CN112001795A

CN112001795A - Cross-border service declaration file verification method, device and equipment

Info

Publication number: CN112001795A
Application number: CN202010955289.8A
Authority: CN
Inventors: 陈辉; 黄磊
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-09-11
Filing date: 2020-09-11
Publication date: 2020-11-27
Anticipated expiration: 2040-09-11
Also published as: CN112001795B; CN115034899A

Abstract

The embodiment of the specification discloses a method, a device and equipment for verifying a declaration file of a cross-border service. The method comprises the following steps: acquiring order information of cross-border transaction in a preset processing period; gathering order information of cross-border transaction to obtain a first declaration file; sending the first declaration document to the financial institution; acquiring a second declaration file which is returned by the financial institution and sent to the monitoring institution; judging whether the second declaration file is consistent with the first declaration file; and if the cross-border transaction is consistent, confirming that the cross-border transaction declaration is successful.

Description

Cross-border service declaration file verification method, device and equipment

Technical Field

The application relates to the technical field of compliance supervision, in particular to a method, a device and equipment for verifying declaration files of cross-border services.

Background

With the rapid development of economic globalization and electronic commerce, purchasing foreign goods through an electronic shopping platform is becoming an integral part of people's daily life.

The cross-border e-commerce refers to a novel international trade mode which realizes online wholesale and retail by networking and electronizing traditional international trade by transaction parties in different countries or regions through the Internet and related information platforms thereof. The cross-border e-commerce realizes direct transaction among multi-country enterprises and between the enterprises and final consumers through an e-commerce transaction and service platform.

At present, cross-border payment is needed when foreign commodities are purchased through a cross-border e-commerce platform, in order to standardize cross-border payment services of a third-party payment mechanism and prevent the flow risk of cross-border funds of the third-party payment mechanism, the national regulatory department requires the third-party payment mechanism to complete cross-border transaction declaration in time.

Since the buyer and the seller of the cross-border transaction are transaction subjects with different relations, the payment of the cross-border transaction can involve the stock of foreign exchanges, and therefore, the compliance of the cross-border transaction is always a special attention of the supervision department.

Based on this, it is desirable to provide a more efficient cross-border service declaration file verification scheme.

Disclosure of Invention

The embodiment of the specification provides a cross-border service declaration file verification method, device and equipment, and aims to solve the problem that a declaration file in the existing cross-border service declaration method is wrong.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

the declaration file verification method for cross-border services provided by the embodiment of the specification is applied to a payment platform and comprises the following steps:

acquiring order information of cross-border transaction in a preset processing period;

summarizing the order information of the cross-border transaction to obtain a first declaration file; the first declaration file at least comprises a transaction total amount; the total transaction amount in the first declaration file is matched with the details in the cross-border transaction order information;

transmitting the first declaration document to a financial institution;

acquiring a second declaration file returned by the financial institution; the second declaration file is a declaration file sent by the financial institution to a supervision institution;

judging whether the second declaration file is consistent with the first declaration file;

and if the second declaration file is consistent with the first declaration file, confirming that the cross-border transaction declaration is successful.

An application file verification apparatus for cross-border services provided in an embodiment of the present specification includes:

the order information acquisition module is used for acquiring the order information of cross-border transaction in a preset processing period;

the order information summarizing module is used for summarizing the order information of the cross-border transaction to obtain a first declaration file; the first declaration file at least comprises a transaction total amount; the total transaction amount in the first declaration file is matched with the details in the cross-border transaction order information;

the first declaration file sending module is used for sending the first declaration file to a financial institution;

the second declaration file acquisition module is used for acquiring a second declaration file returned by the financial institution; the second declaration file is a declaration file sent by the financial institution to a supervision institution;

the first judgment module is used for judging whether the second declaration file is consistent with the first declaration file or not;

and the reporting success determining module is used for confirming that the cross-border transaction reporting is successful if the second reporting file is consistent with the first reporting file.

An application file verification device for cross-border services provided in an embodiment of the present specification includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

transmitting the first declaration document to a financial institution;

Embodiments of the present specification provide a computer-readable medium having stored thereon computer-readable instructions executable by a processor to implement a cross-border business declaration file verification method.

One embodiment of the present description achieves the following advantageous effects: obtaining order information of cross-border transaction in a preset processing period; gathering order information of cross-border transaction to obtain a first declaration file; sending the first declaration document to the financial institution; acquiring a second declaration file which is returned by the financial institution and sent to the monitoring institution; judging whether the second declaration file is consistent with the first declaration file; and if the cross-border transaction is consistent, confirming that the cross-border transaction declaration is successful. By the method, the accuracy of the declaration file declared to the monitoring mechanism in the cross-border transaction can be improved, the declaration file can be generated and reported in a timing mode, the declaration efficiency of the declaration file can be improved, and therefore the normal operation of the cross-border transaction is guaranteed.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

Fig. 1 is a schematic structural diagram of a declaration document checking method for cross-border services according to an embodiment of the present disclosure;

FIG. 2 is a flowchart of a cross-border service declaration file checking method according to an embodiment of the present disclosure;

fig. 3 is a schematic diagram of a declaration document checking apparatus for cross-border services according to an embodiment of the present disclosure;

fig. 4 is a schematic diagram of declaration document verification equipment for cross-border services according to an embodiment of the present disclosure.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the scope of protection of one or more embodiments of the present specification.

The application scene of the scheme can be cross-border electronic commerce, which is called cross-border e-commerce for short. The cross-border e-commerce is an international business activity which belongs to transaction subjects of different customs, achieves transaction and electronic payment settlement through an e-commerce platform, and delivers commodities through cross-border e-commerce logistics and remote storage, thereby completing the transaction. The novel international trade mode is characterized in that two transaction parties in different countries or regions can realize online wholesale and retail by networking and electronizing the traditional international trade through the Internet and related information platforms thereof. The cross-border e-commerce realizes direct transaction among multi-country enterprises and between the enterprises and final consumers through an e-commerce transaction and service platform.

For example, in the application scenario of cross-border transaction, the payment platform and the e-commerce platform need to receive supervision and management of the national foreign exchange administration when developing cross-border foreign exchange payment service, and report the declaration file through the bank in time according to the regulations.

The basic functions of the national foreign exchange administration include:

is responsible for international collection, statistics and monitoring of external debt and debt, issues related information according to regulations, and undertakes related work of cross-border fund flow monitoring.

The system is responsible for supervision and management work of foreign exchange markets in China; the responsibility of monitoring and managing the settlement and sales transaction service is assumed; and breeding and developing a foreign exchange market.

The system is responsible for checking the authenticity and the legality of the foreign exchange and payment of frequent projects in accordance with law supervision; the system is responsible for carrying out foreign exchange management of capital projects according to law and continuously perfecting management work according to the exchangeable process of RMB capital projects; and standardizing the management of foreign exchange accounts in and out of the country.

And the system is responsible for carrying out foreign exchange supervision and inspection according to law and carrying out penalty on the behavior of violating foreign exchange management.

The regulatory agency may be the national foreign exchange authority, depending on its basic role. The compliance of the cross-border transaction is checked by the national foreign exchange authority.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

fig. 1 is a schematic structural diagram of a declaration document checking method for cross-border services according to an embodiment of the present disclosure. As shown in fig. 1, the system comprises a cross-border e-commerce platform 110, a payment platform 120 and a financial institution 130. When a user purchases a commodity on the cross-border e-commerce platform 110, corresponding order information is generated in the cross-border e-commerce platform 110, and when payment is made, the user jumps to the payment platform 120 to make payment, so that payment information is generated. For cross-border transactions, funds involved in the transactions need to be reported to the national foreign exchange administration when entering and leaving, and the national foreign exchange administration needs to monitor the entering and leaving of the funds so as to prevent illegal people from carrying out illegal operations such as money laundering, tax evasion and the like through the cross-border transactions. Therefore, when the payment platform 120 and the cross-border e-commerce platform 110 develop cross-border foreign exchange payment services, they need to receive supervision and management of the national foreign exchange administration and timely report declaration documents through banks according to regulations. Therefore, after the payment platform 120 acquires the cross-border transaction order information within the preset processing period, the order information needs to be collated and summarized to generate a first declaration document, where the first declaration document may be a declaration document for declaration to the monitoring authority 140, but the payment platform 120 needs to transmit the first declaration document to the financial institution 130, and the financial institution 130 declares the first declaration document to the monitoring authority 140. However, in the transmission process of the declaration document, in order to avoid the erroneous declaration document sent by the financial institution 130 to the monitoring institution 140, the second declaration document sent by the financial institution 130 to the monitoring institution 140 needs to be returned to the payment platform 120. The payment platform 120 can check the second declaration document returned by the financial institution 130, and if the check determines that the second declaration document sent by the financial institution 130 to the monitoring institution 140 is identical to the first declaration document sent by the payment platform 120 to the financial institution 130, the success of the declaration document can be confirmed. If the two are not consistent, the reason needs to be found out, and a correct declaration file needs to be generated again and is declared to the supervision agency 140. After receiving the correct declaration file, the supervising entity 140 may check the declaration file and send the result of the check to the payment platform 120, or, of course, may send the result of the check to the financial institution 130, and if the check is passed, the financial institution 130 may execute the fund transfer operation in the cross-border transaction.

Next, a declaration document verification of a cross-border service provided in an embodiment of the specification will be specifically described with reference to the accompanying drawings:

fig. 2 is a flowchart of a method for verifying a declaration document of a cross-border service according to an embodiment of the present disclosure. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. The flow execution subject in this embodiment may be one or more servers installed on the payment platform, for example: may be a distributed server of the payment platform.

As shown in fig. 2, the process may include the following steps:

step 210: and acquiring the order information of cross-border transaction in a preset processing period.

In the practical application scenario, when the user purchases commodities of other countries through the cross-border e-commerce platform, cross-border payment needs to be carried out, in order to standardize the cross-border payment service of the payment platform, the mobile risk of cross-border funds of the payment platform is prevented, the supervision mechanism can require the payment platform to complete declaration of cross-border transactions in time, and the supervision mechanism can require an in-country bank to set a limit for the fund flow-out service of the payment mechanism, for example: the payment platform is required to complete only fixed-limit cross-border payment business every day. Therefore, for the declaration of the declaration document, the supervision institution can also require the payment platform to generate the declaration document at regular time and complete the regular declaration.

The preset processing period in step 210 may be defined by the payment platform according to the declaration time required by the regulatory/financial institution, for example: the reporting time specified by the supervision organization/financial organization is 8:00 a.m. every day, then the payment platform can set the operation of generating the reporting file to be executed 10 minutes in advance, namely, the cross-border transaction order information in the preset processing period starts to be summarized in 7:50 a.m. every day. The preset treatment period may be from 7:50 am on the previous day to 7:50 am on the next day, and the preset treatment period is 24 hours.

It should be noted that, in practical applications, because the amount of the transaction orders per day is different and the transaction amount is different, the preset processing period may be dynamically adjusted according to practical application scenarios, which is not specifically limited in this specification.

The order information of each cross-border transaction may include a transaction amount and basic information, and the basic information may include a transaction item, a transaction location, a transaction time, merchant information, buyer information, and the like. The transaction item in the basic information can be the name of a specific transaction item; the transaction location may be GPS location data or a specific address name; the merchant information may include one or more of merchant name, merchant ID, merchant address, and merchant reputation; the buyer information may include one or more of a buyer ID, a buyer nickname, and a buyer credit rating.

Step 220: summarizing the order information of the cross-border transaction to obtain a first declaration file; the first declaration file at least comprises a transaction total amount; and the total transaction amount in the first declaration file is matched with the details in the cross-border transaction order information.

The summary in this step can also be understood as settlement, and the payment platform can settle the transaction data in a preset processing period, so as to obtain a declaration document to be reported to the supervision institution. The total amount of the transactions in the generated declaration file should be matched with the details in the order information, and specifically, the sum of the total amount of the transactions corresponding to the details in the order should be equal to the total amount of the transactions in the declaration file.

It should be noted that when the payment platform collects order information, the order information in a preset processing period may be collected as the same batch, or collected in batches, and the specific implementation may be set according to the actual situation.

Step 230: and sending the first declaration file to a financial institution.

A Financial Institution (Financial institute) may refer to a Financial intermediary involved in the Financial industry, which is part of a Financial system, including banking, security, insurance, trust, fund, and the like.

Financial institutions may include banks, security companies, insurance companies, trust companies, fund management companies, and the like.

And the payment platform sends the collected reporting file needing to be reported to the supervision institution to the financial institution, and the financial institution reports the reporting file to the supervision institution.

Step 240: acquiring a second declaration file returned by the financial institution; the second declaration file is a declaration file sent by the financial institution to a supervision institution.

In practical application, in order to prevent the financial institution from modifying the declaration document, the financial institution may be required to return the declaration document to the monitoring institution and also return a copy of the declaration document to the payment platform, and the payment platform may check the declaration document returned by the financial institution.

The regulatory agency in the embodiments of the present specification may refer to a national foreign exchange administration, and is responsible for supervising and managing cross-border services.

Step 250: and judging whether the second declaration file is consistent with the first declaration file.

The purpose of the step is to ensure that the declaration file that the financial institution reports to the supervisory institution is consistent with the declaration file that the payment platform generates and sends to the financial institution and is not tampered.

Step 260: and if the second declaration file is consistent with the first declaration file, confirming that the cross-border transaction declaration is successful.

It should be noted that the method steps in fig. 2 may be executed by one server in the payment platform, or may be executed by multiple servers. For example: a server A in the payment platform is responsible for acquiring order information of cross-border transactions in a preset processing period, and a server B is responsible for summarizing the acquired order information and generating a first declaration file.

It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.

The method of fig. 2, by obtaining order information of cross-border transactions within a predetermined processing period; gathering order information of cross-border transaction to obtain a first declaration file; sending the first declaration document to the financial institution; acquiring a second declaration file which is returned by the financial institution and sent to the monitoring institution; judging whether the second declaration file is consistent with the first declaration file; and if the cross-border transaction is consistent, confirming that the cross-border transaction declaration is successful. By the method, the accuracy of the declaration file declared to the monitoring mechanism in the cross-border transaction can be improved, the declaration file can be generated and reported in a timing mode, the declaration efficiency of the declaration file can be improved, and therefore the normal operation of the cross-border transaction is guaranteed.

Based on the method of fig. 2, the present specification also provides some specific embodiments of the method, which are described below.

In the whole process of submitting a declaration document of cross-border transaction, in order to ensure the accuracy of the declaration document, the accuracy of the declaration document needs to be ensured from each link, for example: the accuracy of the declaration file is ensured from the generation link and the sending link of the declaration file. The following scheme can be adopted from the generation link of the declaration file to ensure the accuracy of the declaration file:

optionally, before sending the first declaration file to the financial institution, the method may further include:

judging whether the first declaration file is matched with the order information of the cross-border transaction;

and if the first declaration file is matched with the order information of the cross-border transaction, sending the first declaration file to the financial institution.

And if the first declaration file is not matched with the order information of the cross-border transaction, generating first prompt information, wherein the first prompt information is used for prompting a payment platform to check the order information of the cross-border transaction and/or prompting the payment platform to gather the order information of the cross-border transaction again.

In the actual aggregation process, there may be an aggregation error problem, and therefore, before the payment platform generates the first declaration document and does not send the generated first declaration document to the financial institution, it should be ensured that the generated declaration document is a correct declaration document. When the payment platform collects the order information of cross-border transactions in the preset processing period, the payment platform needs to collect the sum of money and collect the order information corresponding to each transaction. The generated first declaration document may include the total transaction amount and the basic information, so when the generated first declaration document is checked, the following check may be performed:

in a first mode

And checking whether the total transaction amount in the first declaration file is matched with the order detail. The method specifically comprises the following steps:

judging whether the sum of the summary amount in the first declaration document and the transaction amount corresponding to each order in the order information of the cross-border transaction is consistent or not;

and if the sum of the sum in the first declaration file is consistent with the sum of the transaction sum corresponding to each order in the order information of each cross-border transaction, sending the first declaration file to a financial institution.

Mode two

And checking whether the basic information in the first declaration file is matched with the basic information in the order detail. The method specifically comprises the following steps:

judging whether the basic information in the first declaration file is consistent with the basic information of each cross-border transaction in the order information;

and if the basic information in the first declaration file is consistent with the basic information of each cross-border transaction in the order information, sending the first declaration file to a financial institution.

Mode III

And checking whether the total transaction amount in the first declaration file is matched with the order detail, and checking whether the basic information in the first declaration file is matched with the basic information in the order detail. The method specifically comprises the following steps:

if the sum of the sum in the first declaration file is consistent with the sum of the transaction sum corresponding to each order in the order information of each cross-border transaction, judging whether the basic information in the first declaration file is consistent with the basic information of each cross-border transaction in the order information;

The above-described three-mode collation may be referred to as "prior collation", that is, collation before the generated first declaration document is transmitted to the financial institution, and in this case, for example: 100 cross-border transaction orders exist in the preset processing period, and whether the sum of the 100 transaction orders is consistent with the total transaction amount in the generated first declaration file needs to be checked.

In addition, the payment platform may also need to check a second declaration file that the financial institution has submitted to the monitoring institution after transmitting the generated first declaration file to the financial institution, and in this case, this may be referred to as "post-verification". For example: whether a second declaration file forwarded by the bank to the national foreign exchange administration is a first declaration file sent to the bank by the payment platform needs to be checked, and the first declaration file is prevented from being privately modified by the bank; after the first declaration document is reported to the bank, the first declaration document reported to the bank needs to be ensured to be consistent with a second declaration document reported to a national foreign exchange administration by the bank.

In the present embodiment, the "first" in the "first declaration file" and the "second" in the "second declaration file" are used only to distinguish between declaration files transmitted by different transmission parties. The first declaration file and the second declaration file may be the same file or different files.

Through the three modes, the declaration file generated by the payment platform is free of errors, and the accuracy of the declaration file is ensured from the generation source, so that the declaration file finally reported to the supervision institution is the same as the actually generated declaration file in the whole process of reporting the declaration file. I.e. to ensure that the generated declaration document is identical to and accurate with the document submitted to the regulatory agency.

Of course, it should be noted that the three ways described above can ensure that the generated declaration file has no error: the acquired cross-border transaction order information in the preset processing period should meet preset conditions, such as: the acquired order information should be information corresponding to cross-border trading, and the generation time of the cross-border trading order should be within a preset period. In addition, whether the acquired order information meets preset conditions can be judged according to some practical application scenarios, for example: the preset conditions are as follows: merchant information and buyer information cannot be null, transaction item compliance, etc. Therefore, before the first declaration file is generated, whether the acquired order information of the cross-border transaction in the preset processing period meets the preset condition can be determined.

Specifically, before the step of summarizing the order information of the cross-border transaction to obtain the first declaration document, the step of:

judging whether the cross-border trading order information in a preset processing period meets a preset condition or not;

and if the order information of the cross-border transaction in the preset processing period does not meet the preset condition, generating alarm information which cannot generate the first declaration file on time.

Judging whether the cross-border transaction order information in the preset processing period meets the preset condition, specifically judging in the following way:

in a first mode

Judging whether the sum of all transaction amounts in the preset processing period reaches the declared preset total amount, which specifically comprises the following steps:

judging whether the accumulated amount of each transaction in the order information of the cross-border transactions in the preset processing period reaches the declared preset total amount or not;

if the accumulated amount of each transaction in the cross-border transaction order information in the preset processing period reaches the declared preset total amount, summarizing the cross-border transaction order information to obtain a first declaration file.

Mode two

Whether the order information of each cross-border transaction in the preset processing period includes declaration elements or not may specifically include the following steps:

judging whether the basic information in the order information of each cross-border transaction in the preset processing period contains declaration elements of declaration documents; the claim elements may include transaction amount, transaction item, merchant ID, and buyer ID;

if the basic information in the order information of each cross-border transaction in the preset processing period comprises declaration elements of declaration files, summarizing the order information of the cross-border transactions to obtain a first declaration file.

Mode III

Judging whether the sum of all transaction amounts in the preset processing period reaches the declared preset total amount, wherein the order information of each cross-border transaction in the preset processing period comprises a declaration element, and the method specifically comprises the following steps:

if the accumulated amount of each transaction in the order information of the cross-border transactions in the preset processing period reaches the declared total amount, judging whether the basic information in the order information of each cross-border transaction in the preset processing period comprises the declaration elements of the declaration document;

The declaration element may also include currency, collection business object type, and the like. One or more of a transaction code, a transaction item, a transaction currency, a transaction time, merchant information, or buyer information may be included in the basic information in the order information of the cross-border transaction.

By the method, the data based on which the declaration file is generated can be guaranteed to be valid data, so that the accuracy of the generated declaration file is guaranteed.

Optionally, the total transaction amount in the first declaration document meets the preset total amount of declaration;

the collecting the order information of the cross-border transaction to obtain a first declaration document specifically may include:

accumulating the transaction amount of each cross-border transaction in the order information of the cross-border transactions to obtain the transaction total amount in the first declaration file;

and generating a first declaration file according to the total transaction amount and the basic information of each cross-border transaction in the order information and a preset file format of the first declaration file.

It should be noted that, in practical application, for each declaration file, a preset file format may be correspondingly provided, and the preset file format may include the number of rows, the number of columns, a position of declaration information, and the like included in the declaration file. The preset file format can be a preset file template, and the acquired declaration information is correspondingly filled in the template, so that a declaration file which needs to be reported to a supervision institution can be acquired. For example: the preset file format may include the following contents: number of lines of business, number of business batches, number of transaction lines, remittance bank, date of payment/collection, type of remittance business object (C: for public house; D: for private Chinese resident; F: for private Chinese non-resident), organization code (personal, nullable), pin number (institutional, nullable), pin type (institutional, nullable), payee name, currency, amount, settlement method (wire: DH; ticket: PH; letter: XH), remittance account number, payer name, payer country code, transaction epilogue, claimant, contact phone, date of declaration, etc.

Optionally, the accumulating the transaction amount of each cross-border transaction in the order information of the cross-border transactions to obtain the total transaction amount in the first declaration document may specifically include:

carrying out netting summary on the transaction amount of each cross border transaction in the order information of the cross border transaction to obtain a netting result;

and taking the rolling difference result as the total amount in the first declaration file declared to the supervision institution.

In the above steps, the difference may mean that the buyer and the seller mutually offset and subtract, and a certain party finally obtains a net debt right or a net debt of an amount of the other party by using legal systems such as cancellation, contract update and the like, for example, between market traders, there may be a plurality of trades with the same content and opposite directions, and when the trade is settled or ended, the debt right of each party can be cancelled within the equal amount, and only the balance is paid. For example: a owes to B10 ten thousand yuan, B owes to A4 ten thousand yuan, the net owed amount of A to B is 6 ten thousand yuan, no difference exists, B needs to pay 4 ten thousand yuan to A, and A needs to pay 10 ten thousand yuan to B. After rolling difference summarization is adopted, B does not need to pay the sum of money to A, and the sum of money to B is 6 ten thousand yuan.

The conditions of order refund, red packet deduction or coupon deduction and the like may exist in the transaction order, and at the moment, the transaction amount of each cross-border transaction in the order information of the cross-border transaction can be subjected to netting and summarization to obtain netting results; and the rolling difference result is used as the total amount in the first declaration file declared to the supervision institution.

By the method, the actual fund amount to be transferred can be clearly summarized, the workload of a bank is reduced, and the fund transfer efficiency of cross-border transaction is improved.

In the whole reporting process of the declaration document of the cross-border transaction, once the abnormality is checked, the alarm information or the prompt information of the response is generated, the plan of the response is recommended to find out the reason of the abnormality, and the correct declaration document is generated again and reported to the supervision institution after the abnormality is solved, which specifically includes the following conditions:

and in case one, a declaration file is not generated on time.

At this time, the acquired order information of the cross-border transaction in the preset processing period may be analyzed, and there may be no cross-border transaction in the preset processing period; or the cross-border transaction in the preset processing period does not meet the sum of the declared preset total amount; or, the order information of the cross-border transaction in the preset processing period lacks declaration elements for generating declaration documents, and the like.

And in the second case, the payment platform generates a first declaration file of an error. May include the steps of:

after the determining whether the first declaration file is matched with the order information of the cross-border transaction, the method may further include:

And in the third case, reporting an error reporting file to a supervision organization. The method specifically comprises the following steps:

after determining whether the second declaration file is matched with the first declaration file, the method may further include:

and if the second declaration file is not matched with the first declaration file, generating second prompt information, wherein the second prompt information is used for prompting a payment platform to check the first declaration file sent to the financial institution and/or instructing the financial institution to submit again according to the first declaration file.

At this time, if the bank modifies the declaration document of the payment platform, the bank should be subjected to tracing, and the bank is required to submit according to the declaration document sent by the payment platform.

By the three methods, the safety and the accuracy of the declaration file in the whole submission process can be ensured.

In practical applications, there may be a case where the declaration file returned by the bank to the payment platform for verification is not the same as the declaration file submitted by the bank to the national foreign exchange administration, which may result in the failure of the payment platform to verify whether the declaration file is correctly submitted to the national foreign exchange administration. Therefore, before the payment platform checks the declaration file returned by the bank, the payment platform needs to check the validity of the returned declaration file. The method specifically comprises the following steps:

before determining whether the second declaration file is consistent with the first declaration file, the method may further include:

auditing the validity of the second declaration file;

and if the second declaration file is valid, comparing whether the second declaration file is consistent with the first declaration file.

In the foregoing step, the checking the validity of the second declaration file may specifically include:

and determining whether the second declaration file contains the signature of the payment platform and the financial institution, and if so, determining that the second declaration file is consistent with the first declaration file generated by the payment platform.

By the method, the declaration file submitted by the bank can be determined to be consistent with the declaration file generated by the payment platform and sent to the bank, so that the declaration file is guaranteed not to be tampered. In addition, if the declaration file is tampered by the bank in other ways, so that the declaration file submitted to the monitoring organization is in a problem, the payment platform receives the second declaration file returned by the bank and has the signature of the bank, and in the follow-up responsibility confirmation, the payment platform provides the stored second declaration file with the signature of the bank, so that the problem declaration file is proved not to be the declaration file generated by the payment platform and sent to the bank.

Optionally, after confirming that the cross-border transaction declaration is successful, the method may further include:

receiving audit information returned by the supervision mechanism;

and when the audit information shows that the audit is passed, the cross-border transaction is completed.

In the above steps, the monitoring authority may determine whether there is a risky transaction in the cross-border transaction within the preset processing period based on the received second declaration document. For example, a transaction at risk may represent a transaction at risk of money laundering, a transaction at risk of tax evasion, and the like. If the audit is passed, the transaction may be completed. For example: the user purchases a commodity on the cross-border transaction platform, when paying money, the money is paid to the payment platform, the payment platform needs to settle the money to a merchant of the commodity, at the moment, the payment platform can pay the money to a bank, and the bank settles the money to the merchant to be remitted. The method comprises the steps that money is transferred to a bank by a transaction platform, then cross-border transfer is performed by the bank so as to be convenient for supervision, when cross-border transfer is performed, a declaration file needs to be submitted to a national foreign exchange administration, and after the approval of the national foreign exchange administration is passed, the bank can settle the money to a merchant.

Optionally, after acquiring the second declaration file returned by the financial institution, the method may further include:

and performing compliance risk assessment on each cross-border transaction according to the transaction amount and the basic information in the second declaration file to obtain an assessment result.

It should be noted that, in order to ensure that the declaration document is not tampered with, the declaration document can also be completed in combination with the blockchain network. For example: the users who reside in the blockchain network comprise a supervision agency, a payment platform, a financial institution, an e-commerce platform, a customs and the like. The blockchain network may be a single chain or a multi-chain, and the multi-chain may employ cross-chain for data exchange. The payment platform may be used to support cross-border transactions. The financial institution is a bank. The order information of the cross-border e-commerce platform can be stored in the block chain system, the declaration file generated by the payment platform according to the order information of the cross-border transaction in the preset processing period can be stored in the block chain system to prevent tampering, and the generated declaration file can be transmitted through the block chain network when the payment platform sends the declaration file to the financial institution to ensure the safety of the declaration file.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 3 is a schematic diagram of a declaration document checking apparatus for cross-border services according to an embodiment of the present disclosure. As shown in fig. 3, the apparatus may include:

the order information acquiring module 310 is configured to acquire order information of cross-border transactions in a preset processing period;

the order information summarizing module 320 is used for summarizing the order information of the cross-border transaction to obtain a first declaration file; the first declaration file at least comprises a transaction total amount; the total transaction amount in the first declaration file is matched with the details in the cross-border transaction order information;

a first declaration file sending module 330, configured to send the first declaration file to a financial institution;

a second declaration file obtaining module 340, configured to obtain a second declaration file returned by the financial institution; the second declaration file is a declaration file sent by the financial institution to a supervision institution;

a first determining module 350, configured to determine whether the second declaration file is consistent with the first declaration file;

a reporting success determining module 360, configured to confirm that the cross-border transaction reporting is successful if the second reporting file is consistent with the first reporting file.

The examples of this specification also provide some specific embodiments of the process based on the apparatus of fig. 3, which is described below.

Optionally, the apparatus may further include:

the second judgment module is used for judging whether the first declaration file is matched with the order information of the cross-border transaction;

and the declaration file sending module is used for sending the first declaration file to the financial institution if the first declaration file is matched with the order information of the cross-border transaction.

Optionally, the apparatus may further include:

and the first prompt information generation module is used for generating first prompt information if the first declaration file is not matched with the order information of the cross-border transaction, wherein the first prompt information is used for prompting a payment platform to check the order information of the cross-border transaction and/or prompting the payment platform to collect the order information of the cross-border transaction again.

Optionally, the second determining module may be specifically configured to:

the declaration file sending module may be specifically configured to:

the order information summarizing module 320 may specifically include:

the amount accumulation unit is used for accumulating the transaction amount of each cross-border transaction in the order information of the cross-border transactions to obtain the total transaction amount in the first declaration file;

and the first declaration file generating unit is used for generating a first declaration file according to the total transaction amount and the basic information of each cross-border transaction in the order information and according to a preset file format of the first declaration file.

Optionally, the sum accumulation unit may specifically include:

the amount summarizing subunit is used for performing netting summarization on the transaction amount of each cross-border transaction in the order information of the cross-border transactions to obtain netting results;

and the total amount determining subunit is used for taking the rolling difference result as the total amount in the first declaration file declared to the supervision institution.

Optionally, the payment platform generates the first declaration file at regular time, and sends the first declaration file to the financial institution at regular time.

Optionally, the second determining module may be specifically configured to:

the declaration file sending module may be specifically configured to:

Optionally, the apparatus may further include:

the third judgment module is used for judging whether the cross-border trading order information in the preset processing period meets the preset condition or not;

and the alarm information generation module is used for generating alarm information which cannot generate the first declaration file on time if the order information of the cross-border transaction in the preset processing period does not meet the preset condition.

Optionally, the third determining module may be specifically configured to:

optionally, the apparatus may be further configured to:

Optionally, the third determining module may be specifically configured to:

judging whether the basic information in the order information of each cross-border transaction in the preset processing period contains declaration elements of declaration documents; the declaration elements comprise transaction amount, transaction items, merchant ID and buyer ID;

optionally, the apparatus may be further configured to:

Optionally, the third determining module may be specifically configured to:

judging whether the accumulated amount of each transaction in the order information of the cross-border transactions in the preset processing period reaches the declared total amount, wherein the basic information in the order information comprises the declaration elements of the declaration document;

optionally, the apparatus may be further configured to:

if the accumulated amount of each transaction in the cross-border transaction order information in the preset processing period reaches the declared total amount, and the basic information in the order information comprises the declaration elements of the declaration document, summarizing the order information of the cross-border transaction to obtain a first declaration document.

Optionally, the second declaration file returned by the monetary institution includes the signature of the financial institution and the signature of the payment platform.

Optionally, the apparatus may further include:

the audit information receiving module is used for receiving audit information returned by the supervision mechanism;

and the cross-border transaction completion module is used for completing the cross-border transaction when the audit information shows that the audit is passed.

Optionally, the apparatus may further include:

and the risk evaluation module is used for performing compliance risk evaluation on each cross-border transaction according to the transaction amount and the basic information in the second declaration file to obtain an evaluation result.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 4 is a schematic diagram of declaration document verification equipment for cross-border services according to an embodiment of the present disclosure. As shown in fig. 4, the apparatus 400 may include:

at least one processor 410; and the number of the first and second groups,

a memory 430 communicatively coupled to the at least one processor; wherein,

the memory 430 stores instructions 420 executable by the at least one processor 410 to enable the at least one processor 410 to:

transmitting the first declaration document to a financial institution;

Based on the same idea, the embodiment of the present specification further provides a computer-readable medium corresponding to the above method. The computer readable medium has computer readable instructions stored thereon that are executable by a processor to implement the method of:

transmitting the first declaration document to a financial institution;

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the declaration document verification device of cross-border service shown in fig. 4, since it is substantially similar to the method embodiment, the description is relatively simple, and for relevant points, reference may be made to part of the description of the method embodiment.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abll (advanced desktop Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), and vhjlang (Hardware Description Language), which are currently used in most general. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, AtmelAT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information which can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A cross-border service declaration file verification method is applied to a payment platform and comprises the following steps:

transmitting the first declaration document to a financial institution;

2. The method of claim 1, prior to transmitting the first claim file to a financial institution, further comprising:

3. The method of claim 2, after determining whether the first declaration document matches the order information for the cross-border transaction, further comprising:

4. The method according to claim 2, wherein the determining whether the first declaration file matches the order information of the cross-border transaction includes:

the sending the first declaration file to a financial institution specifically includes:

5. The method of claim 1, wherein the total amount of the transaction in the first declaration document satisfies a preset total amount of the declaration;

the step of summarizing the order information of the cross-border transaction to obtain a first declaration document specifically comprises the following steps:

6. The method of claim 5, the base information comprising at least one or more of a transaction code, a transaction item, a transaction currency, a transaction time, merchant information, or customer information.

7. The method according to claim 5, wherein the accumulating transaction amounts of each cross-border transaction in the order information of the cross-border transactions to obtain the total transaction amount in the first declaration document specifically includes:

8. The method of claim 1, wherein the payment platform periodically generates the first claim file and periodically transmits the first claim file to the financial institution.

9. The method according to claim 5, wherein said determining whether the first declaration file matches the order information of the cross-border transaction includes:

10. The method of claim 1, wherein before aggregating the order information of the cross-border transaction to obtain the first declaration document, further comprising:

11. The method according to claim 10, wherein the determining whether the order information of the cross-border transaction in the preset processing period satisfies a preset condition specifically comprises:

after judging whether the order information of the cross-border transaction in the preset processing period meets the preset condition, the method further comprises the following steps:

12. The method according to claim 10, wherein the determining whether the order information of the cross-border transaction in the preset processing period satisfies a preset condition specifically comprises:

13. The method according to claim 10, wherein the determining whether the order information of the cross-border transaction in the preset processing period satisfies a preset condition specifically comprises:

14. The method of claim 1, wherein the second declaration document returned by the financial institution includes a signature of the financial institution and a signature of the payment platform.

15. The method of claim 1, after the confirming the cross-border transaction declaration is successful, further comprising:

receiving audit information returned by the supervision mechanism;

16. The method of claim 1, after obtaining a second declaration document returned by the financial institution, further comprising:

17. A cross-border service declaration file checking device comprises:

18. The apparatus of claim 17, the apparatus further comprising:

19. The apparatus of claim 18, the apparatus further comprising:

20. The apparatus of claim 18, wherein the second determining module is specifically configured to:

the declaration file sending module is specifically configured to:

21. The apparatus of claim 17, wherein the total amount of the transaction in the first declaration document satisfies a preset total amount of the declaration;

the order information summarizing module specifically comprises:

22. The apparatus according to claim 21, wherein the amount accumulation unit specifically comprises:

23. The apparatus of claim 17, the payment platform periodically generating the first claim file and periodically transmitting the first claim file to the financial institution.

24. The apparatus of claim 21, wherein the second determining module is specifically configured to:

the declaration file sending module is specifically configured to:

25. The apparatus of claim 17, the apparatus further comprising:

26. The apparatus of claim 25, wherein the third determining module is specifically configured to:

the apparatus is further configured to:

27. The apparatus of claim 25, wherein the third determining module is specifically configured to:

the apparatus is further configured to:

28. The apparatus of claim 25, wherein the third determining module is specifically configured to:

the apparatus is further configured to:

29. The apparatus of claim 17, wherein the second declaration document returned by the financial institution includes a signature of the financial institution and a signature of the payment platform.

30. The apparatus of claim 17, the apparatus further comprising:

31. The apparatus of claim 17, the apparatus further comprising:

32. A cross-border business declaration file verification apparatus, comprising:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein,

transmitting the first declaration document to a financial institution;

33. A computer readable medium having stored thereon computer readable instructions executable by a processor to implement the method of claim 1 to 16 for cross-border service declaration document verification.