flowchart TD

A[學員報名付款] -->|信用卡 / ATM / 超商代碼| B[ACCUPASS 代收款項]
B --> C[ACCUPASS 開立電子發票]
C --> D[活動舉辦完成]
D --> E[ACCUPASS 結算撥款]
E -->|扣除手續費 8~10% + 匯款費| F[撥入協會帳戶]

subgraph 協會內部金流
F --> G[下載報名與金流報表]
G --> H[對帳與財務紀錄]
H --> I[支付講師費與材料費]
I --> J[完成報銷與留存收據]
J --> K[提交財務報告 / 會議公告]
end

subgraph 講師費流程
I --> L[講師提交請款單與帳號]
L --> M[協會財務匯款講師費]
M --> N[留存收據與匯款紀錄]
end

subgraph 材料費流程
I --> O[講師或協會購買材料]
O --> P[提交發票 / 收據]
P --> Q[財務核銷與報銷]
Q --> R[成果照片與紀錄歸檔]
end

subgraph 學員端
A --> S[收到報名確認信 + 電子票券]
S --> T[參加工作坊]
end

style A fill:#fdf6e3,stroke:#555,stroke-width:1px
style B fill:#e0f7fa,stroke:#555,stroke-width:1px
style C fill:#e0f7fa,stroke:#555,stroke-width:1px
style D fill:#fff9c4,stroke:#555,stroke-width:1px
style E fill:#e0f7fa,stroke:#555,stroke-width:1px
style F fill:#c8e6c9,stroke:#555,stroke-width:1px
style G fill:#f0f4c3,stroke:#555,stroke-width:1px
style H fill:#f0f4c3,stroke:#555,stroke-width:1px
style I fill:#fff3e0,stroke:#555,stroke-width:1px
style J fill:#f0f4c3,stroke:#555,stroke-width:1px
style K fill:#f0f4c3,stroke:#555,stroke-width:1px
style L fill:#ffe0b2,stroke:#555,stroke-width:1px
style M fill:#ffe0b2,stroke:#555,stroke-width:1px
style N fill:#ffe0b2,stroke:#555,stroke-width:1px
style O fill:#e1bee7,stroke:#555,stroke-width:1px
style P fill:#e1bee7,stroke:#555,stroke-width:1px
style Q fill:#e1bee7,stroke:#555,stroke-width:1px
style R fill:#e1bee7,stroke:#555,stroke-width:1px
style S fill:#f8bbd0,stroke:#555,stroke-width:1px
style T fill:#f8bbd0,stroke:#555,stroke-width:1px

classDef title fill:#c5cae9,stroke:#3f51b5,stroke-width:2px;