CN111523870A

CN111523870A - Order data processing method and device and computer equipment

Info

Publication number: CN111523870A
Application number: CN201910105313.6A
Authority: CN
Inventors: 陈建玮; 林骅; 王健; 段卓; 翟晨; 谯杨; 郭凯; 刘巍; 徐鼎杰; 杨博林; 凌威龙; 杨普; 潘俊俊
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2019-02-01
Filing date: 2019-02-01
Publication date: 2020-08-11
Anticipated expiration: 2039-02-01
Also published as: CN111523870B

Abstract

The application discloses a method and a device for processing order data and computer equipment. Wherein, the method comprises the following steps: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Description

Order data processing method and device and computer equipment

Technical Field

The application relates to the field of electronic payment, in particular to a method and a device for processing order data and computer equipment.

Background

At present, for cross-border e-commerce, when cross-border transaction is carried out, the cross-border e-commerce is usually remitted to a personal bank account of a buyer according to an off-line purchasing bill, then the personal bank account is recharged to a third party payment platform, and commodity purchasing is carried out based on the third party payment platform. In the purchasing process, from the settlement to the personal bank account and then waiting to finally recharge to the third-party payment platform, a relatively long time is often occupied, for example, 3-5 days are occupied, so that the time of cross-border transaction is increased, and meanwhile, errors are prone to occur due to manual operations involved in the purchasing process.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the application provides a method and a device for processing order data and computer equipment, and aims to at least solve the technical problems that cross-border transaction time is long, human errors are prone to occurring and the like in the related technology.

According to an aspect of an embodiment of the present application, there is provided a method for processing order data, including: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

According to another aspect of the embodiments of the present application, there is provided another method for processing order data, including: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; and carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

According to another aspect of the embodiments of the present application, there is also provided a computer device for providing a human-machine interface, where the human-machine interface includes: the first control is used for displaying available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is the amount of fund types supported by a second account different from the fund types supported by the first account; the second control is used for displaying the order amount corresponding to the to-be-issued order and the order information corresponding to the to-be-issued order; the third control is used for sending the order information corresponding to the to-be-sent order to the first account when the sum of the order is smaller than the available amount and the third control is triggered; the fourth control is used for receiving a confirmation instruction of a user, wherein the confirmation instruction is used for triggering generation of confirmation information of the first account, and the confirmation information is used for indicating that the commodity corresponding to the order information is received; and the fifth control is used for displaying the target amount obtained after the settlement processing is carried out on the order amount after the confirmation information is received.

According to another aspect of the embodiments of the present application, there is also provided an order data processing apparatus, including: the first determining module is used for determining available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is the amount of fund types supported by a second account different from the fund types supported by the first account; the second determining module is used for determining the amount of the order corresponding to the to-be-issued order; the sending module is used for sending the order information corresponding to the to-be-sent order to the first account when the order amount is smaller than the available amount; the receiving module is used for receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and the settlement payment module is used for performing settlement processing on the order amount after receiving the confirmation information to obtain a target amount and sending the target amount to the second account.

According to another aspect of the embodiments of the present application, there is also provided an order data processing apparatus, including: a third determining module, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account that is different from a fund type supported by the first account; the fourth determining module is used for determining the amount of the order corresponding to the to-be-issued order; the sending module is used for sending the order information corresponding to the to-be-sent order to the first account when the order amount is smaller than the available amount; and the settlement payment module is used for performing settlement processing on the order amount to obtain a target amount and sending the target amount to the second account.

According to another aspect of the embodiments of the present application, there is also provided a computer device, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method for processing order data as described above when executing the computer program.

According to still another aspect of an embodiment of the present application, there is also provided a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps in the processing method of order data described above.

The embodiment of the application also provides a method for processing order data, which comprises the following steps: obtaining remittance amount received by a third party payment platform from the third party payment platform, wherein the remittance amount is the amount corresponding to the first currency type; determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to a second currency type; and paying the order based on the available amount, and sending order information formed after payment is completed to the third-party payment platform, wherein the third-party payment platform is used for carrying out settlement processing based on the order information.

An embodiment of the present application further provides an apparatus for processing order data, where the apparatus includes: the receiving module is used for acquiring remittance amount received by the third party payment platform from the third party payment platform, wherein the remittance amount is the amount corresponding to the first currency type; the determining module is used for determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is the amount corresponding to the second currency type; and the payment module is used for paying the order based on the available amount and sending the order information formed after the payment is finished to the third-party payment platform, wherein the third-party payment platform is used for carrying out settlement processing based on the order information.

In the embodiment of the application, the available amount is determined based on the remittance amount and the remittance rate, the order information is sent to the first account when the order amount is smaller than the available amount, the remittance processing is carried out after the confirmation information for indicating that the commodity is received, and the obtained target amount is sent to the second account. The fund can be purchased based on available amount when in the state of being held for remittance, and the processes of waiting for remittance, recharging and the like are omitted, so that the cross-border transaction time can be saved, and the process can be automatically realized, thereby further avoiding the errors caused by human factors, and further solving the technical problems of long cross-border transaction time, easy human errors and the like in the related technology.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

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

FIG. 2 is a flow chart of a method of processing order data according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative cross-border transaction flow according to an embodiment of the present application;

FIG. 4 is a schematic illustration of a flow of funds in an alternative cross-border transaction flow according to an embodiment of the present application;

FIG. 5 is a flow chart of another method of processing order data according to an embodiment of the present application;

FIG. 6 is a schematic illustration of an alternative human-machine interface according to an embodiment of the application;

fig. 7 is a block diagram of a configuration of an order data processing apparatus according to an embodiment of the present application;

fig. 8 is a block diagram of another order data processing apparatus according to an embodiment of the present application;

FIG. 9 is a flow chart of another method of processing order data according to an embodiment of the present application;

FIG. 10 is a flow chart of an alternative method of processing order data according to an embodiment of the present application;

fig. 11 is a block diagram of another order data processing apparatus according to an embodiment of the present application.

Detailed Description

In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all 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 application.

It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, 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.

First, some terms or terms appearing in the description of the embodiments of the present application are applicable to the following explanations:

converging: and the enterprise or the individual can settle the buying foreign exchange and selling the foreign exchange according to the exchange rate.

A cross-border transaction platform: based on the financial platform architecture, the platform and the attached system thereof can provide remittance, settlement, internal payment and internal trade financial services for cross-border businesses.

The payment platform comprises: an identity card authorization interface and a provider of identity card data.

A pay account: the payment system comprises an external remittance fund and a fund preparation account, and the third-party payment company is restricted by the external bureau of foreign exchange settlement and the central bureau of third-party fund preparation account management terms according to the domestic bank payment accounts established by the external bureau and the central bureau.

Cross-border buyers: in the embodiment of the application, is a domestic buyer legal entity.

Refund after sale: funds have been cleared to the seller's account of the payment platform.

Confirming refund before receiving: and confirming the refund before receiving the goods, wherein the external remittance partner has control right on the fund, and the refund can be processed through rolling difference.

And (5) confirming refund after receiving: funds have arrived at the seller's payment platform's account and the funds management and control are not external to the remittance partner.

The current cross-border transaction business process may include the architecture of one physical controller, both off-shore and on-shore corporate entities. Offshore companies are responsible for shop sales at overseas e-commerce platforms; the shore company is used as a purchasing entity and is responsible for the domestic purchase of the goods source (i.e. domestic purchase platform). The offshore company is corresponding to an offshore account, the onshore company is corresponding to an onshore account, and the offshore account and the onshore account realize transaction settlement and the like of the order through a cross-border transaction platform. In the transaction process, processes of waiting for a remittance, recharging an account and the like are involved, the processing time required by the process is long, and manual operation is involved, so that errors such as mismatching of remittance vouchers and actual transactions are prone to occur.

To solve the above problems, the following detailed description is given with reference to specific embodiments of the present application.

Example 1

In the embodiment of the application, the offshore account and the onshore account determine an available limit which can be used by the cross-border transaction platform through the cross-border transaction platform by using the exchange rate and the remittance amount of the buyer; when a buyer corresponding to an offshore account (such as a first account) places an order, comparing the amount of the order with the available amount, and when the amount of the order is smaller than the available amount, allowing the order information to be generated; then sending the order information to an offshore account; after receiving the commodity, the user on the offshore account side confirms the receiving of the commodity; and feeding back confirmation information for confirming the receipt to the cross-border trading platform; and after receiving the confirmation information, the cross-border transaction platform performs settlement processing on the amount of the order, and recharges the target amount obtained after settlement processing to an onshore account (such as a second account), so that the cross-border transaction process is completed. Because the whole transaction process is mainly completed on line, waiting time does not need to be wasted in the processes of settlement, remittance, recharge and the like, and purchasing can be directly carried out based on available amount, the time of on-line operation is saved, and errors caused by manual operation can be avoided. Meanwhile, based on the cross-border transaction process, the correlation of three-section split services of overseas remittance, cross-border remittance and domestic payment (Payment treasures) can be realized, the exchange rate loss of cross-border e-commerce can be reduced, and the purchase fund turnover rate is improved.

Based on the foregoing principles, in accordance with an embodiment of the present application, there is provided an embodiment of a method for processing order data, wherein it is noted that the steps illustrated in the flowchart of the drawings may be performed in a computer system such as a set of computer-executable instructions, and that while a logical order is illustrated in the flowchart, in some cases the steps illustrated or described may be performed in an order different than presented herein.

The method provided by the first embodiment of the present application may be executed in a mobile terminal, a computer device, or a similar computing device. Fig. 1 shows a hardware configuration block diagram of a computer device (or mobile device) for implementing a processing method of order data. As shown in fig. 1, computer device 10 (or mobile device 10) may include one or more (shown as 102a, 102b, … …, 102 n) processors 102 (processor 102 may include, but is not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, etc.), memory 104 for storing data, and a transmission module 106 for communication functions. Besides, the method can also comprise the following steps: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power source, and/or a camera. It will be understood by those skilled in the art that the structure shown in fig. 1 is only an illustration and is not intended to limit the structure of the electronic device. For example, computer device 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

It should be noted that the one or more processors 102 and/or other data processing circuitry described above may be referred to generally herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part in software, hardware, firmware, or any combination thereof. Further, the data processing circuitry may be a single, stand-alone processing module, or incorporated in whole or in part into any of the other elements in the computer device 10 (or mobile device). As referred to in the embodiments of the application, the data processing circuit acts as a processor control (e.g. selection of a variable resistance termination path connected to the interface).

The memory 104 may be used to store software programs and modules of application software, such as program instructions/data storage devices corresponding to the () method in the embodiment of the present application, and the processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implementing the vulnerability detection method of the application program. The memory 104 may include high speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory located remotely from processor 102, which may be connected to computer device 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device 106 is used for receiving or transmitting data via a network. Specific examples of such networks may include wireless networks provided by the communications provider of computer device 10. In one example, the transmission device 106 includes a Network adapter (NIC) that can be connected to other Network devices through a base station to communicate with the internet. In one example, the transmission device 106 can be a Radio Frequency (RF) module, which is used to communicate with the internet in a wireless manner.

The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the computer device 10 (or mobile device).

Under the operating environment, the application provides a processing method of order data as shown in fig. 2. Fig. 2 is a flowchart of a processing method of order data according to an embodiment of the present application. As shown in fig. 2, the method comprises the following processing steps:

step S202, determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

step S204, determining the amount of the order corresponding to the to-be-issued order;

step S206, when the amount of the order is less than the available amount, sending order information corresponding to the to-be-issued order to the first account;

step S208, receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

and step S210, after the confirmation information is received, carrying out settlement processing on the order amount to obtain the target amount, and sending the target amount to the second account.

Based on the processes of steps S202-S210, the embodiment of the present application can directly perform purchasing based on available amount without wasting waiting time in the processes of settlement, remittance, recharge, etc., thereby saving time for online operation and avoiding errors caused by manual operation.

In some embodiments of the present application, step S202 may determine the available credit by: receiving a remittance amount; determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as an available amount.

For example, an overseas company remits money to a third party payment company interfaced in the cross-border transaction platform, e.g., 10 million dollars; the third party payment company estimates a RMB limit (for example, 60 ten thousand RMB) based on the received remittance amount and the current remittance rate, and notifies the buyer user of the account registered in the domestic trade electronic commerce platform of the RMB limit.

When determining the estimated amount, various methods can be adopted:

for example, the pre-estimated amount may be determined according to a preset deduction ratio and the remittance amount, where the preset deduction ratio may be determined by the remitter according to the current actual remittance rate, and certainly, if the remitter or the cross-border transaction platform charges a certain service fee, the preset deduction ratio may also be determined based on the current actual remittance rate and the service fee, for example, the remittance amount is a, the current actual remittance rate is B, and the service fee is determined based on the preset ratio C of the remittance amount, where the preset deduction ratio may be: b + C, and in this case, the estimated credit D ═ a (B + C).

For another example, the preset quota may be determined by machine learning, and in this case, the following process may be performed: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree on the exchange rate; inputting the characteristic data group into a learning model for analysis to obtain a convergence difference, wherein the learning model is obtained by training a plurality of groups of data, and each group of data in the plurality of groups of data comprises: sample characteristic data and a convergence corresponding to the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the pre-estimated limit according to the target deduction proportion and the remittance amount.

The characteristic data may be a weight of a factor, or a weight corresponding to each data in a group of data, where each data in the group of data includes an influence factor influencing the exchange rate and a weight corresponding to the influence factor. Such influencing factors include, but are not limited to: policy impact factors, market supply and demand, central line intervention, speculative activities, economic impact factors of the country where the currency is located. The weight corresponding to the above-mentioned influencing factors can be determined according to the mapping relationship, that is, each influencing factor corresponds to a weight.

In some optional embodiments of the application, when the order amount is subject to the settlement processing, when only one settlement party exists, the order amount can be directly subject to the settlement processing according to the settlement rate provided by the settlement party; when a plurality of junction parties exist, a target junction party can be selected from the plurality of junction parties according to a preset rule for junction processing, wherein the preset rule comprises the following steps: and selecting the junction party with the highest provided exchange rate. When a plurality of target junction parties are selected, the order amount can be divided into a plurality of sub-amounts, and different sub-amounts are subjected to junction processing according to the junction rates provided by different target junction parties.

After the settlement processing is performed on the order amount, the order corresponding to the order amount is determined according to the available amount, and the available amount is limited, so after the settlement is completed, the order amount is deducted from the available amount to update the available amount, and thus, the buyer can be prevented from generating the order without limit and exceeding the fund bearing capacity of the buyer, and the transaction risk is avoided.

Taking the order placement of the e-commerce platform as an example, the following procedure of placing an order, paying and confirming the receipt is described:

step 1: the domestic main body B (such as a first account) places an order on the E-commerce platform, and if the available amount exists, the payment method corresponding to the available amount is used for completing payment for placing the order; meanwhile, after placing an order, the e-commerce platform synchronizes the order information to a third party payment platform for providing the settlement service so as to make settlement declaration to the outer bureau.

Step 2: the seller delivers the goods;

and step 3: after an domestic subject B (such as a first account) receives goods, the e-commerce platform requests a third party payment platform to carry out settlement after receiving a [ confirm goods receiving ] control clicked by a user on the e-commerce platform;

and 4, step 4: and after receiving the request, the third-party payment platform carries out remittance, and adds the target sum obtained after remittance to a collection account (such as a second account) opened by the seller in an online bank.

Because the exchange rate is variable, after the order amount is remitted to obtain the target amount, the exchange rate may be different from the exchange rate when determining the available amount, and at this time, the remittance difference needs to be determined to avoid causing a loss to the buyer, specifically: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; acquiring a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available amount according to the target convergence difference. Wherein, available quota can be adjusted through the following modes: when the target sink difference is larger than 0, reducing the available amount according to the target sink difference; when the target sink difference is less than 0, increasing the available amount according to the target sink difference; when the target sink difference is equal to 0, the available quota is kept unchanged.

For example, when the remittance is concluded, the user may be given more balance of the currency type supported by the second account due to the difference change, and the more balance is added to the available amount for the next order placement by the user.

In order to further improve the user experience, order information, available quota, and the like may be displayed in the same interface, specifically: and displaying order information, a specified control (such as a confirmation receipt button in the interface) and available quota in a preset man-machine interface, wherein the specified control generates confirmation information when being triggered.

In some optional embodiments of the present application, the first account is an off-shore account, and the second account is an on-shore account; alternatively, the first account is an on-shore account and the second account is an off-shore account. Cross border transaction flows may be implemented based on off shore accounts and on shore accounts.

For better understanding of the embodiment of the present application, the cross-border transaction process is described in detail below with reference to fig. 3, and as shown in fig. 3, the process mainly includes three main processes: 1. a buyer service opening process; 2. recharging and remitting; 3. e-commerce platform transaction flow (including payment/confirmation of receipt and refund). The main roles involved include: overseas purchasing company main bodies, domestic e-commerce platform agent purchasers (e-commerce platform buyers), e-commerce platform sellers, third-party payment platforms and cooperative banks of the third-party payment platforms. The following details the 3 main processes described above:

scheme 1: buyer provisioning service

Step 1: the overseas company main body A and the domestic company main body B sign an agency purchase protocol on a third party payment platform and agree with a buyer account ID for purchasing on the e-commerce platform;

step 2: and the domestic company main body B uses the appointed e-commerce platform account number to open a cross-border transaction protocol on the e-commerce platform, and the e-commerce platform and the third party payment platform are marked with data to finish the opening.

And (2) a flow scheme: foreign exchange recharge

Precondition: the e-commerce platform account number finishes opening and using cross-border transaction platform service;

step 1: the overseas company remits 10W dollars to a third party payment company (third party payment platform);

step 2: after receiving the 10W dollar, the third party payment platform estimates the 60W RMB limit (deduction cost and remittance difference) and informs the e-commerce platform;

and step 3: after receiving the notice of the third-party payment platform, the e-commerce platform recharges the account number (equivalent to the first account) of the e-commerce platform of the domestic subject with 60W RMB which can be used for placing an order for payment;

and (3) a flow path: order payment and confirmation of receipt

Step 1: the domestic main body B places an order on the E-commerce platform, and if the cross-border treasure amount exists, the cross-border treasure payment mode is used to complete order payment; meanwhile, after placing an order, the e-commerce platform synchronizes order information to a third-party payment platform for settlement declaration of the out-of-tube bureau

Step 2: the seller delivers the goods;

and step 3: after the domestic subject B receives the goods, the e-commerce platform requests a third party payment platform to settle the money after clicking the e-commerce platform (confirming the goods receiving).

And 4, step 4: and after receiving the request, the third-party payment company carries out remittance, and pays the remitted money to a collection account (equivalent to a second account) opened by the seller in an online bank.

In addition, when the remittance is adjusted, the balance of the RMB may be added to the balance of the user payable account of the e-commerce platform due to the change of the remittance difference, so that the user can make a next order for use.

And (4) a flow chart: and (6) refunding.

After the refund in sale, the refund amount is returned to the account to be used (equivalent to the first account) on the e-commerce platform for the next payment of the user. And (4) refunding the seller to a payment account adopted by the E-commerce platform buyer in the transaction.

In addition, in order to better explain the fund flow direction in the embodiment of the present application, the following description is made in detail with reference to fig. 4. As shown in fig. 4, the fund flow is divided into two branch flows: the corresponding flow of forward amount payment and the corresponding flow of reverse refund, wherein, the corresponding flow of forward amount payment includes: foreign exchange accounts of offshore companies and buyer placing orders based on the amount; the third party payment platform settles; the seller collects the money from the online bank account; and carrying out cash withdrawal operation on the online bank account of the seller. The corresponding flow of the reverse refund comprises the following steps: scheme A: before receiving the goods (i.e. the goods are in the state of sale). The buyer sends a refund; carrying out netting processing by a third party payment company; and (6) refund clearing. And (B) a process: after confirmation of receipt, funds are transferred directly between the purchaser's account and the seller's account.

Based on the above scheme provided by the embodiment of the application, since the order generated by the transaction platform (e.g. e-commerce platform) can be used as the settlement voucher, the problem that the settlement voucher is mismatched with the actual transaction can be regulated, and the settlement money can be directly paid to the seller account of the transaction platform, so that the fund flow is clear and safely controllable. In addition, because the fund can be purchased according to the available amount when entering the account to be settled, the processes of settlement, remittance recharging and the like do not need to be waited, and the automation degree of the whole payment process is higher, the online operation is not needed; because of no limit, the problem of large payment can be solved, namely the settlement can be directly paid to the account of the seller.

It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

Through the above description of the embodiments, those skilled in the art can clearly understand that the method according to the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but the former is a better implementation mode in many cases. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present application.

Example 2

An embodiment of the present application further provides another method for processing order data, as shown in fig. 5, the method includes the following processing steps:

step S502, determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

in some embodiments of the present application, determining the available credit corresponding to the first account may be determined by: receiving a remittance amount; determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as an available amount.

The pre-estimated amount can be determined according to a preset deduction ratio and a remittance amount, and the preset deduction ratio can be determined by the remitter according to the current actual remittance rate.

Step S504, determining the amount of the order corresponding to the to-be-issued order;

step S506, when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account;

and step S508, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Based on the above scheme provided by the embodiment of the present application, compared with the scheme provided by embodiment 1, the settlement payment can be performed after the receipt is not confirmed, and the settlement payment can be performed after the order is generated. In this way, transaction time may be further saved.

For a preferred implementation of this embodiment, reference may be made to the description in embodiment 1, and details are not described here.

Example 3

The embodiment provides a computer device, which is used for providing a human-machine interface, as shown in fig. 6, the human-machine interface 6 includes:

a first control 60 for displaying available amount corresponding to the first account, wherein the available amount is determined according to the remittance amount and the remittance rate received, and the available amount is the amount of the fund type supported by the second account different from the fund type supported by the first account;

the second control 62 is configured to display an order amount corresponding to the to-be-issued order and order information corresponding to the to-be-issued order;

a third control part 64, configured to send order information corresponding to the to-be-issued order to the first account when the sum of the order is less than the available amount and the third control part is triggered;

a fourth control 66, configured to receive a confirmation instruction of the user, where the confirmation instruction is used to trigger generation of confirmation information of the first account, and the confirmation information is used to indicate that the commodity corresponding to the order information has been received;

and a fifth control 68, configured to display the target amount obtained after the order amount is settled after the confirmation information is received.

In some embodiments of the present application, the first control 60, the second control 62, the third control 64, the fourth control 66 and the fifth control 68 in the human-machine interface are located in the same interface, for example, may be displayed in an order detail management interface in which at least one of the following is shown: commodity information, order amount, order state, control for confirming receipt and the like corresponding to available limit and order information

Additionally, in some embodiments of the present application, the computer device (or mobile device) shown in fig. 6 above has a touch display (also referred to as a "touch screen" or "touch display screen"). In some embodiments, the computer device shown in fig. 6 has a Graphical User Interface (GUI) as described above, and a user can interact with the GUI by touching finger contacts and/or gestures on the touch-sensitive surface, where the human-machine interaction function optionally includes the following interactions: displaying the controls; executable instructions for creating web pages, drawing, word processing, making electronic documents, games, video conferencing, instant messaging, emailing, call interfacing, playing digital video, playing digital music, and/or web browsing, etc., for performing the above-described human-computer interaction functions, are configured/stored in one or more processor-executable computer program products or readable storage media.

Example 4

An embodiment of the present application further provides an apparatus for processing order data, where the apparatus is used to implement the method for processing order data described in embodiment 1, and as shown in fig. 7, the apparatus includes:

a first determining module 70, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

a second determining module 72, configured to determine an order amount corresponding to the to-be-issued order;

the sending module 74 is configured to send order information corresponding to the to-be-sent order to the first account when the amount of the order is less than the available amount;

a receiving module 76, configured to receive confirmation information from the first account, where the confirmation information is used to indicate that the commodity corresponding to the order information has been received;

and the settlement payment module 78 is configured to, after receiving the confirmation message, perform settlement processing on the order amount to obtain a target amount, and send the target amount to the second account.

Based on the functions realized by the modules, the embodiment of the application can directly carry out purchasing based on available amount without wasting waiting time in the processes of settlement, remittance, recharging and the like, thereby saving the time of on-line operation and avoiding errors caused by manual operation.

In some embodiments of the present application, the first determination module 72 may determine the available credit by: receiving a remittance amount; determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as an available amount.

When determining the estimated amount, various methods can be adopted:

In some optional embodiments of the application, when the order amount is subject to the settlement processing, when only one settlement party exists, the order amount can be directly subject to the settlement processing according to the settlement rate provided by the settlement party; when there are multiple junction parties, the junction payment module 78 in the processing apparatus of the order data may be further configured to select a target junction party from the multiple junction parties according to a preset rule for junction processing, where the preset rule includes: and selecting the junction party with the highest provided exchange rate. When a plurality of target junction parties are selected, the order amount can be divided into a plurality of sub-amounts, and different sub-amounts are subjected to junction processing according to the junction rates provided by different target junction parties.

After the settlement processing is performed on the order amount, since the order corresponding to the order amount is determined according to the available amount, and the available amount is limited, after the settlement is completed, the available amount is deducted from the order amount to update the available amount, and therefore, the processing device for the order data may further include: and the updating module is used for deducting the amount of the order from the available amount to obtain an updated available amount. Therefore, the buyer can be prevented from generating the order without limit and exceeding the fund bearing capacity of the buyer, and the transaction risk is avoided.

Since the exchange rate is variable, after the order amount is processed to obtain the target amount, the exchange rate may be different from the exchange rate when determining the available amount, and at this time, the exchange difference needs to be determined to avoid the loss of the buyer, specifically, the processing device of the order data further includes: the third determining module is used for determining a second current exchange rate adopted when the order amount is subjected to the exchange processing; the acquisition module is used for acquiring a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and the adjusting module is used for adjusting the available amount according to the target convergence difference. Wherein, available quota can be adjusted through the following modes: when the target sink difference is larger than 0, reducing the available amount according to the target sink difference; when the target sink difference is less than 0, increasing the available amount according to the target sink difference; when the target sink difference is equal to 0, the available quota is kept unchanged.

It should be noted that the above modules respectively correspond to step S202 to step S208 in embodiment 1, and the implementation examples and application scenarios of the modules and the corresponding steps are the same, but are not limited to the disclosure of the first embodiment. It should be noted that the above modules may be operated in the computer device 10 provided in embodiment 1 as a part of the apparatus.

Example 5

An embodiment of the present application further provides another order data processing apparatus, where the apparatus is configured to implement the order data processing method in embodiment 2, and as shown in fig. 8, the apparatus includes:

a third determining module 80, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account that is different from the fund type supported by the first account;

a fourth determining module 82, configured to determine an order amount corresponding to the to-be-issued order;

the sending module 84 is configured to send order information corresponding to the to-be-sent order to the first account when the amount of the order is less than the available amount;

and the settlement payment module 86 is configured to perform settlement processing on the order amount to obtain a target amount, and send the target amount to the second account.

Based on the above scheme provided by the embodiment of the present application, compared with the scheme provided by embodiment 4, the settlement payment can be performed after the receipt is not confirmed, and the settlement payment can be performed after the order is generated. In this way, transaction time may be further saved.

For a preferred implementation of this embodiment, reference may be made to the description related to embodiments 1-2, which is not described herein again.

Example 6

An embodiment of the present application further provides another order data processing method, and fig. 9 is a flowchart of another order data processing method according to an embodiment of the present application. As shown in fig. 9, the method includes:

step S902, obtaining remittance amount received by the third party payment platform from the third party payment platform, wherein the remittance amount is the amount corresponding to the first currency type;

step S904, determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to the second currency type;

and step S906, paying the order based on the available amount, and sending the order information formed after payment is completed to a third-party payment platform, wherein the third-party payment platform is used for settlement processing based on the order information.

The embodiment of the application can directly carry out purchasing based on available amount without wasting waiting time in the processes of settlement, remittance, recharging and the like, thereby saving the time of on-line operation and avoiding errors caused by manual operation.

In some embodiments of the application, after the order information formed after payment is completed is sent to the third party payment platform, the third party payment platform makes a settlement declaration based on the order information to obtain a target amount corresponding to the order amount; and send the target amount to the seller's account. Because the settlement declaration can be carried out by taking the order information as the settlement voucher, the problem of mismatching of the settlement voucher and the actual transaction can be avoided.

In order to further ensure the security of the transaction process and avoid unnecessary processes, before the third-party payment platform makes a settlement declaration based on the order information, settlement processing may be performed after receiving goods is confirmed, specifically: detecting confirmed goods receiving information of a buyer account; and after the receiving confirmation information is detected, the order information is sent to a third party payment platform.

In order to avoid transaction risk (for example, the purchasing ability of the buyer is not enough to bear the corresponding order, in this case, if the buyer is allowed to place an order, there is a certain risk), and to avoid the problem that the order is still allowed to be placed when the available amount is insufficient, the available amount and the order amount of the order can be compared before payment is made; and when the available amount is larger than the order amount, paying the order by using the available amount.

In some optional embodiments of the present application, the available credit may be determined in the following manner: determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deduction rule to obtain a remaining amount, and using the remaining amount as an available amount.

For a better understanding of the above-described process, the following is described in detail with reference to the process shown in fig. 10. As shown in fig. 10, the process includes:

step S1002, a first payment platform for providing an external remittance service receives an external remittance;

step S1004, the first payment platform synchronizes the remittance amount to the E-commerce platform;

in step S1006, the e-commerce platform determines an available amount based on the remittance amount, and makes an order payment based on the available amount, wherein the available amount may be determined based on the remittance amount and the current remittance rate, for example, the available amount is a product of the remittance amount and the current remittance rate.

Step S1008, after receiving the confirmed goods receiving information of the buyer, the E-commerce platform sends the order information to the first payment platform;

step S1010, the first payment platform performs settlement declaration based on the order information to obtain a settled target amount;

step S1012, the first payment platform sends the target amount to the seller account of the online bank;

in step S1014, the online bank seller account transfers the target amount to the seller account of the second payment platform for cash withdrawal processing.

It should be noted that, reference may be made to the relevant description in embodiments 1-2 for a preferred implementation of this embodiment, and details are not described here again.

Example 7

An embodiment of the present application further provides an apparatus for processing order data, where the apparatus is configured to implement the method shown in embodiment 6, and as shown in fig. 11, the apparatus includes:

a receiving module 110, configured to obtain, from a third party payment platform, a remittance amount received by the third party payment platform, where the remittance amount is an amount corresponding to the first currency type;

a determining module 112, configured to determine an available amount corresponding to the remittance amount based on the remittance amount, where the available amount is an amount corresponding to the second currency type;

and the payment module 114 is configured to pay the order based on the available amount, and send order information formed after payment is completed to a third-party payment platform, where the third-party payment platform is configured to perform settlement processing based on the order information.

Through the functions realized by the modules, waiting time does not need to be wasted in the processes of settlement, remittance, recharging and the like, and purchasing can be directly carried out based on available amount, so that the time of online operation is saved, and errors caused by manual operation can be avoided.

It should be noted that, reference may be made to the relevant description in embodiments 1 to 6 for a preferred implementation of this embodiment, and details are not described here again.

Example 8

Embodiments of the present application may provide a computer device that may be any one of a group of computer devices. Optionally, in this embodiment, the computer device may also be replaced with a terminal device such as a mobile terminal.

Optionally, in this embodiment, the computer device may be located in at least one network device of a plurality of network devices of a computer network.

In this embodiment, the computer device may execute program codes of the following steps in the processing method of order data: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Optionally, the structure of the computer device provided in the embodiment of the present application may refer to the structure of the computer device shown in fig. 1, and it should be noted that the computer device in the embodiment may have more or less structures than the computer device shown in fig. 1. The computer device may include: one or more processors, memory, and transmission devices, etc.

The memory may be used to store software programs and modules, such as program instructions/modules corresponding to the security vulnerability detection method and apparatus in the embodiment of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, implements the above processing method for order data. The memory may include high speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory may further include memory remotely located from the processor, and these remote memories may be connected to terminal a through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The processor can call the information and application program stored in the memory through the transmission device to execute the following steps: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Optionally, the processor may further execute the program code of the following steps: receiving a remittance amount; determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as an available amount.

Optionally, the processor may further execute the program code of the following steps: and determining the pre-estimated limit according to the preset deduction proportion and the remittance amount.

Optionally, the processor may further execute the program code of the following steps: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree on the exchange rate; inputting the characteristic data group into a learning model for analysis to obtain a convergence difference, wherein the learning model is obtained by training a plurality of groups of data, and each group of data in the plurality of groups of data comprises: sample characteristic data and a convergence corresponding to the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the pre-estimated limit according to the target deduction proportion and the remittance amount.

Optionally, the processor may further execute the program code of the following steps: selecting a target junction party from a plurality of junction parties according to a preset rule to carry out junction processing, wherein the preset rule comprises the following steps: and selecting the junction party with the highest provided exchange rate.

Optionally, the processor may further execute the program code of the following steps: and deducting the amount of the order from the available amount to obtain the updated available amount.

Optionally, the processor may further execute the program code of the following steps: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; acquiring a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available amount according to the target convergence difference.

By adopting the scheme provided by the embodiment of the application, the technical problems that cross-border transaction time is long, human errors are easy to occur and the like in the related technology are solved.

It can be understood by those skilled in the art that the computer device provided in this embodiment may also be a terminal device such as a smart phone (e.g., an Android phone, an iOS phone, etc.), a tablet computer, a palmtop computer, a Mobile Internet Device (MID), a PAD, and the like. Fig. 1 does not limit the structure of the electronic device. For example, the computer device may also include more or fewer components (e.g., network interfaces, display devices, etc.) than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by a program instructing hardware associated with the terminal device, where the program may be stored in a computer-readable storage medium, and the storage medium may include: flash disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

Example 9

Embodiments of the present application also provide a storage medium. Optionally, in this embodiment, the storage medium may be configured to store program codes executed by the processing method of order data provided in embodiment 1.

Optionally, in this embodiment, the storage medium may be located in any one of computer devices in a computer device group in a computer network, or in any one of mobile terminals in a mobile terminal group.

Optionally, in this embodiment, the storage medium is configured to store program code for performing the following steps: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining the amount of an order corresponding to the to-be-issued order; when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Optionally, the storage medium may further store a program code for performing the following steps: receiving a remittance amount; determining a pre-estimated amount based on the first current rate and the remittance amount; deducting corresponding cost from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as an available amount.

Optionally, the storage medium may further store a program code for performing the following steps: and determining the pre-estimated limit according to the preset deduction proportion and the remittance amount.

Optionally, the storage medium may further store a program code for performing the following steps: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree on the exchange rate; inputting the characteristic data group into a learning model for analysis to obtain a convergence difference, wherein the learning model is obtained by training a plurality of groups of data, and each group of data in the plurality of groups of data comprises: sample characteristic data and a convergence corresponding to the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the pre-estimated limit according to the target deduction proportion and the remittance amount.

Optionally, the storage medium may further store a program code for performing the following steps: selecting a target junction party from a plurality of junction parties according to a preset rule to carry out junction processing, wherein the preset rule comprises the following steps: and selecting the junction party with the highest provided exchange rate.

Optionally, the storage medium may further store a program code for performing the following steps: and deducting the amount of the order from the available amount to obtain the updated available amount.

Optionally, the storage medium may further store a program code for performing the following steps: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; acquiring a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available amount according to the target convergence difference.

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.

In the above embodiments of the present application, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the embodiments provided in the present application, it should be understood that the disclosed technology can be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one type of division of logical functions, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.

The foregoing is only a preferred embodiment of the present application and it should be noted that those skilled in the art can make several improvements and modifications without departing from the principle of the present application, and these improvements and modifications should also be considered as the protection scope of the present application.

Claims

1. A processing method of order data comprises the following steps:

determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

determining the amount of an order corresponding to the to-be-issued order;

when the amount of the order is smaller than the available amount, sending order information corresponding to the to-be-issued order to the first account;

receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

and after the confirmation information is received, carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

2. The method of claim 1, wherein determining the available credit corresponding to the first account comprises:

receiving the remittance amount;

determining a pre-estimated amount based on a first current rate and the remittance amount;

and deducting corresponding expenses from the estimated amount according to a preset fee deducting rule to obtain a remaining amount, and using the remaining amount as the available amount.

3. The method of claim 2, wherein deducting the corresponding fee from the pre-estimated amount according to a predetermined fee deduction rule to obtain the remaining amount comprises: and determining the pre-estimated amount according to a preset deduction ratio and the remittance amount.

4. The method of claim 2, wherein deducting the corresponding fee from the pre-estimated amount according to a predetermined fee deduction rule to obtain the remaining amount comprises:

acquiring characteristic data, wherein the characteristic data is used for representing the influence degree on the exchange rate;

inputting the characteristic data group into a learning model for analysis to obtain a convergence difference, wherein the learning model is obtained by training a plurality of groups of data, and each group of data in the plurality of groups of data comprises: sample characteristic data and a convergence corresponding to the sample characteristic data;

determining a target deduction proportion based on the sink difference obtained through the learning model;

and determining the pre-estimated amount according to the target deduction proportion and the remittance amount.

5. The method of claim 1, wherein the processing of the settlement of the order amount comprises:

selecting a target junction party from a plurality of junction parties according to a preset rule to carry out junction processing, wherein the preset rule comprises the following steps: and selecting the junction party with the highest provided exchange rate.

6. The method of claim 1, wherein after the settlement processing of the order amount, the method further comprises:

and deducting the order amount from the available amount to obtain an updated available amount.

7. The method of claim 2, wherein after the step of closing the order amount to obtain the target amount, the method further comprises:

determining a second current exchange rate adopted when the order amount is subjected to the exchange processing;

obtaining a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference;

and adjusting the available quota according to the target convergence difference.

8. The method of claim 7, wherein adjusting the available credit based on the target summary comprises:

when the target sink difference is larger than 0, reducing the available amount according to the target sink difference;

when the target sink difference is smaller than 0, increasing the available amount according to the target sink difference; a

And when the target sink difference is equal to 0, keeping the available quota unchanged.

9. The method of claim 1, wherein the method further comprises:

and displaying the order information, the specified control and the available quota in a preset human-computer interface, wherein the specified control generates the confirmation information when being triggered.

10. The method of any of claims 1-8, wherein the first account is an offshore account and the second account is an onshore account; alternatively, the first account is an on-shore account and the second account is an off-shore account.

11. A processing method of order data comprises the following steps:

determining the amount of an order corresponding to the to-be-issued order;

and carrying out settlement processing on the order amount to obtain a target amount, and sending the target amount to the second account.

12. The method of claim 10, wherein determining the available credit for the first account comprises:

receiving the remittance amount;

13. A processing method of order data comprises the following steps:

obtaining remittance amount received by a third party payment platform from the third party payment platform, wherein the remittance amount is the amount corresponding to the first currency type;

determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to a second currency type;

and paying the order based on the available amount, and sending order information formed after payment is completed to the third-party payment platform, wherein the third-party payment platform is used for carrying out settlement processing based on the order information.

14. The method of claim 13, wherein after sending the order information formed after payment is completed to the third party payment platform, the method further comprises:

the third party payment platform performs settlement declaration based on the order information to obtain a target amount corresponding to the order amount; and send the target amount to the seller's account.

15. The method of claim 13, wherein prior to the third party payment platform making a settlement declaration based on the order information, the method further comprises:

detecting confirmed goods receiving information of a buyer account; and after the receiving confirmation information is detected, the order information is sent to the third party payment platform.

16. The method of claim 13, wherein paying for the order based on the available credit comprises:

comparing the available amount with the order amount of the order;

and when the available amount is larger than the order amount, the order is paid by using the available amount.

17. The method of any of claims 13-16, wherein determining an available credit corresponding to the money transfer amount based on the money transfer amount comprises:

deducting corresponding cost from the estimated amount according to a preset fee deduction rule to obtain a remaining amount, and using the remaining amount as the available amount.

18. A computer device for providing a human-machine interface, wherein the human-machine interface comprises:

the first control is used for displaying available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is the amount of fund types supported by a second account different from the fund types supported by the first account;

the second control is used for displaying the order amount corresponding to the to-be-issued order and the order information corresponding to the to-be-issued order;

the third control is used for sending the order information corresponding to the to-be-sent order to the first account when the sum of the order is smaller than the available amount and the third control is triggered;

the fourth control is used for receiving a confirmation instruction of a user, wherein the confirmation instruction is used for triggering generation of confirmation information of the first account, and the confirmation information is used for indicating that the commodity corresponding to the order information is received;

and the fifth control is used for displaying the target amount obtained after the settlement processing is carried out on the order amount after the confirmation information is received.

19. An order data processing device, comprising:

the first determining module is used for determining available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is the amount of fund types supported by a second account different from the fund types supported by the first account;

the second determining module is used for determining the amount of the order corresponding to the to-be-issued order;

the sending module is used for sending the order information corresponding to the to-be-sent order to the first account when the order amount is smaller than the available amount;

the receiving module is used for receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

and the settlement payment module is used for performing settlement processing on the order amount after receiving the confirmation information to obtain a target amount and sending the target amount to the second account.

20. An order data processing device, comprising:

a third determining module, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received remittance amount and the remittance rate, and the available amount is an amount of a fund type supported by a second account that is different from a fund type supported by the first account;

the fourth determining module is used for determining the amount of the order corresponding to the to-be-issued order;

and the settlement payment module is used for performing settlement processing on the order amount to obtain a target amount and sending the target amount to the second account.

21. An apparatus for processing order data, comprising:

the receiving module is used for acquiring remittance amount received by the third party payment platform from the third party payment platform, wherein the remittance amount is the amount corresponding to the first currency type;

the determining module is used for determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is the amount corresponding to the second currency type;

and the payment module is used for paying the order based on the available amount and sending the order information formed after the payment is finished to the third-party payment platform, wherein the third-party payment platform is used for carrying out settlement processing based on the order information.

22. A computer device, comprising: memory, processor and computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the steps in the method of processing order data according to any of claims 1 to 10.

23. A computer-readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the steps in the method of processing order data according to any one of claims 1 to 10.