Receive card receivables at the domicile - Lerian

Receive the payment of the receivable in the borrower’s account at your institution and use the credit to amortize the loan.

This flow is a suggested reading of the Núclea and BACEN manuals. The manuals prevail over this page. Your institution, as the participant, validates the flow and implements it on the Lerian APIs. See how to read the diagrams.

Participants

Your institution. The participant that runs the journey and books its effects.
Lerian. Lerian SLC, Lerian SILOC and Lerian SPB. They exchange the messages with Núclea and STR, and expose the API and the events your institution uses.
Núclea. Runs the SLC and SILOC clearinghouses and their settlement windows.
STR (BACEN). The BACEN reserve transfer system. It moves the money between reserve accounts.

Diagram

Receive card receivables at the domicile

Steps

#	From	To	Message	Lerian API	What happens
1	Núclea	Your institution	`ASLC022/024`		Núclea sends the card credit or debit settlement file to the domicile. Your institution receives it outside Lerian.
2	Núclea	Lerian	`GEN0015`		Núclea announces the file availability.
3	Your institution	Lerian	Lerian API	`GET /api/v1/siloc/file-notices`	Read the available file notices.
4	Your institution	Your institution	Internal step		Check the borrower account in each settlement record.
5	Your institution	Núclea	`ASLC023`		For credit-card records only, confirm the borrower account for pre-scheduling or report its inconsistencies. Send the mandatory ASLC023 scheduling response outside Lerian by D-1 of the payment date. Confirm or reject pre-scheduling with an occurrence code other than 00. Rejected records do not proceed to settlement. This is not confirmation of payment.
6	Núclea	Lerian	`SLC0001`		Núclea sends the final position at 06:20 or 11:50.
7	Lerian	Your institution	Lerian API	Event `clearing.final_available`	Lerian publishes the final position.
8	Núclea	Lerian	`LDL0021`		Núclea informs the net amount to receive at 06:35 or 12:00.
9	Lerian	Your institution	Lerian API	Event `clearing.deposit_required`	Lerian publishes the amount to receive.
10	Núclea	STR (BACEN)	`LDL0020`		When the settlement window opens, Núclea orders the transfer to creditors.
11	STR (BACEN)	Lerian	`LDL0020R2`		STR reports the credit in your institution’s reserve account.
12	Lerian	Your institution	Lerian API	Event `spb.ldl.third-party-settlement-received`	Lerian publishes the card cycle credit.
13	Your institution	Your institution	Internal step		After financial settlement, credit the borrower and amortize only if the account can receive the credit. A rejection books no credit or amortization.
14	Your institution	Núclea	`ASLC023/025` or `ASLC041/042`		Report the actual end-recipient payment or rejection outside Lerian. Return the processing status after SILOC settlement on D0 through ASLC023 (credit) or ASLC025 (debit). Only if systemic problems prevented that D0 return, use ASLC041 (credit) or ASLC042 (debit) by D1. Never resend a record already returned in the D0 window; it is rejected with ESLC0135.

The credit-card scheduling response is distinct from the payment-status return after settlement. A scheduling response on D0 is outside its deadline (ESLC0130). ASLC041 cannot replace it. The financial-settlement steps apply to accepted records.

How you know it finished

LDL0020R2 with the STR control number matched to LDL0021 proves financial settlement. The end-recipient processing status is returned through ASLC023 or ASLC025 on D0, or through ASLC041 or ASLC042 by D1 only when the D0 return was missed due to systemic problems.