Mhrlisamine en
Introduction
Payment defaults can be updated by means of Krediidiinfo’s credit management service. To do that, Sale Ledger statements should be regularly sent to credit management, and an individual agreement as to when they should be sent is made with each customer.
You can send the Sales Ledger to credit management as an XML file of the format specified by the following schema: http://www.krediidiinfo.ee/schemas/kh/debtors_info.xsd.
NB! A separate XML schema has been created for banks: http://www.krediidiinfo.ee/schemas/kh/debtors_info_ver2.xsd
Principles of synchronising the credit management data
Only the information about outstanding payments needs to be sent to credit management. The overall receivables balance is what shows the debtor’s balance, and the debt age can be deduced from the payments. These are the key data on which credit management relies. The paid invoices do not affect the balance, so they are of no significance for credit management.
Depending on the type of credit management services the debtor data you send to credit management can be additionally restricted to the debt age. For example, if your agreement with credit management specifies that only the service of updating the information in the Credit register is used, you can only send credit management the information about the debtors whose payments have been outstanding for over 45 days. Credit management does not need the data about the debtors whose debt is not over 45 days old. As the data to be sent is restricted, the size of the file and the time it will take to import the data will be reduced.
When the data is imported to credit management, the balances of the debtor’s payments in the database are updated. The payments that were outstanding before the data import are considered to have been paid and the balance is set to zero if the input file contains no information about them. Thus you do not need to inform credit management that an invoice has been paid. You just need to export a statement about the current outstanding payments, including advance payments for the overall receivables balance to be calculated correctly. This approach is easier for the customer (who does not need to remember anything from the previous data export), and the latest input file always corrects all the data in credit management (the data do not go out of sync).
The debtors_info format
- XML schema
- debtors_info_mhr_example.xml - sample debtor data file.
- debtors info.png - diagram of the structure of the XML file containing debtors’ data.
The /debtors/debtor/additional_data tag value with the additional_data_name="contract_no" attribute is used to add a payment default to the Credit register. The Credit Register also requires the number of the contract that was breached by the outstanding payment to be entered.
If the amounts are stated in euros, the sums referring to the period before the moment the euro came into use will be replaced by Estonian kroons at the rate of 15.6466 kroons to euro. If amounts are still sent in Estonian kroons after the change to the euro, kroons will be substituted with euros at the same rate, so the customer can choose when to start sending the data in euros.
The bank_debtors_info_ver2 format
This format is meant to be used by banks to forward data to credit management. The difference between bank_debtors_info_ver2 and debtors_info lies in the fact that the former is not based on invoices.
- XML schema
- bank_debtors_info_ver2_mhr_example.xml - sample debtor data file.
- bank debtors info ver2.png - diagram of the structure of the XML file containing debtors’ data.
If the currency rate is not set in attributes of the /debtors/debtor/balances tag, the rate of 15.6466 kroons to euro is used and currency conversions are performed if necessary.
Failide edastamine
Faile saab Krediidiinfole edastada KiDocExchange SOAP liidese kaudu.
Krediidiinfosse saadetava faili nimi peab olema kujul:
<initsiaalid>_krediidihaldus_<id>.<laiend>
- <initsiaalid> - ettevõtte initsiaalid. Näiteks Krediidiinfo pohul ki.
- <id> - faili saatja süsteemis unikaalne id, millega saab saadetud faili identifitseerida. Võib olla ka näiteks faili genereerimise aeg.
- <laiend> - saadetud faili laiend. XML või ZIP. Saadetud faile on soovitav pakkida.
Näide 1: Krediidiinfo AS saadetav fail
ki_krediidihaldus_20100613.zip