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The settlement center is responsible for the management of funds and accounts in the one-card system of banks, schools, merchants, and cardholders. It is divided into merchant management and settlement, bank transfer reconciliation and transfer account replenishment, system comprehensive financial statements (business and cashier), management and issuance of student subsidies, card business cancellation and settlement, host cash recharge, classification breakdown report (annual , Month, day, meal, customer classification and other reports) and other modules. And supports the clearing and settlement function.
Classified reports can reflect various reports in the system, complete various financial query printing or settlement functions, and provide complete accounting settlement vouchers and settlement procedures.
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Basic functions of settlement center
The double-entry bookkeeping method is used to identify the occurrence of the business with the borrowing and lending parties. If there is a borrow, there must be a loan, and the borrowing and lending must be equal.
Standard subject classification: assets, liabilities, equity, profit and loss (revenues, costs, expenses, taxes and surcharges), in full compliance with national financial standards.
According to the subject management of the management center, accounting vouchers can be automatically generated and seamlessly connected with the financial system. When generating a voucher, transaction data does not need to be manually entered, and a certain time interval is set to automatically summarize the voucher amount.
The main fund transaction business: transfer of deposits, cash recharge, living allowance, campus card consumption, merchant income payment.
Merchant management and settlement
Merchants can be divided into independent settlement merchants and non-independent settlement merchants. Independent merchants such as logistics groups, contractors allowed by the school, etc., can be directly settled from the school’s financial office. Non-independent merchants refer to units that do not have independent settlement from the financial department, such as a group under a restaurant.
When a merchant opens an account, it assigns settlement authority and registers the basic information of the merchant, such as name, account opening bank, account number, contact information, etc. The system creates a merchant card for each independent settlement merchant. The merchant card records the merchant’s basic information and The last settlement.
When merchants go to the financial office for settlement, they use the merchant card to settle the settlement. First, swipe the card. The software interface displays the basic information of the merchant and the previous settlement situation, whether there is any previous settlement carried forward, etc.
According to the information of the merchant card, print this settlement report. This settlement report contains the last settlement carryover. The merchant can present the settlement statement and find the person in charge of finance to sign. After signing, print the payment voucher, and the staff of the finance department will proceed according to the payment voucher. Payment. The amount of the settlement report and the payment voucher may not be the same. There may be a partial payment. If the payment is made in full, the amount of the settlement report and the payment voucher are the same. If there is no payment in the settlement report, it will be automatically carried forward to the next time.
When printing the payment voucher, write the merchant’s current settlement situation into the merchant card, and record the merchant’s settlement situation in the database. The information includes the amount to be settled, the actual settlement amount, the settlement accounting period, the merchant number, the settlement time, and the payment voucher number. Statement number, etc.
In merchant settlement, accounting vouchers (payment vouchers) can be automatically generated based on the selection of parameter data, and accounting vouchers can be printed, so as to seamlessly connect with the school’s financial system.
After the merchant card is lost, report the loss immediately and freeze the merchant’s settlement status. After the expiration of the loss report period, the merchant replenishes the card, and the original merchant card cannot be used. Without a merchant card, settlement is not possible.
When a merchant withdraws an account, the merchant card will be withdrawn, the settlement status of the merchant account will be frozen, and the merchant’s POS machine will withdraw the authorization, the merchant’s POS machine cannot be used normally in the system, and the merchant’s historical data will be retained.
Merchants can print out statements on a regular basis to reconcile the settlement situation within a certain period of time.
Clearance and liquidation
Detailed transactions are accumulated by time and merchant number, summarizing the business data that occurred on the day. Statistics are classified by merchant level and can be performed across workstations. Each POS machine ultimately belongs to a certain merchant. For example, if a merchant has POS machines in two canteens, it is possible to count the business turnover according to the merchant instead of adding the statistics based on the POS machine.
Bank transfer reconciliation and replenishment
The load transfer system receives the previous day’s reconciliation documents from the bank every day, and operates the reconciliation program in the settlement center. The reconciliation program checks the transfer records in the reconciliation file with the transfer records in the card center database. After the reconciliation is completed, The results of the reconciliation show different states. If an abnormal record is found, the system will generate a file of the abnormal record and send it to the bank for verification.
During the automatic loading process, if the card writing fails, the system will initiate a charge against the bank. If the charge is not received for three consecutive times, the system considers the transaction to be unsuccessful. At this time, the bank has placed the account, but the card writing fails, and the transfer amount will be rewritten to the campus card for the account transfer.
Management and distribution of subsidies
Determine subsidy objects, standards and adjustments, preparation, suspension, deduction, and reissuance of living subsidies. According to the standard of the subsidy type, the student’s monthly subsidy amount is generated, and it has the function of authorizing when the POS machine is issued. There are two ways to generate subsidies, one is based on the type of subsidy, and the other is an externally introduced method.
Statistical Analysis
The statistical reports of various capital transactions are divided into daily, monthly, periodical, and annual reports.
Perform a combination of multiple conditions to query the accounts of cardholders, merchants, and charging units.
Analysis of the comprehensive consumption level of cardholders.
Analysis of business status of merchants.
The report details are divided into business report, cashier report, financial report, subsidy report, transfer report, comprehensive report, customer report, etc.
Detailed logs, every important database operation will generate logs for future reference and automatically upload them to the central server.
There are special operation interfaces for abnormal operations, such as loading and replenishing accounts, blacklisting consumption, offsetting accounts, offline consumption of POS machines, etc. .
Consumption, subsidies, recharge, load transfer, etc., according to different time periods, consumption points, cardholders, and financial requirements to generate detailed, summary, and settlement statements for different functions.
The business machine is authorized to issue subsidies, and the automatic payment time of subsidies is set and managed by the financial department. Without authorization, the payment of subsidies cannot be cancelled.
The financial settlement mechanism and statements comply with the relevant national financial regulations
Custom query
Support database multi-table related query, support inner join and left outer join
Support complex calculations between rows and cells
Provides primary and secondary expressions, can perform secondary processing on the report data source, and support complex calculations between rows and cells
Support report field customization
The operator adds the database fields to the required report according to the rules, and customizes the display meaning. When setting the report query conditions, they can freely and flexibly define various fuzzy conditions and display formats
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