CN112801627A - Credit document making and auditing method - Google Patents
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Abstract
The invention belongs to the technical field of credit certificates, and relates to a method for making and auditing a document of a credit certificate, which comprises an intelligent document making unit and an intelligent document examining unit; the intelligent unit for making the unit comprises the following steps: a1, acquiring a letter of credit text and assigning codes; a2, entering the content of the letter of credit receipt through the assigned code in a 1; a3, respectively exporting a data summary table, a beneficiary document and a non-beneficiary document data table through a credit document exporting system; the intelligent examination unit comprises the following steps: b1, receiving a data summary table of the intelligent form making unit; b2, acquiring the letter of credit text or identifying the letter of credit text by using a text recognition technology; b3, and comparing the data of b1 and b2 to generate a comparison result. The method for making and auditing the document of the credit card provided by the invention improves the intelligent degree and the accuracy of making and auditing the document of the credit card.
Description
Technical Field
The invention belongs to the technical field of credit certificates, and relates to a credit certificate document making and auditing method.
Background
In import and export trade, the exporter and importer usually agree on a specific settlement method when they sign a trade. The credit card is one of international trade settlement modes, introduces bank credit into the whole transaction, effectively solves the contradiction that two trade parties do not trust each other, and provides guarantee for the collection of exports and the safe delivery of importers.
In the credit business, an importer (applicant) submits an application to a bank (issuing bank) at the location of the importer, issues an irrevocable credit to an exporter (beneficiary), and when the exporter (beneficiary) submits a corresponding document to the issuing bank according to the terms of the credit, the issuing bank ensures that the corresponding delivery is paid.
The compliance Presentation requires that documents produced and submitted by the exporter (beneficiary) be consistent with the terms of the letter of credit, the applicable terms associated with the UCP600, and the international standard banking practice, while data needs to be consistent between the documents submitted.
In the existing document making mode, after an exporter (beneficiary) receives a letter of credit issued by an issuing bank, a document staff in charge of export business manually inputs document information in sequence according to the terms of the letter of credit to make a document. For export enterprises, especially small micro enterprises which newly enter the field of foreign trade, the business capability of document personnel is limited, or no special document personnel is equipped, so that the made documents have many problems and cannot meet the requirements of the credit documents. The quality of the document directly determines whether the enterprise can safely collect the export payment. How to rapidly and accurately make the conforming documents under the credit terms is a difficult problem troubling export enterprises. In addition, since the letter of credit typically requires the exporter (beneficiary) to submit documents from third parties such as shipping documents, insurance documents, origin certificates, certification by the ship's company, and the like. The document personnel firstly need to collect the information required by making various documents and then enter each business system to manually input the information. When the document is made to have inconsistency or data entry errors, enterprise document personnel need to modify one by one and then submit again, the procedure is complex, and in addition, the back and forth between the enterprise and a bank consumes a large amount of manpower.
The existing document auditing mode is that an exporter (beneficiary) submits all documents made according to the terms of the letter of credit to a counter of the international business department of banking. Due to the fact that enterprise document personnel have different document making habits and professional quality levels, the document formats received by banks are all five-fold, and the documents are not consistent. Currently, most banks adopt a manual auditing mode of bank bill auditors.
The bank auditor checks the letter of credit according to the letter of credit terms, relevant applicable terms of the UCP600 and international standard banking practices, and meanwhile, the consistency between the receipt and the receipt needs to be checked. Most credit documents have complicated terms and a large number of required documents, and the documents are thoroughly audited by means of professional knowledge and past experience of bank document auditors, so that the time consumption is long, the efficiency is low, fine document errors are easily ignored, and the documents are inconsistent when being sent to foreign banks. The non-compliance document requires the exporter (beneficiary) to pay a non-compliance fee, which in extreme cases may affect the recovery of the export payment. At present, few banks develop a machine document examination function, the development of the function is mainly based on document information extraction, semantic analysis, data comparison and other technologies, and because document format contents are complex, the above technologies are still imperfect at present, document auditing accuracy is not high, and manual intervention in the whole document auditing link is still needed.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a method for making and auditing the document of the letter of credit, and improves the intelligent degree and the accuracy of making and auditing the document of the letter of credit.
In order to achieve the purpose, the credit receipt making and auditing method comprises an intelligent receipt making unit and an intelligent receipt auditing unit;
the intelligent unit for making the unit comprises the following steps: a1, acquiring a letter of credit text and assigning codes; a2, entering the content of the letter of credit receipt through the assigned code in a 1; a3, respectively exporting a data summary table, a beneficiary document and a non-beneficiary document data table through a credit document exporting system;
the intelligent examination unit comprises the following steps: b1, receiving a data summary table of the intelligent form making unit; b2, acquiring the letter of credit text or identifying the letter of credit text by using a text recognition technology; b3, and comparing the data of b1 and b2 to generate a comparison result.
In the above method for making and auditing a document for credit, the intelligent document auditing unit further comprises: b4, performing manual review on the difference data by a document examiner: if the comparison result has data abnormality, recording the data as a non-compliance point or determining the non-compliance point after the bill examining personnel manually checks the abnormal data; b5, sending the examination result to the intelligent order making unit.
In the above method for making and auditing a document for credit, the intelligent document making unit further comprises: a4, receiving document conforming information in the intelligent document examination unit and marking the document conforming information as a conforming document, or receiving non-conforming points in the intelligent document examination unit, marking the document record as a document to be modified, and enabling a user to enter a document modification module of the intelligent document examination unit to modify the non-conforming points in the credit document.
In the above method for producing and verifying a document of credit, the assigning method in a1 is as follows: for the credit cards (MT700 and MT710 messages) received by the bank SWIFT system, directly assigning codes to the data units of each field in the messages, wherein each data unit consists of a field code, a field name and content; for the letter of credit received by the SWIFT system of the non-bank, the paper letter of credit is converted into a standard text through a text recognition technology, and then the standard text is endowed with codes. After the code is assigned, the user only needs to input the assigned code in the input box, the content of the corresponding field can be displayed again, and the document content can be rapidly input.
In the above method for producing and auditing the document of credit, when the data unit of the field contains a plurality of content items with serial numbers and identifiers, the assigning adopts the detailed assigning. After the user inputs the assigned code, the content can be increased or deleted according to the requirement, and the entry of the field is completed.
In the above method for making and auditing a document for credit, the data summary table in a3 is pre-audited by an online pre-audit unit and then sent to an intelligent document audit unit, wherein the online pre-audit unit comprises: calling a letter of credit text in a1 for the letter of credit received by the bank SWIFT system, and comparing the letter of credit text with a data summary table; for the letter of credit received by the SWIFT system of the non-bank, the paper letter of credit is converted into a standard text through a text recognition technology and then compared with a data summary table. Generally speaking, the online pre-review module only reviews a single content field of the data summary table, the online pre-review module marks the data summary table as correct data, wrong data and questioned data according to the matching degree of the comparison result, and the user further processes the data summary table according to the identification.
In the above method for making and auditing the documents of credit, the documents of the beneficiary include documents which do not relate to a third party, such as invoices, packing documents, beneficiary certificates and the like, and the documents of the beneficiary are exported in a PDF format and marked with document numbers consistent with a data summary table.
In the above method for making and auditing the documents of credit, the data sheet of non-beneficiary documents includes a bill-of-lading confirmation letter, a insurance policy for goods transportation, a certificate of origin certificate information confirmation letter, a certification of a ship company and the like, and the data sheet of non-beneficiary documents cannot be directly submitted to a bank for delivery, and the corresponding bill-of-lading, insurance policy for goods transportation, certificate of origin and the like need to be made through an operation module which is in butt joint with a third-party system. For example, the bill of lading confirmation letter and the certification of the shipper are manufactured through an online booking module, and the online booking module is used for butting the bill manufacturing system with the system of the shipper/forwarder; the goods transportation insurance policy is manufactured through an online insurance application module, and the online insurance application module enables a policy making system to be in butt joint with an insurance company insurance application system; the origin place certificate information confirmation letter is made through an online origin place certificate module, and the online origin place certificate module is used for butting a document making system with the origin place certificate of the single window trade party.
In the above method for making and auditing the document of credit, b3 compares the document of credit in different ways according to different types of data of credit, which are divided into fields relating to numbers and dates and fields not relating to numbers and dates, and generates different auditing results.
In the above method for making and verifying the document of credit, in b4, for the fields related to numbers and dates, if the comparison result is inconsistent, the fields are automatically listed in an inconsistent list; for the fields which do not relate to numbers and dates, if the comparison results are inconsistent, performing manual review, wherein the manual review method comprises the following steps: calling the letter of credit text in b2, comparing the user input data with the letter of credit text data by using a text recognition technology, manually judging the comparison result for the second time according to international practice and a policy examination experience, and manually listing in a non-conforming point list if the data of the two are not in conformity.
Compared with the prior art, the invention has the following beneficial effects:
by assigning codes to the credit data, the invention solves the problems of low efficiency and easy error of manual input of the form making data by the form personnel of the foreign trade export enterprise; all documents are manufactured and incorporated into the same set of system single system, the same data only needs to be input once, and the 'single form coincidence' is guaranteed from the root while the data is prevented from being input repeatedly; automatically generating a non-beneficiary document data table, introducing a third-party operation module, avoiding the procedures of one-by-one collection of document making data and repeated communication with a third party in the traditional mode, and the like, and completely finishing document extraction, policy protection and certificate manufacture of a place of origin on line, thereby saving the time and labor cost of foreign trade export enterprises; in addition, by factorizing all document data, automatically extracting and generating the data summary table, bank document auditors are assisted by a text recognition technology to avoid the problems that manual document data auditing is easy to make mistakes and the data efficiency is low when documents are repeatedly audited in a traditional mode, and the document auditing work can be completed only by auditing partial difference data of the credit certificate and the data summary table displayed after text recognition, so that the document auditing time of a single document is greatly shortened, and the document auditing accuracy is improved.
Drawings
FIG. 1 is a flow chart of the present invention;
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that, as used below, the term "unit" is a combination of software and/or hardware that can implement a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
As shown in fig. 1, the method for making and auditing the document of credit of the embodiment of the invention includes an intelligent document making unit and an intelligent document examining unit.
Intelligent order making unit
a1, obtaining the letter of credit text and assigning codes
The bank receives the messages of the foreign opened letter of credit MT700 and MT710 through the SWIFT system. The message contents of MT700 and MT710 are standard texts and have fixed formats, and each data unit consists of a field code, a field name and contents, as shown in table one:
watch 1
The contents of the MT700 and MT710 messages are coded according to the credit card field codes, so that the user can quickly input form making data. For the letter of credit received by the SWIFT system of the non-bank, firstly, the paper letter of credit is converted into a standard text format through the text recognition technology (OCR) and then is endowed with codes. After the code is assigned, the user only needs to enter the assigned code in the input box, and the content of the corresponding field can be displayed. Taking table one as an example, the code assigning logic is shown in table two:
watch two
In particular, the fields 45A, 46A typically include a plurality of content items having serial numbers and identifiers, which are encoded for refinement.
Taking 46A fields as an example, when the number of credits 46A fields is shown as:
46A:Document Required
COMMERCIAL INVOLIC ISSUED BY BENEFICIAL IN ONE COPY (Bill 1)
2, PACKING LIST INDICATE GROSS WEIGHT AND NET WEIGHT (document 2)
3, CERTIFICATE OF ORIGIN ISSUED BY THE CHAMBER OF COMMERCE OR ANY COMPETENT AUTHORITY. (document 3)
FULL SET OF NEGOTIABLE CLEAN BILL OF LADING MADE OUT TO THE ORDER SHOWING FREIGHT PREPAID (document 4)
Or as shown as:
46A:Document Required
commercial inside assisted BY benedicanic IN ONE COPY (document 1)
PACKING LIST INDICATE GROSS WEIGHT AND NET WEIGHT (document 2)
Certificate OF ORIGIN ISSUED BY THE CHAMBER OF COMMERCE OR ANY COMPETITION (document 3)
FULL SET OF NEGOTIABLE CLEAN BILL OF LADING MADE OUT TO THE ORDER SHOWING FREIGHT PREPAID (document 4)
Or is shown as
46A:Document Required
+ COMMERCIAL INVOLIC ISSUED BY BENEFICIAL IN ONE COPY (Bill 1)
+ PACKING LIST INDICATE GROSS WEIGHT AND NET WEIGHT (document 2)
+ CERTIFICATE OF ORIGIN ISSUED BY THE CHAMBER OF COMMERCE OR ANY COMPETENT AUTHORITY. (document 3)
+ FULL SET OF NEGOTIABLE CLEAN BILL OF LADING MADE OUT TO THE ORDER SHOWING FREIGHT PREPAID (document 4)
The coding rule refinement for 46A fields is shown in table three:
watch III
a2, entering the content of the letter of credit receipt by the assigned code in a1
And (4) entering a document making interface by a user, inputting the assigned code in the column according to the column name, and quickly finishing document making data input. For fields containing single content, such as 20, 31C, 59, 50 and the like, a user inputs the assigned codes and returns to the vehicle to directly complete the entry of document data; for the fields containing the composite contents, such as 45A, 46A, 47A and the like, a user can add or delete the contents according to the actual requirements after inputting the assigned codes for carriage return, or input detailed assigned codes, such as 461 and 462, and complete the entry of document data.
For example, in the exit name address field of the invoice making interface, the user only needs to input the code 59 in the input box, and after returning, the data entry of the field can be completed; for the import side name address field, the user only needs to input the code 50 in the input box, and after carriage return, the data entry of the field can be completed. By associating the endowment codes with the credit card text, the speed and the accuracy of user data entry can be effectively improved.
The intelligent document making unit optimizes the problem of repeated data repeatedly input among documents in the traditional document making process. In the process of making the same letter of credit receipt, the same data user on a plurality of receipts only needs to enter the letter once, so that the work load is saved, and the 'receipt conformity' is ensured from the root. Supposing that 5 documents need to be made for a certain credit card, when a user makes the 5 th document, the document making interface automatically captures and fills in the same column data of the 1 st to 4 th documents, and the user only needs to input the special data of the 5 th document, so that the data input of the document can be completed.
a3, respectively exporting a data summary sheet, a beneficiary sheet and a non-beneficiary sheet data sheet through a credit document exporting system. After the user submits, the system numbers and summarizes the data sub-documents input by the user according to the input sequence to generate a data summary table. And the data summarization table prints the document number consistent with the conventional document, and automatically sends the document number to the online pre-review module. The online pre-examination module pre-examines the data summary table in real time.
The online pre-review module calls the LC text in a1 to compare with the data summary table. And for the letter of credit received by the SWIFT system of the non-bank, converting the paper letter of credit into a standard text by using a text recognition technology (OCR), and then comparing the standard text with the data summary table.
And the online pre-review module only reviews a single content field of the data summary table, and the review mode is shown in the fourth table.
Watch four
Correct data for "√ v": the field data is consistent with the letter of credit and no further operation is needed.
"x" error data: if the field data is inconsistent with the letter of credit, please modify.
"! "question data: the field data is mostly consistent with the letter of credit, please confirm.
For data with results identified as "x," the user must correct the data on the data summary table. For the result identification "! "the user may autonomously choose whether to make changes to the data summary table data. And after the correction or the modification, submitting the data, and automatically triggering secondary pre-examination of the online pre-examination module. After the user confirms the pre-examination result, the data summary table is sent to an intelligent examination module in the banking system. And simultaneously, the system generates beneficiary document and non-beneficiary document data tables in the fifth table.
For beneficiary documents including invoices, packing lists, beneficiary certificates and the like, the export format of the system is PDF, and a user can directly print the documents and cannot edit the documents. And printing the document number consistent with the number of the data summary table on the document. The beneficiary bill does not need further operation, and the user can make a non-beneficiary bill and then bill to the bank together;
watch five
For the non-beneficiary document data table, a user needs to select a corresponding operation module to carry out next document making, and the document making is specifically shown in table six;
watch six
| Non-beneficiary document data sheet | Corresponding operation module |
| Bill of lading confirmation letter, certification of shipper | Online booking module |
| Insurance policy for goods transportation | Online application module |
| Letter for confirming information of origin certificate | Online origin certificate module |
Specifically, the online booking module enables the ordering system to be in butt joint with a shipping company/goods agency system, a user selects the online booking module autonomously, and export goods booking list and shipping company certification data generated by the ordering system are sent by one key. The shipping company/forwarder system receives the data, produces shipping documents and ship company certification.
Specifically, the online insurance application module enables the order making system to be in butt joint with an insurance company insurance application system, a user independently selects the module, and export goods insurance application order data are sent by one key. The insurance company insurance application system receives the data and produces the insurance policy of the oral goods.
Specifically, the online country of origin certificate module is used for butting the document making system with the country of origin certificate of the single window trading, a user independently selects the online country of origin certificate module, and the online country of origin certificate module sends country of origin certificate information confirmation letter data in a key mode. The system for making the list converts the data into a message with a standard format and transmits the message to a single window. And receiving data in a single window to make a place of origin certificate.
a4, receiving the document conformity information in the intelligent examination unit and marking as conformity document, or receiving the nonconformity point in the intelligent examination unit, and modifying the credit document
And receiving the information in the intelligent document examination unit b5, and for the non-coincident points, clicking the non-coincident point record by the user, directly positioning the system to the position of the non-coincident point data, and allowing the user to modify documents in batches and print the modified documents. After the user submits, the module sends a new 'data summary table' to the banking system again, and the bank operator can check whether the user completes bill modification in real time.
Intelligent examination unit
b1, data summary table of receiving intelligent order-making unit
An intelligent examination unit in the banking business system receives a data summary table sent by an intelligent form making unit, and the data summary table numbers and summarizes document data input by a user. The "data summary table" will be the subject of the audit in b 3. A summary representation of the data is shown in table seven.
Watch seven
b2, obtaining the letter of credit text or recognizing the letter of credit text by text recognition technology
The system calls the letter of credit text in the intelligent billing unit a1 as the auditing standard of b 3. For the letter of credit received by the non-bank self SWIFT system, the paper letter of credit is converted into standard text as the auditing standard of b3 by text recognition technology (OCR).
b3, comparing the data of b1 and b2, and generating a comparison result
The "data summary table" in b1 was reviewed in terms of the letter of credit text in b 2. According to different credit card data types and different auditing results, the system gives different operation instructions to the bank operator. As shown in table eight:
table eight
"√" is defined by: the system audits to pass without further action.
"X" does not coincide: the system checks the non-compliance and automatically lists the non-compliance.
"! "Manual review: the system has different audit data, and further manual audit is needed.
b4, the document examiner performs manual examination on the difference data
The bank auditor is about the mark! "the data is manually reviewed.
Specifically, the bank operator clicks "manual review" and the system turns out "! "the difference data is highlighted. And the bill examiner judges the contents of the bill examiner and the bill examiner. If the data meets the requirements of the letter of credit, the data is marked by manpower as 'V', if the data does not meet, the data is marked by manpower as 'x', and non-meeting details are marked.
b5, sending the examination result to the intelligent form making unit
If the 'data summary table' has no 'x' mark after the operations of b3 and b4, the system judges the bill as a matched bill. After the bank operator submits the business, the intelligent document examination unit automatically sends the information of document conformity to the intelligent document making unit. And after the intelligent form making unit receives the information of 'form conformity', marking the record of the form making unit as a 'conforming form'.
If the data summary table is marked with an X through operations b3 and b4, the system judges the document as a non-conforming document. After the bank operator submits the business, the intelligent examination unit automatically sends non-compliance details to the intelligent form making unit. And after the intelligent form making unit receives the information of 'non-compliance', marking the record of the form making unit as a 'document to be modified' state. The user needs to enter the bill modification module of the intelligent bill making unit, and modification is inconsistent.
Claims (9)
1. The method for making and checking the document of the letter of credit is characterized by comprising an intelligent document making unit and an intelligent document checking unit,
the intelligent unit for making the unit comprises the following steps: a1, acquiring a letter of credit text and assigning codes; a2, entering the content of the letter of credit receipt through the assigned code in a 1; a3, respectively exporting a data summary table, a beneficiary document and a non-beneficiary document data table through a credit document exporting system;
the intelligent examination unit comprises the following steps: b1, receiving a data summary table of the intelligent form making unit; b2, acquiring the letter of credit text or identifying the letter of credit text by using a text recognition technology; b3, and comparing the data of b1 and b2 to generate a comparison result.
2. The method for making and auditing documents according to claim 1, where the intelligent document auditing unit further comprises: b4, manually checking the difference data by a document examiner; b5, sending the examination result to an intelligent order making unit; the intelligent billing unit further comprises: and a4, receiving the document conformity information in the intelligent examination unit and marking the document conformity information as a conformity document, or receiving the nonconformity in the intelligent examination unit and modifying the letter of credit document.
3. The method for making and verifying the LC document as claimed in claim 1, wherein the assigning in the a1 is as follows: the bank directly assigns codes to the credit cards received by the SWIFT system through the data units of each field in the message; for the letter of credit received by the SWIFT system of the non-bank, the paper letter of credit is converted into a standard text through a text recognition technology, and then the standard text is endowed with codes.
4. The method of claim 3 wherein the field of data units comprises a plurality of content items having serial numbers and identifiers, and wherein the assigning is a fine assigning.
5. The method for making and auditing documents of credit of claim 1, wherein the data summary table in a3 is pre-audited by an online pre-audit unit and then sent to an intelligent document audit unit, the online pre-audit unit comprising: calling a letter of credit text in a1 for the letter of credit received by the bank SWIFT system, and comparing the letter of credit text with a data summary table; for the letter of credit received by the SWIFT system of the non-bank, the paper letter of credit is converted into a standard text through a text recognition technology and then compared with a data summary table.
6. The method of claim 1 wherein the beneficiary documents include invoices, packing slips, beneficiary certificates, the beneficiary documents are derived in PDF format and marked with document numbers consistent with a data summary.
7. The method of claim 1, wherein the non-beneficiary document data sheet comprises a bill of lading confirmation letter, a freight transportation insurance policy, a certificate of origin and place of delivery information confirmation letter, a boat company certificate, and wherein the non-beneficiary document data sheet is adapted to make corresponding documents through an operating module interfaced with a third party system.
8. The method for making and verifying the receipt of credit as claimed in claim 2, wherein the b3 is compared in different ways according to different types of credit data, and different verification results are generated, wherein the types of credit data are divided into fields relating to numbers and dates and fields not relating to numbers and dates.
9. The method for making and verifying the documents of credit as claimed in claim 8, wherein in b4, for the fields related to numbers and dates, if the comparison result is inconsistent, the fields are automatically listed in the inconsistent list; for the fields which do not relate to numbers and dates, if the comparison results are inconsistent, performing manual review, wherein the manual review method comprises the following steps: calling the letter of credit text in b2, comparing the user input data with the letter of credit text data by using a text recognition technology, manually judging the comparison result for the second time according to international practice and a policy examination experience, and manually listing in a non-conforming point list if the data of the two are not in conformity.
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| CN202110157104.3A CN112801627A (en) | 2021-02-04 | 2021-02-04 | Credit document making and auditing method |
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| CN202110157104.3A CN112801627A (en) | 2021-02-04 | 2021-02-04 | Credit document making and auditing method |
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