Credit Evaluations in Orders

The process for credit evaluations in web-based and IDI Desktop Client-based transactions is similar. For web-based transactions, a credit evaluation is done on any transaction initiated by an appropriately configured starting block. POS Make Sale transactions include a credit evaluation based on Credit Scoring and Deposits configuration. Note: The client also supports on-demand credit checks as described in Account-level Management for Credit Evaluations and Deposits in IDI Desktop Client.

Basic Flow as Part of a Transaction

The web-based process as described below demonstrates the basic flow that occurs for both web and POS Make Sale credit evaluations. If you require further detail on using POS Make Sale, refer to the IDI Desktop Client online help.

For web transactions:

• This only applies for web transactions. If the transaction is adding a new customer, you can use the Use Enhanced Search – Create New Customer link to Customer Care to create the customer on-the-fly and then seamlessly return to the Orders web module to complete the transaction.
• The Credit Check Required logic is called on saving the information on the New Transaction view. This determines if the transaction requires users to submit a request to TransUnion to evaluate the customer’s credit. A message pop-up indicates whether this step is required, and displays any of the following types of messages configured by IDI per customer requirements:
• Error – These prevent the transaction from proceeding. Example: Customer cannot proceed because of their poor credit history.
• Confirmation – These do not prevent a transaction from proceeding. Example: Customer has passed the credit check and can proceed.
• Informational – These do not prevent a transaction from proceeding. Example: Customer’s deposit will drop off after 3 months of on-time bill payments.

Messages are grouped together by type, displaying in the order presented above, with the first type displayed, and the other type(s) collapsed until clicked on to reveal full messages.

From here you can continue as long as there are no errors. Note: If one or more errors are displayed, the only option is to close the pop-up and return to the New Transaction view without doing the credit check.

How you proceed on continuing depends on whether the logic determines a credit check is required.

• The Credit Check form is displayed if the logic determines users need to submit a new request. Most fields are auto-populated based on the selected customer. If any required fields are undefined, they will be shown in red and you will not be allowed to proceed until they are defined. Note: This form is skipped if the Credit Check Required logic determines a new credit check is not required.

Users with Skip Required Credit Check permission will have the option to dismiss this form without completing it. Users without this permission will be forced to enter and submit the required information to complete the credit check.

• Clicking Submit sends the personal and address information to TransUnion. The Credit Report Response logic is called when a response is received from TransUnion. It will display the Credit Evaluation Results, including information from TransUnion’s response and any messages as may be generated by the logic. Note: If you choose to Skip the credit report, or if a new evaluation is not required as determined by Credit Check Required logic in the previous step, the evaluation result will simply show the existing credit class and deposit requirements on the account and any messages as applicable.

Below show the evaluation results when a new credit evaluation has been performed.

• On continuing, you enter the assembly phase where you add/remove/modify items on the transaction. If the Credit Report Response logic determines a deposit is required, you’ll see a line item for the deposit. Note: This determination may occur in a later phase of the transaction, depending on your custom logic.

Regardless of when the deposit is added, clicking on the deposit line item displays the details in the right-hand pane. Note: For deposits automatically added based on the credit report response, all fields are read-only except the Waive deposit option. This check box lets you waive the deposit as shown below. If you choose to waive the deposit, the charge is reduced to $0.00. It remains available as a line item so you can select it again to re-instate it if needed. Auto-added deposits cannot be deleted.

As you add/remove/modify other line items on the transaction, the Credit Scoring Order Changed logic may run to adjust credit score, credit limit, or deposit amount as appropriate. If adjustments are made, the Credit Evaluation Results will display again.

• At the point in the transaction, where you can view billing and retail (if applicable) information, the required deposit amount will be shown as applicable.

• The Credit Scoring Complete Sale logic runs at checkout. Typically, this logic displays informational or error messages as appropriate. These can be for things like having too many services or information on how many installment plans the customer is allowed to have.

Adding a Deposit Ad-Hoc in a Web Transaction

Adding deposits ad-hoc is supported with or without starting blocks. The Deposit permission under Orders must be enabled. If you are using starting blocks, the selected starting block must be configured with Deposit as an Allowable Action.

When these conditions are met, the Actions bar on the transaction will provide an Add Deposit icon (blue piggy bank). Clicking the icon displays the Add Deposit dialog.

Once a deposit is added manually, you can click the line item in the left panel to display the details in the right panel. You can edit all details as required.