TWI455058B - Trade electronic document processing system - Google Patents

Description

Trade electronic document processing system

The present invention relates to a trade electronic document processing system, and more particularly to a trade electronic document processing system that provides an automated service platform for a trade value chain.

In response to the development of international trade, traders engaged in import and export business can borrow money through banks to conduct so-called trade financing in order to make the flow of funds smoother.

For the financing method in the trade clearance process, for example, the trader who wants to finance can use the Bill of Lading (B/L or Air Way Bill; AWB) issued by the logistics operator, such as the shipping company or the airline. Provided to the bank to prove to the bank the authenticity of the trader's shipment, thereby increasing the probability of the bank's approval of financing. However, the bill of lading is a paper that is easy to be counterfeited by the benevolent person, and the bill of lading has different changes due to the import and export business or the logistics industry. Therefore, how quickly and accurately check the true bill of lading for the bank side? Pseudo, that is, become a problem.

In addition, even if the bank can still identify the authenticity of the trade documents such as bills of lading, the follow-up still needs to input the information on the trade documents. This input operation is bound to require manpower and time processing, and is also easy to handle by manual processing. A situation in which data entry errors occur.

In order to solve the above disadvantages of the prior art, the object of the present invention is to provide a trade electronic document processing system for quickly and correctly determining the authenticity and consistency of the trade documents of the applicant financier, so as to effectively complete the processing of the financing business. .

Another object of the present invention is to provide a trade electronic document processing system, which avoids the labor and time cost of the bank to process the financing application documents, and effectively solves the problem of manually inputting the application data by the bank.

To achieve the above and other objects, the present invention provides a trade electronic document processing system for providing a licensor (such as the aforementioned bank terminal) to access trade documents related to traders (such as the aforementioned applicant financier) in trade customs clearance business, The trade electronic document processing system includes: a vocabulary library for storing vocabulary having associated, similar or synonymous properties for the data field name of the trade document; and an information checking module having a built-in formal expression Descriptive string generalization representation and rule conditions for checking the trade documents accessed by the authorized person according to the vocabulary defined by the vocabulary and the normalized expression to check the reference for the decision-making operation of the authorized person Related trade electronic documents.

In one embodiment of the trade electronic document processing system of the present invention, the trade electronic document processing system can be applied to a loan operation service, the authorized person is a fund provider, and the trader is a fund borrower, and the fund borrower passes the The network system issues an authorization notice to the trade electronic document processing system to enable the authorized fund provider to access the trade documents related to the money borrower in the trade customs clearance business, and the trade document includes the insurance policy underwritten by the insurance company Certificate of origin issued by the signing authority, bill of lading issued by the shipping company, contractor or airline, invoice issued by the trader or customs clearance documents provided by customs officers, such as loading and unloading information and customs Release the message.

Compared with the traditional bank trade financing processing method, the trade electronic document processing system of the present invention can solve the problem of manpower and time cost of comparing bank-side document comparison, and further improve the reuse rate of the stored trade-related documents, and Let the banks and the traders with financing needs to effectively complete the financing operations; in addition, because of the perspective of obtaining the final purpose funds for the circulation of goods, the trade capital needs as the driving force to promote the automation of the trade value chain to optimize , in connection with the transmission of relevant trade documents and the flow of funds.

The other embodiments of the present invention will be readily understood by those skilled in the art from this disclosure. The present invention may be carried out or applied in various other embodiments, and various modifications and changes can be made without departing from the spirit and scope of the invention.

As shown in FIG. 1 , the basic architecture of the electronic file processing system of the present invention and its application architecture are illustrated. The electronic file processing system of the present invention is used to authorize authorized persons to access traders in trade customs clearance services. Relevant trade documents are provided to provide the authorized person to process the trade document.

As shown in the figure, the aforementioned authorized person is, for example, a bank's fund provider 3, and the aforementioned trader, such as a fund borrower 4, the fund provider 3, after receiving the loan request from the fund borrower 4, can pass through the present Trade of invention The electronic document processing system 1 quickly and correctly determines the shipment shipment status of the fund borrower 4, and completes the financing operation.

Here, the operation of the trade electronic document processing system of the present invention will be described in detail by taking the fund borrower 4 as an export trader (ie, as a seller). It must be noted that the trade customs database 2 shown in the figure refers to the trade documents used to store the export trader's export business, mainly referring to government trade documents used in all trade procedures, such as signing Documents, certificates of origin, order documents, customs clearance status documents, etc. As for civil trade documents, such as orders, packing lists, invoices, bills of lading, letters of credit, shipping orders, insurance policies, bills of lading, customs clearance status documents, etc. Specifically, the trade customs clearance database 2 is a trade clearance stored by the applicant of the present invention to develop and promote a service system such as a global service operation platform, a multinational electronic transaction service, a customs clearance automation service, and a convenient trade network service. file. The trade customs clearance database 2 is networked with the trade electronic document processing system 1 of the present invention through a message integration channel, and the trade customs clearance database 2 serves as a platform for the trade electronic document processing system 1 of the present invention.

As shown in the figure, first, after the borrower of the export trader 4 makes a loan request to the fund provider 3 of the bank, the fund borrower 4 processes the electronic file of the present invention through the network system (not shown). The system 1 proposes an authorization notice for authorizing the money provider 3 to access the trade documents related to the money lender 4 in the trade customs clearance business. When the trade electronic document processing system 1 of the present invention confirms that the fund provider 3 has the access authority, the trade customs clearance related information 10 of the fund borrower 4 can be taken out from the trade clearance database 2 in the background, for example, the insurance company's core Guarantee Certificate of origin, certificate of origin issued by the signing authority, bill of lading issued by the shipping company, contractor or airline, invoice issued by the export trader or customs clearance status document provided by customs officers (eg release or Loading the ship, etc., and the trade electronic document processing system 1 of the present invention has an information checking module 11 and a vocabulary library 12, and the information checking module 11 and the vocabulary 12 perform the check of the information consistency. Confirm the authenticity and consistency of the trade document of the fund borrower 4, and check the relevant trade electronic documents that the fund provider 3 needs to refer to, and then provide the fund provider with a quick and accurate loan to the fund. 4 Completing the confirmation of shipment shipment and confirmation of the trade documents, and avoiding the problem that the conventional method is difficult to distinguish the authenticity of the transaction documents, reducing the risk of lending caused by information asymmetry, and thus improving the bank's opportunities for export financing and Loan financing is a number, and at the same time there is an opportunity to reduce the lending rate, solve the problem of small and medium-sized enterprises' export financing, and then effectively handle the financing business.

It is also noted that the aforementioned trade electronic file is in the file storage format in the hypertext markup language format (eXtensible Markup Language; XML).

The information check module 11 and the vocabulary library 12 perform the check of the information consistency, which means that the information content defined by different files in the international trade document is different, for example, in the trade customs clearance related information 10, the column in the trade document There are different tag definitions, and different trade documents may indicate the same subject, but the tags used are different. For example, the shipper tag is called Shipper in the A trade file, but the consignor in the B trade file. Therefore, in order to achieve automated consistency check, the present invention is advantageous The vocabulary library 12 is established by using the associated tag names, similarities or synonyms in the trade document, and the string normalization is described by the regular expression (regexp) provided by the information checking module 11 described above. Representation and rule conditions, so even if the trade document format in the current trade customs database is different according to the industry standard definition, it can still be related, similar or synonymous by the name (tag) defined by the vocabulary 12 The information checking module 11 performs data consistency check and authenticity check on each trade document accessed. The trade electronic document processing system of the present invention provides an information delivery pipeline with integrated functions, so that the document information can be reused, so that the same data source can be reused for subsequent operations, and the existing financing method can save the bank. In addition to the labor cost of paper materials, the staff also improves the accuracy of the verification results, that is, provides a trade electronic document processing system that provides effective financing for business.

Furthermore, as shown in FIG. 2, it is a schematic diagram of a basic architecture and an application architecture of another embodiment of the trade electronic document processing system of the present invention. In order to simplify the description, only the difference between the present embodiment and the above-mentioned first figure is described. The trade electronic document processing system 1' of the present embodiment further has an information standard and format conversion module 13 and a file division and merge module. 14.

The information standard and format conversion module 13 is configured to execute the trade customs clearance related information 10 of the fund borrower 4 from the background trade customs database 2 and provide it to the fund provider 3, according to the demand of the fund provider 3 Conversion of message standards and formats. For example, the trade electronic document processing system 1' of the present invention uses the trade customs clearance information 10 taken from the trade clearance database 2 in the background as a file in the more commonly used hypertext markup language format (eXtensible Markup Language; XML). The information format and format conversion module 13 can perform the conversion of the message standard and format to the trade customs clearance related information 10 in XML format according to the content of the information desired by the fund provider 3, although the fund provider 3 The required data format is different, but the fund provider 3 facilitates information integration by the information standard and format conversion module 13, for example, only the partial column in a specific form in the trade clearance related information 10 Bit data; even, the field name in the specific form, that is, the aforementioned definition name (tag), may be defined by a different name, for example, the information standard and format conversion module 13 may be based on the money provider 3 The form requirement redefines the field name "Exporter" as "Borrower" and the content of the redefined "Loaner" field information remains unchanged. . Therefore, although the information format required by the fund provider 3 is different, the information standard and the format conversion module 13 can improve the reusability of the message. In other words, the trade electronic document processing system 1 of the present invention obtains the trade document from the background. And the subsequent trades can reuse the obtained trade documents. For the fund provider 3, it is not necessary to repeatedly input the same information, but a lot of manpower can be saved, and the required form format can be formulated according to the form requirements. Efficient use of trade documents that already exist in the background.

The file splitting and merging module 14 is configured to take out the trade customs clearance related information 10 of the fund borrower 4 from the background trade customs database 2 and provide it to the fund provider 3 according to the time set by the fund provider 3 or The file size is reassembled and packaged to optimize and serialize the delivery of relevant trade documents.

In summary, the trade electronic document processing system of the present invention provides an automated service platform for the trade value chain, thereby realizing information exchange integration, information standard and format conversion, information consistency check, and file splitting and the like. As far as the current export financing processing operations are concerned, it is possible to quickly and correctly judge the authenticity of the application documents of the fund borrowers, that is, to provide a trade document processing system that effectively obtains financing.

The embodiments described above are only intended to illustrate the features and effects of the present invention, and are not intended to limit the scope of the technical scope of the present invention. The technical scope of the present invention is broadly defined in the following claims. Any technical entity or method completed by any other person, if it is identical to the definition of the patent scope described below, or an equivalent change, will be considered to cover the scope of this patent.

1,1’. . . Trade electronic document processing system

10. . . Trade clearance related information

11. . . Information check module

12. . . Vocabulary

13. . . Information Standards and Format Conversion Module

14. . . File split merge module

2‧‧‧Trade Clearance Database

3‧‧‧Finance provider

4‧‧‧Fund borrowers

1 is a schematic diagram of a basic architecture of an electronic file processing system of the present invention and an application architecture thereof;

2 is a schematic diagram of a basic architecture and an application architecture thereof according to another embodiment of the trade electronic document processing system of the present invention.

1. . . Trade electronic document processing system

10. . . Trade clearance related information

11. . . Information check module

12. . . Vocabulary

2. . . Trade customs clearance database

3. . . Fund provider

4. . . Capital borrower

Claims (10)

A trade electronic document processing system for providing authorized persons to access trade documents related to traders in trade customs clearance business, the trade electronic document processing system comprising: a vocabulary library for storing data field names of the trade documents Defining vocabulary with related, similar or synonymous properties; and an information check module with a formalized representation to describe the generalized representation of the string and the rule conditions for the trade accessed by the privileged The document obtains a data field name of a vocabulary having an associated, similar or synonymous nature in the trade documents according to a vocabulary defined by the vocabulary, and the data field name is determined by the normalized expression and the rule condition The content is normalized and judged whether the contents are the same. The data consistency check and the authenticity check are used to check the relevant trade electronic documents required for the decision-making operation of the authorized person. For example, the trade electronic document processing system described in claim 1 includes: an information standard and a format conversion module for performing a message on the trade document accessed by the authorized person according to the needs of the authorized person. Standard and format conversion. For example, the trade electronic document processing system described in claim 1 includes: a file splitting and merging module, so that the trade file accessed by the authorized person is based on the time or file size set by the authorized person. Reassemble the package. For example, the trade electronic document processing system mentioned in the scope of patent application No. 1, 2 or 3 is linked to the trade customs database network, and the trade customs clearance The database is used to store the trade documents of the aforementioned traders in the trade customs clearance business. For example, the trade electronic document processing system described in claim 1, 2 or 3, wherein the trade document is a signature document, a certificate of origin and an order, a packing list, an invoice, a bill of lading, a letter of credit, and a loading Single, policy, bill of lading or customs clearance status documents. For example, the trade electronic document processing system described in claim 1, 2 or 3, wherein the trade electronic document processing system is applied to a loan operation service, the authorized person is a fund provider, and the trader is a fund. The borrower, the fund borrower submits an authorization notice to the trade electronic document processing system through the network system, so that the authorized fund provider can access the trade document related to the fund borrower in the trade customs clearance business. For example, the trade electronic document processing system described in claim 6 wherein the trade document includes a policy underwritten by an insurance company, a certificate of origin issued by the signing authority, a shipping company, a contractor or an airline. The bill of lading opened, the invoice issued by the trader or the customs clearance document provided by the customs officer. The trade electronic document processing system of claim 6, wherein the fund provider is a bank. For example, the trade electronic document processing system described in claim 1 is characterized in that the trade electronic file detected by the information checking module is in a hypertext markup language format as a file storage format. For example, the trade electronic document processing system described in claim 1 of the patent application, wherein the authorized accessing trader has a trade customs clearance business The closed trade documents are in the hypertext markup language format as the file storage format.