The full name of "Super Online Banking" is the "Online Payment Interbank Clearing System". By building "one-point access, multipoint docking" system architecture, it realizes "one-stop" online cross-bank financial management. It is a standardized cross-bank online research and development network developed in 2009. Financial service products, officially launched on August 30, 2010. "Super Internet Banking" can not only use the current online banking services, but also query other bank accounts across banks, and even transfer money from other bank accounts to the current account across banks. According to this text, what is the role of "super online banking"? ['Inter-bank transfers and management of inter-bank accounts.', 'Unified identity verification and cross-bank account management.', 'Cross-bank fund transfer and cross-bank fund collection.', 'Unified direct platform and cross-bank fund transfer.']