1. Basic support:
By connecting with the enterprise ERP system, the bank-enterprise direct link can interact with bank accounts, approval processes and other information, helping enterprises to manage funds and maintain information conveniently.
2. Direct payment:
Initiated by enterprise ERP system, the payee's bank information is transmitted to the bank in the way agreed by the bank (intermediate table or message), and the bank returns the payment confirmation result.
3. Traffic query:
Initiated by banks on a regular basis, the account flow is passed through intermediate tables or messages. Based on account flow, the system can expand business based on bank flow:
(1) collection management: through screening the collection process, sorting out the collection information for accounting and financial management in the collection management module received from ERP;
(2) Bank reconciliation: Enterprise ERP system records the enterprise's own cash accounts, and after obtaining the bank flow through the direct connection between banks and enterprises, the data of both sides of bank reconciliation can be obtained. You can check bilateral records through reconciliation rules, promptly remind financial personnel whether there are any omissions or errors in the fund accounts, and automatically issue a bank balance reconciliation table to record the outstanding accounts;
③ Automatic bookkeeping: For companies with large fund business, through manual entry, bank accounts are prone to account errors, account omissions or rough bookkeeping dimensions, and cannot be matched with running water during reconciliation. Through the online query function of direct connection between banks and enterprises, bank online can be automatically sorted into enterprise fund accounts based on the rules agreed by both parties in the early stage, which greatly saves labor costs and reduces the difficulty of reconciliation;
At present, automatic bookkeeping is mostly used for cash pool business and payment business. Among them, due to the characteristics of large transaction volume and internal transactions, the cash pool business often misses the money of related parties in manual bookkeeping, which leads to the situation that internal transactions cannot be offset. Using the automatic bookkeeping function, only when the process provided by the bank is complete and correct, and the mapping maintenance is correct, can the bookkeeping be guaranteed to be correct; In the payment business, because the advance payment is initiated through the enterprise ERP system, in order to ensure the integrity of the process, the system will automatically match the invoice to generate the corresponding payment voucher according to the payment status information or flow returned by the bank.
4. Fund management
Fund management is mainly based on the existing basic data information and daily transaction information. The banking system or enterprise ERP system integrates the data of both parties, and issues daily reports, income inquiries and other reports needed for fund management. Because banks and enterprises are directly connected, the fund management report will be covered.