  • The account is not In Release.

  • The account has the Skip feature, the traffic light symbol is green and this feature is not locked.

    For more information, see Editing Features.

Consistency Checks:

  • You have made entries in all of the mandatory fields

  • The system runs authorization checks (for execute or reverse)

Objects Changed by the System

The order itself does not change any objects directly.

Objects Generated by the System

  • Change document

    The system generates a change document that meets auditing requirements.

  • Work item

    The system generates a work item for the release process, if required on the basis of the Customizing settings. For more information, see Release Object: OR_SKIP (Skip).

  • Payment items for skip of other payments which are created as direct charges.

  • If required, the system generates correspondence for the following operations:

    • Execute

    • Reverse