ADES & ODES ADES & ODES USER GUIDES. ADES (Automated Data Entry Systems)

Transcription

1 ADES & ODES ADES & ODES USER GUIDES ADES (Automated Data Entry Systems)

2 ADES (Automated Data Entry Systems) User Guide Table of Contents: How ADES works... 2 Using Excel Spreadsheet Version... 3 Getting Started: If you ve never downloaded a template Spreadsheet Overview... 5 Mortgages MTG Tab... 6 INDEX_MARGINS_VALUES Tab... 9 Checking Accounts TA Tab COMPOUND_METHOD_VALUES Tab NonApplicableRules Tab Deposits DEP Tab LOANS Tab INSURANCE - INS Tab Using XML Version Getting Started: If you ve never downloaded a template XML Overview Using TAB-Delimited Version Getting Started: If you ve never downloaded a template Tab Delimited Overview Uploading Template to Bankrate.com ADES User Guide Version 1.0 1

3 How ADES works ADES was designed to provide several alternative options for updating product information instead of entering the information in ODES (Online Data Entry System). There are three different templates to choose from: 1) Excel (.xls) 2) XML (.xml) 3) Tab-delimited text files (.tab) The first step is to download whichever one of these templates you wish to use. The XML and Tab-delimited options are only recommended for the skilled technical user because these formats require more precise editing. Once you have made your updates you will send Bankrate the template file containing your updated product rates for a specific period. The file can be sent either by logging on to ODES system and uploading, or by sending via the FTP server. Before updating the rates, validation will take place. This validation is the same that is done on the ODES system with the following exception. The SVY_DATE (Survey Date) will be compared to the current date (EST) and only those matching will be updated. This is done to allow the user to use one document to maintain rates for products that need to be updated at different intervals. All fields that are populated with a default value (such as numeric fields with a value of zero) must contain a value to be processed. If you blank out a field that requires a value, you will receive an error. After all updates are completed, the user will be notified via a confirmation to the ODES registered user s account. The will tell the user if the process was successful, or if there were errors. If errors were encountered, the user will receive an listing the institution(s) and product(s) that produced the error(s), as well as a description of the error(s). Each file submission can contain multiple institutions and products. Those products that were entered correctly will be updated, even if some of the other products (identified in the ) fail the validation. If you need to update different institutions at different time intervals, you can have multiple documents with a different institution in each one. There is no limit to the number of times you can send your data, however you should only send data when your rates change. Currently Bankrate.com updates the websites six times a day (deadlines are posted on the ODES Signin page under Hyperlink deadlines). If you need any help regarding the use of the ADES please contact us at ext or [email protected]. ADES User Guide Version 1.0 2

4 Using Excel Spreadsheet Version Getting Started: If you ve never downloaded a template. Logon to ODES (Online Data Entry System), then select UPDATE RATES. Then select Ades (Automated Data Entry System). 1) Review Instructions ADES User Guide Version 1.0 3

5 2) Pick Selected Institution or All Institutions Some clients have set up multiple institutions in our system. If you have different rates for different states and we have set up multiple institutions for you, the names will tell you the difference (i.e. myinstitution/fl or myinstitution/ca will identify the different rates for Florida and California). If you want to maintain different templates for each institution, you may do so by clicking Selected Institution and downloading a template for each one and saving under a different name on your computer. If you prefer to maintain just one template, then click All Institutions and the template will contain entries for all your institutions in one file. 3) Click on the Excel (.xls) Icon and a window will appear in which you should select the option to save the file to your computer. This is the file you will update and send to us with your new product information. ADES User Guide Version 1.0 4

6 Spreadsheet Overview There are 9 tabs located at the bottom of the screen. The first 6 represent the different product types available (MTG = Mortgages, TA = Checking Accounts, DEP = Deposits, LOANS and INS = Insurance). The last 3 represent information tabs containing info about certain columns. These will be explained in further detail when the appropriate column is being described. The ADES System needs all of the tabs in the document to be uploaded, so even if you are entering data for just one product (for example, the MTG sheet for mortgage products), the rest of the tabs must remain in the document, even though you are not entering any data into them. The first five columns are common to all of the product tabs and are already filled out you should not change or remove these fields. Column Field Name Description A INST_NAME Institution Name B PROD_NAME Product Name C CATEGORY Values are as follows: MTG=2, TA=3, DEP=7, LOANS=8, INS=25 D INST_ID Institution ID E PRODUCT_ID ADES User Guide Version 1.0 5

7 Mortgages MTG Tab The MTG tab contains information in columns A thru AK. Columns A E appear on all of the tabs and should not be changed. They are described in the Spreadsheet Overview section. Column Field Name Description F RATE Percentage a borrower pays for the use of money. G DISC_PTS Discount Points Percentage paid by the borrower to reduce the interest rate. H ORIG_POINTS Origination Points A fee charged as a percentage to process a loan. It usually includes the cost to prepare loan documents, check a borrower s credit history, inspect the property and sometimes conduct an appraisal. I APR Annual Percentage Rate - A yearly rate of interest that includes fees and costs paid to acquire the loan. Lenders are required by law to disclose the APR. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans. J PRE_PAID_FINANCE _CHARGES Lender and broker fees charged on the loan. These fees may vary from lender to lender. Fees such as underwriting, processing, administrative, lock, commitment, courier, etc., are included. Other closing costs such as title search-examinsurance, prepaid insurance, taxes, interest, doc stamps, etc. are not included. ADES User Guide Version 1.0 6

8 Column Field Name Description K LOCK_DAYS A lender s guarantee that the mortgage rate quoted will not change for a specific period, in this case the number of days. L PERCENT_DOWN Down Payment Percentage Percentage of a property s purchase price that the buyer pays in cash and does not finance. M LOAN_MIN Loan Minimum Minimum loan value available for this product. N LOAN_MAX Loan Maximum Maximum loan value available for this product. O INDEX_TYPE Treasury - An index used to determine interest rate changes for certain adjustable rate mortgages (ARMs). It is based on the results of auctions that the U.S. Treasury holds for its Treasury bills and securities or is derived from the U.S. Treasury's daily yield curve, which is based on the closing market bid yields on actively traded Treasury securities in the over-the-counter market. 1 Year LIBOR - LIBOR stands for London Interbank Offered Rate. It's the rate of interest at which banks offer to lend money to one another in the wholesale money markets in London. It is a standard financial index used in U.S. capital markets and can be found in the Wall Street Journal. In general, its changes have been smaller than changes in the prime rate. It's an index that is used to set the cost of various variable-rate loans, including credit cards and adjustable-rate mortgages. ************************************************************************ NOTE: See Index_Margin_Values Tab at the bottom of spreadsheet for more details. It contains details about the INDEX Type, ID and Margin fields. Explanation of that sheet will follow Mortgage Tab explanation (page 9). P INDEX_ID 1 = Treasury 39 = 1 Year LIBOR Q INDEX_MARGIN Either zero or one of the values listed for the selected index type in Index_Margin_Values Tab. See page 9. R SVY_DATE Survey Date This must contain the current date. When you transmit your file, this date will be compared to the current date and only those entries with a match will be updated. S EFFECTIVE_THR U_DATE Date through which the rate is effective. For mortgages, normally one day. Must be greater than or equal to the Survey Date. ADES User Guide Version 1.0 7

9 Column Field Name Description T ADV_COMMENTS Advertiser Comments -- In this section, institutions offer any additional information they wish to share with Bankrate readers. Can not exceed 65 displayable characters and no script code is allowed. U-Z CMG_COMMENTS Used by Print Advertisers only. For more information, contact the ODES Helpdesk ( ext ). AA PHONE Your institution s default phone number for CMG only. AB MINFICO Minimum FICO Score The most commonly used credit score. The name comes from the Fair Isaac Corporation, which developed the scoring model. They are used to predict the likelihood that a person will pay his or her debts. The scores use only information from credit reports AC MAXFICO Maximum FICO Score AD MINLTV Minimum LTV (Loan to Value) - The ratio of the mortgage loan amount to the property's appraised value or selling price, whichever is less. For example, if a home is sold for $100,000 and the mortgage amount is $80,000, the house has an 80 percent LTV. AE MAXLTV Maximum LTV AF TIERSORT Used for tiers AG FIRST_CAP The maximum amount the interest rate can change at the first adjustment. AH ADDITIONAL_CAP The maximum amount the interest rate can change in subsequent years. AI LIFETIME_CAP The maximum amount the interest rate can change over the life of the loan. AK IS_COMMENT_HYP ERLINKABLE Enter a value of 1 to allow the consumer to click the advertiser comments and link to your website. Enter a value of 0 to prevent the comments from being clickable. ADES User Guide Version 1.0 8

10 INDEX_MARGINS_VALUES Tab This tab contains values that apply only to the Mortgages tab and more specifically to the Index_Type, Index_ID and Index_Margin fields. The type must be one of the three listed below or empty (no type): Treasury, 1 YR LIBOR or Dow Jones. The Index_ID, which is not listed in the table needs to be the following: Treasury = 1, 1 YR LIBOR = 39 and Dow Jones = 23. The Index_Margin value must be one of the values listed for the type that was selected. For instance, if the Index_Type is Treasury, then the only values allowed would be 2.50, 2.63, 2.75, 2.88 or ADES User Guide Version 1.0 9

11 Checking Accounts TA Tab The TA tab contains information in columns A thru U. Columns A -E appear on all of the tabs and again, should not be changed. They are described in the Spreadsheet Overview section. Column Field Name Description F SVY_DATE Survey Date This must contain the current date. When you transmit your file, this date will be compared to the current date and only those entries with a match will be updated. G EFFECTIVE_THRU_ DATE Date through which the rate is effective. Must be greater than or equal to the Survey Date. H RATE The interest rate paid on interest-bearing checking accounts. Interest is paid monthly, at the conclusion of your statement cycle. On non-interest accounts this will be zero. ADES User Guide Version

12 Column Field Name Description I COMPOUND_METHOD Compounding method: Simple(4), Daily(5), Weekly(3), Monthly(6), Quarterly(7), Semi-Annual(1), Continuously(8); or this field can be empty. The numeric values in parentheses actually go in the next field COMPOUND_UID. For further information see the Compound_Method_Values Tab on Page 13. J COMPOUND_ UID Compounding ID Number. See above or the Compound_Method_Values Tab on Page 13. K YIELD Annual Percentage Yield, percentage required by Truth in Savings regulations to be disclosed on interest-bearing deposit accounts, that reflects the total interest to be received, based on an institution's compounding method for a 365-day year. This field is shown on the website, the Rate is not. L MIN_TO_ OPEN The minimum required to open an account and earn interest. M MIN_TO_AVOID_FEES The balance that the accountholder must keep in the account, based on the terms of the agreement. If the balance falls below the requirement average, then the monthly service fee will apply. Enter a value, zero, or 1 for Not Applicable, which means that the fee is charged regardless of the balance there is no way to avoid the fee. Further explanation of the Non Applicable values is available on Page 13. N MTHLY_SVC_FEE Monthly Service Fee - The monthly fee charged to customers under the terms of the account. O NSF_CHARGE Non-Sufficient Funds Fee - The amount of money charged to an account holder whose account has insufficient funds available to pay the check, which is returned to the party who cashed it unpaid. (The bank did not advance the funds to cover check.) ADES User Guide Version

13 Column Field Name Description P ONLINE_ACCESS Access by personal computer or terminal to bank information, accounts and certain transactions via the financial institution s web site on the Internet. Also known as Internet banking. The values allowed in this field are: TRUE if online access is available, and FALSE if it is not available. Q FEE_TO_USE_OTHER_ATM ATM fee charged for non-bank-owned ATM in local market -- Fee charged to account holder who uses an ATM not owned by the bank where the customer s account is held. This doesn t include fees the ATM s owner bank may charge. Often referred to as a nonproprietary ATM. Enter a value, zero, or 1 for Not Applicable, which means that the institution does not offer cards, or the card is not good at non-institution ATM s. Further explanation of the Non Applicable values is available on Page 13. R ATM_SURCHARGE ATM surcharge Fee charged for a non-account holder to use bank-owned ATM. Example: You have an account at Bank A but use Bank B s ATM. Bank B will charge you a surcharge. Make sure to review what your bank charges you to use another bank s ATM system. You may have to pay a surcharge to Bank B and a non-bank owned ATM charge to Bank A. Enter a value, zero, or 1 for Not Applicable. Further explanation of the Non Applicable values is available on Page 13. T ADV_COMMENTS Advertiser Comments -- In this section, institutions offer any additional information they wish to share with Bankrate readers. Cannot exceed 65 displayable characters and no script code is allowed. U IS_COMMENT_HYPERLINK ABLE Enter a value of 1 to allow the consumer to click the advertiser comments and link to your website. Enter a value of 0 to prevent the comments from being clickable. ADES User Guide Version

14 COMPOUND_METHOD_VALUES Tab This tab contains values that apply to the TA (Checking Accounts) and DEP (CD s and Savings Accounts) tabs and more specifically to the COMPOUND_UID and COMPOUND_METHOD fields in those tabs. These are fields I and J in both tabs. If no compounding method applies to a product, the COMPOUND_METHOD field will be blank, but the COMPOUND_UID field must contain a zero. Also please be sure that the COMPOUND_UID matches the corresponding COMPOUND_METHOD (for instance, if you are using Daily compounding, you must have a 5 in the COMPOUND_UID, otherwise the product update will be rejected). NonApplicableRules Tab This tab contains values that apply to the TA (Checking Accounts) tab, and more specifically to the MIN_TO_AVOID_FEES, FEE_TO_USE_OTHER_ATM, and ATM_SURCHARGE fields in that tab. These are fields M, Q and R. These fields can either contain a value, a zero or a 1 for Non Applicable. The explanation of what that 1 means in each field is explained below. ADES User Guide Version

15 Deposits DEP Tab The DEP tab contains information in columns A thru S. Columns A E appear on all of the tabs and again, should not be changed. They are described in the Spreadsheet Overview section. Column Field Name Description F MIN_TO_ OPEN The lowest amount the institution requires to open an account and earn interest. If the minimum required to open an account does not earn interest at certain dollar levels, bankrate.com lists the first dollar amount above the required minimum that does earn interest. G RATE The simple interest rate, the annual rate of return without the effect of compounding interest. The word "Rate" in Bankrate.com tables is referring to the APR. H YIELD Annual Percentage Yield, percentage required by Truth in Savings regulations to be disclosed on interest-bearing deposit accounts, that reflects the total interest to be received, based on an institution's compounding method for a 365-day year. I COMPOUND_METHOD Compounding method: Simple(4), Daily(5), Weekly(3), Monthly(6), Quarterly(7), Semi-Annual(1), Continuously(8); or this field can be empty. The numeric values in parentheses actually go in the next field COMPOUND_UID. For further information see the Compound_Method_Values Tab on Page 13. ADES User Guide Version

16 Column Field Name Description J COMPOUND_ UID Compounding ID Number. See above or the Compound_Method_Values Tab on Page 13. K SVY_DATE Survey Date This must contain the current date. When you transmit your file, this date will be compared to the current date and only those entries with a match will be updated. L EFFECTIVE_THRU_DATE Date through which the rate is effective. Must be greater than or equal to the Survey Date. M ADV_COMMENTS Advertiser Comments -- In this section, institutions offer any additional information they wish to share with Bankrate readers. Can not exceed 65 displayable characters and no script code is allowed. N CHECK_WRITING If checks can be written from the account enter TRUE. If checks cannot be written from the account enter FALSE. O INTRO_RATE If there is an introductory rate, enter it in this field. If not, enter a 0 (zero). P INTRO_PERIOD_IN_MON THS The length of time the introductory rate is in effect in months. If there is no intro period, enter a 0 (zero). Q MIN_AVOID_FEES How much must be kept in the account based on the agreement terms. If the amount goes below this amount, a charge is levied. R MTHLY_SRV_FEE The monthly fee for maintaining the account. S IS_COMMENT_HYPERLIN KABLE Enter a value of 1 to allow the consumer to click the advertiser comments and link to your website. Enter a value of 0 to prevent the comments from being clickable. ADES User Guide Version

17 LOANS Tab The LOANS tab contains information in columns A thru U. Columns A E appear on all of the tabs and again, should not be changed. They are described in the Spreadsheet Overview section. Column Field Name Description F RATE Rate is the interest rate that is being applied to the loan. G LOAN_MIN The minimum loan amount to receive this rate. H FEE Certain types of fees apply most commonly to a home equity line of credit (inactivity fee, annual account fee, cost reimbursement for early closing of account). Others are common to all types of mortgage loans (closing costs, origination fee, and prepayment penalty). Home equity lines list the index and margin, which determine the adjustable rate. For example, P+ 1.00% means the rate will increase or decrease, based on the current value of the prime rate, plus 1.00%. Flat fees appear in this column. Other fees are described in the LOAN_CONDITION field in column L. I SVY_DATE Survey Date This must contain the current date. When you transmit your file, this date will be compared to the current date and only those entries with a match will be updated. ADES User Guide Version

18 Column Field Name Description J EFFECTIVE_THRU_DATE Date through which the rate is effective. Must be greater than or equal to the Survey Date. K RATE_AFTER_INTRO The rate that will apply to the line of credit after the introductory period ends. L LOAN_CONDITION Home equity lines list the index and margin, which determine the adjustable rate. For example, P+ 1.00% means the rate will increase or decrease, based on the current value of the prime rate, plus 1.00%. Also used for listing fees, auto-debit discount, minimum loan amount, etc. M ADV_COMMENTS Advertiser Comments -- In this section, institutions offer any additional information they wish to share with Bankrate readers. Cannot exceed 65 displayable characters and no script code is allowed. N MINFICO Value of Minimum FICO score required to qualify for this product. FICO Score The most commonly used credit score. The name comes from the Fair Isaac Corporation, which developed the scoring model. They are used to predict the likelihood that a person will pay his or her debts. The scores use only information from credit reports. O MAXFICO Value of the Maximum FICO score that can qualify for this product. P MIN LTV Minimum Loan to Value amount, as a percentage. Q MAX LTV Maximum Loan to Value amount, as a percentage. R TIERSORT This is a system issued number to identify the FICO ranges being entered. S DRAW_TRUE/FALSE TRUE - If draw is required at closing; FALSE if draw is not required at closing. T DRAW_AMOUNT Draw amount, if required. U IS_COMMENT_HYPERLIN KABLE Enter a value of 1 to allow the consumer to click the advertiser comments and link to your website. Enter a value of 0 to prevent the comments from being clickable. ADES User Guide Version

19 INSURANCE - INS Tab The INSURANCE tab contains information in columns A thru J. This tab is an exception from all other tabs in that Columns A F are fixed (instead of just A-E, which is the case on all others) and again, should not be changed. The additional field is PRODUCT_TYPE and contains either Home, Auto, or Life, but as stated, this will be pre-populated and shouldn t be changed. Column Field Name Description G RATE Rate is the annual premium for this product. H SVY_DATE Survey Date This must contain the current date. When you transmit your file, this date will be compared to the current date and only those entries with a match will be updated. I EFFECTIVE_THRU_DATE Date through which the rate is effective. Must be greater than or equal to the Survey Date. J ADV_COMMENTS Advertiser Comments -- In this section, institutions offer any additional information they wish to share with Bankrate readers. Can not exceed 65 displayable characters and no script code is allowed. ADES User Guide Version

20 Using XML Version Getting Started: If you ve never downloaded a template. Logon to ODES (Online Data Entry System), then select UPDATE RATES. Then select Ades (Automated Data Entry System) ADES User Guide Version

21 1. Pick Selected Institution or All Institutions Some clients have set up multiple institutions in our system. If you have different rates for different states or markets and we have set up multiple institutions for you, the names will tell you the difference (i.e. myinstitution/fl or myinstitution/ca will identify the different rates for Florida and California). If you want to maintain different templates for each institution, you may do so by clicking Selected Institution and downloading a template for each one and saving under a different name on your computer. If you prefer to maintain just one template, then click All Institutions and the template will contain entries for all your institutions in one file. 2. Click on the XML (.xml) Icon and a window will appear in which you should select the option to save the file to your computer. This is the file you will update and send to us with your new product information. A. Download Matrix Table This option is only available to mortgage advertisers. If you prefer product-level matrices, you would choose this option. B. Download Product Table Select this option to update all products (including mortgage). If you prefer group-level matrices for mortgage products, you would choose this option. ADES User Guide Version

22 XML Overview The XML file contains the institution ID (below in red). Product Context (below in blue) is used to identify the different product types. Under each Product Context will be the Product ID and Name (below in green). Institution ID and name, Product Context, Product ID and name must not be changed or moved. For details on what each field means, see the Excel Spreadsheet version documentation. To begin using XML, please contact the ODES helpdesk at x ADES User Guide Version

23 Using TAB-Delimited Version Getting Started: If you ve never downloaded a template. Logon to ODES (Online Data Entry System), then select UPDATE RATES. Then select Ades (Automated Data Entry System) ADES User Guide Version

24 1. Review Instructions 2. Pick Selected Institution or All Institutions Some clients have set up multiple institutions in our system. If you have different rates for different states or markets and we have set up multiple institutions for you, the names will tell you the difference (i.e. myinstitution/fl or myinstitution/ca will identify the different rates for Florida and California). If you want to maintain different templates for each institution, you may do so by clicking Selected Institution and downloading a template for each one and saving under a different name on your computer. If you prefer to maintain just one template, then click All Institutions and the template will contain entries for all your institutions in one file. 3. Click on the Tab delimited text file (.tab) Icon and a window will appear in which you should select the option to save the file to your computer. This is the file you will update and send to us with your new product information. ADES User Guide Version

25 Tab Delimited Overview The Tab Delimited version is entered as text with a tab following every field. The first five fields are Category ID, Institution Name and ID, Product Name and Product ID. They must not be changed or removed. Once you have completed all your updates to all your products in each category you need to upload the template. For instructions to do this, go to the Uploading Template to Bankrate.com section on page 25. ADES User Guide Version

26 Uploading Template to Bankrate.com To upload your new rates, return to ADES (see Getting Started section on page 3) screen and follow the instructions to Upload New Listings:. 1. Locate the completed template on your hard drive. Click the "Browse" button and locate the file you wish to upload. Be sure that the file extension matches one of our currently supported extensions (.xls,.xml or.tab) and that it adheres to our Listing Guidelines section. 2. Upload the completed template to our site. Once you have located your file, click the "Upload matrix" or Upload table button depending on which template was downloaded, to complete your upload. If the file is received, you should now see "File uploaded successfully" above the "Upload button". Note the key points under the step 2 instructions. To ensure your submission is accepted: Verify that the current date is entered in the svy_date field. Upload ONLY listings that are new or modified. Do not surpass character limits. Fill out each field Do not change the header row Do not add columns Do not change the template formats Once we've received your template file, the system will update your listing. All listings will be subject to the same validations that the ODES system applies to all your entries. You will be notified via of any validation errors encountered by the system. To send the rate file via FTP, please contact the ODES Helpdesk at x ADES User Guide Version