CN111311356A - Verification system and method for authenticity and uniqueness of cross-border and cross-market trade background - Google Patents

Abstract

The invention belongs to the field of cross-border electronic commerce. A verification system and method for the authenticity and uniqueness of a cross-border trade background, the verification system includes a user management module, a data verification module and a data verification module; the user management module, the data verification module Interconnect with the data auditing module. The present invention is applied to the border-civilian mutual market trade, which makes the settlement data interactive and unified, and solves the problems of mixed paper documents and electronic data and insufficient trade standardization. Bank settlement relies on electronic processing, and the settlement process is effectively verified and supervised.

Description

A verification system for the authenticity and uniqueness of the background of cross-border mutual market trade and method

technical field

The invention belongs to the field of cross-border e-commerce, and in particular relates to a system and method for verifying the authenticity and uniqueness of the background of cross-border mutual market trade.

Background technique

According to the requirements of relevant laws and regulations, border trade individuals handling foreign exchange receipts and payments in the name of trade should have a real and legal border trade transaction background, consistent with the import and export of goods and their amounts.

In the existing border trade, there are obvious settlement shortcomings and improvement needs. First of all, market behavior is not standardized. Due to the multiple transmission channels of trade settlement information, online or paper forms, the lack of unified technical measures to control, the effect of post-supervision inspection is not good, and it is easy to repeatedly generate and use settlement information, documents or data transmission. Asynchrony leads to the chaos of "one order with multiple settlements" and "one order with random settlements"; secondly, the settlement process is prone to violations. Because the bank's manual operation takes a long time, it is easy to cause the reverse process operation of first settlement and then verification. The uniqueness and full identification ability of the bank is insufficient, and the regulatory agency lacks favorable monitoring tools for business compliance; finally, business efficiency needs to be improved urgently, the front-end border trade transaction process is complicated, the manual input of information by banks is time-consuming and error-prone, and the number of paper documents is manually reviewed. Bulky, difficult to manage and access.

In the face of the huge volume of border trade business, in view of the shortcomings of the border trade market and the need for settlement compliance and efficiency, border trade settlement needs a paperless verification, uniqueness control and utilization of the background of trade authenticity. A system and method for data compliance monitoring.

SUMMARY OF THE INVENTION

The purpose of the present invention is to overcome the shortcomings of the above-mentioned technical problems, and to provide a system and method for verifying the authenticity and uniqueness of the background of cross-border mutual market trade, which can improve the efficiency of mutual market settlement and promote the standardization of border trade settlement business.

In order to achieve the above object, the present invention adopts the following technical solutions:

A verification system for the authenticity and uniqueness of the background of cross-border mutual market trade, the verification system includes a user management module, a data verification module and a data verification module; the user management module, the data verification module and the data verification module Audit modules are interconnected; where:

The user management module is used to store the login information and authority information of legal users of the system, and to determine whether any user who attempts to log in to the system is a legal user;

The data verification module is used to perform pre-verification on the entered data and allow the user to query the verification result;

The data review module is used to review whether the received application information meets the business requirements, and output the review result.

Further, the data verification module includes a declaration information pre-verification sub-module and a declaration information query sub-module;

The declaration information pre-validation sub-module is used for the system to automatically perform data verification on the received trade declaration data;

The declaration information query sub-module is used for the system user to query the verification result of the trade declaration data.

Further, the data auditing module includes a business query sub-module, a business processing sub-module and an information maintenance sub-module;

The business query sub-module is used for querying all transaction detail data in the system, which is convenient for bank verification personnel to find historical data and check business conditions;

The business processing sub-module is used for bank verification personnel to supplement the application information, approve settlement applications, and submit work order processing applications to the system administrator;

The information maintenance sub-module is used for the system administrator to maintain the settlement bank information, overseas receiving bank information, and border exchange point area information.

Further, the user management module includes an account management module and a personal center module;

The account management module is used by the system administrator to perform operations such as querying, canceling, disabling, enabling, resetting account passwords, and assigning account authority to the account of the system user;

The personal center module is used for system users to query their personal information and modify account passwords.

Further, the data auditing module also includes a risk monitoring sub-module,

The risk monitoring sub-module provides a variety of monitoring service functions such as log information viewing, early warning business statistics, no customs declaration business statistics, repeated settlement blacklist early warning and statistics; the risk monitoring sub-module includes a log information viewing unit, early warning business statistics unit, non-customs declaration business statistics unit, duplicate settlement blacklist warning and statistics unit; of which:

The log information viewing unit is used for the system administrator to view the daily operations of the system users, and the responsible person can be found if there is a problem;

The early warning business statistics unit is used for system users to check whether there is a large amount of excess payment time or beyond the declaration time in all the declaration records, and to carry out early warning processing, which is convenient for supervision and review;

The non-customs declaration business statistics unit is used for the system user to visually check whether there is a declaration situation that the customs has no corresponding customs declaration information in all the declaration records, and can perform a re-verification operation;

The repeated settlement blacklist early warning and statistics unit is used for the system user to check whether there is repeated push of declaration data in all declaration records, and to carry out early warning processing to facilitate regulatory review.

Further, the data auditing module further includes a report analysis sub-module, the report analysis sub-module collects statistics and generates business reports from multiple perspectives according to the business processing situation, and the report analysis sub-module includes a business volume query unit for the past seven days, Statistical report table unit, capital confirmation statistics table unit, business volume statistics table unit; of which:

The business volume query unit in the past seven days is used for the user to check the business declaration situation and business trend in the past seven days;

The statistical report table unit, from the dimension of the border trade service center, collects statistics on the declaration data of all settlement banks in a certain period of time, including the total number of transactions that passed the verification, the total amount that passed the verification, the total number of transactions that passed the review, and the total number of transactions that passed the review. The total amount, the total number of business pushes, and the total business push amount;

The capital confirmation statistics table unit, from the dimension of port area, collects statistics on the declaration data of all settlement banks in a certain period of time;

The business volume statistics table unit counts the number and amount of declared data in a certain time period from the dimensions of the border trade service center and the bank.

The present invention also provides a method for verifying the authenticity and uniqueness of the background of cross-border mutual market trade, the method comprising the following steps:

Step 1: The border residents go to the shops corresponding to the border residents to make a declaration to the customs after purchasing the goods, and fill in the transaction details to declare at the border residents mutual market trade service center. to the calibration system;

Step 2: The verification system determines whether each service center repeatedly pushes the declaration information of the same-day and same-border residents according to the declaration date and the declared identity information. The declaration data pushed by different border trade service centers to different banks or the same bank will be included in the duplicate settlement blacklist, and the system administrator will report it to the data verification module to review the users who perform duplicate settlement and the border trade service center. ;

Step 3: The verification system will pre-check the validity of the received declaration data. If the validity pre-verification fails, the status of the declaration data will be recorded as "verification failed"; if the validity pre-verification has passed , then verify the validity of the declared data, and if the declared data validity verification fails, record the status of the declared data as "verification failed";

Step 4: After the self-verification of Step 3 is passed, push the declaration data to the data verification module to verify the authenticity of the trade background, and the data verification module returns the unique identifier of the declaration data;

Step 5: If there is no corresponding customs declaration information from the customs, the verification system will issue an early warning, and the bank will verify the authenticity of the trade background with the Border Residents Trade Service Center through offline channels to complete the settlement and payment;

Step 6: For the business data exceeding the payment time, the verification system will list the business data in the early warning business statistics unit;

Step 7: Bianmin Mutual Market Trade Service Center invokes the interface of the verification system to obtain the verification result of the declaration data, and the user submits the settlement application at the counter of the settlement bank according to the result of the declaration information; Query the corresponding settlement document in the business processing sub-module, process the settlement document, and the processing result is "pass" or "fail";

Step 8: If the processing result is "failed", the settlement statement is in a failed state, and the Border Residents Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again;

Step 9: If the processing result is "passed", the data auditing module needs to perform the auditing operation again. The auditing operation is "passed" or "not passed". If it is "passed", the settlement document is in a successful state, and the transaction can be carried out. the final foreign exchange payment operation; if it is "failed", the settlement document is in a failed state, and the Border Residents Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again.

Compared with the prior art, the present invention has the following beneficial effects:

1. The present invention is used for the verification system and method for the authenticity and uniqueness of the background of cross-border mutual market trade. The user authentication function is provided through the user management module, and the entered data is pre-verified through the data verification module, and is checked by the data The module checks whether the received declaration information meets the business requirements. Aiming at the multiple transmission channels and complex forms of trade settlement information, the invention collects the declaration data of the market port service center through a unified standard interface, replaces paper documents with electronic vouchers with real trade background, and connects the customs inspection data obtained by the PBC at the supervision end. Manual entry is replaced by data docking and direct transmission. It is a comprehensive information collection and processing service platform by optimizing the data processing level and system functional structure, realizing the visualization, supervision and paperless settlement of the whole settlement process.

2. The present invention uses digital technology to match and verify the declared data, provides online trade background authenticity verification for ports and banks, locks the uniqueness of data use through verification records, reduces the risk of banks' cross-border RMB settlement business, and significantly Improve the efficiency of mutual settlement.

3. Develop a big data analysis and monitoring platform for supervision. Through big data matching, report analysis, and visual monitoring and early warning, it can control business risks such as repeated settlement and excess settlement, fully enhance the digital monitoring capabilities of regulatory agencies, and promote the standardization of border trade settlement business. Sunshine development.

Description of drawings

1 is a schematic structural diagram of a verification system for the authenticity and uniqueness of a cross-border mutual market trade background of the present invention;

FIG. 2 is a schematic business flow diagram of a method for verifying the authenticity and uniqueness of a cross-border mutual market trade background according to the present invention.

Detailed ways

The present invention will be further described below with reference to the accompanying drawings and embodiments. It should be noted that the specific embodiments of the present invention are only for the purpose of describing the technical solutions more clearly, and cannot be used as a limitation of the protection scope of the present invention.

Please refer to FIG. 1, a verification system for the authenticity and uniqueness of the background of cross-border mutual market trade, the verification system includes a user management module, a data verification module and a data audit module; the user management module, data verification module The verification module and the data audit module are connected to each other; among them:

The user management module is used to store the login information and authority information of legal users of the system, and to determine whether any user who attempts to log in to the system is a legal user;

The data verification module is used to perform pre-verification on the entered data and allow the user to query the verification result;

The data review module is used to review whether the received application information meets the business requirements, and output the review result.

Wherein, the data verification module includes a declaration information pre-verification sub-module and a declaration information query sub-module;

The declaration information pre-validation sub-module is used for the system to automatically perform data verification on the received trade declaration data;

The declaration information query sub-module is used for the system user to query the verification result of the trade declaration data.

The data auditing module includes a business query submodule, a business processing submodule, an information maintenance submodule, a risk monitoring submodule and a report analysis submodule;

The business query sub-module is used for querying all transaction detail data in the system, which is convenient for bank verification personnel to find historical data and check business conditions;

The business processing sub-module is used for bank verification personnel to supplement the application information, approve settlement applications, and submit work order processing applications to the system administrator;

The information maintenance sub-module is used for the system administrator to maintain settlement bank information, overseas receiving bank information, and border exchange point area information;

The risk monitoring sub-module provides a variety of monitoring service functions such as log information viewing, early warning business statistics, no customs declaration business statistics, repeated settlement blacklist early warning and statistics; the risk monitoring sub-module includes a log information viewing unit, early warning business statistics unit, non-customs declaration business statistics unit, duplicate settlement blacklist warning and statistics unit; of which:

The log information viewing unit is used for the system administrator to view the daily operations of the system users, and the responsible person can be found if there is a problem;

The early warning business statistics unit is used for system users to check whether there is a large amount of excess payment time or beyond the declaration time in all the declaration records, and to carry out early warning processing, which is convenient for supervision and review;

The non-customs declaration business statistics unit is used for the system user to visually check whether there is a declaration situation that the customs has no corresponding customs declaration information in all the declaration records, and can perform a re-verification operation;

The duplicate settlement blacklist early warning and statistics unit is used for system users to check whether there is any duplication of declaration data in all declaration records, and to carry out pre-warning processing in advance to facilitate regulatory review;

The report analysis sub-module collects statistics and generates business reports from multiple perspectives according to business processing conditions, so that the system user can control the overall business development trend. The report analysis submodule includes a business volume query unit in the past seven days, a statistical report table unit, a fund confirmation statistics table unit, and a business volume statistics table unit; wherein:

The business volume query unit in the past seven days is used for the user to check the business declaration situation and business trend in the past seven days;

The statistical report table unit, from the dimension of the border trade service center, collects statistics on the declaration data of all settlement banks in a certain period of time, including the total number of transactions that passed the verification, the total amount that passed the verification, the total number of transactions that passed the review, and the total number of transactions that passed the review. The total amount, the total number of business pushes, and the total business push amount;

The capital confirmation statistics table unit, from the dimension of port area, collects statistics on the declaration data of all settlement banks in a certain period of time;

The business volume statistics table unit counts the number and amount of declared data in a certain time period from the dimensions of the border trade service center and the bank;

The data auditing module further includes an announcement module, which is convenient for the user to know the announcement information released by the system in time.

The user management module includes an account management module and a personal center module;

The account management module is used by the system administrator to perform operations such as querying, canceling, disabling, enabling, resetting account passwords, and assigning account authority to the account of the system user;

The personal center module is used for system users to query their personal information and modify account passwords.

Please refer to FIG. 2 , which is a schematic business flow diagram of a method for verifying the authenticity and uniqueness of a cross-border mutual trade background according to the present invention. It should be noted that the external users generally contacted with this verification system include the Border Residents' Trade Service Center, the People's Bank of China/Customs Supervision Department. Border Resident Mutual Market Trade Service Center refers to an institution that provides transaction data reporting functions for border port mutual market trade points. Border Residents go to the service center to fill in and declare transaction information and complete the transaction initiation operation. The PBOC/customs supervision department is the data verification party of this verification system.

System roles include border residents, bank verification personnel, and system administrators. Frontier residents refer to local people who are identified by relevant departments as Chinese citizens who live in border areas and hold valid documents that can prove their identity as frontier residents and enjoy the preferential policy of border residents’ mutual market worth RMB 8,000 per person per day. The role of the transaction originator. Bank verifiers refer to the staff of commercial banks that hold cross-border foreign exchange payment licenses and are qualified to carry out cross-border payment business. In the settlement of trade transactions in the border residents' mutual market, the transaction details data declared by border residents for foreign exchange payment are reviewed and confirmed on the platform. Declare the authenticity of the trade background of the information, and then carry out the relevant settlement operations. The system administrator refers to the person who performs the daily operation and maintenance of the system.

The present invention is a verification method for the authenticity and uniqueness of the background of cross-border mutual market trade, the method comprises the following steps:

Step 1: According to offline needs, the border residents go to the shops corresponding to the border residents to buy goods, fill in the "Customs Declaration Form for Inbound Items in the Border Residents Market" and declare to the customs, and fill in the transaction details at the border residents' mutual market trade service center for declaration. The Mutual Trade Service Center generates a settlement slip for the requested declaration data, and pushes it to the verification system;

Step 2: The verification system determines whether each service center repeatedly pushes the declaration information of the same-day and same-border residents according to the declaration date and the declared identity information. The declaration data pushed by different border trade service centers to different banks or the same bank is included in the duplicate settlement blacklist, and the system administrator reports it to the bank/customs supervision department. The people's bank/customs supervision department uses the data verification module to conduct Review the users who have made repeated settlements and the Border Residents Mutual Market Trade Service Center;

Step 3: The verification system pre-verifies the validity of the received declaration data. If the validity pre-verification fails, the status of the declaration data is recorded as "verification failed"; the pre-verification contents include:

(1) For the same payment account number, the name of the paying bank or the name of the payer must be the same;

(2) For the same receiving account number, the name of the receiving bank or the name of the payee must be the same;

If the validity pre-check is passed, the validity of the declared data will be checked. If the validity check of the declared data is not passed, the status of the declared data will be marked as "check failed"; the validity check of the declared data mainly includes the following: Several items:

(1) Determine whether the declared amount is less than 8,000 yuan as stipulated by law;

(2) Whether the declaration information is repeated in the list;

(3) Whether the paying bank exists;

Step 4: After the self-check in Step 3 is passed, the result is sent to the bank/customs supervision department, and the declaration data is pushed to the data verification module to verify the authenticity of the trade background, and the data verification module returns the unique identifier of the declared data. ; The validation of declaration data mainly includes the following items:

(1) Whether the customs has corresponding customs declaration information;

(2) Whether it is consistent with the customs declaration information;

(3) Whether the payment time is exceeded;

Step 5: When the customs data update is delayed, the bank will verify with the People's Bank of China/customs supervision department, and the People's Bank of China will supervise and confirm the activation of the "Emergency Plan for the Management of the Border Trade Settlement Business at Ports of Each City". For customs without corresponding customs declaration information, the system will mark "trade authenticity" as "high", "medium" and "low" risk according to the proportion of "no corresponding customs declaration information" in the settlement application. For early warning, the bank will verify the authenticity of the trade background with the Border Residents Mutual Market Trade Service Center through offline channels to complete the settlement and payment. The platform accumulates the business data of "no corresponding customs declaration information" in this business and forms a "no customs declaration business statistics table", which is regularly pushed to the People's Bank of China/customs supervision department for verification. For business data that is pushed for verification multiple times within the time specified by the PBOC/customs supervision department, and still prompts that there is no corresponding customs declaration information, it will be exported from the platform and submitted to the PBOC for supervision and review.

Step 6: According to the supervision guidance of the PBOC/customs supervision department, the validity period of business data is 5 working days for settlement, and the overdue business data will not be used. For the data that exceeds the payment time, the verification system will mark the business data exceeding 5 settlement working days with a special color and display the overdue proportion, and include the business data in the "warning business statistics table" in the early warning business statistical unit , to facilitate regulatory review;

Step 7: According to the unique identifier of the declaration data returned in Step 4, call the result query interface of the data verification module to obtain the verification result of the declaration information. After reporting the information results, submit the settlement application to the settlement bank counter; after the settlement bank receives the settlement request, the bank manager first logs in to the verification system, inquires the corresponding settlement document in the business processing sub-module, processes the settlement document, and processes the result. as "pass" or "fail";

Step 8: If the processing result is "failed", the settlement statement is in a failed state, and the Border Residents Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again;

Step 9: If the processing result is "passed", the bank reviewer will log in to the system and perform the auditing operation again through the data auditing module. The auditing operation has two statuses of "passed" or "not passed". If it is "passed", the settlement will be settled. If the order is successful, the final foreign exchange payment operation of the transaction can be carried out; if it is "failed", the settlement order is in a failed state, and the Bianmin Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again.

After the bank reviewer has confirmed that the settlement has passed, if there is a situation that needs to be revoked, the settlement can be revoked on the system. After the revocation is performed, the declaration record corresponding to the settlement will not affect the subsequent re-pushing. The data.

The present invention is a system and method for verifying the authenticity and uniqueness of the background of cross-border mutual market trade, which is applied to the cross-border mutual market trade, so as to make the settlement data interactive and unified, and solve the problems of mixed paper documents and electronic data, and insufficient trade standardization. question. Bank settlement relies on electronic processing, and the settlement process is effectively verified and supervised.

The above description is a detailed description of the preferred feasible embodiments of the present invention, but the embodiments are not intended to limit the scope of the patent application of the present invention. All equivalent changes or modifications completed under the technical spirit suggested by the present invention shall belong to This invention covers the scope of the patent.

Claims (7)

1. a verification system for cross-border trade background authenticity and uniqueness, is characterized in that: described verification system comprises user management module, data verification module and data audit module; Described user management module, The data verification module and the data audit module are connected to each other; among them: The user management module is used to store the login information and authority information of legal users of the system, and to determine whether any user who attempts to log in to the system is a legal user; The data verification module is used to perform pre-verification on the entered data and allow the user to query the verification result; The data review module is used to review whether the received application information meets the business requirements, and output the review result. 2. a kind of verification system for cross-border mutual trade background authenticity and uniqueness according to claim 1, is characterized in that: described data verification module comprises declaration information pre-verification sub-module and declaration information query submodule; The declaration information pre-validation sub-module is used for the system to automatically perform data verification on the received trade declaration data; The declaration information query sub-module is used for the system user to query the verification result of the trade declaration data. 3. a kind of verification system for cross-border mutual trade background authenticity and uniqueness according to claim 1, is characterized in that: described data audit module comprises business inquiry submodule, business processing submodule and information maintenance submodule; The business query sub-module is used for querying all transaction detail data in the system, which is convenient for bank verification personnel to find historical data and check business conditions; The business processing sub-module is used for bank verification personnel to supplement the application information, approve settlement applications, and submit work order processing applications to the system administrator; The information maintenance sub-module is used for the system administrator to maintain the settlement bank information, overseas receiving bank information, and border exchange point area information. 4. a kind of verification system for cross-border mutual market trade background authenticity and uniqueness according to claim 1, is characterized in that: described user management module comprises account management module and personal center module; The account management module is used by the system administrator to perform operations such as querying, canceling, disabling, enabling, resetting account passwords, and assigning account authority to the account of the system user; The personal center module is used for system users to query their own personal information and modify account passwords. 5. a kind of verification system for cross-border mutual trade background authenticity and uniqueness according to claim 3, is characterized in that: described data audit module also comprises risk monitoring sub-module, The risk monitoring sub-module provides a variety of monitoring service functions such as log information viewing, early warning business statistics, no customs declaration business statistics, repeated settlement blacklist early warning and statistics; the risk monitoring sub-module includes a log information viewing unit, early warning business statistics unit, non-customs declaration business statistics unit, duplicate settlement blacklist warning and statistics unit; of which: The log information viewing unit is used for system administrators to view the daily operations of system users; The early warning business statistics unit is used for system users to check whether there is a large amount of excess payment time or beyond the declaration time in all the declaration records, and to carry out early warning processing, which is convenient for supervision and review; The non-customs declaration business statistics unit is used for the system user to visually check whether there is a declaration situation that the customs has no corresponding customs declaration information in all the declaration records, and can perform a re-verification operation; The repeated settlement blacklist early warning and statistics unit is used for the system user to check whether there is repeated push of declaration data in all declaration records, and to carry out early warning processing to facilitate regulatory review. 6. a kind of verification system for cross-border mutual market trade background authenticity and uniqueness according to claim 3, is characterized in that: described data audit module also comprises report form analysis submodule, described report form analysis submodule. The module counts and generates business reports from multiple angles according to the business processing situation. The report analysis sub-module includes a business volume query unit in the past seven days, a statistical report table unit, a fund confirmation statistics table unit, and a business volume statistics table unit; wherein: The business volume query unit in the past seven days is used for the user to check the business declaration situation and business trend in the past seven days; The statistical report table unit, from the dimension of the border trade service center, collects statistics on the declaration data of all settlement banks in a certain period of time, including the total number of transactions that passed the verification, the total amount that passed the verification, the total number of transactions that passed the review, and the total number of transactions that passed the review. The total amount, the total number of business pushes, and the total amount of business pushes; The capital confirmation statistics table unit, from the dimension of port area, collects statistics on the declaration data of all settlement banks in a certain period of time; The business volume statistics table unit counts the number and amount of declared data in a certain time period from the dimensions of the border trade service center and the bank. 7. A verification method for the authenticity and uniqueness of cross-border mutual market trade background as described in any one of claims 1-6, is characterized in that, comprises the steps: Step 1: Bianmin places an order through the verification system to apply for settlement; Step 2: The verification system determines whether each service center repeatedly pushes the declaration information of the same-day and same-border residents according to the declaration date and the declared identity information. The declaration data pushed by different border trade service centers to different banks or the same bank will be included in the duplicate settlement blacklist, and the system administrator will report it to the data verification module to review the users who perform duplicate settlement and the border trade service center. ; Step 3: The verification system will pre-check the validity of the received declaration data. If the validity pre-verification fails, the status of the declaration data will be recorded as "verification failed"; if the validity pre-verification has passed , then verify the validity of the declared data, and if the declared data validity verification fails, record the status of the declared data as "verification failed"; Step 4: After the self-verification of Step 3 is passed, push the declaration data to the data verification module to verify the authenticity of the trade background, and the data verification module returns the unique identifier of the declaration data; Step 5: If there is no corresponding customs declaration information from the customs, the verification system will issue an early warning, and the bank will verify the authenticity of the trade background with the Border Residents Trade Service Center through offline channels to complete the settlement and payment; Step 6: For the business data exceeding the payment time, the verification system will list the business data in the early warning business statistics unit; Step 7: Bianmin Mutual Market Trade Service Center invokes the interface of the verification system to obtain the verification result of the declaration data, and the user submits the settlement application at the counter of the settlement bank according to the result of the declaration information; Query the corresponding settlement document in the business processing sub-module, process the settlement document, and the processing result is "pass" or "fail"; Step 8: If the processing result is "failed", the settlement statement is in a failed state, and the Border Residents Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again; Step 9: If the processing result is "passed", the data auditing module needs to perform the auditing operation again. The auditing operation is "passed" or "not passed". If it is "passed", the settlement document is in a successful state, and the transaction can be carried out. the final foreign exchange payment operation; if it is "failed", the settlement document is in a failed state, and the Border Residents Mutual Market Trade Service Center needs to modify it according to the corresponding modification suggestion and then push it again.

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