Construction Plan for Official Card Management System catalogue1. Overall design concept 32 Busi

Construction Plan for Official Card Management System
 
catalogue
1. Overall design concept 3
2 Business Description 3
3 Business Process 4
4 Function Design 5
4.1 Basic Information Maintenance of Official Card 5
4.2 Inquiry of Official Card Transaction Information 5
4.3 Application for reimbursement of official card 5
4.4 Official Card Payment Voucher 6
4.5 Payment and Refund of Official Card 6
4.6 Bank card consumption monitoring and reminders 6
4.7 Official Card Report Inquiry 6
 
1. Overall design concept
The official card management system is built on top of the national treasury payment management system, and is an extension of the payment methods of the national treasury payment management system. It is one of the important ways for authorized payment of fiscal funds. The finance department entrusts third-party banks to issue specialized bank cards for government civil servants to use for consumption. Government civil servants can use the official card to freely consume and use in the market. The information of the public consumption part is transmitted to the budget unit and finance department through the UnionPay system or the TIPS system of the People's Bank of China. Civil servants can use the card to claim reimbursement from the unit's finance department, while the private consumption part is repaid to the issuing bank by themselves. Finance can monitor the entire corporate consumption information in real-time and comprehensively, and the official card management system can unify the management of the city's official card issuance business, official card consumption and repayment information, etc.
In addition, the official card management system also supports downloading consumption data from UnionPay or card issuing banks through data exchange components. The various business models of official cards are closely integrated with the national treasury payment system, and payment applications are automatically generated and corresponding credit limits are deducted based on official card consumption information. The functions of the official card management system also include card opening management, repayment account management, and consumption record inquiry.
2 Business Description
Official card refers to a credit card held by staff members of financial budget units, mainly used for daily official expenses and financial reimbursement business. The scope of funds for official card consumption mainly includes travel expenses, conference expenses, entertainment expenses, and miscellaneous purchase expenses. When using an official card for consumption, both a bank card purchase receipt and a consumption receipt must be obtained at the same time.
The issuing bank, finance department, budget unit, and agent bank jointly complete the relevant management work of official cards through networking. Among them, the issuing bank is responsible for the management and consumption of official card information related to the production, issuance, credit limit control, consumption, and repayment of official cards. The budget unit is responsible for providing agency banks with official card applications, official card consumption reimbursement, and other related work. The proxy bank is responsible for confirming the payment and disbursing the reimbursement amount to the issuing bank. The finance department is responsible for the system management of official cards, as well as the payment of government funds through official cards and other related work. The clearing bank is responsible for payment and clearing work.
The main functions of the official card include:
Management of official card information: The basic information of official cards is mainly maintained by banks, and various changes in card information (new addition, loss reporting, suspension, cancellation) can be synchronized to the integrated system for filing.
Cardholder information management: The cardholder information of the official card is maintained by the official card system, mainly including adjustments to the cardholder's position or department.
Processing of official card consumption information: The UnionPay system or the TIPS system of the People's Bank of China transmits the information of corporate consumption to budget units and finance departments through network interfaces. The official card management system can obtain the bank's consumption information, and each unit's finance department can query the consumption situation based on the confidence of the consumption receipt, and at the same time fill out payment applications based on corresponding indicators.
Cash card processing: For those who should use official cards for consumption but cannot pay in cash due to card swiping or other reasons, the unit's finance department shall fill in the cash card application based on the indicators.
Official card reimbursement and repayment processing: Based on the approved payment application or cash card application, the unit's finance department can generate payment vouchers from multiple official card reimbursement information and submit the official card repayment information to the bank for repayment.
Official card consumption settlement: Official card repayment bank settlement is processed together with normal payment settlement.
Official card refund: The system can support refund services for official card purchases due to returns or other special reasons.
Its system functional structure diagram
Figure 4.11: Functional Structure of the Official Card Management System
3 Business processes
Figure 4.11: The process of consuming and reimbursing official cards is shown in the figure
4 Function Design
4.1 Basic Information Maintenance of Official Card
Official cards are generally applied for collectively by employees at a commercial bank. After the bank successfully processes the application, the data is transmitted to the official card system, which automatically connects the data to the system for use. If an employee adds, reports a loss, or cancels an official card during the process, the bank will automatically transmit the change information to the official card system through the exchange component for timely updates. However, when the cardholder's unit is adjusted or the corresponding repayment account information changes, the basic information of the official card can be maintained and modified.
4.2 Inquiry of Official Card Transaction Information
The corresponding transaction information can be extracted from the bank through the card number and transaction number. The transaction information exchanged with the bank is in XML format, and the transmitted data is shown in the following table:
Number Code Name Transmission Method Value Range Explanation
Consumer serial number parameters
Card number parameters
Consumption date parameter
Return of consumption amount
Return to consumption location
Cardholder return
Return of repayment account name
Repayment account return
Repayment account opening bank returns
Return by the latest repayment date
4.3 Application for reimbursement of official card
On the basis of the information provided by the bank, fill in the application for official card payment. The required information items include: reimbursement amount, budget subject, fund nature, and purpose. The system automatically corresponds the filled amount to the authorized limit of the unit. If it does not match or the limit is insufficient, the filling person should be controlled and reminded.
4.4 Official Card Payment Voucher
Official card payment vouchers need to provide the function of printing by summary and by details. The summarized rules should be made into system presets. Printing should have clear printing marks.
4.5 Payment and Refund of Official Card
When refunding official card payments, it is necessary to specify the consumption number and the official card number used for the consumption.
Refund points include refunds that have been settled and refunds that have been issued payment orders but have not been settled. In actual processing, a process is followed regardless of whether it is settled or not. Printed but uncleared refunds and normal payment orders are processed simultaneously.
4.6 Bank card consumption monitoring and reminders
Provide real-time official card consumption inquiry, set consumption limit and consumption alert limit, and automatically remind when approaching the consumption alert limit or consumption limit. Unpaid consumption should also be automatically reminded.
4.7 Official Card Report Query
Provide query and analysis tables related to official card consumption, payment and repayment. Summarize and standardize the purpose of printing into fixed information content. The purpose of direct payment summary is to use the maximum amount. The consolidation rule for the summary has been successfully set and can be classified at the class level.