UnionPay business online service system functions:
The main functions include downloading reports, querying transaction details, obtaining analysis reports, online application for accounting treatment, online business handling, and publishing marketing information.
Functions of major banking systems:
1. Core business system: business functions include: general ledger management, card system management, customer information management, line control, deposit, loan, fund business, international settlement, payment settlement, external interface, etc.
2. Clearing system: The business function includes: according to the clearing date, calculating the receivable and payable amounts of related expenses such as handling fees, agency fees and network service fees for accounting transactions and non-accounting transactions according to the expense types, and submitting them to the core system for clearing after being confirmed by the liquidator.
3. International settlement system: its business functions include: the business system that banks provide customers with trade (or non-trade) foreign currency settlement, and its business includes: letter of credit, collection, remittance, factoring, letter of guarantee, import bill, export bill, export discount, forfaiting, packaged loan, etc.
4. Factoring business system; Business functions include: customer information management, contract information management, advance payment management, sales ledger, exchange rate, expenses, interest, limit, accounting summons, exception handling, overdue management, report management, etc.
5. Foreign exchange clearing system: business functions include: (1) providing efficient management of receiving and sending SWIFT messages, realizing automatic sorting and bookkeeping of messages, providing functions such as automatically finding remittance paths for payment messages and checking message blacklists. (2) Provide information inquiry, printing, inspection, monitoring, filtering and archiving functions.
6. Bank IC card system: business functions include: inquiry, withdrawal, consumption, pre-authorization, offline consumption, offline pre-authorization, sign-in and sign-out, key management, black and white list management, etc.
7. Credit card system: business functions include: credit card transactions mainly include cash advance, repayment (cash/transfer), Kaka transfer, credit card transfer, credit card cancellation application/cancellation, credit card activation, credit card loss reporting/replacement, password reset inquiry, bill/password reset and bill date adjustment.
8. Fund custody system: business functions include accounting, fund settlement (with Shanghai and Shenzhen registered clearing companies), investment supervision, account management, asset valuation, investment risk and performance evaluation.
9. Bond trading system: business functions include underwriting, distribution, repurchase, forward, self-support, agency and brokerage of bonds.
10, foreign exchange trading system: business functions include: realizing self-operated and valet settlement and sale of foreign exchange, foreign exchange trading and other transactions. Business types include spot, forward and rescheduling.
1 1, CRM system: Business functions include: (1) Bank product analysis mainly includes card business analysis, loan product analysis, settlement product analysis and wealth management product analysis. (2) Customer value analysis, demand analysis, behavior analysis, potential customer analysis, key customer analysis, bad customer analysis, sleeping customer analysis, lost customer analysis, customer information maintenance, blacklist management, etc. (3) Account manager's work record, task management, activity planning and customer feedback. (4) analysis of special merchants, planning and evaluation of market activities. (5) overdraft behavior analysis, collection analysis, credit evaluation, risk early warning, etc.
12, credit management system: business functions include: (1) interest rate management, exchange rate management, user management, blacklist management, litigation management, etc. (2) Customer data review, loan risk measurement, loan approval process, etc. (3) credit contract management, general guarantee contract management, credit asset quality monitoring, etc. (4) Write-off of bad debts and recovery of principal and interest.
13. risk management system: business functions include: risk management system and mechanism, risk management policies and procedures, risk management techniques and methods, risk management personnel, etc.
14, financial management system: business functions include: financial management, A/R and A/P management, construction in progress management, online self-service expense reimbursement for employees, budget management and other modules.
15, management accounting system: business functions include: internal fund transfer pricing, service transfer pricing, asset-liability management, budget management, etc.