Corporate Card Management System Structure:
According to the application specification of the “Chinese company/factory park integrated circuit IC card specificationâ€, the application of RF card in the enterprise is divided into three levels, namely, social application, digital enterprise application, and e-government application.
If there is no clear, coordinated and standardized business management system as a support for the above multi-level and diversified applications, it will be difficult to guarantee the fluency of applications and it will be difficult to ensure the improvement of service quality. The design of a perfect business management system is essentially based on the management innovation of digital companies. It goes beyond the original framework and operating model of business management, and it is a change to the existing organizational structure, management concepts, and management methods of management organizations.
Only by effectively designing the various aspects of the business management system can we truly achieve management innovation. There are four streams in the digital enterprise business management system: capital flow, card flow, workflow, service flow, and control flow. The flow of funds flows from outside the enterprise to the inside of the enterprise and from inside the enterprise to outside the enterprise. The workflow flows in parallel between the management agencies. The service flow flows in both directions between the individual and the organization. The control flow generally flows from the top to the bottom. Mainly manifested as control, supervision and other activities. In the business management system, various kinds of flows are a process that connects end to end and cycles, and it is also a dynamic process to achieve the goal of digital enterprise management.
The various aspects of the business management system are described as follows:
I. Digital Management Office
It is the highest management and decision-making body for e-cards and digital enterprise operations, upgrades, etc. It directs and coordinates the relationship between corporate card center, enterprise data center, enterprise settlement center, and enterprise administrative management department.
Second, the company card services center
Responsible for the management of each stage of the enterprise card life cycle. The card service center is the department and institution most closely and frequently in contact with cardholders in the e-card system. Responsible for the following tasks:
Business cards, card issuance, card sales, card replacement
Report loss, unlock, lock card, unlock, card maintenance
Card Information Inquiry
Card data query and management
III. Enterprise Settlement Center
In order to fully grasp the flow of corporate funds, to achieve centralized financial management, the deployment of unified funds, and improve the efficiency of the use of funds, the financial department of the company needs powerful tools. Supports the following powerful settlement management services:
Automatic water collection and fund clearing of electronic wallets;
Automated settlement and reconciliation processing with customizable cycles
Standardized financial report generation and printing;
Generate self-defined financial statements;
Fourth, enterprise data center
As a data base of a digital enterprise, it is responsible for the establishment and management of basic enterprise information platforms, and mainly completes the following tasks:
Data Center Information Platform Maintenance
Providing comprehensive and advanced information services for enterprise application departments
Provide basic data for each of the company's peripheral systems
Provides powerful data analysis and processing capabilities during system operation
Loyalty data sources for decision support systems
V. Enterprise Business Department
Each business department of a company acts as both the requester of enterprise application requirements and the user of the enterprise card. In order to improve the level and efficiency of the information management of their respective departments, the department's responsibility is to fully explore the convenience that can be brought about by the application of corporate cards in this sector, and submit them to the corporate management department for the required functions. For different departments, there are different business application rules:
Production department
It proposes all the technical and functional requirements needed to achieve the management of production, dispatch, personnel management, examination services, scientific research, etc., under the company's digital standards.
financial department
To realize the management of system capital flow and commercial settlement under the digital environment of e-business, formulate detailed e-card settlement management system and management methods, and formulate a scientific business settlement and accounting management system.
Personnel department
Provides employees with services in the company's life, study, and entertainment, instructs employees on how to use company cards to complete employee registration, and uses activities at venues within the company.
Security department
Instruct cardholders to use enterprise cards to conduct identity identification and activity control in key departments within the company.
Research Department
Instruct employees to use enterprise cards to complete the selection of research topics, registration of scientific research results, and publication of online results on the Internet or other self-service devices.
Corporate union
Completed the guiding work on the development of democratic life within employees and the protection of employees' rights and interests.
General Manager Office
Retrieval query All the statistics and analysis results provided by the digital enterprise e-leadership decision analysis system concerning enterprise construction, enterprise environment, enterprise e-card status, and employee activity in the enterprise.
Sixth, corporate accounting system design
System accounting system includes accounting, capital settlement, accounting settlement, financial settlement statements, statistical analysis and other parts. To fully support the multiple modes of fund operation in one district and multiple districts, according to the company's financial accounting methods and some related regulations, rigorous design, strong professionalism, combined with the actual situation of the company carefully built.
1, design goals
The e-card system of the company focuses on capital flow, sorts out a complete management organizational structure for various charging points of the enterprise, and clearly defines the charging items and charging points for all independent accounting units and non-independent accounting units, so that the company can grasp the flow of funds and The management of various income and expenditures and the strengthening of revenue and expenditure provide a powerful tool. To provide a scientific and modern means for achieving unified financial management will accelerate the efficiency of capital turnover, and also provide banks with a good space for providing more timely and thoughtful financial services to corporate finance departments and cardholders.
2. Design principles
1) Observe the accounting regulations for <<Accounting Standards for Business Enterprises>> and <<Financial Accounting Regulations>>
2) Focus on capital flows
3) Complete and complete organizational structure
4) Clearly settling units: businesses, merchants, individuals,
5) Provide macro-finance operation
6) Analyze Microfinance Use Distribution
7) Design features that reflect the 7*24-hour uninterrupted operation of the system
3, design features
The system business management system is designed in accordance with the principle of fully embodying the capital operation rules and business management models in the system. It supports the major expressions of the financial system including financial services and one-card settlement. At the same time, it is also independent of the internal business. A system outside the financial system has many advantages and characteristics:
Compatible with multiple modes
Mode optional customizable
According to the company's specific financial management methods, flexible choice of the business management system model to be used
Strong professional
parametric design
Strong analytical capabilities
Comprehensive capital flow control
Capital risk control ability and foresight
Flexible interface with corporate financial systems
4, accounting settlement
Account settlement is one of the core functions of the company's e-card system. It is a summary of the operation of system funds at each stage, including three levels: corporate, business, and personal.
1) Settlement for the company
From the perspective of the overall situation, the enterprise makes a summary of the reliability and credibility of the system's capital operation, summarizes the situation of system capital gains and losses, analyzes possible risk points, and carries out the next step of control and correction;
2) Settlement for merchants
Merchants proceed from their own commercial interests, take the initiative to find out the operational deficiencies, imagine how to make full use of the existing strengths to carry out more meticulous improvement, and strive to obtain greater profits in the next stage;
According to the e-card system's transaction statistics for each merchant, collect the income of each merchant periodically (eg, daily or weekly).
3) Settlement for individuals
The individual (card holder) analyzes whether the cardholder has effectively used the funds in the card and caused no waste, based on the settlement and statistical analysis results of the card balance and usage details, and makes a periodic summary of his own consumer behavior.
5, fund settlement
The outreach and inline of the system must inevitably deal with different systems, different departments, different plant areas, and different companies, and reflect the liquidation of funds on account transactions.
6, statistical analysis
Statistical analysis provides staged results data from the overall height for management to provide system operating conditions.
1) Analysis of operations statistics
Including the overall system operations analysis, transaction volume analysis, cash inventory analysis, transaction distribution analysis, business analysis, and many other valuable data to illustrate the use of the system.
2) Business Income Analysis Statistics This analysis can guide merchants to change their existing inappropriate business strategies and obtain a higher profit by comparing and analyzing the best business direction.
3) Analysis of employee consumption characteristics
Through the analysis of employees' card use and consumption situation, we can find out where the employees' most concentrated activities are, and at what points or situations they like to use cards, etc., so that the company's layout can be adjusted based on the analysis results. Then arrange several merchants and so on.
7, financial statements
The powerful financial reporting function will provide intuitive data acquisition and analysis capabilities for various use departments and management of the company, and provide direct help for timely adjustment of the company's strategy (including distribution of terminals, distribution of merchants, and adjustment of departments, etc.). Strong persuasiveness and credibility.
1) Merchant Settlement Report
This table is used to reflect the settlement status of the business income of the company's merchants
2) Personal accounting report
This table is used to reflect the settlement status of each cardholder during a certain period of time.
3) Operating income report
The operating income includes various fee income, balance of corporate card purse income and so on.
4) Funds Liquidation Report
Reflect the settlement of funds with various departments, units and units outside the factory.
8, reconciliation system design
The unreliability of information systems is objective and cannot be absolutely avoided. Therefore, when designing a system, the system should not stand on the completely error-free innocence thoughts and luck of each component or device, nor should it be based on the ability to use and maintain personnel audits and manual maintenance, but should be based on systems. The perfect preventive, error checking and error correcting capabilities must be carefully controlled to keep them within the minimum scope. To make this system capable of this kind of capability, a complete and efficient reconciliation mechanism must be established for the user to increase the credibility and satisfaction of the system's fund operation. In this regard, our company's e-card system has designed a billing verification standard. The overall train of thought is: Starting from the height of the system's overall capital flow, comprehensive, accurate and real-time grasp of the accounting situation, prevention-based, controllable automatic error correction As a supplement, eliminating manual operations, the overall accuracy of settlement must fully meet financial standards.