A cross-border e-commerce declaration result verification and early warning method and device

Abstract

The present invention provides a cross-border e-commerce declaration result verification and early warning method and device, which belongs to big data. The method includes: using the cross-border e-commerce declaration data to make a regulatory declaration to the upstream system, and determining the declaration result return file; determining the bank verification result according to the declaration result return file and the cross-border e-commerce declaration data; determining the third-party payment institution verification result according to the declaration return file; determining the cross-border e-commerce declaration result early warning information according to the bank verification result and the third-party payment institution verification result. The present invention verifies through the automatic verification mechanism established between the bank and the third-party payment institution system, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed.

Description

Technical Field

[0001] The present invention relates to the technical field of computer data processing, and in particular to a method and device for checking and warning of cross-border e-commerce declaration results. Background Art

[0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. No description herein is admitted to be prior art by inclusion in this section.

[0003] In the cross-border e-commerce business where third-party payment institutions cooperate with banks, the cooperative bank is responsible for making cross-border e-commerce regulatory declarations such as registration of personal foreign exchange settlement and sales quotas or national collection declarations for payment institutions.

[0004] In existing cross-border e-commerce businesses, the verification mechanisms between third-party payment institutions and cooperative banks mostly only involve the field of financial transactions, and there are very few verification mechanisms involving regulatory reporting, resulting in a lack of verification mechanisms for regulatory reporting. Due to problems with the cooperative bank system or transaction data provided by third-party payment institutions that do not meet requirements, abnormal situations such as missed reporting, incorrect reporting data, and untimely reporting may occur. In addition, even if there is a verification in the field of regulatory reporting, it is done manually offline.

[0005] Therefore, how to provide a new solution that can solve the above technical problems is a technical problem that needs to be solved urgently in this field. Summary of the invention

[0006] The embodiment of the present invention provides a cross-border e-commerce declaration result verification and early warning method. The present invention performs verification through an automatic verification mechanism established between the systems of a bank and a third-party payment institution, so that the timeliness and accuracy of regulatory declarations are effectively guaranteed, including:

[0007] Use cross-border e-commerce declaration data to submit regulatory declarations to the upstream system and determine the return file of the declaration results;

[0008] Determine the bank verification results based on the return documents of the declaration results and the cross-border e-commerce declaration data;

[0009] Determine the verification result of the third-party payment institution based on the return application documents;

[0010] Based on the bank verification results and the third-party payment institution verification results, the cross-border e-commerce declaration result warning information is determined.

[0011] The embodiment of the present invention also provides a cross-border e-commerce declaration result verification and early warning device, comprising:

[0012] The declaration result return file determination module is used to use the cross-border e-commerce declaration data to make regulatory declarations to the upstream system and determine the declaration result return file;

[0013] The bank verification result determination module is used to determine the bank verification result based on the declaration result return file and the cross-border e-commerce declaration data;

[0014] The third-party payment institution verification result determination module is used to determine the third-party payment institution verification result based on the declaration return file;

[0015] The cross-border e-commerce declaration result warning information determination module is used to determine the cross-border e-commerce declaration result warning information based on the bank verification results and the third-party payment institution verification results.

[0016] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned cross-border e-commerce declaration result verification and early warning method when executing the computer program.

[0017] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program for executing the above-mentioned cross-border e-commerce declaration result verification and early warning method.

[0018] The embodiment of the present invention provides a method and device for checking and warning the results of cross-border e-commerce declarations, including: first, using the cross-border e-commerce declaration data to make a regulatory declaration to the upstream system, and determining the declaration result return file; then, according to the declaration result return file and the cross-border e-commerce declaration data, determining the bank verification result; then, according to the declaration return file, determining the third-party payment institution verification result; finally, according to the bank verification result and the third-party payment institution verification result, determining the cross-border e-commerce declaration result warning information. The present invention verifies through the automatic verification mechanism established between the bank and the third-party payment institution system, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed; in response to the high requirements for the timeliness, accuracy and completeness of the declaration of cross-border e-commerce transactions, the present invention provides an effective automatic verification and warning mechanism for cross-border e-commerce declaration results, which automatically verifies the regulatory declaration to ensure that the abnormalities in the cross-border e-commerce declaration results can be discovered in time, remedied and corrected in time, and the impact of the problem is avoided. It is fully automatic and requires no human intervention. It can detect declaration anomalies in a timely manner and issue warning information on cross-border e-commerce declaration results to facilitate timely remediation. According to the declaration data processing rules, the declaration results are checked from multiple angles. Different declaration anomaly scenarios are clearly detailed to facilitate rapid and accurate location of the causes of declaration anomalies. Double checks are performed from within the bank and from third-party payment institutions to ensure the reliability and accuracy of the verification results. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0020] Figure 1 A schematic diagram of a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention.

[0021] Figure 2 The present invention is a schematic diagram of a process for determining bank verification results of a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention.

[0022] Figure 3 A schematic diagram of a process for determining a third-party payment institution's verification result in a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention.

[0023] Figure 4 The present invention is a schematic diagram of a process for determining cross-border e-commerce declaration result warning information of a cross-border e-commerce declaration result verification and warning method according to an embodiment of the present invention.

[0024] Figure 5 The present invention is a flowchart of a method for checking and warning cross-border e-commerce declaration results according to an embodiment of the present invention.

[0025] Figure 6 A schematic diagram of a computer device for running a cross-border e-commerce declaration result verification and early warning method implemented by the present invention.

[0026] Figure 7 The present invention is a schematic diagram of a cross-border e-commerce declaration result verification and early warning device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0028] The present invention belongs to big data. Figure 1 FIG. 1 is a schematic diagram of a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention. Figure 1 As shown, the embodiment of the invention provides a cross-border e-commerce declaration result verification and early warning method. The invention verifies through an automatic verification mechanism established between the systems of a bank and a third-party payment institution, so that the timeliness and accuracy of regulatory declarations are effectively guaranteed, including:

[0029] Step 101: Use the cross-border e-commerce declaration data to submit regulatory declarations to the upstream system and determine the return file of the declaration results;

[0030] Step 102: Determine the bank verification result based on the declaration result return file and the cross-border e-commerce declaration data;

[0031] Step 103: Determine the verification result of the third-party payment institution based on the application return document;

[0032] Step 104: Determine the warning information of the cross-border e-commerce declaration result based on the verification results of the bank and the third-party payment institution.

[0033] A cross-border e-commerce declaration result verification and early warning method provided by an embodiment of the present invention includes: first, using the cross-border e-commerce declaration data to make a regulatory declaration to the upstream system, and determining the declaration result return file; then, according to the declaration result return file and the cross-border e-commerce declaration data, determining the bank verification result; then, according to the declaration return file, determining the third-party payment institution verification result; finally, according to the bank verification result and the third-party payment institution verification result, determining the cross-border e-commerce declaration result early warning information. The present invention verifies through an automatic verification mechanism established between the bank and the third-party payment institution system, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed; in response to the high requirements for the timeliness, accuracy and completeness of the regulatory declaration of cross-border e-commerce transactions, the present invention provides an effective automatic verification and early warning mechanism for cross-border e-commerce declaration results, automatically verifies the regulatory declaration, and ensures that the abnormal cross-border e-commerce declaration results can be discovered in time, remedied and corrected in time, to avoid further expansion of the impact of the problem. It is fully automatic and requires no human intervention. It can detect declaration anomalies in a timely manner and issue warning information on cross-border e-commerce declaration results to facilitate timely remediation. According to the declaration data processing rules, the declaration results are checked from multiple angles. Different declaration anomaly scenarios are clearly detailed to facilitate rapid and accurate location of the causes of declaration anomalies. Double checks are performed from within the bank and from third-party payment institutions to ensure the reliability and accuracy of the verification results.

[0034] The professional terms involved in the embodiments of the present invention are defined as follows:

[0035] Cross-border e-commerce: Cross-border e-commerce refers to an international business activity in which trading entities in different customs territories reach transactions, make payments and settle accounts through e-commerce platforms, and deliver goods and complete transactions through cross-border logistics.

[0036] Registration of personal foreign exchange settlement and sales quota: According to the relevant regulations of relevant departments, when consumers purchase goods or services on cross-border e-commerce platforms, they can purchase foreign exchange and make external payments through third-party payment institutions, which will not be included in the personal annual foreign exchange settlement and sales quota. Banks cooperating with third-party payment institutions should submit transaction details provided by third-party payment institutions in the personal foreign exchange business system in accordance with the reporting rules.

[0037] International balance of payments declaration: According to the relevant regulations of relevant departments, non-bank institutions and individuals that have foreign-related income or foreign-related payments through domestic banks should declare international balance of payments in a timely, accurate and complete manner. In cross-border e-commerce business, cooperative banks need to declare regulatory information on cross-border e-commerce transactions based on the transaction details provided by third-party payment institutions and in accordance with the declaration rules.

[0038] Since cross-border e-commerce transaction regulatory reporting is sensitive and has high requirements for timeliness, accuracy, and completeness of reporting, the present invention implements an effective and reliable regulatory reporting automatic verification and alarm mechanism to ensure that reporting anomalies can be discovered and remedied in a timely manner to avoid further expansion of the impact of the problem. When implementing a cross-border e-commerce reporting result verification and early warning method provided by an embodiment of the present invention, in one embodiment, it may include:

[0039] Use cross-border e-commerce declaration data to submit regulatory declarations to the upstream system and determine the return file of the declaration results;

[0040] Determine the bank verification results based on the return documents of the declaration results and the cross-border e-commerce declaration data;

[0041] Determine the verification result of the third-party payment institution based on the return application documents;

[0042] Based on the bank verification results and the third-party payment institution verification results, the cross-border e-commerce declaration result warning information is determined.

[0043] The present invention verifies through an automatic verification mechanism established between the systems of the bank and the third-party payment institution, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed; in response to the high requirements for the timeliness, accuracy and completeness of the cross-border e-commerce transaction regulatory declaration, the present invention provides an effective cross-border e-commerce declaration result automatic verification and early warning mechanism, which automatically verifies the regulatory declaration to ensure that the abnormal cross-border e-commerce declaration results can be discovered in time, remedied and corrected in time, and avoid the further expansion of the impact of the problem. It is fully automatic and does not require human participation, and can timely discover the declaration abnormality and issue the cross-border e-commerce declaration result early warning information to facilitate timely remediation; according to the declaration data processing rules, the declaration results are verified from multiple angles; different declaration abnormality scenarios are clearly detailed to facilitate the rapid and accurate positioning of the cause of the declaration abnormality; double verification is performed from the bank and the third-party payment institution to ensure the reliability and accuracy of the verification results.

[0044] When implementing a cross-border e-commerce declaration result verification and early warning method provided by an embodiment of the present invention, in one embodiment, using the cross-border e-commerce declaration data to make a regulatory declaration to an upstream system and determining a declaration result return file includes:

[0045] According to the docking relationship between the bank and the upstream system, the cross-border e-commerce declaration data generated by the third-party payment platform and sent to the bank during cross-border e-commerce transactions is sent to the upstream system for regulatory declaration, and the declaration result return file is determined.

[0046] In the embodiments, the upstream system generally refers to the regulatory reporting system of the relevant departments responsible for foreign exchange management, which is used to receive cross-border e-commerce declaration data; the third-party payment structure cooperates with the bank, and the third-party payment institution generates cross-border e-commerce declaration data when conducting cross-border e-commerce transactions and sends it to the cooperating bank. The bank uses the docking relationship with the upstream system to send the cross-border e-commerce declaration data generated by the third-party payment platform and sent to the bank when conducting cross-border e-commerce transactions to the upstream system for regulatory reporting; the upstream system receives and processes the cross-border e-commerce declaration data according to regulatory requirements and generates a declaration result return file; the declaration result return file is sent to the bank and the third-party payment institution at the same time.

[0047] Figure 2 FIG. 1 is a schematic diagram of a process of determining a bank verification result of a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention. Figure 2 As shown, when a cross-border e-commerce declaration result verification and early warning method provided by an embodiment of the present invention is specifically implemented, in one embodiment, the bank verification result is determined according to the declaration result return file and the cross-border e-commerce declaration data, including:

[0048] Step 201: According to the connection relationship between the bank and the upstream system, monitor the file delivery interface of the upstream system;

[0049] Step 202: when the file sending interface of the upstream system sends a return file of the declaration result, the return file of the declaration result is obtained and sent to the bank;

[0050] Step 203: parse the declaration result return file, determine the declaration result return data and store it in the database;

[0051] Step 204: Check the declaration result return data with the cross-border e-commerce declaration data in the database to determine the bank verification result.

[0052] In the embodiment, in order to improve the accuracy of the cross-border e-commerce declaration data, it is necessary to check it on the bank side. First,

[0053] The bank monitors the file delivery interface of the upstream system according to the pre-established docking relationship between the bank and the upstream system; then, when the file delivery interface of the upstream system is monitored to send the declaration result return file, the bank obtains the declaration result return file to the bank through the docking relationship between the bank and the upstream system; then, the declaration result return file is parsed, the declaration result return data is determined and stored in the database; finally, the declaration result return data is checked with the cross-border e-commerce declaration data in the database to determine the bank verification result. The verification process mainly checks the declaration return data with the bank's original transaction details contained in the cross-border e-commerce declaration data to obtain the bank verification result on the bank side; further, the embodiment of the present invention also updates the declaration result return data, the cross-border e-commerce declaration data, and the bank verification result in the database; further, within the bank, the bank verification result can also be displayed on the internal management end page for business personnel to review. The bank verification result includes: normal information and incorrectly declared information.

[0054] When checking on the bank side, the reporting results are checked from multiple angles according to the reporting data processing rules, and different reporting abnormality scenarios are clearly specified to facilitate the rapid and accurate location of the causes of reporting abnormalities. First, the cross-border transaction regulatory reporting is checked on the bank side, which allows the bank to self-check the reporting data and find out the incorrect reporting information from the bank's original transaction details, so as to quickly and accurately locate the causes of reporting abnormalities.

[0055] Figure 3 FIG. 1 is a schematic diagram of a process of determining a third-party payment institution's verification result in a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention. Figure 3 As shown, when a cross-border e-commerce declaration result verification and early warning method provided by an embodiment of the present invention is specifically implemented, in one embodiment, the verification result of the third-party payment institution is determined according to the declaration return file, including:

[0056] Step 301: receiving the declaration return file sent by the upstream system to the third-party payment institution according to the connection channel between the third-party payment institution and the upstream system;

[0057] Step 302: parse the declaration result return file to determine the declaration result return data;

[0058] Step 303: The original transaction data of the cross-border e-commerce transaction conducted by the third-party payment platform is compared with the returned data of the declared result to determine the verification result of the third-party payment institution.

[0059] In the embodiment, when the upstream system sends the declaration return file to the bank, it will also send it to the corresponding third-party payment institution cooperating with the bank. First, according to the pre-established connection channel between the third-party payment institution and the upstream system, the declaration return file sent by the upstream system is received to the third-party payment institution; then the declaration result return file is parsed to determine the declaration result return data; finally, the original transaction data of the cross-border e-commerce transaction conducted by the third-party payment platform is compared with the declaration result return data to determine the verification result of the third-party payment institution.

[0060] The above-mentioned verification process mainly verifies the declaration result return data with the original transaction data of the cross-border e-commerce transaction conducted by the third-party payment platform, and obtains the verification result of the third-party payment institution on the third-party payment institution side; further, the embodiment of the present invention also displays the declaration result return data, the original transaction data of the cross-border e-commerce transaction conducted by the third-party payment platform, and the verification result of the third-party payment institution on the management page of the third-party payment institution for business personnel to review. The verification result of the third-party payment institution includes: normal information and incorrectly declared information.

[0061] When checking on the third-party payment institution side, the declaration results are checked from multiple angles according to the declaration data processing rules, and different declaration abnormality scenarios are clearly specified to facilitate rapid and accurate location of the causes of the declaration abnormalities. When checking cross-border transaction supervision declarations on the third-party payment institution side, the declaration data can be self-checked from within the third-party payment institution, and incorrect declaration information can be found from the original transaction data of cross-border e-commerce transactions on the third-party payment platform, allowing for rapid and accurate location of the causes of the declaration abnormalities.

[0062] Figure 4 FIG. 1 is a schematic diagram of a process for determining cross-border e-commerce declaration result warning information of a cross-border e-commerce declaration result verification and warning method according to an embodiment of the present invention, such as Figure 4 As shown, when a cross-border e-commerce declaration result verification and warning method provided by an embodiment of the present invention is specifically implemented, in one embodiment, the cross-border e-commerce declaration result warning information includes: first-category cross-border e-commerce declaration result warning information and second-category cross-border e-commerce declaration result warning information;

[0063] According to the verification results of the bank and the third-party payment institution, the warning information of the cross-border e-commerce declaration results is determined, including:

[0064] Step 401: Send the verification result of the third-party payment institution to the bank and store it in the database;

[0065] Step 402: Scan the bank verification results or the third-party payment institution verification results in the bank database. When there is incorrect declaration information in the bank verification results or the third-party payment institution verification results, locate the cross-border e-commerce declaration data corresponding to the incorrect declaration information, and generate the first type of cross-border e-commerce declaration result warning information;

[0066] Step 403: When there is no erroneous information in the bank verification result, the bank verification result is compared with the third-party payment institution verification result for consistency. If the consistency comparison fails, the corresponding bank verification result and the third-party payment institution verification result are marked, and the second-category cross-border e-commerce declaration result warning information is generated.

[0067] In an embodiment, the cross-border e-commerce declaration result warning information includes: a first type of cross-border e-commerce declaration result warning information, wherein the first type of cross-border e-commerce declaration result warning information belongs to incorrect declaration information obtained by self-verification, which is a low-level error and can be processed internally by a bank or a third-party payment structure; a second type of cross-border e-commerce declaration result warning information, wherein the second type of cross-border e-commerce declaration result warning information belongs to inter-system declaration errors obtained by joint verification between banks and third-party payment institutions, which is a high-level error and needs to be jointly processed between systems by banks and third-party payment institutions.

[0068] First, the verification result of the third-party payment institution is sent to the bank and stored in the database;

[0069] Scan the bank verification results or third-party payment institution verification results in the bank database. When there is erroneous declaration information in the bank verification results or third-party payment institution verification results, locate the cross-border e-commerce declaration data corresponding to the erroneous declaration information, generate the first category of cross-border e-commerce declaration result warning information, report it to the bank or third-party payment institution for warning, and the bank or third-party payment institution will handle it internally;

[0070] In the embodiment, on the basis of obtaining the bank verification results on the bank side and the third-party payment institution verification results on the third-party payment institution side, a secondary verification mechanism is added, including: when there is no erroneous information in the bank verification results, the bank verification results are compared with the third-party payment institution verification results for consistency. If the consistency comparison fails, the corresponding bank verification results and third-party payment institution verification results are marked, and the second type of cross-border e-commerce declaration result warning information is generated, which is reported to the bank and the third-party payment institution at the same time, and the bank and the third-party payment institution conduct joint processing between the systems.

[0071] The present invention verifies through an automatic verification mechanism established between the systems of the bank and the third-party payment institution, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed; in response to the high requirements for the timeliness, accuracy and completeness of the cross-border e-commerce transaction regulatory declaration, the present invention provides an effective cross-border e-commerce declaration result automatic verification and early warning mechanism, which automatically verifies the regulatory declaration to ensure that the abnormal cross-border e-commerce declaration results can be discovered in time, remedied and corrected in time, and avoid the further expansion of the impact of the problem. It is fully automatic and does not require human participation, and can timely discover the declaration abnormality and issue the cross-border e-commerce declaration result early warning information to facilitate timely remediation; according to the declaration data processing rules, the declaration results are verified from multiple angles; different declaration abnormality scenarios are clearly detailed to facilitate the rapid and accurate positioning of the cause of the declaration abnormality; double verification is performed from the bank and the third-party payment institution to ensure the reliability and accuracy of the verification results.

[0072] Figure 5 FIG. 1 is a processing flow chart of a cross-border e-commerce declaration result verification and early warning method according to an embodiment of the present invention. Figure 5 As shown, the following briefly describes a cross-border e-commerce declaration result verification and early warning method provided by an embodiment of the present invention in combination with a specific scenario:

[0073] Because regulatory declarations are sensitive and have high requirements for timeliness, accuracy and completeness, this system has established an effective and reliable automatic verification mechanism for regulatory declarations to ensure that declaration anomalies can be discovered and remedied in a timely manner to avoid further expansion of the impact of the problem.

[0074] The cooperative bank is responsible for directly connecting with the upstream system (hereinafter referred to as the upstream system) of the foreign exchange administration department. After completing the regulatory declaration, the declaration results will be sent to this system and the third-party payment institution at the same time. This system will check the declaration results according to the transaction details provided by the payment institution and issue an alarm for incorrect verification results. The payment institution will check on its own and notify the verification results to this system. Double verification makes the verification results more accurate and reliable.

[0075] By establishing an effective automatic verification mechanism to verify regulatory declarations, we can effectively ensure that regulatory declaration anomalies are discovered and corrected in a timely manner.

[0076] When implementing, technicians need to write Java code to parse the declaration results sent by the upstream system, check the declaration results according to the regulatory declaration data processing rules, and also consider different declaration exception scenarios to clarify and refine the verification results. They need to be familiar with the regulatory declaration data processing rules and declaration exception scenarios, and understand the relevant conventions of their own systems.

[0077] The embodiment of the present invention also provides a modular processing flow of a cross-border e-commerce declaration result verification and early warning method, including:

[0078] 1. When the program is started, the declaration result receiving monitor is used to obtain the declaration result return file from the upstream system;

[0079] 1) When this product is started, the declaration result receiving system starts to monitor the declaration result return file of the upstream system (the system that directly declares to the outside);

[0080] 2) The upstream system sends the declaration result return file to this product;

[0081] 3) After the application result receiving monitor receives the return file, obtain the return file;

[0082] 2. Process and analyze the declaration result return file of the upstream system;

[0083] 1) Application result processing: Analyze the application result file;

[0084] 2) The parsed declaration results are stored in the database;

[0085] 3. Verify the declaration results: Verify the declaration results return file with the original transaction details, update the verification results and display them;

[0086] 1) Check the data to be reported with the reported return results;

[0087] 2) Update the database with the verification results of the data to be reported and the reported return results;

[0088] 3) The bank's internal verification results are displayed on the bank's internal management page for business personnel to view;

[0089] 4. Receive the verification results from the payment institution and display them on the management end;

[0090] 1) The upstream system will send the declaration return file to the third-party payment institution at the same time, and the payment institution will check the data to be declared with the declaration return result;

[0091] 2) The payment institution sends the verification results to this product through the interface;

[0092] 3) This product records the verification results of the payment institution;

[0093] 4) Display the verification results of the payment institution on the internal management page for business personnel to view;

[0094] 5. Monitoring and early warning: Responsible for monitoring the verification results, when the bank's internal verification results are wrong or inconsistent with the verification results of the payment institution, an alarm will be issued, providing double guarantee;

[0095] 1) Monitor the bank's internal verification results recorded in the early warning scanning database. If there is any error in the verification, send an early warning to the relevant personnel through the bank letter;

[0096] 2) Monitor the consistency between the bank's internal verification results and the payment institution's verification results recorded in the early warning scanning database. If there is any inconsistency, send an early warning to relevant personnel through bank letters.

[0097] The embodiment of the present invention adds a monitoring and early warning mechanism. When there is an error in the verification, the relevant person in charge can be reminded in time to correct the problem in time. A mechanism for receiving and comparing the verification results of the payment institution is added. The double verification ensures the accuracy of the verification results. According to the declaration data processing rules, the declaration results are verified from multiple angles, and different abnormal declaration scenarios are clearly specified. The bank and the payment institution perform double verification, which ensures the reliability and accuracy of the verification results. It is fully automatic and does not require human participation. It can timely discover the abnormal declaration and facilitate timely remediation. Different abnormal declaration scenarios are clearly specified, which facilitates the rapid and accurate positioning of the cause of the abnormal declaration. The double verification ensures the reliability of the verification results.

[0098] Figure 6 A schematic diagram of a computer device for running a cross-border e-commerce declaration result verification and early warning method implemented by the present invention, such as Figure 6 As shown, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned cross-border e-commerce declaration result verification and early warning method when executing the computer program.

[0099] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program for executing the above-mentioned cross-border e-commerce declaration result verification and early warning method.

[0100] The embodiment of the present invention also provides a cross-border e-commerce declaration result verification and early warning device, as described in the following embodiment. Since the principle of solving the problem by the device is similar to that of a cross-border e-commerce declaration result verification and early warning method, the implementation of the device can refer to the implementation of a cross-border e-commerce declaration result verification and early warning method, and the repeated parts will not be repeated.

[0101] Figure 7 Schematic diagram of a cross-border e-commerce declaration result verification and early warning device according to an embodiment of the present invention. Figure 6 As shown, the embodiment of the present invention also provides a cross-border e-commerce declaration result verification and early warning device, which may include:

[0102] The declaration result return file determination module 701 is used to use the cross-border e-commerce declaration data to make a regulatory declaration to the upstream system and determine the declaration result return file;

[0103] The bank verification result determination module 702 is used to determine the bank verification result according to the declaration result return file and the cross-border e-commerce declaration data;

[0104] The third-party payment institution verification result determination module 703 is used to determine the third-party payment institution verification result according to the declaration return file;

[0105] The cross-border e-commerce declaration result warning information determination module 704 is used to determine the cross-border e-commerce declaration result warning information according to the bank verification results and the third-party payment institution verification results.

[0106] When implementing a cross-border e-commerce declaration result verification and early warning device provided by an embodiment of the present invention, in one embodiment, the declaration result return file determination module is specifically used to:

[0107] According to the docking relationship between the bank and the upstream system, the cross-border e-commerce declaration data generated by the third-party payment platform and sent to the bank during cross-border e-commerce transactions is sent to the upstream system for regulatory declaration, and the declaration result return file is determined.

[0108] When implementing a cross-border e-commerce declaration result verification and early warning device provided by an embodiment of the present invention, in one embodiment, a bank verification result determination module is specifically used to:

[0109] According to the connection relationship between the bank and the upstream system, monitor the file delivery interface of the upstream system;

[0110] When the upstream system's file delivery interface sends a return file of the declaration result, the return file of the declaration result is obtained and sent to the bank;

[0111] Analyze the return file of the declaration result, determine the return data of the declaration result and store it in the database;

[0112] The returned data of the declaration results will be compared with the cross-border e-commerce declaration data in the database to determine the bank's verification results.

[0113] When implementing a cross-border e-commerce declaration result verification and early warning device provided by an embodiment of the present invention, in one embodiment, a third-party payment institution verification result determination module is specifically used to:

[0114] According to the connection channel between the third-party payment institution and the upstream system, receive the declaration return file issued by the upstream system to the third-party payment institution;

[0115] Analyze the return file of the declaration result to determine the return data of the declaration result;

[0116] The original transaction data of the third-party payment platform for cross-border e-commerce transactions shall be compared with the returned data of the declared results to determine the verification results of the third-party payment institution.

[0117] When a cross-border e-commerce declaration result checking and warning device provided by an embodiment of the present invention is specifically implemented, in one embodiment, the cross-border e-commerce declaration result warning information includes: first-category cross-border e-commerce declaration result warning information and second-category cross-border e-commerce declaration result warning information;

[0118] The cross-border e-commerce declaration result warning information determination module is specifically used for:

[0119] Send the verification results of the third-party payment institution to the bank and store them in the database;

[0120] Scan the bank verification results or third-party payment institution verification results in the bank database. When there is erroneous declaration information in the bank verification results or third-party payment institution verification results, locate the cross-border e-commerce declaration data corresponding to the erroneous declaration information and generate the first type of cross-border e-commerce declaration result warning information;

[0121] When there is no erroneous information in the bank verification result, the bank verification result will be compared with the third-party payment institution verification result for consistency. If the consistency comparison fails, the corresponding bank verification result and the third-party payment institution verification result will be marked, and the second-category cross-border e-commerce declaration result warning information will be generated.

[0122] In summary, a method and device for verifying and warning the declaration results of a cross-border e-commerce provided by an embodiment of the present invention includes: first, using the cross-border e-commerce declaration data to make a regulatory declaration to the upstream system, and determining the declaration result return file; then, according to the declaration result return file and the cross-border e-commerce declaration data, determining the bank verification result; then, according to the declaration return file, determining the third-party payment institution verification result; finally, according to the bank verification result and the third-party payment institution verification result, determining the cross-border e-commerce declaration result warning information. The present invention verifies through an automatic verification mechanism established between the systems of the bank and the third-party payment institution, so that the timeliness and accuracy of the regulatory declaration are effectively guaranteed; in response to the high requirements for the timeliness, accuracy and completeness of the regulatory declaration of cross-border e-commerce transactions, the present invention provides an effective automatic verification and warning mechanism for cross-border e-commerce declaration results, which automatically verifies the regulatory declaration to ensure that the abnormalities in the cross-border e-commerce declaration results can be discovered, remedied and corrected in a timely manner, and the impact of the problem can be avoided from further expansion. It is fully automatic and requires no human intervention. It can detect declaration anomalies in a timely manner and issue warning information on cross-border e-commerce declaration results to facilitate timely remediation. According to the declaration data processing rules, the declaration results are checked from multiple angles. Different declaration anomaly scenarios are clearly detailed to facilitate rapid and accurate location of the causes of declaration anomalies. Double checks are performed from within the bank and from third-party payment institutions to ensure the reliability and accuracy of the verification results.

[0123] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0124] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0125] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0126] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0127] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A cross-border e-commerce declaration result verification and early warning method, characterized in that: include: Use cross-border e-commerce declaration data to submit regulatory declarations to the upstream system and determine the return file of the declaration results; Determine the bank verification results based on the return documents of the declaration results and the cross-border e-commerce declaration data; Determine the verification result of the third-party payment institution based on the return application documents; Determine the warning information of cross-border e-commerce declaration results based on the verification results of the bank and the third-party payment institution; Determine the bank verification results based on the return documents of the declaration results and the cross-border e-commerce declaration data, including: According to the connection relationship between the bank and the upstream system, monitor the file delivery interface of the upstream system; When the upstream system's file delivery interface sends a return file of the declaration result, the return file of the declaration result is obtained and sent to the bank; Analyze the return file of the declaration result, determine the return data of the declaration result and store it in the database; Verify the returned declaration data with the cross-border e-commerce declaration data in the database to confirm the bank verification results; Determine the verification results of the third-party payment institution based on the return application documents, including: According to the connection channel between the third-party payment institution and the upstream system, receive the declaration return file issued by the upstream system to the third-party payment institution; Analyze the return file of the declaration result to determine the return data of the declaration result; Verify the original transaction data of cross-border e-commerce transactions conducted by the third-party payment platform with the returned data of the declared results to determine the verification results of the third-party payment institution; Cross-border e-commerce declaration result warning information, including: first-category cross-border e-commerce declaration result warning information and second-category cross-border e-commerce declaration result warning information; According to the verification results of the bank and the third-party payment institution, the warning information of the cross-border e-commerce declaration results is determined, including: Send the verification results of the third-party payment institution to the bank and store them in the database; Scan the bank verification results or third-party payment institution verification results in the bank database. When there is erroneous declaration information in the bank verification results or third-party payment institution verification results, locate the cross-border e-commerce declaration data corresponding to the erroneous declaration information and generate the first type of cross-border e-commerce declaration result warning information; When there is no erroneous information in the bank verification result, the bank verification result will be compared with the third-party payment institution verification result for consistency. If the consistency comparison fails, the corresponding bank verification result and the third-party payment institution verification result will be marked, and the second-category cross-border e-commerce declaration result warning information will be generated.

2. The method according to claim 1, characterized in that Use cross-border e-commerce declaration data to submit regulatory declarations to upstream systems and determine the return documents for declaration results, including: According to the docking relationship between the bank and the upstream system, the cross-border e-commerce declaration data generated by the third-party payment platform and sent to the bank during cross-border e-commerce transactions is sent to the upstream system for regulatory declaration, and the declaration result return file is determined.

3. A cross-border e-commerce declaration result verification and early warning device, characterized in that: include: The declaration result return file determination module is used to use the cross-border e-commerce declaration data to make regulatory declarations to the upstream system and determine the declaration result return file; The bank verification result determination module is used to determine the bank verification result based on the declaration result return file and the cross-border e-commerce declaration data; The third-party payment institution verification result determination module is used to determine the third-party payment institution verification result based on the declaration return file; A cross-border e-commerce declaration result warning information determination module is used to determine the cross-border e-commerce declaration result warning information based on the bank verification results and the third-party payment institution verification results; The bank verification result determination module is specifically used for: According to the connection relationship between the bank and the upstream system, monitor the file delivery interface of the upstream system; When the upstream system's file delivery interface sends a return file of the declaration result, the return file of the declaration result is obtained and sent to the bank; Analyze the return file of the declaration result, determine the return data of the declaration result and store it in the database; Verify the returned declaration data with the cross-border e-commerce declaration data in the database to confirm the bank verification results; The third-party payment institution verification result determination module is specifically used for: According to the connection channel between the third-party payment institution and the upstream system, receive the declaration return file issued by the upstream system to the third-party payment institution; Analyze the return file of the declaration result to determine the return data of the declaration result; Verify the original transaction data of cross-border e-commerce transactions conducted by the third-party payment platform with the returned data of the declared results to determine the verification results of the third-party payment institution; Cross-border e-commerce declaration result warning information, including: first-category cross-border e-commerce declaration result warning information and second-category cross-border e-commerce declaration result warning information; The cross-border e-commerce declaration result warning information determination module is specifically used for: Send the verification results of the third-party payment institution to the bank and store them in the database; Scan the bank verification results or third-party payment institution verification results in the bank database. When there is erroneous declaration information in the bank verification results or third-party payment institution verification results, locate the cross-border e-commerce declaration data corresponding to the erroneous declaration information and generate the first type of cross-border e-commerce declaration result warning information; When there is no erroneous information in the bank verification result, the bank verification result will be compared with the third-party payment institution verification result for consistency. If the consistency comparison fails, the corresponding bank verification result and the third-party payment institution verification result will be marked, and the second-category cross-border e-commerce declaration result warning information will be generated.

4. The device according to claim 3, characterized in that The module for determining the return file of the declaration result is specifically used for: According to the docking relationship between the bank and the upstream system, the cross-border e-commerce declaration data generated by the third-party payment platform and sent to the bank during cross-border e-commerce transactions is sent to the upstream system for regulatory declaration, and the declaration result return file is determined.

5. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 2 is implemented.

6. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 2 is implemented.

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