Automatic Credit Assessment

I am responsible for coming up with a solution that encompasses automatic credit assessment for customers across their organization. In short, the scenarios revolve around receiving credit scores and financial data from external credit agencies, combining it with the internal A/R data (credit limit/DSO/Open items / dunning / payment history etc) and producing a score. Added requirements are that multiple rule engines can exist based on LOB and therefore different scores can be produced by using different data.
Does anyone who has some knowledge of the automated credit assessment functionality.
I need to understand if standard SAP functionality is sufficient to support the requirements or if I should propose a bespoke development.

hi,
check by changing the credit group as we are familiar that credit control is determined by the combination of credit control area risk categorycredit group.
''Reward points if helpful''
regards,
gupta.

Similar Messages

Fully Automatic credit note for customer .

Hello Genius
"The payment received from the customer within two days from the date of biling.Automatic Credit note to be raised when the cheque gets deposited into bank.Cash discount is payable as % of assessable value.In case the deposited cheque gets dishonored the credit note to be revered by way of debit note and thereafter the dealer does not remain eligible for further cash discounts in future".*
Example:
Incoming Payment 1000.00 INR , This payment comes with either through Cheque, DD,Cash.
But it should be cleared with in 48 hrs. then only Discount is available other wise not.
Above Operation need to Fully automatic.
how to map this scenario in FI-SD ?
Reliable answer gets very good point.
Thanks
Lee

Hi Sanil,
Try using BAPI BAPI_SALESORDER_CREATEFROMDAT2
you may to give the necessary validations & the trigger points for this
Hope this helps
thanks
Prashant

Automatic Credit Note generation during billing

Hi,
How automatic credit note is generated during billing where document type is RV ? During Billing i.e, sales invoice accounting document type become RV and accounting entries are :-
01 Customer A/c
50 Revenue A/c
50 Service tax payble A/c
50 Educatio Cess A/c
50 HEeducess A/c
If there is VAT/CST it become credit.
But two invoice documents are generated as doc type RV and accounting entries are :-
11 Customer A/c
40 Revenue A/c
40 Service tax payble A/c
40 Educatio Cess A/c
40 HEeducess A/c
In case of Credit note we can pass this entry through doc type DG. But during billing how automatic credit note is being generated ?
Regards,
Anindita
Edited by: ARoy1000 on Aug 24, 2009 3:26 PM
Edited by: ARoy1000 on Aug 24, 2009 9:52 PM

Hi Yadav,
In case of Credit note we can pass entry two ways are i) From Accounts by passing manual accounting entries if there is different of amounts and ii) direct generating credit note automatically after sales order istead of billing if there is shortage of quantitiy. Here Revenue accounts will be positive and Customer negative. In my case credit note has generated automatically after sales order instead of creating billing document which has posted directly as standard RV document type. I have one doubt there is no dfference in quantity. Whatever sales order quantity is raised same quantity has raised as Sales invoice. The user who generates normal sales invoice(billing) even he is very much doubt, instead of generating billing document how credit note is generated automatically where Revenue A/c, Service Tax A/c, Education and Higher Edu cess become Dr. How it is possible ?
Regards,
Samrat

Urgent: Need help in automatic credit control

Hi SD Seniors
Please help me in the URGENT Credit check Control Configuration.
According to the user requirement, need to have simple static credit control in the place of sales order & delivery.
When credit check fails during the order creation,
1.     Wants to popup the warning message without blocking the delivery
2.     And wants to block the delivery from the PGI process.
I have already done the necessary credit check configuration in my test system. Based on the simple credit limit check,
System issues the warning message correctly at the time of order creation.
And I have configured the automatic credit check control configuration for the blocking the delivery PGI steps. But system doesnt block
The delivery and it still allow proceeding for PGI without any error message.
Please refer by below automatic credit control check for blocking the delivery. Please let me know, is there any other step I missed out here.
1. Credit control area is assigned to the company code.
2. Credit control area is assigned to the sales area.
3. Credit control area is assigned to the payer.
5. OBZK:   Assigned
7. Risk category for each credit control area.
8. OVA8: -Credit control area + Risk category + Credit group
9. FD32: -Credit limit, Risk category, Currency: assigned
10. OVA7/VOV7: - Activated correctly
11. V/08: - Pricing Procedure subtotal set to A
12. OB45: - Update Group 00012
Your help is very much appreciated.
Thanks in advance
Regards
Priyan

Karan, Thanks For you Quick Response.
OVO8: Cr.Ctrl.Area + Rick.Catg + Credit.Group (03)
The same credit group was assigned to the OVAD also.
OVAD: Dely.credit.grp = 03   (Credit group for goods issue)
AND
GI.Credit.group = 03 (Credit group for goods issue)
Is it correct?
My doubt is where exactly, we are telling the system to block the delivery.
In OV08, could you please tell me what are all the settings need to be done for
block delivery PGI
Regards
Priyan

Credit management automatic credit control use of credit group

Hello gurus
1)In the credit management we have credit groups( which enables us to combine different sales
document types for the purposes of credit management).
In the simple credit check also we will assign the doc types to check the credit. Then please tell me why we need credit groups in automatic credit control? Here also we can assign the doc types to check the credit ?then what exactly is the use of credit group ?
2)where will we specify the total credit amount allowed of the credit control area?
3)In the automatic credit control (ova8) against to static check box option we have open orders and open delivers checkboxes. is this two boxes only specific to static or it also belongs to dyanic?
Is it necessary to check this boxes?
4)is any one have used any of the routines in automatic credit control( document controlling tab we have no credit check field here we specify the routine? If any business need please share with me
Thank you in advance for all the replies

Hi
For your 1st query , In credit mgmt we assign credit grps to sales document type. So as you said we will assign credit grps at simple credit check and coming to the Automatic credit check we assign credit grp for the sales document type also .But the difference is credit grp can be at order level or Delivery Level or PGI level in OVA8 in Automatic credit check .
Coming to your 2nd Query , we will specify the total credit limit in FD32.
For your 3rd query , In OVA8 apart from the static check we check the boxes open orders and open deliveries also because once you activate Automatic credit check and once you maintain credit limit for any customer then system will check the open orders and open deliveries also of that customer
Coming to your last query the routine feild can be used when some requirements have to be fulfilled then only automatic credit check should work for customers. or else the sales order ->delivery->PGI will happen normally
Regards
Srinath

Automatic Credit Check- Credit active field in Item Category

Hi All,
In the current system, simple credit check is active and now the customer would like to consider the open sales order and delivery documents as well. Hence we are activating automatic credit check.
The issue I am facing here is the credit active field is not activated in Item category level, since it has not been activated, the system is not performing the automatic credit check for the old as well as newly created sales order. If I activate the credit active field in Item category level its working fine for newly creating documents.
But the credit check is not happening for the sales order which has been created in the past.Whether the credit active field not activated earlier is the reason behind this issue.
Please let me know is there is any other way to perform credit check for the old sales orders as well.
Regards,
Mythily

But the credit check is not happening for the sales order which has been created in the past.Whether the credit active field not activated earlier is the reason behind this issue.
Credit check will not happen for the saved sales orders. It is not the reason because of credit active field was not ticked for item category. you had performed Simple credit check for those orders,
I assume you might be knowing that Simple credit check does not update open order, open delivery and open invoices etc, it updates only receivables. Even though you had ticked the item category the field credit active, it would not have performed.
Now for old sales order anyway it will not perform the credit check, only thing you can do
Run the program RVKRED88 in SE38 so that it will update the all sales values into FD32. This.This is the best way i think this will work. Please test this from your side. I did not check in my system.
Why you want to perform the credit check on the sales documents which are already created and saved. as per me it does not make sense.
thanks,
Srinu.
Message was edited by: Srinu S

Business model mapping query (High sea sales) - automatic credit control cn

Our Client imports goods(chemicals & liquids) in bulk... on ships .. (to india)
It sells (the sale is made) before the ship enters the indian waters (territory).. (on the sea itself)
Practically this is what happens: (HIGH SEA SALES)
Invoice is done ( with all the statutary docts), as soon as the sales order is created. Lastly, the delivery happens.
Now, the client wants automatic credit check at DELIVERY LEVEL. ( After the invoicing is done, legally the goods belong to the customer, but our client wants to have a control on delivery, if at all any payment issue arise....
How to do this?
any ideas?
Rgds
Sumanth.Gururaj

Hi,
Please go through this
Settings for determining the credit control area of a document. The settings of items 1 - 4 are taken into account according to their priority. The credit control area found is stored in field VBAK-KKBER.
1. Transaction OB38
   Check which credit control area is assigned to the company code.
   Company code:
   Credit control area:
2. Transaction OVFL
   Check which credit control area is assigned to the sales area.
   Sales area:
   Credit control area:
3. Transaction XD02 or VD02
   Check which credit control area is assigned to the payer.
   Payer:
   Credit control area:
4. Transaction SE37
   Is user exit EXIT_SAPV45K_001 being used?
5. Transaction OBZK
   For the settings under items 2 - 4, field "All company codes" must be marked in Transaction
OB45, or the credit control area must be entered under the relevant company code in table T001CM of the credit control areas allowed.
Company code:
Credit control areas allowed:
6. Settings for the credit checks
7. Transaction OVAK
   Which settings do exist for the sales document type used?
   Sales document:
Check credit:
Credit group:
8. Transaction OVAD
   Which settings do exist for the delivery type used?
Delivery type:
Credit group for delivery:
Credit group for goods issue:
9. Transaction OB01
   Credit management/Change risk category
   Definition of the risk category for each credit control area. This risk category can be assigned to a credit account by using Transaction FD32.
10. Transaction OVA8
    Here, the individual credit checks for key fields
    o credit control area
    o risk category
    o credit group are set. Take these key fields from the above settings and go to the detail screen. In particular, check whether fields "Reaction" and "Status/block" are set correctly. To carry out follow-up actions in case of a credit block, the credit check status must be set (field "Status/block").
11. Transaction FD32
    Credit master data for the payer of the relevant document.
    Credit account:
    Credit limit:
    Risk category:
    Currency:
12. Settings for updating the credit values Update of the credit values is required for the limit check (static or dynamic credit limit check).
13. Transaction OVA7
    Update of the credit value is active for the corresponding item type if the check box is marked. This field corresponds to
    field "Active receivable" in Transaction VOV7.
Item type:
Active receivable:
14. Transaction V/08, Pricing
    In the pricing procedure used for pricing, subtotal "A" must be entered in a line for determining the credit value (mark the pricing procedure and doubleclick on "Control").
Usually, the net value plus taxes is used. This way the system is determined to use this subtotal for credit pricing. The credit price is stored in field VBAP-CMPRE and used for update and credit check.
You can find the used pricing procedure of the order under "Item -> Condition -> Analysis".
Pricing procedure:
Line with subtotal = 'A':
15. Transaction OB45
    Which update group (field "Update") do you use in the relevant credit control area? The default setting is "12". If you use another update group, check whether this is fine with you. If you open an OSS message, please tell us the alternative update group.
Credit control area:
Update:
16. Transaction OMO1
    Which kind of update did you choose for structure S066?
     In any case, "Synchronous update (1)" has to be chosen as the kind of update. All other settings will lead to errors.
I hope this will resolve your issue
Thanks
Anil Hooda

Automatic Credit Check FI-AR-CR from CRM

Hi,
when creating a sales order, the credit limit check in CRM gives a positive result, but the order is blocked for credit limit check in ECC (which is actually correct).
Why does the check not work in CRM? We have set up the middleware, changed all automatic credit check reactions to "B" etc.
Which setting is wrong?
Rgs
Anke

Hi Anke,
 Did you specified the ECC RFC Destination value in CRM SMOFPARSFA table ?
PARSFAKEY CRMCREDCHE
PARNAME CRMCREDCHE
PARVAL1 <ECC RFC DESTINATION>
REMARK CRM: DESTINATION FOR CREDIT CHECK
//Bhanu

Automatic Credit check.

Dear Gurus,
While running the Automatic Credit we have the Options like we can control the customers at Order level,Delivery level and Goods Issue Level. Suppose if we want control at delivery level,How system checks the Value of the delivery while creating? In delivery document there is no pricing conditions?
Regards
jyothi.
Edited by: jyothi. on Nov 21, 2008 5:10 AM

Hello
Order level means whether you want to save the order or not ,that is done after credit checking the order value
Delivery level means whether you want to save the delivery or not
Here also the credit check is based on sales order only
It is like blocking or checking at the second level
The base for credit check is Sales order value only
This is not only in SAP ,but Business logic too
so delivery doc does not have pricing conditions doesnot carry any meaning here
Regards
Raja
Edited by: ramanathan raja on Nov 21, 2008 10:01 AM
Edited by: ramanathan raja on Nov 21, 2008 10:03 AM

Automatic credit control

We use in our company automatic credit control. For one of our customers not credit control data have been maintened (fd32) therefore there is no credit group assigned to him.
When I try to make a sales order for this customer, the automatic credit control is turned on and I am unable to save the order since the next review data has passed (it is a check field in the automatic credit control for all customers that have credit control data).
Any opinions?

Hi,
If the customer concerned is not relevant for credit check,please remove the risk catigory under status screen in FD32
Regards,
Phani Prasad

Update group in automatic credit control

Hi Everybody,
Can anyone explain me the meaning of update group in automatic credit control screen OVA8.
Do we have to set this update or it happens when we start usinng?
Regards,
raghu

Hi,
More info on this ,
Credit update for open order/delivery/billing document value
The credit update controls when the values of open sales orders, deliveries, and billing documents are updated.
Note
The open order value is only updated for schedule lines that are relevant for delivery.
Use
You can specify the following update groups for updating credit-related statistics:
Update group 000012
Sales order
Increases open order value from delivery-relevant schedule lines
Delivery
Reduces open order value from delivery-relevant schedule lines
Increases open delivery value
Billing document
Reduces open delivery value
Increases open billing document value
Financial accounting document
Reduces open billing document value
Increases open items
Update group 000015
Delivery
Increases open delivery value
Increases open billing document value
Financial accounting document
Reduces open billing document value
Increases open items
Update group 000018
Sales order
Increases open delivery value
Billing document
Reduces open delivery value
Increases open billing document value
Financial accounting document
Reduces open billing document value
Increases open items
Note
If a document cannot be processed with the update group you specify, the system determines the next possible update it can carry out. For example, you select Update group 000012 which, at delivery, reduces the open order value and increases the open delivery value. Assume that one item in the order is not relevant for delivery. In this case, the system automatically determines Update group 000018 for this item. Update group 000018 increases the open delivery value for the order item. The system uses the confirmed quantity of delivery-relevant schedule lines to update the order value.
Hope it adds. Pl reward if helpful.
Thanks & Regards
Sadhu Kishore

Update groups in Automatic Credit Mgmt..

Hi Gurus,
What is the significance of the various update groups present in Automatic Credit Mgmt.
When do we have to choose 12 ,15 and 18 type of update groups.
Where do we assign the same.
Sure to reward points for satisfactory answers
Cheerzz..
Subbz..

Hi Subba,
Update group is defined /assigned in Credit Control Area Defination (path:IMG>ENTERPRISE STRUCTURE>DEFINITION>FINANCIAL ACCOUNTING>DEFINE CREDIT CONTROL AREA).
Whatever is defined for this field here gets reflected in the OVA8 screen.
There are 3 types of update groups:
1) update 000012 - open order on time axis, delivery and billing doc value. It means during automatic credit check the system compares the customer's credit limit to the total of open orders as well as the deliveries and billing doc value
2. update 000015 - open deliveries and billing doc value. It means during automatic credit check the system compares the customer's credit limit to the total of open deliveries as well as the billing doc value
3. update 000018 - open delivery for sales orders, billing doc value.
Hope u ve undrstood.
plz reward points if helpful
Regds,
Pallavi

Difference between simple & automatic credit checks

Hi,
What is the difference between simple & automatic credit checks.
Regards

Hi everyone,
I am waiting for your valuable reply.
Regards

Release of customer after Automatic Credit Control

Hi friends,
I have configured Automatic Credit control during Sales Order entry. In OVA8 I have set the Dynamic Checks, Document Value and Oldest Opne Item with value of 30 days. Based on the outstanding the Sales Order creation is blocked with a message 'Credit check oldest open items overdue (Cannot be saved). Does this create a block against the customer at any place? In case unde special circumstances an order is to be created against the Customer how do i create an order for this customer.
Checked via FD32, there is no block for the customer
Please suggest.
Regards,
Uday

Hi Basavaraj,
Thanks for the reply. I think i have not expressed my requirement correctly. Let me explain it like this :
Today 09.06.2008 when I am trying to create a sales order for a customer, since there are document outstanding for more than 30 days the system correctly gives the message 'Credit check : Oldest open items overdue (cannot be saved). Since in OVA8 for Oldest item I have used the reaction as Error, rightly I am not able to save the order.
But if i come across an exceptional case wherein the management decides to allow transaction to be carried out for this customer, how do i go about it?
Since the order is not saved, cant use vkm4.
Regards,
Uday

Incorrect automatic credit check

Hi!
I configured the system to use automatic credit control at order level. There i only selected simple credit control.
Now, the problem is that for 2-3 weeks, the system let's me do the following, i'll give you an example:
Customer A has a credit limit of 1000. He wants to order goods which cost 2000. The system lets me complete the order and even the billing document. But only after finishing this, the system prevents customer A from buying smth else until he pays the goods.
This didn't happen before (i have no idea why this doesn't work anymore, apparently the configuration is the same), in the example above the customer shouldn't have been able to buy the goods in the first place.
Thankyou in advance

plese check program RFDKLI20 (run se38)
check your customer running report RFDKLI10

Automatic Credit Assessment

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