Zovo Bank Reconciliation
Reconcile a bank account against your books and see which items do not match.
我该使用它吗
质量与安全性
A
发现（1）
- LOWTool 'explain_reconciliation_difference' name length outside 3-30 range在 explain_reconciliation_difference 中
基于对工具定义和协议合规性的自动分析。
上下文开销
~4,759token 数（工具定义）
~26.5 KB典型响应大小
对注意力有显著影响（占 128k 上下文窗口的 3.72%）
这是每次将服务器的工具加载到模型上下文窗口时所消耗的大致 token 数。数值越高，可用于其他任务的注意力就越少。
安装
一键安装
将以下内容添加到你的 `claude_desktop_config.json` 文件中：
{
"mcpServers": {
"bank-reconciliation": {
"url": "https://bank-reconciliation.zovo.one/mcp"
}
}
}远程端点
https://bank-reconciliation.zovo.one/mcpstreamable-http它能做什么
工具清单
工具（2）
🟢 只读🟡 写入🔴 删除⚪ 未知
🟡reconcile_bank_to_books(bank_file, books_file, period_end, date_window_days, check_clear_days, ...)
Use this when the user attaches a bank export or statement AND their books (cash account register or general ledger export from accounting software or a spreadsheet) and wants a bank reconciliation: "reconcile my bank statement", "reconcile bank statement against my books", "list what doesn't match", "find outstanding checks and deposits in transit", "match bank transactions to the ledger". Matches rows by check number, amount and date (with a date window), and sums (one deposit = several invoices); lists all unmatched rows on both sides with a classification (outstanding check, deposit in transit, bank fee, interest, NSF, likely duplicate, likely amount typo); builds adjusted bank vs adjusted book balance (PASS only at $0.00); returns an Excel workbook and a PDF reconciliation statement. Does not connect to bank accounts or accounting software, does not post entries, and is not for a single statement without books (use a statement converter for that). Supports up to 20,000 rows per file; CSV and text tables have a 2,000,000-cell limit (including empty cells). Each call saves new Excel and PDF files on the plugin server for 1 hour (private download links), then deletes them.
输入模式
{
"type": "object",
"properties": {
"bank_file": {
"type": "object",
"properties": {
"download_url": {
"type": "string",
"description": "Temporary download link for the file, supplied by ChatGPT."
},
"file_id": {
"type": "string",
"description": "ChatGPT file id, e.g. file_abc123."
},
"mime_type": {
"description": "Media type if known, e.g. application/pdf.",
"type": "string"
},
"file_name": {
"description": "Original file name if known, e.g. statement.pdf.",
"type": "string"
}
},
"required": [
"download_url",
"file_id"
],
"description": "The bank side: the bank's CSV or Excel (.xlsx) transaction export, or a text PDF bank statement, e.g. bank-september.csv."
},
"books_file": {
"type": "object",
"properties": {
"download_url": {
"type": "string",
"description": "Temporary download link for the file, supplied by ChatGPT."
},
"file_id": {
"type": "string",
"description": "ChatGPT file id, e.g. file_abc123."
},
"mime_type": {
"description": "Media type if known, e.g. application/pdf.",
"type": "string"
},
"file_name": {
"description": "Original file name if known, e.g. statement.pdf.",
"type": "string"
}
},
"required": [
"download_url",
"file_id"
],
"description": "The book side: the cash/bank account register or general ledger export from accounting software or a spreadsheet (CSV or .xlsx), e.g. books-september.xlsx."
},
"period_end": {
"description": "Statement / period end date YYYY-MM-DD, e.g. 2026-09-30. Default: the statement end on a PDF, else the month end of the last book entry (capped by the bank file).",
"type": "string",
"maxLength": 10
},
"date_window_days": {
"description": "Days a bank posting may differ from the book date and still match the same amount, e.g. 5 (default).",
"type": "integer",
"minimum": 0,
"maximum": 31
},
"check_clear_days": {
"description": "Days a check may take to clear and still match by amount, e.g. 60 (default). Matches by check number allow the same span.",
"type": "integer",
"minimum": 1,
"maximum": 366
},
"max_group_size": {
"description": "Most rows combined when one deposit equals several book entries (or the reverse), e.g. 4 (default).",
"type": "integer",
"minimum": 2,
"maximum": 6
},
"books_sign": {
"description": "Sign of the books file amounts: auto (default) flips only when the amounts clearly match the bank with the opposite sign; as_written keeps them; flip reverses them. Example: auto.",
"type": "string",
"enum": [
"auto",
"as_written",
"flip"
]
},
"date_order": {
"description": "Order of numeric dates in both files: MDY (US, 09/02/2026) or DMY (02/09/2026). Detected per file when a day is above 12; US is assumed otherwise.",
"type": "string",
"enum": [
"MDY",
"DMY"
]
},
"bank_columns": {
"description": "Optional column names for the bank file when auto-detection picks the wrong column, e.g. {\"date\":\"Post Date\",\"amount\":\"Amount\"}.",
"type": "object",
"properties": {
"date": {
"description": "Header of the date column, e.g. Posting Date.",
"type": "string",
"maxLength": 60
},
"description": {
"description": "Header of the description/payee/memo column, e.g. Payee.",
"type": "string",
"maxLength": 60
},
"amount": {
"description": "Header of a single signed amount column, e.g. Amount.",
"type": "string",
"maxLength": 60
},
"debit": {
"description": "Header of the debit column, e.g. Debit (bank file: money out; books file: money in).",
"type": "string",
"maxLength": 60
},
"credit": {
"description": "Header of the credit column, e.g. Credit (bank file: money in; books file: money out).",
"type": "string",
"maxLength": 60
},
"check_no": {
"description": "Header of the check or reference number column, e.g. Num.",
"type": "string",
"maxLength": 60
},
"balance": {
"description": "Header of the running balance column, e.g. Balance.",
"type": "string",
"maxLength": 60
}
}
},
"books_columns": {
"description": "Optional column names for the books file, e.g. {\"date\":\"Date\",\"debit\":\"Debit\",\"credit\":\"Credit\",\"check_no\":\"Num\"}.",
"type": "object",
"properties": {
"date": {
"description": "Header of the date column, e.g. Posting Date.",
"type": "string",
"maxLength": 60
},
"description": {
"description": "Header of the description/payee/memo column, e.g. Payee.",
"type": "string",
"maxLength": 60
},
"amount": {
"description": "Header of a single signed amount column, e.g. Amount.",
"type": "string",
"maxLength": 60
},
"debit": {
"description": "Header of the debit column, e.g. Debit (bank file: money out; books file: money in).",
"type": "string",
"maxLength": 60
},
"credit": {
"description": "Header of the credit column, e.g. Credit (bank file: money in; books file: money out).",
"type": "string",
"maxLength": 60
},
"check_no": {
"description": "Header of the check or reference number column, e.g. Num.",
"type": "string",
"maxLength": 60
},
"balance": {
"description": "Header of the running balance column, e.g. Balance.",
"type": "string",
"maxLength": 60
}
}
},
"bank_ending_balance": {
"description": "Ending balance on the bank statement at period end, in dollars, e.g. 48210.55. With book_ending_balance this gives the full adjusted-balance reconciliation.",
"type": "number",
"minimum": -100000000000,
"maximum": 100000000000
},
"book_ending_balance": {
"description": "Cash account balance in the books at period end, in dollars, e.g. 51022.10.",
"type": "number",
"minimum": -100000000000,
"maximum": 100000000000
}
},
"required": [
"bank_file",
"books_file"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"PASS",
"DIFFERENCE",
"BALANCES_NEEDED"
],
"description": "PASS only when both ending balances are known and the difference is $0.00; BALANCES_NEEDED = activity explained, balances needed."
},
"mode": {
"type": "string",
"enum": [
"balances",
"partial",
"activity"
]
},
"period_end": {
"type": "string"
},
"files": {
"type": "object",
"properties": {
"bank": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"type": "string"
},
"rows": {
"type": "number"
}
},
"required": [
"name",
"type",
"rows"
],
"additionalProperties": false
},
"books": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"type": "string"
},
"rows": {
"type": "number"
}
},
"required": [
"name",
"type",
"rows"
],
"additionalProperties": false
}
},
"required": [
"bank",
"books"
],
"additionalProperties": false
},
"counts": {
"type": "object",
"properties": {
"matched": {
"type": "number"
},
"matched_bank_rows": {
"type": "number"
},
"matched_book_rows": {
"type": "number"
},
"by_check_number": {
"type": "number"
},
"same_date": {
"type": "number"
},
"within_window": {
"type": "number"
},
"many_to_one": {
"type": "number"
},
"one_to_many": {
"type": "number"
},
"ambiguous": {
"type": "number"
},
"bank_only": {
"type": "number"
},
"book_only": {
"type": "number"
},
"typo_pairs": {
"type": "number"
}
},
"required": [
"matched",
"matched_bank_rows",
"matched_book_rows",
"by_check_number",
"same_date",
"within_window",
"many_to_one",
"one_to_many",
"ambiguous",
"bank_only",
"book_only",
"typo_pairs"
],
"additionalProperties": false
},
"reconciliation": {
"type": "object",
"properties": {
"bank_side": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string"
},
"amount": {
"type": "number"
}
},
"required": [
"label",
"amount"
],
"additionalProperties": false
}
},
"book_side": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string"
},
"amount": {
"type": "number"
}
},
"required": [
"label",
"amount"
],
"additionalProperties": false
}
},
"adjusted_bank": {
"type": "number"
},
"adjusted_book": {
"type": "number"
},
"difference": {
"type": "number"
},
"balances_from": {
"type": "string"
}
},
"required": [
"bank_side",
"book_side",
"adjusted_bank",
"adjusted_book",
"difference",
"balances_from"
],
"additionalProperties": false
},
"bank_only_by_class": {
"type": "array",
"items": {
"type": "object",
"properties": {
"class": {
"type": "string"
},
"count": {
"type": "number"
},
"total": {
"type": "number"
}
},
"required": [
"class",
"count",
"total"
],
"additionalProperties": false
}
},
"book_only_by_class": {
"type": "array",
"items": {
"type": "object",
"properties": {
"class": {
"type": "string"
},
"count": {
"type": "number"
},
"total": {
"type": "number"
}
},
"required": [
"class",
"count",
"total"
],
"additionalProperties": false
}
},
"top_bank_only": {
"type": "array",
"items": {
"type": "object",
"properties": {
"row": {
"type": "number"
},
"date": {
"type": "string"
},
"description": {
"type": "string"
},
"amount": {
"type": "number"
},
"class": {
"type": "string"
}
},
"required": [
"row",
"date",
"description",
"amount",
"class"
],
"additionalProperties": false
}
},
"top_book_only": {
"type": "array",
"items": {
"type": "object",
"properties": {
"row": {
"type": "number"
},
"date": {
"type": "string"
},
"description": {
"type": "string"
},
"amount": {
"type": "number"
},
"class": {
"type": "string"
}
},
"required": [
"row",
"date",
"description",
"amount",
"class"
],
"additionalProperties": false
}
},
"explanation": {
"anyOf": [
{
"type": "object",
"properties": {
"found": {
"type": "boolean"
},
"items": {
"type": "array",
"items": {
"type": "string"
}
},
"hints": {
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"found",
"items",
"hints"
],
"additionalProperties": false
},
{
"type": "null"
}
]
},
"warnings": {
"type": "array",
"items": {
"type": "string"
}
},
"downloads": {
"type": "object",
"properties": {
"xlsx": {
"type": "string"
},
"pdf": {
"type": "string"
}
},
"required": [
"xlsx",
"pdf"
],
"additionalProperties": false
},
"note": {
"type": "string"
}
},
"required": [
"status",
"mode",
"period_end",
"files",
"counts",
"reconciliation",
"bank_only_by_class",
"book_only_by_class",
"top_bank_only",
"top_book_only",
"explanation",
"warnings",
"downloads",
"note"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}🟡explain_reconciliation_difference(bank_file, books_file, period_end, date_window_days, check_clear_days, ...)
Use this when the user attaches the bank file and the books file, gives the bank statement ending balance and the book balance, and asks why the bank reconciliation does not balance: "why is my bank reconciliation off", "reconciliation difference", "find the difference between bank and books". Runs the same matching, computes adjusted bank vs adjusted book balance, and finds the smallest set of listed items (up to 4) whose amounts account for the difference, plus checks for a reversed sign, a transposition (difference divisible by 9) and a row with that same amount. Returns the same Excel and PDF downloads. Does not change any file and cannot find items that are missing from both files. Supports up to 20,000 rows per file; CSV and text tables have a 2,000,000-cell limit (including empty cells). Each call saves new Excel and PDF files on the plugin server for 1 hour (private download links), then deletes them.
输入模式
{
"type": "object",
"properties": {
"bank_file": {
"type": "object",
"properties": {
"download_url": {
"type": "string",
"description": "Temporary download link for the file, supplied by ChatGPT."
},
"file_id": {
"type": "string",
"description": "ChatGPT file id, e.g. file_abc123."
},
"mime_type": {
"description": "Media type if known, e.g. application/pdf.",
"type": "string"
},
"file_name": {
"description": "Original file name if known, e.g. statement.pdf.",
"type": "string"
}
},
"required": [
"download_url",
"file_id"
],
"description": "The bank side: the bank's CSV or Excel (.xlsx) transaction export, or a text PDF bank statement, e.g. bank-september.csv."
},
"books_file": {
"type": "object",
"properties": {
"download_url": {
"type": "string",
"description": "Temporary download link for the file, supplied by ChatGPT."
},
"file_id": {
"type": "string",
"description": "ChatGPT file id, e.g. file_abc123."
},
"mime_type": {
"description": "Media type if known, e.g. application/pdf.",
"type": "string"
},
"file_name": {
"description": "Original file name if known, e.g. statement.pdf.",
"type": "string"
}
},
"required": [
"download_url",
"file_id"
],
"description": "The book side: the cash/bank account register or general ledger export from accounting software or a spreadsheet (CSV or .xlsx), e.g. books-september.xlsx."
},
"period_end": {
"description": "Statement / period end date YYYY-MM-DD, e.g. 2026-09-30. Default: the statement end on a PDF, else the month end of the last book entry (capped by the bank file).",
"type": "string",
"maxLength": 10
},
"date_window_days": {
"description": "Days a bank posting may differ from the book date and still match the same amount, e.g. 5 (default).",
"type": "integer",
"minimum": 0,
"maximum": 31
},
"check_clear_days": {
"description": "Days a check may take to clear and still match by amount, e.g. 60 (default). Matches by check number allow the same span.",
"type": "integer",
"minimum": 1,
"maximum": 366
},
"max_group_size": {
"description": "Most rows combined when one deposit equals several book entries (or the reverse), e.g. 4 (default).",
"type": "integer",
"minimum": 2,
"maximum": 6
},
"books_sign": {
"description": "Sign of the books file amounts: auto (default) flips only when the amounts clearly match the bank with the opposite sign; as_written keeps them; flip reverses them. Example: auto.",
"type": "string",
"enum": [
"auto",
"as_written",
"flip"
]
},
"date_order": {
"description": "Order of numeric dates in both files: MDY (US, 09/02/2026) or DMY (02/09/2026). Detected per file when a day is above 12; US is assumed otherwise.",
"type": "string",
"enum": [
"MDY",
"DMY"
]
},
"bank_columns": {
"description": "Optional column names for the bank file when auto-detection picks the wrong column, e.g. {\"date\":\"Post Date\",\"amount\":\"Amount\"}.",
"type": "object",
"properties": {
"date": {
"description": "Header of the date column, e.g. Posting Date.",
"type": "string",
"maxLength": 60
},
"description": {
"description": "Header of the description/payee/memo column, e.g. Payee.",
"type": "string",
"maxLength": 60
},
"amount": {
"description": "Header of a single signed amount column, e.g. Amount.",
"type": "string",
"maxLength": 60
},
"debit": {
"description": "Header of the debit column, e.g. Debit (bank file: money out; books file: money in).",
"type": "string",
"maxLength": 60
},
"credit": {
"description": "Header of the credit column, e.g. Credit (bank file: money in; books file: money out).",
"type": "string",
"maxLength": 60
},
"check_no": {
"description": "Header of the check or reference number column, e.g. Num.",
"type": "string",
"maxLength": 60
},
"balance": {
"description": "Header of the running balance column, e.g. Balance.",
"type": "string",
"maxLength": 60
}
}
},
"books_columns": {
"description": "Optional column names for the books file, e.g. {\"date\":\"Date\",\"debit\":\"Debit\",\"credit\":\"Credit\",\"check_no\":\"Num\"}.",
"type": "object",
"properties": {
"date": {
"description": "Header of the date column, e.g. Posting Date.",
"type": "string",
"maxLength": 60
},
"description": {
"description": "Header of the description/payee/memo column, e.g. Payee.",
"type": "string",
"maxLength": 60
},
"amount": {
"description": "Header of a single signed amount column, e.g. Amount.",
"type": "string",
"maxLength": 60
},
"debit": {
"description": "Header of the debit column, e.g. Debit (bank file: money out; books file: money in).",
"type": "string",
"maxLength": 60
},
"credit": {
"description": "Header of the credit column, e.g. Credit (bank file: money in; books file: money out).",
"type": "string",
"maxLength": 60
},
"check_no": {
"description": "Header of the check or reference number column, e.g. Num.",
"type": "string",
"maxLength": 60
},
"balance": {
"description": "Header of the running balance column, e.g. Balance.",
"type": "string",
"maxLength": 60
}
}
},
"bank_ending_balance": {
"type": "number",
"minimum": -100000000000,
"maximum": 100000000000,
"description": "Ending balance on the bank statement at period end, in dollars, e.g. 48210.55."
},
"book_ending_balance": {
"type": "number",
"minimum": -100000000000,
"maximum": 100000000000,
"description": "Cash account balance in the books at period end, in dollars, e.g. 51022.10."
}
},
"required": [
"bank_file",
"books_file",
"bank_ending_balance",
"book_ending_balance"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}输出模式
{
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"PASS",
"DIFFERENCE",
"BALANCES_NEEDED"
],
"description": "PASS only when both ending balances are known and the difference is $0.00; BALANCES_NEEDED = activity explained, balances needed."
},
"mode": {
"type": "string",
"enum": [
"balances",
"partial",
"activity"
]
},
"period_end": {
"type": "string"
},
"files": {
"type": "object",
"properties": {
"bank": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"type": "string"
},
"rows": {
"type": "number"
}
},
"required": [
"name",
"type",
"rows"
],
"additionalProperties": false
},
"books": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"type": {
"type": "string"
},
"rows": {
"type": "number"
}
},
"required": [
"name",
"type",
"rows"
],
"additionalProperties": false
}
},
"required": [
"bank",
"books"
],
"additionalProperties": false
},
"counts": {
"type": "object",
"properties": {
"matched": {
"type": "number"
},
"matched_bank_rows": {
"type": "number"
},
"matched_book_rows": {
"type": "number"
},
"by_check_number": {
"type": "number"
},
"same_date": {
"type": "number"
},
"within_window": {
"type": "number"
},
"many_to_one": {
"type": "number"
},
"one_to_many": {
"type": "number"
},
"ambiguous": {
"type": "number"
},
"bank_only": {
"type": "number"
},
"book_only": {
"type": "number"
},
"typo_pairs": {
"type": "number"
}
},
"required": [
"matched",
"matched_bank_rows",
"matched_book_rows",
"by_check_number",
"same_date",
"within_window",
"many_to_one",
"one_to_many",
"ambiguous",
"bank_only",
"book_only",
"typo_pairs"
],
"additionalProperties": false
},
"reconciliation": {
"type": "object",
"properties": {
"bank_side": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string"
},
"amount": {
"type": "number"
}
},
"required": [
"label",
"amount"
],
"additionalProperties": false
}
},
"book_side": {
"type": "array",
"items": {
"type": "object",
"properties": {
"label": {
"type": "string"
},
"amount": {
"type": "number"
}
},
"required": [
"label",
"amount"
],
"additionalProperties": false
}
},
"adjusted_bank": {
"type": "number"
},
"adjusted_book": {
"type": "number"
},
"difference": {
"type": "number"
},
"balances_from": {
"type": "string"
}
},
"required": [
"bank_side",
"book_side",
"adjusted_bank",
"adjusted_book",
"difference",
"balances_from"
],
"additionalProperties": false
},
"bank_only_by_class": {
"type": "array",
"items": {
"type": "object",
"properties": {
"class": {
"type": "string"
},
"count": {
"type": "number"
},
"total": {
"type": "number"
}
},
"required": [
"class",
"count",
"total"
],
"additionalProperties": false
}
},
"book_only_by_class": {
"type": "array",
"items": {
"type": "object",
"properties": {
"class": {
"type": "string"
},
"count": {
"type": "number"
},
"total": {
"type": "number"
}
},
"required": [
"class",
"count",
"total"
],
"additionalProperties": false
}
},
"top_bank_only": {
"type": "array",
"items": {
"type": "object",
"properties": {
"row": {
"type": "number"
},
"date": {
"type": "string"
},
"description": {
"type": "string"
},
"amount": {
"type": "number"
},
"class": {
"type": "string"
}
},
"required": [
"row",
"date",
"description",
"amount",
"class"
],
"additionalProperties": false
}
},
"top_book_only": {
"type": "array",
"items": {
"type": "object",
"properties": {
"row": {
"type": "number"
},
"date": {
"type": "string"
},
"description": {
"type": "string"
},
"amount": {
"type": "number"
},
"class": {
"type": "string"
}
},
"required": [
"row",
"date",
"description",
"amount",
"class"
],
"additionalProperties": false
}
},
"explanation": {
"anyOf": [
{
"type": "object",
"properties": {
"found": {
"type": "boolean"
},
"items": {
"type": "array",
"items": {
"type": "string"
}
},
"hints": {
"type": "array",
"items": {
"type": "string"
}
}
},
"required": [
"found",
"items",
"hints"
],
"additionalProperties": false
},
{
"type": "null"
}
]
},
"warnings": {
"type": "array",
"items": {
"type": "string"
}
},
"downloads": {
"type": "object",
"properties": {
"xlsx": {
"type": "string"
},
"pdf": {
"type": "string"
}
},
"required": [
"xlsx",
"pdf"
],
"additionalProperties": false
},
"note": {
"type": "string"
}
},
"required": [
"status",
"mode",
"period_end",
"files",
"counts",
"reconciliation",
"bank_only_by_class",
"book_only_by_class",
"top_bank_only",
"top_book_only",
"explanation",
"warnings",
"downloads",
"note"
],
"$schema": "http://json-schema.org/draft-07/schema#",
"additionalProperties": false
}社区
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