Overview
For OFI receiving files, the requested enhancement is to provide the ability to cancel created transmissions and ensure the appropriate payment state management and business recovery actions are performed.
General Requirement
Cancellation of an OFI receiving transmission should perform a complete business rollback of all artifacts created by the processing of that transmission, including payments, reversals, returns, 900 incoming rejects, validation-generated rejects, settlement transactions, accounting records, and GL transactions, while maintaining a complete audit trail and restoring related payments to their appropriate prior state.
FTM CPS shall provide the ability to cancel eligible transmissions created for OFI receiving files.
When a transmission is cancelled:
- The transmission status shall be updated to Cancelled.
- All payments contained within the transmission shall be updated to Cancelled, provided they are eligible for cancellation.
- Any business artifacts created as a result of processing the transmission, including but not limited to reversals, returns, 900 incoming rejects, validation-generated rejects, settlement transactions, accounting transactions, and GL transactions, shall be cancelled, reversed, or restored as appropriate to maintain business consistency.
- Further processing of the cancelled transmission, associated payments, and any dependent business artifacts shall be prevented.
- Cancellation shall only be permitted when the transmission and all associated artifacts are in a state that is eligible for cancellation.
- The cancellation process shall ensure that no orphaned or inconsistent payment, settlement, accounting, reject, return, reversal, or transmission records remain following cancellation.
- The cancellation process shall execute as an end-to-end business rollback operation, ensuring the system is returned to a consistent state equivalent to the state prior to processing of the cancelled transmission, subject to settlement and accounting finality rules.
Eligible Credit Payments
When a transmission containing Eligible Credit payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All associated Eligible Credit payments shall be updated to Cancelled status.
- No further processing shall occur for the cancelled payments.
Eligible Debit Payments
When a transmission containing Eligible Debit payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All associated Eligible Debit payments shall be updated to Cancelled status.
- No further processing shall occur for the cancelled payments.
Credit Reversal Payments
Credit reversal payments have a dependency on the original credit payment, as processing of the reversal updates the original credit payment to a Reversed state.
When a transmission containing Credit Reversal payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All Credit Reversal payments within the transmission shall be updated to Cancelled status.
- The corresponding original credit payment shall be restored from Reversed status to the state that existed prior to reversal processing.
- Any reversal-specific indicators or relationships established as part of the reversal processing shall be appropriately handled.
Debit Reversal Payments
Debit reversal payments have a dependency on the original debit payment, as processing of the reversal updates the original debit payment to a Reversed state.
When a transmission containing Debit Reversal payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All Debit Reversal payments within the transmission shall be updated to Cancelled status.
- The corresponding original debit payment shall be restored from Reversed status to the state that existed prior to reversal processing.
- Any reversal-specific indicators or relationships established as part of the reversal processing shall be appropriately handled.
Credit Return Payments
Credit return payments are associated with previously processed credit payments.
When a transmission containing Credit Return payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All Credit Return payments within the transmission shall be updated to Cancelled status.
- The original credit payment impacted by the return shall be restored to the state that existed prior to return processing.
- Any return-specific status updates applied to the original credit payment shall be reversed.
Debit Return Payments
Debit return payments are associated with previously processed debit payments.
When a transmission containing Debit Return payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All Debit Return payments within the transmission shall be updated to Cancelled status.
- The original debit payment impacted by the return shall be restored to the state that existed prior to return processing.
- Any return-specific status updates applied to the original debit payment shall be reversed.
900 Incoming Reject Payments
900 Incoming Reject transmissions may contain rejects related to any of the following payment types:
- Credit
- Debit
- Credit Reversal
- Debit Reversal
- Credit Return
- Debit Return
When a transmission containing 900 Incoming Reject payments is cancelled:
- The transmission shall be updated to Cancelled status.
- All reject payments contained within the transmission shall be updated to Cancelled status.
- No further processing shall occur for the cancelled reject payments.
- Cancellation processing shall restore the related original payment to the state that existed prior to reject processing.
- The restoration logic shall be based on the underlying payment type associated with the reject.
Handling of Validation-Generated Reject Payments
During processing of any payment type (Credit, Debit, Credit Reversal, Debit Reversal, Credit Return, Debit Return, and 900 Incoming Rejects), FTM CPS may generate one or more reject payments as a result of validation or business rule failures.
When a transmission is cancelled:
- The transmission shall be updated to Cancelled status.
- All payments contained within the transmission shall be updated to Cancelled status.
- Any reject payments generated during processing of the affected payments shall also be updated to Cancelled status.
- The cancellation process shall ensure that no orphaned reject records remain in an active or pending state.
State Consistency Requirement
FTM CPS shall ensure that cancellation processing restores the payment hierarchy to a consistent state, including:
- Original payments.
- Reversal payments.
- Return payments.
- 900 Incoming Reject payments.
- Validation-generated reject payments.
Following cancellation, no related payment or reject record associated with the cancelled transmission shall remain in a processing, pending, active, or incomplete state.
