虚拟账户变更

Virtual Accounts are an account structure which allow customers to segregate balance and transactional information under a single ‘Physical’ or ‘Core’ account held with ANZ. In ANZ Transactive – Global, each virtual account is distinctly identified by an account number, either issued by ANZ or selected by the customer, which can also include account aliases. After a virtual account has been setup, a unique virtual account number can be assigned to each debtor/payor, often included as part of the invoice, for use when remitting funds.

The ANZ Transactive – Global Virtual Account solution is Supplemental Account Services.

Full Match virtual account numbers include the full account number, including the unique Payer ID. When a transaction is received at ANZ, funds are credited to the physical bank account. Account statements can then segment transactions by the virtual account Payer ID.

Partial Match virtual account numbers include the full account number, excluding the unique Payer ID. When a transaction is received at ANZ, funds are credited to the physical bank account. The unique payer identifiers are available at a transaction level in narratives on the account statement.

There are two types of virtual accounts in ANZ Transactive – Global:

1. Controlled Accounts: virtual account numbers are linked to the physical bank account, for the same legal entity. Overall, funds belong to the physical account holder. In most cases, Controlled Accounts can be opened, maintained and closed on the virtual account platform.
2. Context ID: a range or set of extended virtual account numbers attached to the Controlled Account, e.g. payer identifiers, a policy number or an invoice number, to allow payment level tracking. These are optionally employed. Context IDs are similar to the ‘Full Match’ Payer Identifier in ANZ Transactive Cash Asia.

Virtual accounts can also now also be composed into account hierarchies, with Context ID's attached to Controlled Accounts or hierarchies of Controlled Accounts under Sub Accounts. However, Sub Accounts cannot be under Controlled Accounts. Account hierarchies are a new feature on the virtual account platform.

Virtual accounts are currently added and maintained via the ANZ Transactive – Global Maintenance Form. After you are migrated to Supplemental Account Services, you will use the Supplemental Account Services Opening & Maintenance Form to create and maintain virtual accounts. Controlled Accounts that meet certain conditions can be opened, activated and maintained via the Supplemental Account Services account issuance process.

In ANZ Transactive Cash Asia you are able to associate meaningful reference data to your virtual account transactions. These codes and references may be for information maintained on account receivables systems, such as when payments are received and a virtual account number has been used. This reference information can be used to match the transaction to the debtors account on account receivables systems.

When adding new Controlled Accounts in ANZ Transactive Cash Asia, you can add up to 6 meaningful labels to be associated with a virtual account transaction: ‘Payer Code’ and ‘Narrative 1’ to ‘Narrative 5’. In addition to the Context ID facility available in ANZ Transactive – Global, information in ‘Reference 1’ to ‘Reference 10’ fields can be associated with each virtual account transaction.

The ANZ Transactive Cash Asia ‘Virtual Account Partial Match Narration Report’ has been replaced by the ‘Context ID Transaction Report’. For each payment received where a virtual account number has been used, these reports provide details of the payment (date, amount, virtual account number), Context IDs (if used), and/or any references associated with the virtual account number to allow the transaction to be matched to the debtors account in your account receivables.

In ANZ Transactive – Global, an alternate approach to using reference fields will be to reconcile directly using the virtual account number (and Context ID, if used), which is also provided as part of the transaction narrative on the physical account statement. This approach requires that you maintain the mapping between the virtual account number and debtor. If this not feasible, using virtual account reference information can provide a solution.

There are payment transaction narrative changes for customers migrating from ANZ Transactive Cash Asia virtual accounts to ANZ Transactive – Global (Supplemental Account Services). The changes are additional information and/or increases in field lengths. Previous and new narratives for payment types on the physical account for:

• Singapore Transactive Cash Asia virtual accounts starting with 77xxxxxxx
• Hong Kong Transactive Cash Asia virtual accounts starting with 99xxxxxxx

For more information, please refer to the Inward payment narratives for Virtual Accounts article. 

ANZ Transactive Cash Asia account statements were available only on the physical account and not on the virtual account. In ANZ Transactive – Global, an account statement can be provided for each virtual account.

ANZ Transactive Cash Asia did not provide an e-mail credit advice for transactions received for a virtual account. In ANZ Transactive – Global, e-mail advices are available for Controlled Accounts. Credit advices will include the Context ID used by the payer.

The following details reports that you currently use in ANZ Transactive Cash Asia and the equivalent report that you will use in ANZ Transactive – Global.

Report Function	ANZ Transactive Cash Asia Report Name	ANZ Transactive – Global Report Name
Register of the current and legacy virtual accounts and the account they are linked to	Virtual Account Issuance Report	SAS Context ID Issuance Report
Details on payments received for a virtual account	Virtual Account Transaction Status Report	SAS Context ID Transaction Report
Set-up details of the ANZ Transactive Cash Asia virtual accounts where Partial Match enabled, with the associated Payor per the narration fields	Virtual Account Partial Match Narration Report	Report will not be available.