Credit Report
1. What is this page for?
The Credit Report page is used to audit and record snapshots of agent wallet balances (Agent Wallet Credit) against third-party payment gateway balances (Jinlipay) at accounting cutoff moments. Finance teams and site administrators use these audited snapshots to reconcile database figures against external balances, ensuring zero credit leakage, verifying gateway settlement accuracy, and identifying any discrepancy immediately. Snapshots can be scheduled to run automatically alongside daily summary closings or captured manually on demand when payment gateways are paused.
2. Before you start
- Permissions: You must have the 'Credit Report' permission granted in your role to view reports on this page. To save automated schedule settings or trigger manual credit snapshot recordings, you must also have the 'Update Credit Report' permission.
- Prerequisites:
- Choose your snapshot schedule mode: whether snapshots should run in tandem with the Daily Summary closing or follow an independent custom cutoff schedule.
- To record a manual snapshot on demand: both deposit and withdrawal payment operations must be turned off in the Bank Shortcut Control until their statuses change to Frozen.
3. Page layout
When opening the Credit Report page, you will see the following key sections from top to bottom:
- Page Header: Displays the title Credit Report and a summary description.
- Controls Section: Divided into two primary cards:
- Left Card Snapshot Schedule & Auto-Cutoff Settings: Choose between Based on Daily Summary Report mode or Custom Scheduled Cutoff Time mode, set the cutoff time, and configure post-cutoff gateway resumption (Automatic vs Manual).
- Right Card Record Credit Snapshot Request: Displays current system time, real-time deposit/withdrawal freeze statuses, locked warnings, safe-to-resume banners, and the Record Credit Snapshot button.
- 4 Stat Cards:
- Live Agent Credit: Current real-time credit balance in the agent wallet.
- Live Jinlipay Total: Current live total balance across all Jinlipay gateway channels.
- Last Snapshot Agent Credit: Agent wallet credit recorded in the most recent snapshot.
- Last Snapshot Jinlipay Total: Jinlipay total balance recorded in the most recent snapshot.
- Search & Filter Toolbar: Search input for dates or keywords, and a date range picker (defaults to the last 7 days).
- Credit Snapshots Data Table: Itemized history of credit snapshots displaying timestamps, closing source, agent credit, Jinlipay total, reconciliation status, and action buttons.
- Pagination Toolbar: Located at the bottom of the table to switch pages and adjust rows displayed per page.
4. Search and filters
| Field / Filter | Type | Options / How to use | Result |
|---|---|---|---|
| Search reports… | Text input | Type a date or keyword and press Enter or click search | Filters the table to display matching snapshot records |
| Date range | Date picker | Select a start date and an end date (defaults to the last 7 days) | Restricts the table to snapshots recorded within the chosen timeframe |
| Clear all | Button | Click the X icon on filter chips or click clear | Resets the date filter back to the default 7-day window |
5. Data table
Columns in the table
| Column | What you see | Meaning | Visual badge / styling |
|---|---|---|---|
| Date | Date and time, e.g. 21 Oct 2026 00:00:05 | Exact timestamp when the credit snapshot was frozen and recorded | Bold dark date with gray time below |
| Closing Mode | Operational source badge | Mechanism that triggered the snapshot | Blue badge: Auto Cutoff Purple badge: Manual Close |
| Agent Wallet Credit | Currency sign and amount, e.g. ฿ 2,500,000.00 | Total credit balance in local agent wallet (indicates multi-currency counts if present) | Monospace numeric font |
| Jinlipay Balance | Currency sign and amount, e.g. ฿ 2,500,000.00 | Total balance detected across Jinlipay gateway channels (indicates pending amounts if present) | Monospace numeric font; orange text for pending withdrawals |
| Reconciliation Status | Reconciliation badge | Result of mathematical comparison between local database credit and external gateway balances | Green badge: Reconciled (zero difference) Red badge: Discrepancy / Blocked (balance mismatch) |
| Action | Eye icon button | Opens the Credit Snapshot Details modal | Gray icon button; highlights on hover |
Action buttons in the table
| Action / Button | Position | What happens when clicked | Notes / Conditions |
|---|---|---|---|
| View Snapshot Details | Eye icon button or click row | Opens the Credit Snapshot Details popup modal displaying full currency reconciliations and gateway ledger breakdowns | Clickable anytime on any recorded row |
6. Step-by-step instructions
1. Setting up automated credit snapshot schedules
- Go to Reports > Credit Report from the left navigation sidebar.
- In the left Snapshot Schedule & Auto-Cutoff Settings card, select your preferred schedule mode:
- Based on Daily Summary Report: System captures the snapshot automatically following the Daily Summary report cutoff time (e.g. 00:00), inheriting the post-cutoff gateway action.
- Custom Scheduled Cutoff Time: Select this option to run independent snapshots:
- In Custom Cutoff Time (Bangkok Time), enter the time in
HH:mmformat (e.g.23:59) in GMT+7. - Under Post-Cutoff Deposit & Withdrawal Action, choose Automatic (Auto-Resume) or Manual (Staff Action).
- In Custom Cutoff Time (Bangkok Time), enter the time in
- Click Save Schedule Settings.
- A green alert confirms that Schedule settings saved successfully.
2. Recording a manual credit snapshot on demand
- Locate the right Record Credit Snapshot Request card.
- Check the real-time indicators for Deposit Status and Withdrawal Status:
- If either displays a red Active or orange Freezing… badge, the recording button remains disabled.
- Open the Bank Shortcut Control in the top navigation bar and turn off both deposit and withdrawal switches.
- Wait 10–30 seconds until both status badges turn green and display Frozen.
- Once both are frozen, the indicator dot next to the record button pulses green. Click Record Credit Snapshot.
- The system queries local wallet credits and external Jinlipay balances, writing a new snapshot record.
- The table updates with the newly recorded row, accompanied by a green confirmation: Credit snapshot recorded successfully.
3. Re-enabling payments after recording (Manual mode)
- When a snapshot completes in Manual mode, an alert banner appears above the controls.
- Confirm the message: Recording Complete — Safe to Turn On Deposits & Withdrawals.
- Click the Turn On Deposits & Withdrawals Now button on the green banner.
- Both deposit and withdrawal channels re-open, and a green confirmation confirms: Deposit and withdrawal operations have been enabled successfully.
7. Credit snapshot details popup
Clicking on any row or clicking the eye icon opens an audit dialog displaying deep snapshot breakdowns:
1. Meta Summary
- Closing Mode: Displays Auto Cutoff (blue) or Manual Close (purple).
- Date: Full timestamp of the snapshot down to seconds.
- Closed By Staff: Displays the staff member's username who triggered the snapshot, or System for automatic runs.
2. Agent Wallet Balances Table
Compares local system credit against external gateway credit across each currency:
| Column | Meaning | Visual badge / styling |
|---|---|---|
| Currency | Currency code (e.g. THB) | Blue dot bullet |
| Local Database Credit | Credit balance stored in the Winnova CMS database | Monospace numeric font |
| External Gateway Credit | Live credit reported by external provider gateways | Monospace numeric font |
| Difference | Difference between local credit and external credit | 0 = Gray Positive = Green Negative = Red |
| Status | Match verification status | Green badge: Balances Match Perfectly Red badge: Discrepancy Detected |
3. Jinlipay Gateway Breakdown
Itemized status of funds inside the Jinlipay gateway at the snapshot moment:
| Metric / Card | Meaning | Styling |
|---|---|---|
| Spendable Balance | Net liquid balance available for player withdrawals | Monospace font |
| Locked in Pending Withdraw | Balance reserved for pending withdrawal orders | Orange monospace font |
| In-Progress Transfers | Payout transfers currently in transit | Blue monospace font |
| Total Balance | Aggregate Jinlipay balance (Spendable + Pending + In-Progress) | Extra-bold green monospace font |
| Pending Orders Count | Count of withdrawal orders currently queued | Orange warning icon and count |
| Checked Timestamp | Exact timestamp when Jinlipay gateway balances were queried | Small text next to section title |
8. Badges and color indicators
| Badge / Display | Color | Meaning | Next Action |
|---|---|---|---|
| Auto Cutoff | Blue badge | Snapshot captured automatically by scheduled cutoff | Standard audit record |
| Manual Close | Purple badge | Snapshot captured manually by staff | Verify actor and reason for manual trigger |
| Reconciled | Green badge | Local wallet credits and external balances match perfectly (difference = 0) | Balances verified; no action needed |
| Discrepancy / Blocked | Red badge | Balance mismatch detected between local database and external gateways | Click eye icon to investigate variances |
| Frozen | Green badge with checkmark | Payment operations paused; zero in-flight transactions | Ready to click Record Credit Snapshot |
| Freezing… | Orange badge with spinner | System waiting for pending bank transactions to clear | Wait a few seconds |
| Active | Red badge with warning | Payment gateways are actively processing deposits or withdrawals | Turn off switches via Bank Shortcut |
| Safe to Turn On Deposits & Withdrawals | Green banner | Snapshot complete; system is in Manual post-cutoff mode | Click Turn On Deposits & Withdrawals Now |
| Recording Snapshot in Progress | Orange banner with spinner | System is fetching balances; payment switches are locked | Wait until recording completes |
9. Frequently encountered errors and troubleshooting
| Alert message | Cause | How to resolve |
|---|---|---|
| You do not have permission to view the credit report. | Account lacks viewing permissions | Contact administrator to grant 'Credit Report' permission |
| Your account has view-only permission. Update permission is required to record snapshots or save schedule settings. | Account has view rights but lacks update permissions | Request 'Update Credit Report' permission from your system administrator |
| Deposits and withdrawals must both be turned off and in Frozen status before recording. | Attempted to click record while deposit or withdrawal gateways were Active or Freezing | Turn off both switches in Bank Shortcut and wait for both to display Frozen |
| Please enter a valid time (HH:mm) | Invalid time format entered for custom schedule | Enter hours (00–23) and minutes (00–59) separated by a colon, e.g. 23:59 |
| Could not enable deposit and withdrawal operations | Error communicating with bank shortcut service | Click Turn On Deposits & Withdrawals Now again, or toggle switches manually via the top bank shortcut menu |
| Could not load credit report data. | Network drop or server timeout | Click Try again or click the refresh button at the top-right of the table |
10. Frequently asked questions (FAQ)
Q: Why must both deposit and withdrawal gateways be Frozen before recording a snapshot?
A: If a player deposits or withdraws funds at the split-second balances are queried, database records and external gateway totals will diverge. Freezing gateways ensures static numbers for 100% accurate reconciliation.
Q: What should I do if a snapshot displays a "Discrepancy / Blocked" status?
A: Click the eye icon to inspect the details modal. Check the Agent Wallet Balances table to identify which currency has a variance, and review Locked in Pending Withdraw or In-Progress Transfers under Jinlipay. If numbers remain unresolved, notify your finance supervisor or technical support immediately.
Q: How does "Based on Daily Summary Report" differ from "Custom Scheduled Cutoff Time"?
A: Based on Daily Summary runs the snapshot simultaneously with the daily accounting closing, inheriting the same cutoff time and post-cutoff action. Custom mode operates independently at a custom hour and minute designated by staff.
Q: Does this page synchronize balances in real-time?
A: Yes. Stat cards and gateway freeze indicators synchronize live automatically. When balances change or new snapshots complete, the page updates automatically without requiring a manual browser reload.