CN109784880A - The method and system of cross-border transaction - Google Patents
The method and system of cross-border transaction Download PDFInfo
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- CN109784880A CN109784880A CN201811487587.8A CN201811487587A CN109784880A CN 109784880 A CN109784880 A CN 109784880A CN 201811487587 A CN201811487587 A CN 201811487587A CN 109784880 A CN109784880 A CN 109784880A
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Abstract
The disclosure provides a kind of cross-border transaction method and system, is related to electronic information technical field.The cross-border transaction method is the following steps are included: the cross-border electric business service platform of buyer's login buys goods and pays；The seller delivers and records Shipping Information on cross-border electric business service platform；The cross-border electric business platform is according to the customs declaration information creating customs declaration acquisition request of input and is sent to Custom system server；Receive the customs declaration that the Custom system server returns；The cross-border electric business service platform sends foreign exchange and audits relevant information；Bank audits relevant information according to the foreign exchange and carries out foreign exchange audit, is paid to after the approval.Corresponding, the disclosure additionally provides cross-border transaction system.Using cross-border transaction method or system that the embodiment of the present disclosure provides, can allow keeps cross-border transaction more quick, safe.
Description
Technical field
This disclosure relates to electronic information technical field more particularly to the method and system of cross-border transaction.
Background technique
Cross-border e-commerce has very important war as the technical foundation for pushing economic integration, trade globalization
Slightly meaning.The obstacle between country has not only been broken through in cross-border e-commerce, and international trade is made to move towards borderless trade, while it is also just
In the dramatic change for causing world economy and trade.For enterprise, the opening of cross-border e-commerce building, multidimensional, solid it is more
Economic and trade cooperation mode in side has greatly widened the path into international market, be greatly facilitated polygon resource distribute rationally with
Win-win progress between enterprise；For consumers, cross-border e-commerce makes them easily obtain the letter of other countries
It ceases and buys quality-high and inexpensive commodity.
Cross-border e-commerce mode of doing business, cargo transport, in terms of and traditional trade mode differ greatly.
Existing method of commerce customs declaration, foreign exchange audit and in terms of there is a problem of it is not fast enough, not safe enough.
Summary of the invention
The embodiment of the present disclosure provides a kind of method and system of cross-border transaction, is able to solve uneasiness present in the relevant technologies
Complete or inconvenient problem.The cross-border transaction method that the embodiment of the present disclosure provides is the following steps are included: buyer logs in cross-border electric business
Service platform buys goods and pays；The seller delivers and records Shipping Information on cross-border electric business service platform；The cross-border electricity
Quotient's platform is according to the customs declaration information creating customs declaration acquisition request of input and is sent to Custom system server；Receive the sea
Close the customs declaration that system server returns；The cross-border electric business service platform sends foreign exchange and audits relevant information, and bank is according to institute
It states foreign exchange audit relevant information and carries out foreign exchange audit, paid to after the approval.
In some embodiments, above-mentioned buyer logs in cross-border electric business service platform and buys goods and pay, comprising: Mai Fangdeng
The commodity overseas or service that record electric business online shopping platform determination to be bought are placed an order with the foreign currency price of commodity or service, complete to close
With signature, and the interface provided by electric business online shopping platform, it jumps to bank paying control platform and is paid.
In some embodiments, this method further include: logging request is created according to the identity identification information of input and is sent
To the Custom system server；
Receive the login authenticating result for the correspondence user that the Custom system server returns.The identity of root input is known
Other information creating logging request is simultaneously sent to Custom system server, may include: according to the identity identification information and institute
It states the logging request obtained after the data format specifications progress data encapsulation of Custom system server and is sent to the customs
System server.
In some embodiments, receiving the customs declaration that the Custom system server returns may include: to receive the sea
Close the electricity that system server carries out the corresponding customs declaration acquisition request returned after data communication with national official's Custom system
Sub- customs declaration；Wherein, the electronic customs clearance list is to be wrapped by the Custom system server according in the customs declaration acquisition request
The customs declaration information of the user input contained obtains after calling the database of the national official Custom system to carry out matching retrieval
?.
The material of foreign exchange audit in some embodiments may include customs declaration, contract and commercial invoice.Contract can be use
It signs online or by user's upload in family；Invoice can be invoice file that user fills in online or upload.Cross-border electric business
Before service platform sends foreign exchange audit relevant information, this method can also include: whether the check and correction pending data is complete,
When the pending data is imperfect, the data content that prompts user to lack；And/or it is between the check and correction pending data
It is no to be mutually matched；When mismatching between the pending data, the unmatched particular content of user is prompted, so as to user's progress
Data updating or confirmation.
This method can also include: the audit that cross-border electric business service platform receives the foreign exchange audit in some embodiments
As a result；When the auditing result be it is obstructed out-of-date, return to unacceptable reason to user.
Buyer can be paid with RMB to Third-party payment company by cross-border electric business service platform in some embodiments
Money；The Third-party payment company buys foreign exchange to bank buys in corresponding foreign currency；The Third-party payment company to the seller overseas with
The foreign currency clearing payment.It may include: third party's branch that Third-party payment company, which buys foreign exchange to bank and buys in corresponding foreign currency,
Fu company initiates request of buying foreign exchange to bank, and provides foreign exchange audit data；The bank carries out foreign exchange audit, after the approval root
It carries out selling remittance according to the request of buying foreign exchange.
In some embodiments, buyer by cross-border electric business service platform with RMB to the banker's payment；The silver
It is about to be stored in excess reserve account after Payment Amount is bought foreign exchange, and notifies bank overseas；Bank's reception buyer passes through cross-border
The notice of paying that electric business service platform is sent；Payment Amount is transferred to selling for the bank overseas from excess reserve account by the bank
Family's account.
In some embodiments, foreign exchange audit material is sent to the bank, the bank by cross-border electric business service platform
Foreign exchange audit is carried out, Payment Amount is transferred to seller's account of the bank overseas from excess reserve account after the approval.
Also very a kind of cross-border transaction system of the embodiment of the present disclosure, comprising: cross-border electric business service platform and banking system service
Device；Wherein, the cross-border electric business service platform buys goods for buyer and provides the entrance and seller's note of user-pay
Record Shipping Information；The cross-border electric business service platform is also used to the customs declaration information creating customs declaration acquisition request according to input
And it is sent to Custom system server；Receive the customs declaration that the Custom system server returns；The cross-border electric business service is flat
Platform is also used to send foreign exchange audit relevant information；The banking system server, for carrying out foreign exchange audit, after the approval into
Row is paid to.
In some embodiments, in the case where not causing confusion, banking system server can be also simply referred to as bank.
In some embodiments, banking system server is stored in excess reserve account after being also used to buy foreign exchange Payment Amount, and
Notify bank overseas.
In some embodiments, banking system server is also used to receive the buyer and passes through cross-border electric business service platform
The notice of paying sent；Notify for Payment Amount to be transferred to the seller account of the bank overseas from excess reserve account according to paying.
In some embodiments, cross-border electric business service platform is also used to create to log according to the identity identification information of input and ask
It asks and is sent to Custom system server；Receive the login authenticating result for the correspondence user that Custom system server returns.
In some embodiments, the customs declaration that the above-mentioned reception Custom system server returns may include: to receive institute
It states Custom system server and carries out the corresponding customs declaration acquisition request returned after data communication with national official's Custom system
Electronic customs clearance list.
In some embodiments, which further includes that can be taken with Third-party payment corporate server, Third-party payment company
For receiving user-pay, Xiang Yinhang buys foreign exchange or settles the exchange business device, and settles accounts to seller parties；The banking system server is used
In the request of buying foreign exchange or settle the exchange for receiving the transmission of Third-party payment corporate server, processing buys foreign exchange or settles the exchange.Such as: it is being exported
Cross-border payment when, the Third-party payment corporate server is bought foreign exchange request to the initiation of banking system server, and to the seller with
Foreign exchange payment settlement；Or when carrying out the cross-border payment of import, the Third-party payment corporate server takes to banking system
Business device initiates settlement of exchange request, and to the seller with RMB payment settlement.
The cross-border transaction method or system that the embodiment of the present disclosure provides, can allow makes the more quick prompt, safety of cross-border payment.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the disclosure
Example, and together with specification for explaining the principles of this disclosure.
Fig. 1 is that the embodiment of the present disclosure provides cross-border transaction method flow diagram；
Fig. 2 is the method flow diagram for obtaining customs declaration；
Fig. 3 is the method flow diagram of foreign exchange audit；
Fig. 4 is the flow chart of import cross-border transaction；
Fig. 5 is the schematic diagram for the cross-border transaction system that the embodiment of the present disclosure provides.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all implementations consistent with this disclosure.On the contrary, they be only with it is such as appended
The example of some aspects be described in detail in claims, the disclosure consistent method, apparatus or system.
Fig. 1 is that the embodiment of the present disclosure provides cross-border transaction method flow diagram.As shown in Figure 1, comprising the following steps:
101, buyer logs in cross-border electric business service platform and buys goods and pay；
102, the seller delivers and records Shipping Information on cross-border electric business service platform；
103, cross-border electric business platform according to the customs declaration information creating customs declaration acquisition request of input and is sent to system, customs
System server；Receive the customs declaration that the Custom system server returns；
104, cross-border electric business service platform sends foreign exchange and audits relevant information；
105, bank audits relevant information according to above-mentioned foreign exchange and carries out foreign exchange audit, is paid to after the approval.
In some embodiments, when carrying out import transaction, buyer, that is, domestic buyer, also commonly referred to as buyer, buyer, consumption
Person or purchaser；Cross-border electric business service platform for example can be in non-net；By cross-border electric business service platform trade buyer and
The seller is referred to as user in the case where not causing confusion.Buyer logs in the electric business online shopping platform determination quotient overseas to be bought
Product or service are placed an order, the signature of completion contract with the foreign currency price (such as dollar) of commodity or service, and flat by electric business online shopping
The interface that platform provides, such as payment button, jump to bank paying control platform, and input trading password is paid.After the completion of payment
Fund is imported into Third-party payment corporation account, or enters bank account.In some embodiments, Third-party payment company or silver
It is about to deduct equivalent RMB according to the exchange rate at that time；In some embodiments buyer when lower single can first payment in part,
That is advance payment.
In some embodiments, such as when import cross-border transaction, buyer namely the overseas seller, overseas the seller, is not causing
In the case where obscuring, it can also directly be known as the seller, seller or supplier.After overseas the seller is notified, got ready the goods, delivered,
It obtains customs declaration and records Shipping Information on cross-border electric business service platform and upload document；At this point, if buyer only pays
Advance payment, cross-border electric business service platform then need to remind buyer paid remaining fund, reinform the domestic seller after the completion of remaining fund payment
Account in full is tied.Buyer paid remaining fund is completed also in bank paying control platform.
In some embodiments, when carrying out cross-border transaction, cross-border electric business service platform can be according to the identification of user
Information is that the user creates logging request and is sent to Custom system server；Then receive what Custom system server returned
The login authenticating result of the corresponding user；It, can be defeated according to user when it is to successfully pass authentication that user, which logs in authenticating result,
The customs declaration information creating customs declaration acquisition request that enters simultaneously is sent to the Custom system server；It is returned to Custom system server
After returning the electronic customs clearance list information of the corresponding customs declaration acquisition request, then electronic customs clearance list information returned into the user.
Wherein, logging request is created according to the identity identification information of input and is sent to Custom system server, may include: according to institute
What the data format specifications for stating identity identification information and the Custom system server obtain after data encapsulation described steps on
Record request is sent to the Custom system server.In some embodiments, the report that the Custom system server returns is received
Guan Dan can be the corresponding institute for receiving and returning after the Custom system server and national official's Custom system progress data communication
State the electronic customs clearance list of customs declaration acquisition request；Wherein, the electronic customs clearance list is by the Custom system server according to institute
The customs declaration information for stating the user input for including in customs declaration acquisition request calls the number of the national official Custom system
Obtain after matching retrieval according to library.
Buyer pay after operation, and foreign exchange audit relevant information is sent to bank by cross-border electric business service platform, notifies
Domestic bank pays；Foreign exchange audit relevant information may include the letter that the audit of the foreign exchanges such as contract, customs declaration, commercial invoice needs
Breath.Wherein, contract can be user and sign online or by user's upload；Invoice can be that user fills in online or upload
Invoice file.
In some embodiments, before cross-border electric business service platform sends foreign exchange audit relevant information, the method may be used also
It is whether complete to include: the check and correction pending data, when the pending data is imperfect, the data that prompts user to lack
Content；And/or
It proofreads and whether is mutually matched between the pending data；When being mismatched between the pending data, prompt
The unmatched particular content of user, so that user carries out data updating or confirmation.
In some embodiments, cross-border electric business service platform can receive the audit that foreign exchange is audited from banking system server
As a result；When the auditing result be it is obstructed out-of-date, unacceptable reason can be returned to user.
In some embodiments, the means of payment of cross-border transaction can be buyer by cross-border electric business service platform with the people
Coin is paid the bill to Third-party payment company；The Third-party payment company buys foreign exchange to bank buys in corresponding foreign currency；The third party
Payment company is settled accounts with the foreign currency to the seller overseas and is paid the bill.Wherein, Third-party payment company buys foreign exchange to bank buys in accordingly
Foreign currency, which may include: the Third-party payment company, initiates request of buying foreign exchange to bank, and provides foreign exchange and audit data；The silver
Row carries out foreign exchange audit, and request of buying foreign exchange according to after the approval carries out selling remittance.
Fig. 2 is the method flow diagram for obtaining customs declaration.As shown, steps are as follows for the realization of acquisition customs declaration:
201, cross-border electric business service platform is that user creation logging request is concurrent according to the identity identification information of user
Give Custom system server.
Wherein, identity identification information includes: China Electronics's port Enterprise IC Card and password；Or port enterprise, China Electronics
IKEY and password.
202, cross-border electric business service platform receives the login mirror for the correspondence user that the Custom system server returns
Weigh result.
Wherein, logging in authenticating result is by the Custom system server according to the body for including in the logging request
What part identification information obtained after calling the database of the national official Custom system to be authenticated.
203, when it is to successfully pass authentication that the user, which logs in authenticating result, believed according to the customs declaration of user input
Breath creation customs declaration acquisition request is simultaneously sent to the Custom system server.
Wherein, comprising declaration odd numbers in the customs declaration information, the declaration odd numbers is to meet national official's Custom system
The set of number of unified standard as defined in supporting.
204, the correspondence customs declaration acquisition that cross-border electric business service platform receives that the Custom system server returns is asked
The electronic customs clearance list information asked.
Wherein, electronic customs clearance list information is to include according in the customs declaration acquisition request by the Custom system server
User input customs declaration information call the database of national official's Custom system to carry out matching retrieval after obtain
's.
Specifically, search operaqtion can be in two sub- database retrievals, wherein the data of first database storage can be with
Custom system server when customs declaration obtains operation is carried out before being user to retrieve from the database of national official's Custom system
When the acquired relevant electronic customs clearance list information of user and other related datas, can be by aforementioned warp in order to improve recall precision
Acquired data are retrieved to be stored directly in the corresponding server of user；Second database is the clothes of national official Custom system
Business device.When the database of official, Custom system server calls country Custom system obtains user's corresponding electronic customs clearance list information
It is first retrieved in first database, retrieval is less than then removing the second database retrieval.If obtaining the corresponding electronics report of the user for the first time
Close single information, it is not stored in first database, then electronic customs clearance list information corresponding less than the user is retrieved in the first data,
The second database and the server of national official Custom system is needed directly to retrieve acquisition.
205, the electronic customs clearance list information is returned to user by cross-border electric business service platform.
It wherein, include the status information of customs declaration in electronic customs clearance list information, wherein there are four types of the states of customs declaration, examines
Knot getting customs clearance, is let pass, examination notice.
Illustratively, electronic customs clearance list information can be returned to use by display equipment displaying by cross-border electric business service platform
Family closes single pattern with practical inlet and outlet and shows electronic customs clearance list, and for the operation such as user query or downloading preservation, user can also root
Relevant subsequent processing is carried out according to the information in electronic customs clearance list.
Optionally, cross-border electric business service platform can also will be with electronics when returning to electronic customs clearance list information to the user
The relevant information of customs declaration information association returns to user, and the relevant information includes at least associated with the electronic customs clearance list
Order information such as order closes coordinates data or data.
Fig. 3 is the method flow diagram of foreign exchange audit.If shown, bank carries out foreign exchange audit can be by following steps reality
It is existing:
301, cross-border electric business service platform obtains pending data；
Wherein, pending data includes at least customs declaration, and customs declaration is the information request that Platform Server is provided according to user
The electronic customs clearance list that Custom system server returns；
302, pending data is sent to banking system server by cross-border electric business service platform；
303, cross-border electric business service platform receives the auditing result that the banking system server returns；
304, auditing result is returned to user by cross-border electric business service platform.
In some embodiments, cross-border electric business service platform can obtain one of in the following manner the customs declaration: (1)
Platform Server receives the declaration odd numbers information of user's input, obtains corresponding customs declaration according to the declaration odd numbers；(2) platform
Server provides customs declaration to be selected according to the identity information of the user and/or the processing status of user's customs declaration,
After user selects confirmation, corresponding customs declaration is obtained.
In some embodiments, pending data further includes contract and invoice.Contract can be user sign online or by
The contract documents that user uploads.Invoice can be invoice file that user fills in online or upload, be export direction importer
Draw up delivery marked price inventory, is the foundation of both parties' book keeping operation, and the leader of inlet and outlet declaration payment of duty.
In some embodiments, cross-border electric business service platform obtains the contract and can be according to customs declaration acquisition pair
The contract answered；Obtaining the invoice can be according to the customs declaration and/or the corresponding invoice of contract acquisition.
It in some embodiments, can also include: cross-border electricity before pending data is sent to banking system server
Whether quotient's service platform proofreads the pending data complete, when the pending data is imperfect, user is prompted to lack
Data content；And/or
Cross-border electric business service platform proofreads whether be mutually matched between the pending data；When the pending data it
Between when mismatching, the unmatched particular content of user is prompted, so that user carries out data updating or confirmation.
Optionally, the auditing result received when cross-border electric business service platform is obstructed out-of-date to audit, and can will not pass through
The reason of return to the user.It is that cross-border electric business service platform, which obtains pending data, can be reception in embodiment some
The pending data that the user is uploaded and sent by user terminal A PP.
Below with reference to specific cross-border transaction process, cross-border transaction and method of payment are further illustrated.Fig. 4 be import across
The flow chart of border transaction, as shown in the figure, comprising the following steps:
401, domestic buyer logs in cross-border electric business service platform and buys goods and pay；
Domestic buyer is also commonly referred to as buyer, buyer, consumer or purchaser；Electric business service platform for example can be in it is non-
Net.Domestic buyer logs in the commodity or service that electric business online shopping platform determination to be bought, with commodity or the foreign currency price of service (such as
Dollar) place an order, the signature of completion contract, and the interface provided by electric business online shopping platform, such as payment button, jump to bank
Payment control platform, input trading password is paid, after the completion of payment, guarantee deposit account after domestic bank buys foreign exchange Payment Amount
Family, margin account are also commonly referred to as excess reserve account.Buyer can first part payment goods when lower single in some embodiments
Money, i.e. advance payment.
402, domestic bank informs that overseas bank guarantee gold has been paid；
403, overseas seller buyer's received payment overseas is informed by bank, and overseas seller's notice delivers；
The seller overseas, the also commonly referred to as seller, supplier；
404, overseas the seller gets ready the goods, delivers, obtaining customs declaration and the record delivery letter on cross-border electric business service platform
It ceases and uploads invoices and vouchers；
After overseas the seller receives the notice that overseas bank sends, is got ready the goods, delivered, obtaining customs declaration and in cross-border electric business
Shipping Information is recorded on service platform and uploads document；At this point, if buyer only pays advance payment, cross-border electric business service platform
It then needs to remind buyer paid remaining fund, reinforms the domestic seller after the completion of remaining fund payment and tied account in full.Buyer paid remaining fund is same
Sample is completed in bank paying control platform, after the completion of payment will, remaining fund enters the guarantee fund of domestic bank after domestic bank buys foreign exchange again
Account.
405, domestic buyer carries out operation of paying, and foreign exchange audit relevant information is sent to above-mentioned by cross-border electric business service platform
Domestic bank notifies domestic bank to pay；
Foreign exchange audit relevant information may include the information that the audit of the foreign exchanges such as contract, customs declaration, commercial invoice needs.
406, domestic bank carries out foreign exchange audit, and Payment Amount collateral security gold account is transferred to bank overseas after the approval
Seller's account.
In some embodiments, auditing result can be returned to cross-border electric business service platform by bank, if audit is obstructed
Cross, then cross-border electric business service platform reminds buyer, it is some be that can also inform that buyer audits unacceptable reason in embodiment,
Cross-border electric business service platform is retransmitted to bank after buyer corrects foreign exchange msu message.
The embodiment of the present disclosure also provides a kind of cross-border transaction system, can be used for executing disclosure Fig. 1 to Fig. 4 corresponding method
Embodiment, as shown in figure 5, the cross-border payment system 50 includes: cross-border electric business service platform 51, banking system server 52.
Cross-border electric business service platform 51 buys goods for buyer and provides the entrance and seller's record of user-pay
Shipping Information；
Cross-border electric business service platform 51 is also used to the customs declaration information creating customs declaration acquisition request according to input and sends
Give Custom system server；Receive the customs declaration that the Custom system server returns；
Cross-border electric business service platform 51 is also used to the cross-border electric business service platform and is also used to send the related letter of foreign exchange audit
Breath；
Banking system server 52 is paid to after the approval for carrying out foreign exchange audit.
Banking system server 52 for being stored in excess reserve account after Payment Amount is bought foreign exchange, and notifies bank overseas；
In some embodiments, it is flat by the service of cross-border electric business to be also used to receive domestic buyer for banking system server 52
The notice of paying that platform 51 is sent；Notify for Payment Amount to be transferred to seller's account of the bank overseas from excess reserve account according to paying
Family.
In some embodiments, foreign exchange can be audited relevant information and be sent to banking system by cross-border electric business service platform 51
Server 52, domestic bank carry out foreign exchange audit, are after the approval transferred to Payment Amount from excess reserve account described silver-colored overseas
Capable seller's account；Foreign exchange audit relevant information may include the letter that the audit of the foreign exchanges such as contract, customs declaration, commercial invoice needs
Breath.
In some embodiments, cross-border electric business service platform 51 is also used to be created according to the identity identification information of input and log in
Request Concurrency gives the Custom system server；Receive the login for the correspondence user that the Custom system server returns
Authenticating result.
In some embodiments, cross-border electric business service platform 51 receives the customs declaration that the Custom system server returns,
It include: the corresponding declaration for receiving the Custom system server and return after data communication with national official's Custom system
The electronic customs clearance list of single acquisition request.
In some embodiments, which can also include Third-party payment corporate server (not shown), third
Fang Zhifu corporate server can be used for receiving user-pay, and Xiang Yinhang buys foreign exchange or settles the exchange, and settle accounts to seller parties；The silver
Row system server, for receiving the request of buying foreign exchange or settle the exchange of Third-party payment corporate server transmission, processing buys foreign exchange or settles the exchange.
Such as: in the cross-border payment exported, the Third-party payment corporate server is bought foreign exchange to the initiation of banking system server
Request, and to converging payment settlement other than the seller；Alternatively, when carrying out the cross-border payment of import, the Third-party payment company clothes
Device be engaged in the initiation settlement of exchange request of banking system server, and to the seller with RMB payment settlement.
The cross-border transaction system that the disclosure provides, can quick, safety carry out cross-border transaction.
Based on cross-border transaction method described in the embodiment of the present disclosure, the embodiment of the present disclosure also provides a kind of computer can
Storage medium is read, for example, non-transitorycomputer readable storage medium can be read-only memory (English: Read Only
Memory, ROM), random access memory (English: Random Access Memory, RAM), CD-ROM, tape, floppy disk and
Optical data storage devices etc..It is stored with computer instruction on the storage medium, for executing described in the embodiment of the present disclosure
Cross-border transaction method, details are not described herein again.
Those skilled in the art will readily occur to its of the disclosure after considering specification and practicing disclosure disclosed herein
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Person's adaptive change follows the general principles of this disclosure and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the disclosure are by following
Claim is pointed out.
Claims (20)
1. a kind of cross-border transaction method, which is characterized in that the described method includes: buyer, which logs in cross-border electric business service platform, chooses quotient
Product are simultaneously paid；The seller delivers and records Shipping Information on cross-border electric business service platform；The cross-border electric business platform is according to input
Customs declaration information creating customs declaration acquisition request and be sent to Custom system server；The Custom system server is received to return
The customs declaration returned；The cross-border electric business service platform sends foreign exchange and audits relevant information, and bank audits related according to the foreign exchange
Information carries out foreign exchange audit, is paid to after the approval.
2. being bought goods the method according to claim 1, wherein the buyer logs in cross-border electric business service platform
And it pays, comprising:
The buyer logs in the commodity overseas or service that electric business online shopping platform determination to be bought, with commodity or the foreign currency price of service
It places an order, the signature of completion contract, and the interface provided by electric business online shopping platform, jumps to bank paying control platform and paid.
3. the method according to claim 1, wherein further include: it is stepped on according to the creation of the identity identification information of input
Record request Concurrency gives the Custom system server；
Receive the login authenticating result for the correspondence user that the Custom system server returns.
4. according to the method described in claim 3, it is characterized in that, described logged according to the creation of the identity identification information of input is asked
It asks and is sent to Custom system server, comprising:
It is obtained after carrying out data encapsulation according to the data format specifications of the identity identification information and the Custom system server
To the logging request be sent to the Custom system server.
5. the method according to claim 1, wherein the declaration for receiving the Custom system server and returning
It is single, comprising:
It receives the Custom system server and carries out the corresponding declaration returned after data communication with national official's Custom system
The electronic customs clearance list of single acquisition request；
Wherein, the electronic customs clearance list is by the Custom system server according to the institute for including in the customs declaration acquisition request
State user's input customs declaration information call the database of national official's Custom system to carry out matching retrieval after obtain.
6. the method according to claim 1, wherein foreign exchange audit material includes the customs declaration, contract
And commercial invoice.
7. according to the method described in claim 6, it is characterized in that, the contract is that user signs online or uploaded by user
's；The invoice is invoice file that user fills in online or upload.
8. the method according to claim 1, wherein the cross-border electric business service platform sends foreign exchange audit correlation
Before information, the method also includes:
Whether complete the pending data is proofreaded, when the pending data is imperfect, in the data that prompts user to lack
Hold；And/or
It proofreads and whether is mutually matched between the pending data；When mismatching between the pending data, user is prompted
Unmatched particular content, so that user carries out data updating or confirmation.
9. the method that office is stated according to claim 1, which is characterized in that the method also includes: the cross-border electric business service is flat
Platform receives the auditing result of the foreign exchange audit；When the auditing result be it is obstructed out-of-date, return to unacceptable reason to user.
10. method according to any one of claims 1 to 9, which is characterized in that the buyer is serviced flat by cross-border electric business
Platform is paid the bill with RMB to Third-party payment company；The Third-party payment company buys foreign exchange to bank buys in corresponding foreign currency；Institute
It states Third-party payment company and payment is settled accounts with the foreign currency to the seller overseas.
11. according to the method described in claim 10, it is characterized in that, the Third-party payment company buys foreign exchange to bank and buys in phase
The foreign currency answered, comprising:
The Third-party payment company initiates request of buying foreign exchange to bank, and provides foreign exchange audit data；
The bank carries out foreign exchange audit, and request of buying foreign exchange according to after the approval carries out selling remittance.
12. method according to any one of claims 1 to 9, which is characterized in that the buyer is serviced flat by cross-border electric business
Platform is with RMB to the banker's payment；The bank is stored in excess reserve account after Payment Amount is bought foreign exchange, and notifies silver-colored overseas
Row；The bank receives the notice of paying that the buyer is sent by cross-border electric business service platform；The bank is by Payment Amount
Seller's account of the bank overseas is transferred to from excess reserve account.
13. according to the method for claim 12, which is characterized in that Payment Amount is transferred to by the bank from excess reserve account
Seller's account of the bank overseas, comprising:
Foreign exchange audit material is sent to the bank by cross-border electric business service platform, and the bank carries out foreign exchange audit, and audit is logical
Payment Amount is transferred to seller's account of the bank overseas from excess reserve account later.
14. a kind of cross-border transaction system, which is characterized in that including cross-border electric business service platform, banking system server；Wherein,
The cross-border electric business service platform, buys goods for buyer and provides the entrance of user-pay and the seller records delivery letter
Breath；The cross-border electric business service platform is also used to the customs declaration information creating customs declaration acquisition request according to input and is sent to
Custom system server；Receive the customs declaration that the Custom system server returns；The cross-border electric business service platform is also used to
It sends foreign exchange and audits relevant information；The banking system server is paid to after the approval for carrying out foreign exchange audit.
15. system according to claim 14, which is characterized in that the banking system server is also used to the gold that will pay the bill
Volume is stored in excess reserve account after buying foreign exchange, and notifies bank overseas.
16. system according to claim 14, which is characterized in that the banking system server is also used to receive described
The notice of paying that buyer is sent by cross-border electric business service platform；Payment Amount is transferred to from excess reserve account according to notice is paid
The seller account of the bank overseas.
17. system according to claim 14, which is characterized in that the cross-border electric business service platform is also used to according to input
Identity identification information creation logging request and be sent to the Custom system server；The Custom system server is received to return
The login authenticating result of the correspondence user returned.
18. according to the method for claim 14, which is characterized in that the report for receiving the Custom system server and returning
Guan Dan, comprising:
It receives the Custom system server and carries out the corresponding declaration returned after data communication with national official's Custom system
The electronic customs clearance list of single acquisition request.
19. system described in 4 to 18 according to claim 1, which is characterized in that the system also includes Third-party payment company clothes
It is engaged in device, for receiving user-pay, Xiang Yinhang buys foreign exchange or settles the exchange the Third-party payment corporate server, and to seller parties knot
It calculates；The banking system server, for receiving the request of buying foreign exchange or settle the exchange of Third-party payment corporate server transmission, processing purchase
It converges or settles the exchange.
20. system according to claim 19, which is characterized in that in the cross-border payment exported, the third party
Payment corporate server is bought foreign exchange request to the initiation of banking system server, and converges payment settlement in addition to the seller；Or
When carrying out the cross-border payment of import, the Third-party payment corporate server, which initiates settlement of exchange to banking system server, is asked
It asks, and to the seller with RMB payment settlement.
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Application publication date: 20190521 |