CN110782242A

CN110782242A - Foreign currency repayment method, device, server and storage medium

Info

Publication number: CN110782242A
Application number: CN201911011223.7A
Authority: CN
Inventors: 宣灿; 杨冬华; 刘文辉; 彭佑高; 汪子珍; 杨丽燕; 徐烨; 乔莎莎; 蒋有为; 陈起儒; 陈圣博; 凌竞男; 胡利
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-23
Filing date: 2019-10-23
Publication date: 2020-02-11
Anticipated expiration: 2039-10-23
Also published as: CN110782242B

Abstract

The embodiment of the application discloses a foreign currency repayment method, a device, a server and a storage medium, and belongs to the technical field of computers. Therefore, the foreign currency repayment operation can be directly carried out from the third-party client through the third-party server, the repayment obstacle of the third-party client to the foreign currency bill is overcome, and the one-key repayment function of the third-party client to the foreign currency bill is realized.

Description

Foreign currency repayment method, device, server and storage medium

Technical Field

The embodiment of the application relates to the technical field of computers, in particular to a foreign currency repayment method, a device, a server and a storage medium.

Background

With the worldwide communication becoming more and more intensive, the chances of a user purchasing goods using foreign currency also increase. Among them, the use of credit cards to pay bills of foreign currencies has become a common consumption method.

In the related art, when a user repays a foreign currency bill in a credit card, the user needs to receive the foreign currency bill sent by a bank through an electronic mailbox. After the foreign currency bill is checked, the exchange rate of the current day needs to be known through a bank official network or other ways on the current day of payment, and the amount of the home currency needed for paying the foreign currency bill is calculated by the self. Then, after the user deposits the money amount of the home currency into the credit card, the user needs to call the bank client, and manually informs the client that the money amount of the home currency is used for paying the foreign currency bill, so that the repayment process of the foreign currency bill is completed.

However, the related art operations of checking the foreign currency bill and repayment of the foreign currency bill are cumbersome.

Disclosure of Invention

The embodiment of the application provides a foreign currency repayment method, a device, a server and a storage medium, which can be used for solving the problem that the operation of checking a foreign currency bill and repaying the foreign currency bill is complex in the related technology. The technical scheme is as follows:

according to an aspect of the present application, there is provided a foreign currency repayment system, the system including a third party server, a data cache server, a public financial clearing server, and a financial institution server:

the third-party server is used for reading the foreign currency prepayment bill corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third-party client;

the third-party server is used for sending a cash note to the public financial clearing server when the foreign currency prepayment note is not sent to the corresponding financial institution server, and the remark field of the cash note comprises the amount of foreign currencies to be returned, the currency type and the exchange rate of the foreign currencies;

the public financial clearing server is used for forwarding the withdrawal statement to the corresponding financial institution server when the withdrawal statement conforms to a preset format;

and the financial institution server executes repayment operation on the foreign currency prepayment sheet according to the remark field of the withdrawal sheet.

According to another aspect of the present application, there is provided a foreign currency payment method applied in a third-party server, the method including:

when a bill payment success notice is sent to the third-party client, reading a foreign currency prepayment bill corresponding to the bill payment success notice from the data cache server;

and when the foreign currency prepaid bills are not sent to the corresponding financial institution server, sending a cash-out bill to a public financial clearing server, wherein the remark field of the cash-out bill comprises the amount of foreign currencies to be returned, the currency type and the exchange rate of the foreign currencies, and the cash-out bill is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to carry out repayment operation on the foreign currency prepaid bills according to the remark field.

According to another aspect of the present application, there is provided a foreign currency payment apparatus, for use in a third-party server, the apparatus including:

the prepaid bill reading module is used for reading the foreign currency prepaid bill corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third-party client;

and the statement sending module is used for sending a statement to a public financial clearing server when the foreign currency prepaid statement is not sent to a corresponding financial institution server, wherein the remark field of the statement comprises the amount of foreign currency to be returned, the currency type and the exchange rate of the foreign currency, and the statement is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to carry out repayment operation on the foreign currency prepaid statement according to the remark field.

According to another aspect of the present application, there is provided a server comprising a processor and a memory, the memory having stored therein at least one instruction, the instruction being loaded and executed by the processor to implement a foreign currency payment method as provided in the practice of the present application.

According to another aspect of the present application, there is provided a computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor to implement a foreign currency payment method as provided in the practice of the present application.

The beneficial effects brought by the technical scheme provided by the embodiment of the application can include:

and when the bill payment success notice is sent to the third party client, the foreign currency prepayment sheet corresponding to the bill payment success notice is read from the data cache server, when the foreign currency prepayment sheet is not sent to the corresponding financial institution server, the third party server sends a cash-out sheet to the public financial settlement server, the remark field of the cash-out sheet comprises the amount of the foreign currency to be returned, the currency type and the exchange rate of the foreign currency, and the cash-out sheet is used for being forwarded to the financial institution server by the public financial settlement server and instructing the financial institution server to carry out repayment operation on the foreign currency prepayment sheet according to the remark field. Therefore, the slave third-party client can directly indicate the financial institution server to carry out foreign currency repayment operation through the third-party server, the repayment obstacle of the third-party client to the foreign currency bill is cleared, and the one-key repayment function of the third-party client to the foreign currency bill is realized.

Drawings

In order to more clearly describe the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments of the present application will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a schematic diagram of a server according to an embodiment of the present application;

FIG. 2 is an architecture diagram of a foreign currency payment system provided in an exemplary embodiment of the present application;

FIG. 3 is a flow chart of a foreign currency payment method provided by an exemplary embodiment of the present application;

FIG. 4 is a flow chart of another method for paying a foreign currency according to an exemplary embodiment of the present application;

FIG. 5 is a flow chart of another method for paying a foreign currency according to another exemplary embodiment of the present application;

FIG. 6 is a schematic diagram of a user identity information confirmation and supplement page for applying for a query function of opening a foreign currency bill provided in the embodiment of FIG. 5;

FIG. 7 is a second verification code input interface provided in accordance with the embodiment of FIG. 5;

FIG. 8 is a schematic diagram of a display mode of a foreign currency bill provided based on the embodiment shown in FIG. 5;

FIG. 9 is a schematic illustration of a notification page in process of a foreign currency prepaid form provided in accordance with the embodiment of FIG. 5;

FIG. 10 is a schematic illustration of a details page of a payment record provided based on the embodiment shown in FIG. 5;

fig. 11 is a schematic diagram of a data sharing system where a third-party server is located according to an embodiment of the present application;

fig. 12 is a schematic diagram of a block chain according to an embodiment of the present disclosure;

fig. 13 is a schematic diagram of a new block generation process provided by an embodiment of the present application;

fig. 14 is a block diagram illustrating a foreign currency payment apparatus according to an exemplary embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

In the description of the present application, it is to be understood that the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In the description of the present application, it is to be noted that, unless otherwise explicitly specified or limited, the terms "connected" and "connected" are to be interpreted broadly, e.g., as being fixed or detachable or integrally connected; can be mechanically or electrically connected; may be directly connected or indirectly connected through an intermediate. The specific meaning of the above terms in the present application can be understood in a specific case by those of ordinary skill in the art. Further, in the description of the present application, "a plurality" means two or more unless otherwise specified. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

In order to make the solution shown in the embodiments of the present application easy to understand, several terms appearing in the embodiments of the present application will be described below.

Card inquiry interface: is an interface in the third party server for querying the basic information in the credit card. In one possible implementation, the card inquiry interface may be wxf _ card _ query.

A bill inquiry interface: is an interface in the third party server for querying the relevant information of the bill. In one possible implementation, the billing query interface may be wxf _ bill _ query.

And (3) authentication interface: the method is an interface in the third-party server for identifying whether the third-party client has the bill viewing authority. In one possible implementation, the authentication interface may be wxf _ bill _ auth.

Sensitive information inquiry interface: is an interface in a third party server for querying sensitive information relating to the user. In one possible implementation, the sensitive information query interface may be fpg _ positive _ user _ qry.

Repayment amount distribution interface: is an interface in the third party server for distributing repayment amount according to preset rules. In one possible implementation, the repayment amount distribution interface may be wxf _ calc _ charge.

Pre-ordering interface: is an interface in the third party server for generating foreign currency prepaid bills and saving the foreign currency prepaid bills to the data cache server. In one possible implementation, the pre-order interface may be wxf _ request.

Payment callback interface: the interface is used for storing the foreign currency prepayment bill in the data cache server in a database of the third party server by the third party server. In one possible implementation, the payment callback interface may be wxf _ callback.

Illustratively, the foreign currency payment method shown in the embodiment of the application can interact with the user through a third-party client in the terminal. The terminal provided with the third-party client side is provided with a display screen and a foreign currency repayment function. The terminal may include a mobile phone, a tablet computer, a laptop computer, a desktop computer, a computer all-in-one machine, a server, a workstation, a television, a set-top box, smart glasses, a smart watch, a digital camera, an MP4 player terminal, an MP5 player terminal, a learning machine, a point-and-read machine, an electronic paper book, an electronic dictionary, a vehicle-mounted terminal, a Virtual Reality (VR) player terminal, an Augmented Reality (AR) player terminal, or the like.

In one possible implementation, the third party client may be an application installed through an application installation package. In another possible implementation, the third-party client may also be an applet, a flash application, a mini-application, or the like embedded in a specified application.

Alternatively, the third party client may be at least one of a gaming application, a shopping application, an instant messaging application, a blogging application, a cartographic drawing application, a text editing application, a ticketing application, a map navigation application, a video playback application, a live broadcast application, a browser application, a reading application, a music application, a financial payment application, a camera application, a photo beautification program, a smart device control application, a telephony application, a text messaging program, a weather application, a clock program, a system search application, a contacts program, a shared traffic application, a logistics application, a taxi taking application, a take-away application, an attendance card-checking application, and a code scanning application.

Referring to fig. 1, fig. 1 is a schematic structural diagram of a server according to an embodiment of the present application. The server is used for implementing the foreign currency payment method provided by the embodiment. In the present application, the server may be at least one of a third party server, a data caching server, a public financial clearing server and a financial institution server. In terms of hardware composition, the composition of each server may be the same or similar. Specifically, the method comprises the following steps:

the server 100 includes a central processing unit (abbreviated: CPU)101, a system memory 104 including a random access memory (abbreviated: RAM)102 and a read only memory (abbreviated: ROM)103, and a system bus 105 connecting the system memory 104 and the central processing unit 101. The server 100 also includes a basic input/output system (I/O system) 106, which facilitates the transfer of information between devices within the computer, and a mass storage device 107 for storing an operating system 113, application programs 114, and other program modules 115.

The basic input/output system 106 comprises a display 108 for displaying information and an input device 109, such as a mouse, keyboard, etc., for user input of information. Wherein the display 108 and the input device 109 are connected to the central processing unit 101 through an input output controller 110 connected to the system bus 105. The basic input/output system 106 may also include an input/output controller 110 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, the input-output controller 110 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 107 is connected to the central processing unit 101 through a mass storage controller (not shown) connected to the system bus 105. The mass storage device 107 and its associated computer-readable media provide non-volatile storage for the server 100. That is, the mass storage device 107 may include a computer-readable medium (not shown), such as a hard disk or CD-ROM drive.

Without loss of generality, the computer-readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD, or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that the computer storage media is not limited to the foregoing. The system memory 104 and mass storage device 107 described above may be collectively referred to as memory.

The server 100 may also operate as a remote computer connected to a network via a network, such as the internet, according to various embodiments of the invention. That is, the server 100 may be connected to the network 112 through the network interface unit 111 connected to the system bus 105, or may be connected to other types of networks or remote computer systems using the network interface unit 111.

Referring to fig. 2, fig. 2 is an architecture diagram of a foreign currency payment system according to an exemplary embodiment of the present application. The foreign currency payment system includes a third party server 210, a data caching server 220, a public financial clearing server 230, and a financial institution server 240. Optionally, in order to introduce a practical application scenario of the foreign currency payment system, the object interacting with the foreign currency payment system further includes a terminal 250 hosting a third party client, and a user 260 using the terminal 250.

In the foreign currency payment system shown in fig. 2, the third-party server 210 performs data interaction with the terminal 250. The third party server 210 is also used to store temporary data in the data cache server 220. When the third-party server 240 needs to save the temporary Data for a long time, the third-party server 210 may again read the temporary Data from the Data cache server 220 and save the temporary Data in a database (english: Data Base; abbreviated: DB) in the third-party server 210.

The data cache server 220 is used for storing temporary data provided by the third party server 210. In one possible implementation, the data caching server 220 may be a CKV server.

The public financial clearing server 230 is used to record and clear the bills in currency between the third party server 210 and the financial institution server 240. In one possible scenario, public financial clearing server 230 may be an online server that accepts only RMB bills.

As can be seen from the objects provided by the foreign currency payment system, the user 260 can implement the function of one-touch payment of the foreign currency bill in the credit card by using the third party client in the terminal 250. For the upper limit procedure of this function in the third-party server, refer to the introduction in the following embodiments.

Referring to fig. 3, fig. 3 is a flowchart illustrating a foreign currency payment method according to an exemplary embodiment of the present application. The foreign currency payment method can be applied to the foreign currency payment system shown in the figure 2. In fig. 3, the foreign currency payment method includes:

in step 310, when the bill payment success notification is sent to the third-party client, the third-party server reads the foreign currency prepaid bill corresponding to the bill payment success notification from the data cache server.

In this embodiment, the third-party server may authenticate the third-party client in advance, and after the third-party server passes the authentication process, the financial institution server sends the foreign currency bill of the user to the third-party server, so that the foreign currency bill is transferred to the third-party client via the third-party server. And after the user confirms that the foreign currency bill corresponds to the home currency amount to be paid, the third-party server stores the foreign currency prepaid bill in the data cache server and sends a bill payment success notice to the third-party client. And then, the third-party server reads the foreign currency prepayment bill corresponding to the bill payment success notice from the data cache server.

Alternatively, the third party server can store the read foreign currency prepaid bill, which is notified that the bill payment was successful, in a database in the third party server, so that the foreign currency prepaid bill, which the user agrees to pay, can be dropped into a local database. In the operation, the third-party server can ensure that the foreign currency prepayment bill which the user agrees to pay can be processed by the third-party server without omission, and can also enable mass data to pass through the cache of the data cache server, so that the database in the third-party server is prevented from being directly read and written by external access, and the efficiency of the third-party processor for storing the foreign currency prepayment bill is improved.

And step 320, when the foreign currency prepayment list is not sent to the corresponding financial institution server, the third-party server sends a cash-out list to the public financial clearing server, and the remark field of the cash-out list comprises the amount of the foreign currency to be returned, the currency type of the foreign currency and the exchange rate.

In the embodiment of the application, two foreign currency prepaid bills can be stored in the database of the third-party server. The first type of foreign currency prepaid sheet is a foreign currency prepaid sheet that has been sent to the financial institution server, and the other type of foreign currency prepaid sheet is a foreign currency prepaid sheet that has not been sent to the financial institution server. The database of the third party server can mark the two foreign currency prepaid bills differently. The third party server can identify the corresponding mark, and when the foreign currency prepayment sheet is not sent to the corresponding financial institution server, the third party server sends a cash-out sheet to the public financial clearing server, and the remark field of the cash-out sheet comprises the amount of the foreign currency to be returned, the currency type and the exchange rate of the foreign currency.

It should be noted that, because the supervising entity needs to supervise the payment proxy service of the financial institution provided by the third party service provider to the user, the supervising entity may require that each transaction processed by the third party service provider needs to be submitted to the public financial clearing server, so as to enable the public financial clearing server to store the data of the transaction, thereby realizing the safety and controllability of the service provided by the third party service provider, and reducing the financial risk.

On this basis, since the public financial clearing server provides only the transaction format of the home currency, the third party facilitator cannot transmit a bill relating to the foreign currency to the financial institution server. In order to solve the problem, the efficiency of a user for quickly paying the foreign currency bill is enhanced, key information such as the amount of the foreign currency, the currency type and the exchange rate of the foreign currency is creatively written into the remark field of the cash note, so that the financial institution server can read the relevant information of the foreign currency from the remark field of the cash note, and the financial institution server exchanges the home currency in the cash note into the foreign currency according to the relevant information of the foreign currency and pays the corresponding foreign currency bill.

And step 330, when the withdrawal slip conforms to the preset format, the public financial clearing server forwards the withdrawal slip to the corresponding financial institution server.

In the embodiment of the application, the public financial clearing server can receive the cash-out order sent by the third-party server. The public financial clearing server will then verify the format of the withdrawal slip, which it can store when the format of the withdrawal slip conforms to a preset format. Alternatively, the public financial clearing server can forward the withdrawal statement to the financial institution server to which the withdrawal statement corresponds. It should be noted that the cash note may also include an identifier of the financial institution. The public financial clearing server can send the withdrawal statement to the corresponding financial institution server according to the identification of the financial institution.

And 340, the financial institution server executes repayment operation on the foreign currency prepayment sheet according to the remark field of the cash withdrawal sheet.

In the embodiment of the application, the financial institution server executes a repayment operation on the foreign currency prepayment sheet according to the remark field of the withdrawal sheet. In one possible embodiment, the withdrawal slip includes the amount of the home currency and the remarks field includes the amount of the foreign currency, the currency type of the foreign currency and the exchange rate. The financial institution server can calculate the required target home currency amount according to the foreign currency amount, the currency type and the exchange rate of the foreign currency, and then deduct the target home currency amount from the home currency amount in the cash slip, thereby completing the repayment operation of the foreign currency prepayment sheet.

In summary, the foreign currency repayment system provided by the embodiment of the application comprises a third-party server, a data cache server, a public financial clearing server and a financial institution server. The third-party server is used for reading the foreign currency prepayment sheet corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third-party client side, and the third-party server is used for sending a cash-out sheet to the public financial clearing server when the foreign currency prepayment sheet is not sent to the corresponding financial institution server, wherein the remark field of the cash-out sheet comprises the amount of the foreign currency to be returned, the currency type and the exchange rate of the foreign currency. Wherein the exchange rate is used for indicating the exchange rate between the foreign currency and the home currency. And the public financial clearing server is used for forwarding the withdrawal note to the corresponding financial institution server when the withdrawal note conforms to the preset format, and the financial institution server executes repayment operation on the foreign currency prepayment note according to the remark field of the withdrawal note. Therefore, the foreign currency repayment system provided by the embodiment of the application can send the cash note conforming to the preset format to the public financial clearing server through the third-party server, and the note field of the cash note indicates the amount of the foreign currency to be repacked, the currency type and the exchange rate of the foreign currency, so that the third-party client can realize the one-key repayment function aiming at the foreign currency credit card, and the fast repayment function of the foreign currency bill of the credit card is provided for a user by the third-party server.

Referring to fig. 4, fig. 4 is a flowchart illustrating another method for paying a foreign currency according to an exemplary embodiment of the present application. The foreign currency repayment method can be applied to a third-party server in the foreign currency repayment system. In fig. 4, the foreign currency payment method includes:

and step 4A, when the bill payment success notice is sent to the third-party client, reading the foreign currency prepayment bill corresponding to the bill payment success notice from the data cache server.

In an embodiment of the present application, the third party server is capable of sending a bill payment success notification to the third party client upon successful deposit of the foreign currency prepaid sheet into the data cache server. And when the third-party server sends the bill payment success notice to the third-party client, the third-party server reads the foreign currency prepayment bill corresponding to the bill payment success notice from the data cache server.

For example, a foreign currency prepaid bill corresponds to a foreign currency bill that a third party client delegates to a third party server to pay a corresponding credit card. For example, a foreign bill for $ 100 credit card is to be paid in the third party client, which pays the home bill 700 dollars to the third party server at exchange rate 7. At this time, the third party server stores the foreign currency prepaid sheet in the data cache server, and then sends a bill payment success notice to the third party client. And then, the third-party server reads the bill payment success notification corresponding to the foreign currency prepayment bill from the data cache server.

And step 4B, when the foreign currency prepayment sheet is not sent to the corresponding financial institution server, sending a withdrawal slip to the public financial clearing server, wherein the remark field of the withdrawal slip comprises the amount of the foreign currency to be returned, the currency type and the exchange rate of the foreign currency, and the withdrawal slip is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to carry out repayment operation on the foreign currency prepayment sheet according to the remark field.

In the embodiment of the present application, the third party server can determine whether the read foreign currency prepaid sheet is transmitted to the corresponding financial institution server. When the third party server confirms that the foreign currency prepaid sheet is not sent to the corresponding financial institution server, the third party server sends a withdrawal slip, which is a bill in accordance with the preset format of the public financial clearing server, to the public financial clearing server.

It should be noted that the public financial clearing server can read the data in the cash note. The withdrawal slip is provided with a remark field. The method and the device have the advantages that the information of the amount of the foreign currency, the currency type and the exchange rate of the foreign currency is added in the remark field, and after the public financial clearing server receives the withdrawal order, the data in the withdrawal order are read and stored. The public financial clearing server then forwards the withdrawal slip to the financial institution server and instructs the financial institution server to perform a repayment operation for the foreign currency prepaid slip according to the remark field.

The financial institution server can receive the cash withdrawal order sent by the third-party server and extract the money according to the amount of money in the cash withdrawal order sent by the third-party server; and exchanging the extracted home currency into the foreign currency according to the information of the foreign currency amount, the currency type and the exchange rate of the foreign currency in the remark field, and then executing repayment operation on the foreign currency prepayment sheet.

In one possible implementation scenario, a data flag may be used to identify whether the foreign prepaid bill was sent to the corresponding financial institution server. When the data flag is 1, the third party server can confirm that the foreign currency prepaid sheet has been transmitted to the corresponding financial institution server. When the data flag is 0, the third party server can confirm that the foreign currency prepaid sheet is not transmitted to the corresponding financial institution server.

In summary, the foreign currency repayment method provided in this embodiment can read the foreign currency prepaid sheet corresponding to the bill payment success notification from the data cache server when the bill payment success notification is sent to the third party client, and when the foreign currency prepaid sheet is not sent to the corresponding financial institution server, the third party server sends a statement to the public financial institution server, where a remark field of the statement includes the amount of the foreign currency to be restored, the currency type and the exchange rate of the foreign currency, and the statement is used for being forwarded to the financial institution server by the public financial institution server and instructing the financial institution server to perform a repayment operation on the foreign currency prepaid sheet according to the remark field. Therefore, the slave third-party client can directly indicate the financial institution server to carry out foreign currency repayment operation through the third-party server, the repayment obstacle of the third-party client to the foreign currency bill is cleared, and the one-key repayment function of the third-party client to the foreign currency bill is realized.

Based on the scheme disclosed in the previous embodiment, the terminal can also provide the function of opening and querying the foreign currency bill by one-key payment to the third-party client, please refer to the following embodiment.

Referring to fig. 5, fig. 5 is a flowchart illustrating another method for paying a foreign currency according to another exemplary embodiment of the present application. The foreign currency repayment method can be applied to the foreign currency repayment system. In fig. 5, the foreign currency payment method includes:

step 410, receiving a credit card bill query request sent by a third party client, wherein the credit card bill query request is used for querying a foreign currency bill.

In an embodiment of the present application, the third party client is capable of providing a credit card bill inquiry function to the user. In one possible implementation, the third party client can provide the credit card billing inquiry page in a designated page. The credit card billing inquiry page may be a page provided by the third-party client, or may be a page provided by an applet in the third-party client, which is not limited in this embodiment of the present application.

In the credit card billing inquiry interface, the third party client may provide a billing inquiry control. When the user clicks the bill query control, the third-party client generates a credit card bill query request and sends the credit card bill query request to the third-party server. And the third-party server receives a credit card bill inquiry request sent by the third-party client, wherein the credit card bill inquiry request is used for inquiring the foreign currency bill.

And 421, when the checking function is not opened, receiving a checking function opening application sent by the third-party client, wherein the checking function opening application is used for applying to open the checking function of the foreign currency bill of the third-party client, and the checking function opening application comprises a communication number.

In the embodiment of the application, the third-party server can call the card inquiry interface to inquire whether the account number of the user is provided with the account checking function or not from the database of the third-party server. Wherein the card inquiry interface may be an wxf _ card _ query.

When the third-party server confirms that the checking function is not opened, the third-party server can return a notification message to the third-party client. The third party client can display the user identity information confirmation and supplement page.

Referring to fig. 6, fig. 6 is a schematic diagram of a user identity information confirmation and supplementary page for applying for a query function of opening a foreign currency bill provided based on the embodiment of fig. 5. In fig. 6, the user interface provides an editable input box 510, and the user can input the communication number in the input box 510. Optionally, the third party client is also able to obtain the cardholder's name, credit card number and identification number from the third party server. It should be noted that, if the third-party client displays the name, the credit card number, and the identification number of the cardholder, the third-party client may display the name, the credit card number, and the identification number by hiding part of the characters, so as to avoid the leakage of sensitive information of the user.

Alternatively, the communication number may be a mobile phone number of the user, a fixed phone number, or other communication equipment number capable of receiving the verification code.

And 422, calling a sensitive information query interface to acquire the identity card number bound by the user account.

In this embodiment, the third-party server may first invoke the authentication interface. And after the authentication interface is called, calling a sensitive information inquiry interface to acquire the identity card number bound by the user account.

Step 423, calling the sensitive information query interface to obtain the credit card number and the user name bound with the user account number from the third party server database.

In the embodiment of the application, the third-party server can call the authentication interface first. After the authentication interface is called, the name and the credit card number of the card holder are inquired in the database of the third-party server.

It should be noted that, the third-party server can perform step 422 and step 423 first, and then perform step 421, which is not limited in this embodiment of the application. If the third-party server executes step 422 and step 423 first, the third-party server will obtain the identity card number bound to the user account by calling the sensitive information query interface.

Step 424, calling the sensitive information query interface to send the bill query opening information to the financial institution server.

In the embodiment of the application, the bill inquiring and opening information comprises a communication number, an identity card number bound to a user account, a credit card number and a user name bound to the user account, and the bill inquiring and opening information is used for triggering the financial institution server to send the first verification code to the communication number when passing through the financial institution server.

In the embodiment of the application, the third-party server can call the sensitive information query interface to send the bill query opening information to the financial institution server. It should be noted that the sensitive information query interface in the third-party server can send the relevant information to the outside, so that the bill query opening information can be sent to the financial institution server. In one possible approach, the billing inquiry activation information includes a communication number, a credit card number, an identification number bound to the user account number, a credit card number, and a user name bound to the user account number. Correspondingly, when the financial institution server receives the bill inquiry opening information, the financial institution server checks whether the information corresponds to the bill inquiry opening information and is the same as the information reserved in the financial institution. When the credit card number, the identity card number bound by the user account number, the credit card number and the user name bound by the user account number correspond to each other and are the same as the information reserved in the financial institution, the financial institution server sends a verification code to the communication number.

Optionally, the financial institution server may also verify that the communication number is a reserved communication number corresponding to the credit card number. When the communication number is a reserved communication number corresponding to the credit card number, the financial institution server may transmit a first verification code to the communication number. It should be noted that the process of sending the verification code to the communication number by the financial institution server may be a process of sending a request to the communication server again, which is not described in the embodiments of the present application.

And step 425, when the second verification code sent by the third-party client is received, calling the bill inquiry interface to send the second verification code to the financial institution server.

In the embodiment of the application, the second verification code is used for triggering the financial institution server to open the account checking function of the third-party client when the second verification code is the same as the first verification code.

In the embodiment of the application, the user can input the verification code into the third-party client after receiving the verification code. In the embodiment of the application, the verification code input into the third-party client by the user is the second verification code. Correspondingly, when the third-party server receives the second verification code, the sensitive information inquiry interface is called to send the second verification code to the financial institution server. The second verification code is used for triggering the financial institution server to open the account checking function of the third-party client when the second verification code is the same as the first verification code.

It should be noted that, when the second verification code is the same as the first verification code, the financial institution server opens a bill inquiry function for the third-party client to the third-party server. Optionally, the financial institution server may also return a notification message to the billing query interface that the billing query function is enabled.

Referring to fig. 7, fig. 7 is a second verification code input interface provided based on the embodiment shown in fig. 5. In input block 610, the third party client can receive a second passcode entered by the user.

And 431, when the account checking function is opened, calling the bill inquiry interface to acquire the foreign currency bill corresponding to the credit card bill inquiry request from the financial institution server.

In the embodiment of the application, the foreign currency bill comprises the currency, exchange rate and sum of foreign currencies.

In the embodiment of the application, when the checking function is opened, the third-party server can call the bill inquiry interface to acquire the foreign currency bill corresponding to the credit card bill inquiry request from the financial institution server. It should be noted that the third-party server can directly obtain the corresponding foreign currency bill according to the card number of the credit card, and the foreign currency bill includes the currency type of the foreign currency, the exchange rate between the foreign currency and the home currency, and the sum of the foreign currency.

Step 432, the foreign currency account is sent to the third party client.

It should be noted that, after the third-party server calls the bill query interface to obtain the foreign currency bill, the bill query interface sends the foreign currency bill to the third-party client.

In one display mode of the foreign currency bill, the foreign currency bill can be displayed on a page designated in the third-party client.

In another possible display mode of the foreign currency bill, the foreign currency bill may be displayed at a display position specified by a system, such as a notification bar, a negative screen, or a floating window of a terminal logged in a third party client, which is not limited in the embodiment of the present application.

In yet another possible display of the foreign currency bill, when both the home currency bill and the foreign currency bill are included in the credit card, the third party client may display the total amount of the home currency amount that the home currency bill and the foreign currency bill should be kept.

Referring to fig. 8, fig. 8 is a schematic view of a display mode of a foreign currency bill provided based on the embodiment shown in fig. 5. In the display of FIG. 8, the 1000 dollar in the interface 710 is the total amount of the home currency amount to be returned from the home currency bill and the foreign currency bill, the 223 dollar should be returned from the home currency displayed in the display location 721 and the $ 114 should be returned from the foreign currency displayed in the display location 722. In the input box 723, the user can input the home currency repayment amount, which is 1000 yuan in this example.

And step 441, receiving the repayment amount of the home currency sent by the third-party client.

In the embodiment of the application, the third-party server can receive the repayment amount of the home currency sent by the third-party client. Since the third party client has already presented the foreign currency bill to the user in the foregoing steps. The user can input the money repayment amount desired to be paid to the financial institution. Therefore, the third party server will receive the repayment amount of the home currency sent by the third party client in the step.

Step 442, calling a repayment amount distribution interface, and calculating the amount of the foreign currency to be repacked according to the preset distribution rule and the repayment amount of the home currency.

In the embodiment of the application, the third-party server can call the repayment amount distribution interface and calculate the amount of the foreign currency to be repacked according to the preset distribution rule and the repayment amount of the home currency.

In one possible preset allocation rule, the foreign currency priority repayment rule is assigned. In the foreign currency preferential repayment rule, the repayment amount of the home currency paid by the user is to pay a foreign currency bill preferentially, and when the repayment amount of the home currency paid by the user is larger than the foreign currency amount to be repayed in the foreign currency bill, the rest home currency is used for paying the repayment amount in the home currency bill.

In another possible preset allocation rule, the allocation rule is determined according to the money repayment amount input by the user and the range of the money repayment amount. If the repayment amount of the home currency input by the user is larger than the amount of the foreign currency to be repayed, the amount of the foreign currency to be repayed is paid, and the rest of the home currency is used for paying the amount of the foreign currency to be repayed in the home currency bill. And if the repayment amount of the home currency input by the user is equal to the amount of the foreign currency to be repayed, the repayment amount of the home currency is all used for repaying the amount of the foreign currency. If the repayment amount of the home currency input by the user is smaller than the sum of the foreign currency to be restored and larger than the minimum sum of the foreign currency to be restored, the sum of the foreign currency to be restored is the minimum in the payment, and the rest sum of the foreign currency to be restored is used for repaying the bill of the home currency.

It should be noted that the preset allocation rule is not limited in this embodiment, and in practice, the rule that can be implemented is set by the financial institution. The third-party server configures the repayment amount distribution interface according to rules given by the financial institution, so that the repayment amount distribution interface intelligently distributes the repayment funds according to the repayment amount of the home currency input by the user.

And step 443, sending the foreign currency amount to be returned to the third-party client, wherein the foreign currency amount to be returned is used for being displayed in a front-end interface of the third-party client.

In the embodiment of the application, the third-party server can send the calculated amount of the foreign currency to be returned to the third-party client, and the amount of the foreign currency to be returned is used for being displayed in a front-end interface of the third-party client.

And step 451, receiving a foreign currency prepayment sheet sent by the third-party client, wherein the foreign currency prepayment sheet comprises the amount of foreign currency to be returned and the amount of home currency corresponding to the amount of the foreign currency to be returned.

In the embodiment of the application, the third-party server can receive the foreign currency prepayment list sent by the third-party client, and the foreign currency prepayment list comprises the amount of the foreign currency to be returned and the amount of the home currency corresponding to the amount of the foreign currency to be returned.

In the step, when the user sees the foreign currency amount to be paid calculated by the repayment amount distribution interface, if the user agrees to repay according to the amount, the user can click an immediate repayment button in the user interface. At the moment, the third-party client sends a foreign currency prepayment sheet to the third-party server, wherein the foreign currency prepayment sheet comprises the amount of the foreign currency to be returned and the amount of the home currency corresponding to the amount of the foreign currency to be returned.

And step 452, calling the ordering interface to send the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency type of the foreign currency and the exchange rate to the data cache server.

In the embodiment of the application, the third-party server calls the ordering interface, and sends the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency type and the exchange rate of the foreign currency to the data cache server for storage.

And step 453, calling the pre-order-placing interface to return the information of the foreign currency prepaid order to the third-party client.

In the embodiment of the application, the third-party server can call the order pre-placing interface to return the information of the foreign currency prepaid order to the third-party client. For example, the third party client, upon receiving the foreign currency prepaid form information, may display a notification page to the user that the foreign currency prepaid form is in process.

Referring to fig. 9, fig. 9 is a schematic diagram of a notification page in which a foreign currency prepaid form is being processed according to the embodiment shown in fig. 5. In fig. 9, at a display position 810, a home currency repayment amount of 1000 yuan is displayed. At display location 820, the card issuing bank with the credit card, the last four digits of the card number, and the cardholder's name are displayed. Also shown in fig. 9 is a completion control 830, and when the completion control 830 is triggered by a click, the third party client will close the notification page shown in fig. 9.

Referring to fig. 10, fig. 10 is a schematic diagram of a payment record details page provided based on the embodiment shown in fig. 5, which may be details of the payment record shown in fig. 9.

Step 461, a payment confirmation request sent by the third party client is received.

In the embodiment of the application, the third-party server can receive the payment confirmation request sent by the third-party client. This step is a payment process, the third-party server may verify the payment request by a password or other means capable of verifying the identity of the user, and when the third-party server verifies the payment request, the third-party server performs step 462.

At step 462, a bill payment notification corresponding to the confirmed payment request is sent to the third party client.

Note that the bill payment notification includes a bill payment success notification and a bill payment failure notification.

In the embodiment of the application, when the password of the user is wrong, the verification of other verification modes fails or the balance is insufficient, the third-party server sends a bill payment failure notice to the third-party client. And when the user passes the identity verification of the third-party server and the balance is larger than the money repayment amount inputted by the user, the third-party server sends a bill payment success notice to the third-party client.

In one possible implementation, steps 461 and 462 may be performed by a social application server, which may be recalled by a third party server to obtain bill payment notifications when the social application server performs

steps

461 and 462. And when the third-party server knows that the bill payment success notification is sent to the third-party client by the social application server, reading the foreign currency prepayment sheet corresponding to the bill payment success notification from the data cache server.

And step 471, storing the information of the foreign currency prepayment bill into a third party server database.

In an embodiment of the application, the third party server can store the information of the foreign currency prepayment list in a database of the third party server. It should be noted that this step may be performed after the third-party server sends a bill payment success notification to the third-party client. Since the user successfully paid for the foreign currency prepaid sheet, the third party server would arrange for subsequent information interaction with the financial institution server to complete the actual payment of the foreign currency prepaid sheet at the financial institution server. Therefore, the information of the foreign currency prepayment list is stored in the third-party server database in the step, the risk of external data loss can be resisted, and the fund security of the user is improved.

At step 472, the foreign currency prepaid sheet is read from the third party server database when the system time reaches the preset batch processing time.

In step 473, when the foreign currency prepaid sheet is not transmitted to the corresponding financial institution server, a cash-out order is transmitted to the public financial clearing server.

In the embodiment of the application, the foreign currency prepay lists are processed by the third-party server in a batch mode. For example, when the batch processing period is 1 second, the third-party server sends the foreign currency prepaid bills in the batch to the corresponding financial institution server at the beginning of each batch processing period.

For example, 8000 cash notes are included in a batch. Wherein, 5000 correspond to financial institution server A, 2000 correspond to financial institution server B, 1000 correspond to financial institution server C. The third-party server sends the 8000 cash-withdrawal tickets to the public financial clearing server in a unified way, and then the public financial clearing server sends the 8000 cash-withdrawal tickets to the corresponding financial institution servers. And after receiving the withdrawal order, the financial institution server executes repayment operation on the corresponding credit card according to the remark field of the withdrawal order.

In this embodiment, the third-party server may further send a withdrawal order to the intermediate transaction server, the intermediate transaction server sends the withdrawal order to the public financial clearing server, the public financial clearing server sends the withdrawal order to the financial institution server, and finally the financial institution server performs a repayment operation on the foreign currency prepaid sheet according to the remark field. The remark field of the cash-out bill comprises the sum of foreign currencies, the currency type and the exchange rate of the foreign currencies.

In summary, the foreign currency repayment method provided by the embodiment of the application can open the application by providing the account checking function in the third-party client, so that the user can directly check the foreign currency bill of the user in the third-party client without opening the financial client corresponding to the financial server, the operation of checking the foreign currency bill by the user is saved, and the checking efficiency of the foreign currency bill is improved.

Optionally, the embodiment of the application can also uniformly send a large number of cash-out notes in a batch processing mode. Meanwhile, the third-party server can write the foreign currency amount to be returned in the foreign currency prepayment list, the currency type and the exchange rate of the foreign currency into the cash note list in the form of remark fields, so that the transaction provided by the third-party server can meet the supervision requirement of the public financial clearing server, and can clearly instruct the financial institution server to execute foreign currency repayment operation, and therefore the effect that a user directly checks the foreign currency bill and pays the foreign currency bill of the credit card by one key by using a third-party client is achieved.

Referring to fig. 11, fig. 11 is a schematic view of a data sharing system where a third-party server is located according to an embodiment of the present disclosure. The third party server 210 acts as a node in the data sharing system 1100. The data sharing system 1100 is a system for performing data sharing between nodes, and the data sharing system may include other nodes 1101 in addition to the third-party server 210, and the other nodes 1101 may refer to respective clients in the data sharing system. In the present embodiment, the meaning of each node is a node that includes node 1101 and third party server 210.

Each node may receive input information while operating normally and maintain shared data within the data sharing system based on the received input information. In order to ensure information intercommunication in the data sharing system, information connection can exist between each node in the data sharing system, and information transmission can be carried out between the nodes through the information connection. For example, when an arbitrary node in the data sharing system receives input information, other nodes in the data sharing system acquire the input information according to a consensus algorithm, and store the input information as data in shared data, so that the data stored on all the nodes in the data sharing system are consistent.

Each node in the data sharing system has a node identifier corresponding thereto, and each node in the data sharing system may store a node identifier of another node in the data sharing system, so that the generated block is broadcast to the other node in the data sharing system according to the node identifier of the other node in the following. Each node may maintain a node identifier list as shown in the following table, and store the node name and the node identifier in the node identifier list correspondingly. The node identifier may be an IP (Internet Protocol) address and any other information that can be used to identify the node, and table 1 only illustrates the IP address as an example.

TABLE 1

Node name	Node identification
		Node 1	117.114.152.104
Node 2	117.116.189.115
		…	…
Node n	119.143.739.218

Each node in the data sharing system stores one identical blockchain. The block chain is composed of a plurality of blocks, as shown in fig. 12, the block chain is composed of a plurality of blocks, the starting block includes a block header and a block main body, the block header stores an input information characteristic value, a version number, a timestamp and a difficulty value, and the block main body stores input information; the next block of the starting block takes the starting block as a parent block, the next block also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block, the block head characteristic value of the parent block, the version number, the timestamp and the difficulty value, and the like, so that the block data stored in each block in the block chain is associated with the block data stored in the parent block, and the safety of the input information in the block is ensured.

When each block in the block chain is generated, referring to fig. 13, when the node where the block chain is located receives the input information, the input information is verified, after the verification is completed, the input information is stored in the memory pool, and the hash tree for recording the input information is updated; and then, updating the updating time stamp to the time when the input information is received, trying different random numbers, and calculating the characteristic value for multiple times, so that the calculated characteristic value can meet the following formula:

SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))<TARGET

wherein, SHA256 is a characteristic value algorithm used for calculating a characteristic value; version is version information of the relevant block protocol in the block chain; prev _ hash is a block head characteristic value of a parent block of the current block; merkle _ root is a characteristic value of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, is a fixed value within a period of time, and is determined again after exceeding a fixed time period; x is a random number; TARGET is a feature threshold, which can be determined from nbits.

Therefore, when the random number meeting the formula is obtained through calculation, the information can be correspondingly stored, and the block head and the block main body are generated to obtain the current block. And then, the node where the block chain is located respectively sends the newly generated blocks to other nodes in the data sharing system where the newly generated blocks are located according to the node identifications of the other nodes in the data sharing system, the newly generated blocks are verified by the other nodes, and the newly generated blocks are added to the block chain stored in the newly generated blocks after the verification is completed.

In the embodiment of the present application, the third party server 210 may store the information of the foreign currency prepaid bills in the form of a blockchain in the third party server database. The step of transmitting a withdrawal slip to the public financial clearing server when the foreign currency prepaid slip is not transmitted to the corresponding financial organ server is performed, including: storing the information of the foreign currency prepayment list into a third-party server database in a block chain mode; meanwhile, in the data sharing system where the third-party server 210 is located, the blockchain storing the information of the foreign currency prepaid bills is updated synchronously; when the system time reaches the preset batch processing time, reading a foreign currency prepayment list from a third-party server database; when the foreign currency prepaid sheet is not transmitted to the corresponding financial institution server, the third party server transmits a withdrawal order to the public financial clearing server.

The following are embodiments of the apparatus of the present application that may be used to perform embodiments of the method of the present application. For details which are not disclosed in the embodiments of the apparatus of the present application, reference is made to the embodiments of the method of the present application.

Referring to fig. 14, fig. 14 is a block diagram illustrating a foreign currency payment apparatus according to an exemplary embodiment of the present application. The foreign currency payment device can be implemented as all or part of a third party server through software, hardware or a combination of both. The device includes:

a prepaid bill reading module 1410, configured to, when a bill payment success notification is sent to the third-party client, read a foreign currency prepaid bill corresponding to the bill payment success notification from the data cache server;

a statement sending module 1420, configured to send a statement to a public financial clearing server when the foreign currency prepaid statement is not sent to a corresponding financial institution server, where a remark field of the statement includes an amount of foreign currency to be returned, a currency type of the foreign currency and an exchange rate, and the statement is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to perform a repayment operation on the foreign currency prepaid statement according to the remark field.

In an optional embodiment, the device further comprises an application receiving module, an identification number inquiry module, a credit card information inquiry module, a first sending module and a verification code receiving module. The application receiving module is used for receiving an account checking function opening application sent by the third-party client, the account checking function opening application is used for applying to open an account checking function of the foreign currency bill of the third-party client, and the account checking function opening application comprises a communication number; the identity card number query module is used for calling a sensitive information query interface to acquire the identity card number bound by the user account; the credit card information inquiry module is used for calling a sensitive information inquiry interface to acquire a credit card number and a user name bound with the user account number from a third-party server database; the first sending module is used for calling a sensitive information query interface to send bill query opening information to a financial institution server, wherein the bill query opening information comprises the communication number, the identity card number bound by the user account number, the credit card number and the user name bound by the user account number, and the bill query opening information is used for triggering the financial institution server to send a first verification code to the communication number when the bill query opening information passes through the financial institution server; the verification code receiving module is used for calling a bill inquiry interface to send a second verification code to the financial institution server when the second verification code sent by the third-party client is received, and the second verification code is used for triggering the financial institution server to open an account checking function of the third-party client when the second verification code is the same as the first verification code.

In an optional embodiment, the device further comprises an account checking request receiving module, a foreign currency bill acquiring module and a second sending module. The checking request receiving module is used for receiving a credit card bill inquiry request sent by the third-party client, wherein the credit card bill inquiry request is used for inquiring a foreign currency bill; the foreign currency bill acquisition module is used for calling a bill inquiry interface to acquire a foreign currency bill corresponding to the credit card bill inquiry request from the financial institution server when the account checking function is opened, wherein the foreign currency bill comprises the currency, the exchange rate and the sum of foreign currencies; and the second sending module is used for sending the foreign currency bill to the third-party client.

In an optional embodiment, the device further comprises an amount receiving module, a foreign currency amount calculating module and a third sending module. And the money receiving module is used for receiving the repayment amount of the home currency sent by the third party client. And the foreign currency amount calculation module is used for calling a repayment amount distribution interface and calculating the amount of foreign currency to be repacked according to a preset distribution rule and the repayment amount of the home currency. And the third sending module is used for sending the foreign currency amount to be returned to the third-party client, and the foreign currency amount to be returned is used for being displayed in a front-end interface of the third-party client.

In an alternative embodiment, the apparatus further comprises a prepaid sheet receiving module, a fourth transmitting module, and a prepaid sheet returning module. The prepayment bill receiving module is used for receiving a foreign currency prepayment bill sent by the third party client, and the foreign currency prepayment bill comprises the sum of foreign currencies to be returned and the sum of local currencies corresponding to the sum of foreign currencies to be returned; the fourth sending module is used for calling a pre-ordering interface to send the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency type of the foreign currency and the exchange rate to the data cache server; and the prepayment sheet returning module is used for calling the prepayment sheet placing interface to return the information of the foreign currency prepayment sheet to the third-party client.

In an alternative embodiment, the statement sending module 1420 is configured to store the information of the foreign currency prepaid form in the form of a block chain in the third party server database; reading the foreign currency prepayment list from the third-party server database when the system time reaches the preset batch processing time; and when the foreign currency prepaid sheet is not transmitted to the corresponding financial institution server, transmitting the cash-out sheet to the public financial clearing server, wherein the third party server is a node in the data sharing system, and the third party server database stores the information of the foreign currency prepaid sheet in the form of a block chain.

To sum up, the foreign currency repayment device that this application embodiment provided can open the application through providing the function of checking account in the third party customer end for the user can directly look over the foreign currency bill of oneself in the third party customer end, and need not to open the financial client that financial server corresponds, has saved the operation that the user looked over the foreign currency bill, has improved the efficiency of looking over of foreign currency bill.

The embodiment of the present application further provides a computer-readable medium, which stores at least one instruction, and the at least one instruction is loaded and executed by the processor to implement the foreign currency payment method according to the above embodiments.

It should be noted that: in the foreign currency payment apparatus provided in the above embodiment, when executing the foreign currency payment method, only the division of the above functional modules is exemplified, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the above described functions. In addition, the foreign currency repayment device provided by the embodiment and the foreign currency repayment method embodiment belong to the same concept, and the specific implementation process is described in the method embodiment and is not described again.

The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only exemplary of the implementation of the present application and is not intended to limit the present application, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A foreign currency repayment system is characterized by comprising a third-party server, a data cache server, a public financial clearing server and a financial institution server;

2. A foreign currency repayment method is applied to a third-party server and comprises the following steps:

3. The method of claim 2, further comprising:

receiving an account checking function opening application sent by the third-party client, wherein the account checking function opening application is used for applying for opening an account checking function of the foreign currency bill of the third-party client, and the account checking function opening application comprises a communication number;

calling a sensitive information query interface to obtain an identity card number bound by a user account;

calling a sensitive information query interface to acquire a credit card number and a user name bound with the user account number from a third-party server database;

calling a sensitive information query interface to send bill query opening information to a financial institution server, wherein the bill query opening information comprises the communication number, the identity number bound by the user account number, the credit card number and the user name bound by the user account number, and the bill query opening information is used for triggering the financial institution server to send a first verification code to the communication number when passing through the financial institution server;

and when a second verification code sent by the third-party client is received, calling a bill inquiry interface to send the second verification code to the financial institution server, wherein the second verification code is used for triggering the financial institution server to open the account checking function of the third-party client when the second verification code is the same as the first verification code.

4. The method of claim 3, further comprising:

receiving a credit card bill inquiry request sent by the third-party client, wherein the credit card bill inquiry request is used for inquiring a foreign currency bill;

when the checking function is opened, calling a bill inquiry interface to acquire a foreign currency bill corresponding to the credit card bill inquiry request from the financial institution server, wherein the foreign currency bill comprises the currency, exchange rate and refund foreign currency amount of the foreign currency;

and sending the foreign currency bill to the third-party client.

5. The method of claim 4, further comprising:

receiving the repayment amount of the home currency sent by the third-party client;

calling a repayment amount distribution interface, and calculating the amount of the foreign currency to be repacked according to a preset distribution rule and the repayment amount of the home currency;

and sending the foreign currency amount to be returned to the third-party client, wherein the foreign currency amount to be returned is used for being displayed in a front-end interface of the third-party client.

6. The method of claim 5, further comprising:

receiving a foreign currency prepayment sheet sent by the third-party client, wherein the foreign currency prepayment sheet comprises the sum of foreign currencies to be returned and the sum of home currencies corresponding to the sum of foreign currencies to be returned;

calling a pre-ordering interface to send the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency type of the foreign currency and the exchange rate to the data cache server;

and calling the pre-order-placing interface to return the information of the foreign currency prepaid order to the third-party client.

7. The method of claim 6, wherein the third party server is a node in a data sharing system, the third party server database stores information of the foreign currency prepaid sheets in the form of a blockchain, and the sending of the statement to a public financial clearing server when the foreign currency prepaid sheets are not sent to a corresponding financial institution server comprises:

storing the information of the foreign currency prepayment list into the third-party server database in a block chain mode;

reading the foreign currency prepayment list from the third-party server database when the system time reaches the preset batch processing time;

transmitting the withdrawal statement to the public financial clearing server when the foreign currency prepaid sheet is not transmitted to the corresponding financial institution server.

8. A foreign currency repayment device is applied to a third-party server and comprises:

9. A server, comprising a processor, a memory coupled to the processor, and program instructions stored on the memory, the processor, when executing the program instructions, implementing a foreign currency payment method according to any one of claims 2 to 7.

10. A computer readable storage medium having stored thereon program instructions which, when executed by a processor, carry out a method of paying for a foreign currency according to any one of claims 2 to 7.