CN112529549A

CN112529549A - Electronic settlement method, device and storage medium

Info

Publication number: CN112529549A
Application number: CN201910883015.XA
Authority: CN
Inventors: 杨健明
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-09-18
Filing date: 2019-09-18
Publication date: 2021-03-19

Abstract

The embodiment of the invention discloses an electronic settlement method, an electronic settlement device and a storage medium; the embodiment of the invention can inquire at least one electronic payment tool associated with the target user; pulling cross currency transaction information of a target user from an electronic payment tool; acquiring fund information to be transferred of a target user based on the cross-currency transaction information; transferring the funds to be transferred from the electronic payment instrument to a transfer platform; generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred; and executing a currency conversion instruction to transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user. The scheme directly collects the cross-currency transaction funds of a plurality of electronic payment tools to the transfer platform, so that the funds of different currencies are converted into specific currencies and stored into the bank account of the target user, and therefore, the efficiency of the electronic settlement method can be improved.

Description

Electronic settlement method, device and storage medium

Technical Field

The invention relates to the field of computers, in particular to an electronic settlement method, an electronic settlement device and a storage medium.

Background

Electronic payment refers to the act of securely transmitting payment information between a consumer, a merchant and a financial institution to a bank or a corresponding processing institution via an information network by using secure electronic means to realize currency payment or fund transfer.

With the increase of consumption level, more domestic consumers choose to go out of the border and foreign merchants choose to go in the border for commercial activities, and electronic payment becomes the preferred payment mode of the consumers and the merchants in the process of cross-border transaction.

Because the electronic payment tools adopted by consumers in different regions are different and are mutually independent, when the electronic payment tools are required to be transacted with the consumers from different countries and regions, merchants often need to register and open the electronic payment tools in advance, the corresponding electronic payment tools are adopted to transact with the consumers, and the merchants convert transaction currency into specific currency by adopting the electronic payment tools and store the currency into bank accounts.

However, the electronic settlement method is not efficient at present because the merchant consumes much effort and time to perform the electronic settlement using these complicated electronic payment means.

Disclosure of Invention

The embodiment of the invention provides an electronic settlement method, an electronic settlement device and a storage medium, which can improve the efficiency of the electronic settlement method.

The embodiment of the invention provides an electronic settlement method, which comprises the following steps:

querying at least one electronic payment instrument associated with the target user;

pulling cross currency transaction information for a target user from the electronic payment instrument;

obtaining fund to be transferred information of a target user based on the cross-currency transaction information;

transferring the funds to be transferred from the electronic payment instrument to a transfer platform;

generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred;

and executing a currency conversion instruction to transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user.

An embodiment of the present invention further provides an electronic settlement apparatus, including: the query unit is used for querying at least one electronic payment tool associated with the target user;

a pull unit for pulling cross currency transaction information of a target user from the electronic payment tool;

the fund unit is used for acquiring fund information to be transferred of the target user based on the cross-currency transaction information;

the transfer unit is used for transferring the funds to be transferred from the electronic payment tool to a transfer platform;

the currency unit is used for generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred;

and the sending unit is used for executing a currency conversion instruction to transfer the fund to be transferred after the currency conversion from the transfer platform to the bank account of the target user.

The embodiment of the invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor to execute the steps in any electronic settlement method provided by the embodiment of the invention.

The embodiment of the invention also provides a server, which comprises a memory, a storage and a control unit, wherein the memory stores a plurality of instructions; the processor loads instructions from the memory to perform the steps of any of the electronic settlement methods provided by the embodiments of the present invention.

The embodiment of the invention can inquire at least one electronic payment tool related to the target user and pull the cross-currency transaction information of the target user from the electronic payment tool; then, acquiring the fund information to be transferred of the target user based on the cross-currency transaction information; transferring the fund to be transferred from the electronic payment tool to a transfer platform; generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred; and finally, executing a currency conversion instruction to transfer the fund to be transferred after currency conversion from the transfer platform to the bank account of the target user.

When the target user is associated with a plurality of electronic payment instruments, in the invention, the transaction funds of cross-currency transactions carried out by adopting the electronic payment instruments can be directly collected to the transfer platform, so that the funds of different currencies are converted into specific currencies and are stored into the bank account of the target user. Therefore, the efficiency of the electronic settlement method is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1a is a schematic view of a scenario of an electronic settlement method provided in an embodiment of the present invention;

FIG. 1b is a schematic flow chart of an electronic settlement method provided by an embodiment of the present invention;

FIG. 1c is a schematic view of an account management page of the electronic settlement method provided by the embodiment of the invention;

FIG. 2a is a schematic diagram of an electronic settlement method applied in a cross-border transaction scenario according to an embodiment of the present invention;

FIG. 2b is a schematic diagram of an electronic settlement architecture provided by an embodiment of the present invention;

fig. 3a is a schematic view of a first structure of an electronic settlement device according to an embodiment of the present invention;

FIG. 3b is a schematic diagram of a second configuration of the electronic settlement device according to the embodiment of the present invention;

FIG. 3c is a schematic diagram of a third structure of the electronic settlement device according to the embodiment of the present invention;

fig. 4 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the invention provides an electronic settlement method, an electronic settlement device and a computer readable storage medium.

The electronic settlement device may be specifically integrated in an electronic device, and the electronic device may be a server, and the server may be a single server or a server cluster composed of a plurality of servers.

For example, in some embodiments, the electronic settlement apparatus may be integrated into a plurality of electronic devices, for example, the electronic settlement apparatus may be integrated into a plurality of servers, and a server cluster composed of the plurality of servers implements the electronic settlement method of the present invention.

Referring to FIG. 1a, customer a₁And customer a₂The electronic payment tool A can be adopted for transaction with a target merchant user, and the customer B can be adopted for transaction with the target merchant user through the electronic payment tool B; the target merchant user is associated with electronic payment instrument a, electronic payment instrument B, electronic payment instrument C.

The electronic equipment can inquire the electronic payment tool A, the electronic payment tool B and the electronic payment tool C which are associated with the target user, and pull the cross-currency transaction information a of the target user from the electronic payment tool A and pull the cross-currency transaction information C of the target user from the electronic payment tool C.

Then, calculating the fund A to be transferred of the target user based on the cross-currency transaction information a to obtain the fund information A to be transferred, and calculating the fund C to be transferred of the target user based on the cross-currency transaction information C to obtain the fund information C to be transferred;

then, the information a of the funds to be transferred is sent to the electronic payment instrument a so that the electronic payment instrument a transfers the funds to be transferred from the electronic payment instrument a to the transfer platform, and the information C of the funds to be transferred is sent to the electronic payment instrument C so that the electronic payment instrument C transfers the funds to be transferred from the electronic payment instrument C to the transfer platform.

And finally, generating a currency conversion instruction of the funds to be transferred based on the information A of the funds to be transferred and the information C of the funds to be transferred, sending the currency conversion instruction to a currency conversion intermediary so that the currency conversion intermediary can convert the currency of the funds to be transferred in the transfer platform and the information C of the funds to be transferred according to the currency conversion instruction, and transferring the funds to be transferred after currency conversion from the transfer platform to a bank account of a target user.

The following are detailed below. The numbers in the following examples are not intended to limit the order of preference of the examples.

In this embodiment, an electronic settlement method is further provided, as shown in fig. 1b, a specific flow of the electronic settlement method may be as follows:

101. at least one electronic payment instrument associated with the target user is queried.

The electronic payment tool is a tool which can be used for realizing currency payment or fund transfer, and the electronic payment tool can be used among consumers, merchants and financial institutions to transmit payment information to banks or corresponding processing institutions through an information network.

Electronic payment instruments can be divided into three major categories, namely electronic currency, electronic credit cards and electronic tickets. The electronic currency can include electronic cash, electronic purse and the like; electronic credit cards may include smart cards, public transport cards, debit cards, phone cards, and the like; the class of electronic tickets may include electronic checks, electronic remittances, electronic transfers, and the like.

The method for querying the at least one electronic payment instrument associated with the target user has various methods, for example, querying is performed according to information such as a user account name and an account number of the target user, so as to obtain the at least one electronic payment instrument associated with the information such as the account name and the account number of the target user.

In some embodiments, the user may be associated with a plurality of different electronic payment instruments, for example, the user a may be associated with the electronic payment instrument X, the electronic payment instrument Y, the electronic payment instrument Z, so that the step "querying at least one electronic payment instrument associated with the target user" may further include the following steps before:

acquiring the opening information of a payment tool of a target user, wherein the opening information of the payment tool comprises the opening information of at least one electronic payment tool;

opening the electronic payment tool corresponding to the opening information;

and establishing an association relationship between the electronic payment tool and the target user.

The payment instrument opening information may include opening information of a plurality of electronic payment instruments, and the opening information of each electronic payment instrument refers to information sent by a target user for opening a specific electronic payment instrument.

In some embodiments, the electronic payment means includes a first electronic payment means and at least one second electronic payment means, the user only needs to sense the first electronic payment means, the first electronic payment means can display transaction information of all electronic payment means associated with the user, so as to further improve the electronic settlement efficiency, and the step "querying at least one electronic payment means associated with the target user" may include the following steps:

querying a first electronic payment instrument and at least one second electronic payment instrument associated with a target user;

after step 106 is performed, the user can perceive the result of the electronic settlement by:

obtaining fund transfer result information;

the funds-transfer result information is transmitted to the first electronic payment instrument such that the first electronic payment instrument displays the funds-transfer result information.

The fund transfer result information may represent whether the fund transfer is successfully deposited in the bank, and the manner of obtaining the fund transfer result information may be various, for example, the fund transfer result information of the target user is obtained by sending the identity information of the target user to the bank server.

The first electronic payment tool can be used as a main electronic payment tool, the second electronic payment tool can be used as a subordinate electronic payment tool, and an association relationship is established between the first electronic payment tool and a target user, wherein the target user can perceive the first electronic payment tool without perceiving the second electronic payment tool, and the first electronic payment tool can summarize electronic settlement bills generated by all electronic payment tools related to the target user.

The first electronic payment tool is used for controlling electronic settlement, and the second electronic payment tool only needs to provide cross-currency transaction information to the first electronic payment tool. Therefore, the convenience and the practicability of the electronic settlement method are improved, the user experience is improved, and the user operation time is reduced.

102. Cross currency transaction information for a target user is pulled from an electronic payment instrument.

The cross-currency transaction information of the target user refers to the transaction information of the target user for cross-currency transaction by adopting the electronic payment tool.

For example, the target user receives the money of country B paid by the customer of country B using the electronic payment instrument X, and at this time, the cross-currency transaction information may include payment currency (i.e., money of country B), payment time information, payment location information, payer (customer of country B), receiver (target user) information, and the like.

In some embodiments, to reduce the computational load of electronic settlement, cross-currency transaction information of a target user may be periodically pulled from an electronic payment instrument at a preset point in time.

For example, the ratio may be between 2: 30 pull cross currency transaction information for the target user from the electronic payment instrument.

The information representation mode of the cross-currency transaction information has various modes, for example, the cross-currency transaction information can be represented in forms of tables, linked lists, graphs, character strings and the like.

For example, referring to Table 1, cross-currency transaction information may be represented in tabular form as follows:

TABLE 1

The cross-currency transaction information may further include transaction time, a first electronic payment instrument, a second electronic payment instrument, transaction currency, settlement currency, and the like.

In this embodiment, the cross-currency transaction information of the target user may be pulled from the server of the electronic payment instrument.

103. And acquiring the fund to be transferred information of the target user based on the cross-currency transaction information.

The fund to be transferred refers to the amount of physical real money to be transferred in a bank, for example, in the cross-currency transaction information, there is a period of bank processing time from when a customer pays 100 dollars to when the 100 dollars of physical real money appears in a bank account of a merchant.

In some embodiments, to reduce the amount of computation, obtaining the information of funds to be transferred of the target user based on the cross-currency transaction information may include the following methods:

acquiring a settlement threshold;

when the funds to be transferred reach a settlement threshold value, determining the funds to be transferred of the target user based on the cross-currency transaction information to obtain the information of the funds to be transferred;

and when the funds to be transferred do not reach the settlement threshold value, returning to the execution step: at least one electronic payment instrument associated with the target user is queried.

Wherein, the settlement threshold refers to the starting point of the settlement amount, namely the lowest limit of each settlement. For example, the settlement threshold may be 600 yuan national a pencil.

In some embodiments, when the funds to be transferred do not reach the settlement threshold, a wait may be made and the step of "querying at least one electronic payment instrument associated with the target user" may be returned again at a specific time and the step of "querying at least one electronic payment instrument associated with the target user" is performed.

Wherein, the specific time can be set by the skilled person, for example, the specific time can be 4: 00.

in some embodiments, the accounting may be further performed, so that after the step "determining funds to be transferred of the target user based on the cross-currency transaction information, obtaining the funds to be transferred" further includes the following steps:

determining the bank assets of a target user based on the cross-currency transaction information to obtain bank asset account information;

determining the amount of the purchased money of the target user based on the cross-currency transaction information to obtain the account information of the purchased money;

determining the payment amount of the target user based on the cross-currency transaction information to obtain payment account information;

and storing the bank asset account information, the bank purchasing account information and the bank paying account information in a database.

The bank asset account information of the target user may include asset change information of the bank account of the target user at a historical time.

The term "purchasing" refers to purchasing foreign currencies, the amount of purchased foreign currencies refers to the amount of purchased foreign currencies, and the account information for purchasing foreign currencies may include information on the amount of purchased foreign currencies of the target user at the historical time.

The payment is made by outward foreign exchange, the payment amount is the amount of the foreign exchange, and the payment account information may include information of the amount of the foreign exchange paid by the target user at the historical time.

In addition, the funds to be transferred information may also include account information of the funds to be transferred, which may be maintained in the database at the time of accounting.

In some embodiments, the compound account method of the subject can be adopted, namely, the subject is set, the accounting entry is recorded, and the account is carried out according to the principle that the credit is necessarily provided by the loan and the credit is necessarily equal, so that the accuracy and the safety of the electronic settlement are improved.

The accounts obtained by the accounting can be stored in the local memory in the modes of a graph, a table, a linked list, a matrix, an array and the like.

In some embodiments, the accuracy and security of electronic settlement can be further improved by checking account, and after the bank asset account information, the bank purchase account information and the bank payment account information are stored in the database, the method further comprises the following steps:

displaying an account management page;

displaying bank asset account information, transaction account information and payment account information based on account checking operation of a user on an account management page;

and acquiring real bank asset information based on the account checking operation of the user aiming at the account management page, and displaying the account information and the real bank asset information of the bank assets.

Referring to fig. 1c, the account management page may include an account checking control, an ledger checking control, a purchase order management control, a payment management control, a user setting control, and the like.

The user can complete account checking operation aiming at the account management page by clicking the account checking control, so that bank asset account information, bank purchase account information and bank payment account information are displayed.

The user can click the account and real check control to complete the account and real check operation aiming at the account management page, acquire the real bank asset information and display the real bank asset information and the account information.

The bank real asset information refers to information of physical real assets in a bank account of a target user. Can be obtained from a bank server through a network.

The account checking refers to checking related numbers among various accounts; the account-actual check means to check the account settlement number with the actual settlement number of the property material, money, etc.

In some embodiments, bank asset account information, purchase account information, payment account information, accounting voucher information, and the like may also be displayed based on a user's account reconciliation check operation against the account management page.

Wherein the billing voucher information can be generated during the billing process.

For example, the bill number is: xxxxxxxxxxxx000808, adding version number, sequence number, etc. to the single number, thereby generating billing voucher information.

The account certificate check refers to the check of the account book record with the account certificate and the attached original certificate. The above methods for checking account can refer to table 2:

TABLE 2

In some embodiments, an account comparison service and an account check-up service may be further provided, so as to further improve the security of electronic settlement, and therefore, after the step "acquiring the bank real asset information based on the user's account checking operation on the account management page, and displaying the bank asset account information and the bank real asset information", the method may further include the following steps:

performing content comparison processing according to the real bank asset information and the bank asset account information to obtain a comparison result;

when the comparison result comprises the unaligned content, performing content comparison processing according to the real bank asset information and the bank asset account information to obtain a comparison result;

and when the comparison result does not comprise the unpaired flat content, displaying a check page based on the comparison result.

The comparison process may refer to table 2, that is, the comparison of various accounts is performed, and the comparison result may include: unpaired content, aligned content, other content, and so on.

For example, in the comparison process, when the amount of occurrence (loan) in the general ledger of all accounts is not equal to the amount of occurrence (loan), the comparison result may include an unpaired content.

When the comparison result does not include the unpaired content, referring to table 3, the check-up page may include check-up information as shown in table 3.

TABLE 3

Wherein, the check-up refers to that after the account is leveled, the check-up is performed after the account. If a certain account includes the contents of no-match, the user does not mark the account, or marks such as "x" and "o" are marked after the account.

104. And transferring the funds to be transferred from the electronic payment instrument to the transfer platform.

Wherein the staging platform may be used to temporarily receive and hold funds to be transferred.

After the information of the funds to be transferred is sent to the server of the electronic payment instrument, the server of the electronic payment instrument can transfer the funds to be transferred from the electronic payment instrument to the transfer platform.

105. And generating currency conversion instructions of the funds to be transferred based on the information of the funds to be transferred.

The currency conversion command may include command source information, command destination information, amount of money to be transferred, currency type to be converted of money to be transferred, and the like.

In some embodiments, the information on funds to be transferred may include information on funds to be purchased for the funds to be purchased, information on funds to be paid for the funds to be transferred, the currency conversion instruction may include an instruction to purchase the funds and an instruction to pay the funds, and the step "generating the currency conversion instruction for funds to be transferred based on the information on funds to be transferred" may include the steps of:

acquiring currency setting information of a target user;

generating a money purchasing instruction of money to be purchased based on the currency setting information and the money to be purchased information;

and generating a payment instruction of the money to be paid based on the currency type setting information and the money to be paid information.

The currency type setting information of the target user refers to currency type conversion information set by the target user, and includes a transaction currency type and a settlement currency type, for example, the currency type setting information of the user a is "rmb → hong kong coin", "dollar → hong kong coin", "pound on the english → rmb", and the like.

The currency setting information may be modified by the target user on the account management page by clicking on a user information control.

The money purchasing instruction can comprise money purchasing streamline information, money purchasing detail information, transaction currency and settlement currency information, exchange rate information of the transaction currency and the settlement currency, and the like.

Similarly, the remittance instruction may include remittance flow information, remittance detail information, transaction currency and settlement currency information, exchange rate information of the transaction currency and the settlement currency, and the like.

In some embodiments, the step of "generating an instruction for purchasing money to be purchased based on currency setting information and money to be purchased" may include the steps of:

inquiring the number of the current time for purchasing the foreign exchange;

when the current time of the purchasing lot number does not exist, generating the current time of the purchasing lot number;

inquiring currency exchange rate according to currency setting information;

converting the money to be purchased into money after currency conversion according to the money to be purchased and the currency exchange rate to obtain money information after currency conversion;

and generating a money purchasing command based on the money purchasing batch number, the money type setting information, the money type exchange rate, the money information to be purchased and the money information after money type conversion.

Before generating the purchase order, the purchase lot number can be generated according to the current time, and the purchase lot number can be a string of character strings for identifying the purchase lot.

106. And executing a currency conversion instruction to transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user.

The currency conversion intermediary can be a server of a financial platform such as a bank, a money buying and paying platform and the like, and after sending the currency conversion instruction to the server of the currency conversion intermediary, the currency conversion intermediary can convert the currency of the funds to be transferred in the transfer platform according to the currency conversion instruction and transfer the funds to be transferred after the currency conversion to a bank account of a target user from the transfer platform.

As can be seen from the above, embodiments of the present invention may query at least one electronic payment instrument associated with a target user; pulling cross currency transaction information of a target user from an electronic payment tool; acquiring fund information to be transferred of a target user based on the cross-currency transaction information; transferring the funds to be transferred from the electronic payment instrument to a transfer platform; generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred; and executing a currency conversion instruction to transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user. According to the scheme, the transaction funds of cross-currency transactions conducted by adopting a plurality of electronic payment tools are directly collected to the transfer platform, so that the funds of different currencies are converted into specific currencies and are stored in the bank account of the target user. Therefore, the efficiency of the electronic settlement method is improved.

The method described in the above embodiments is further described in detail below.

Referring to fig. 2a, in the cross-border transaction scenario, both chinese and hong kong customers can consume at the chinese and hong kong merchant users, for example, the chinese merchant user presents the collection code of the first electronic payment tool, the chinese customer can scan the code to pay the renminbi by using the first electronic payment tool, the hong kong customer can scan the code to pay the hong kong coin by using the second electronic payment tool, and the first electronic payment tool of the chinese merchant user can collect the hong kong coins and the renminbi and settle the hong kong coins into the bank account of the chinese merchant user in the form of the renminbi. In this embodiment, the method of the embodiment of the present invention will be described in detail by taking the cross-border transaction as an example.

Referring to fig. 2b, in the present embodiment, a main module, a billing module, an operation module, and a billing module may be included. The operation module can provide operation service for financial staff, and the billing module can provide billing service for merchant users.

Specifically, the scenario of this embodiment may include four flows, which are a pull flow, a settlement flow, a payment flow, and a sending flow, respectively, as follows:

(I) a pulling process.

At 4: 00 obtaining the cross-currency transaction information of the first electronic payment tool of all users and the cross-currency transaction information of the second electronic payment tool of all users, and generating the fund information to be transferred according to the cross-currency transaction information.

And accounting is carried out based on the information of the funds to be transferred.

And (II) settlement process.

At 4: and 20, starting to detect whether the funds to be transferred reach a settlement threshold value, and delaying the settlement of the user who does not reach the settlement threshold value when the funds to be transferred do not reach the settlement threshold value until 4: 20, carrying out settlement again; and if the settlement threshold is reached, updating the state of the user reaching the settlement threshold.

For example, the status of the user is updated to "settlement threshold reached".

Then, the information of the funds to be transferred is sent to the second electronic payment tool, and the state of the user is updated to 'settlement successful, payment pending', if the information of the funds to be transferred is not successfully sent to the second electronic payment tool, the state of the user is updated to 'settlement failed'.

Then, after the second electronic payment tool successfully transfers the funds to be transferred from the electronic payment tool to the transfer platform, the status of the user is updated to 'settlement successful, payment to be lifted', and if the second electronic payment tool fails to successfully transfer the funds to be transferred from the electronic payment tool to the transfer platform, the status of the user is updated to 'settlement failed'.

Then, the electronic settlement flow of the user whose status is updated to "settlement failure" is ended until 4: and 20, carrying out settlement again.

And (III) a money buying and paying process.

The user whose ending status is updated to "settlement successful" may be updated in 4: 30 entering into the process of buying and paying money, generating money buying and paying money orders based on the information of the funds to be transferred, and displaying the money buying and paying money orders on an account management page so as to facilitate financial staff to check the money buying and paying money orders, thereby further ensuring the security of electronic settlement.

At the display account management page, financial personnel and/or merchant users may use functions such as audit trails, and the like.

For example, the account management page may perform an account check, in which the physical real funds of the bank of the user need to be acquired for checking with the funds to be transferred.

For example, 5: 00 can pull the information of the fund to be transferred, the information of the real fund of the bank physics and the information of the real fund of the bank in the last time. The financial staff may click on a "trial" control on the account management page to trigger the comparison process.

In the comparison process, a comparison result is determined by judging whether the bank physical real fund information is equal to the fund information to be transferred plus the bank physical real fund information once, and the comparison result is displayed on an account management page.

According to the comparison result, a display check-in page can be displayed, and financial staff can also trigger check-in processing by clicking a 'resolving' control on the display check-in page.

In the check-up process, whether tie-down is performed or not can be judged, and a tie-down result is generated to be referred by financial staff.

And (IV) sending flow.

And after the financial staff passes the audit, sending the money purchasing and paying instructions to a currency conversion intermediary so that the currency conversion intermediary can convert the money to be transferred in the transfer platform according to the currency conversion instructions and transfer the money to be transferred after currency conversion from the transfer platform to the bank account of the target merchant user.

Therefore, the bank account of the target merchant user can be unified with the functions of buying and paying money, and combining the money to be paid to the target merchant user, so that the bank charge during the settlement of the target merchant user can be reduced, and the electronic settlement cost is reduced.

In this embodiment, the merchant user may also open an account by himself, wherein the account type may include a bank account, a profit account, a user account, and the like.

First, a merchant user may perform an account opening operation on a first electronic payment instrument, and account opening information of the merchant user may be obtained from a server of the first electronic payment instrument, where the account opening information may include a second electronic payment instrument, a financial account, and the like, for which the merchant user intends to open an account.

And then sending an account opening application to a second electronic payment tool and a financial account, and then establishing a bank account, a profit and loss account, a user account and the like of the merchant user.

Wherein, whether the merchant user has been opened or not can be judged through the bookkeeping voucher information.

In conclusion, the merchant user adopting the scheme can simultaneously open a plurality of second electronic payment tools by one-time parking application on the first electronic payment tool, so that the time consumed by repeatedly opening each second electronic payment tool is saved; and the merchant user only needs to perceive the total bill on the first electronic payment tool and does not need to perceive the fragmented bill on the second electronic payment tool, so that the user experience is improved.

As can be seen from the above, the embodiment of the present invention may query at least one electronic payment instrument associated with the target user in the pull process, and pull the cross-currency transaction information of the target user from the electronic payment instrument; acquiring the information of funds to be transferred of a target user based on the cross-currency transaction information in a settlement process, and transferring the funds to be transferred from the electronic payment tool to a transfer platform; generating a currency conversion instruction of the funds to be transferred based on the information of the funds to be transferred in the process of purchasing and paying the funds; and sending the currency conversion command to a currency conversion intermediary in a sending process, so that the currency conversion intermediary performs currency conversion on the funds to be transferred in the transfer platform according to the currency conversion command, and transferring the funds to be transferred after the currency conversion from the transfer platform to a bank account of a target user. Therefore, the method and the device can uniformly settle the cross-currency transaction information of all electronic payment tools, reduce the calculated amount and improve the efficiency of the electronic settlement method.

In order to better implement the above method, the embodiment of the present invention further provides an electronic settlement apparatus, which may be specifically integrated in an electronic device, and the electronic device may be a server. The server may be a single server, or a server cluster composed of a plurality of servers.

For example, in this embodiment, the method of the embodiment of the present invention will be described in detail by taking an example in which an electronic settlement device is integrated in a server cluster.

For example, as shown in fig. 3a, the electronic settlement apparatus may include a query unit 301, a pull unit 302, a fund unit 303, a transfer unit 304, a currency unit 305, and a sending unit 306 as follows:

query unit 301.

The querying unit 301 may be configured to query at least one electronic payment instrument associated with the target user.

In some embodiments, the querying unit 301, before querying the at least one electronic payment instrument associated with the target user, may further be configured to:

opening the electronic payment tool corresponding to the opening information;

In some embodiments, the electronic payment instrument includes a first electronic payment instrument and at least one second electronic payment instrument, and the query unit 301 may be specifically configured to:

a first electronic payment instrument and at least one second electronic payment instrument associated with the target user are queried.

(II) a pulling unit 302.

The pulling unit 302 may be configured to pull cross-currency transaction information of a target user from an electronic payment instrument.

And (iii) a funding unit 303.

And the fund unit 303 may be configured to obtain fund to be transferred information of the determined target user based on the cross-currency transaction information.

In some embodiments, the funding unit 303 may be specifically configured to:

acquiring a settlement threshold;

when the fund to be transferred reaches a settlement threshold value, acquiring the fund to be transferred information of a target user based on the cross-currency transaction information;

Referring to fig. 3b, in some embodiments, the funding unit 303, after acquiring the information of funds to be transferred of the target user based on the cross-currency transaction information, may further include an assets subunit 3031, a money buying subunit 3032, a money paying subunit 3033, and an accounts subunit 3034, as follows:

(1) asset subunit 3031.

And the asset subunit 3031 is configured to determine the bank asset of the target user based on the cross-currency transaction information, and obtain the bank asset account information.

(2) A buy-to-exchange subunit 3032.

A money purchasing subunit 3032, configured to determine a money purchasing amount of the target user based on the cross-currency transaction information, and obtain money purchasing account information.

(3) A payment subunit 3033.

A payment subunit 3033, configured to determine a payment amount of the target user based on the cross-currency transaction information, to obtain payment account information.

(4) An account subunit 3034.

The account subunit 3034 is configured to store the bank asset account information, the bank purchase account information, and the bank payment account information in the database.

Referring to fig. 3c, in some embodiments, the accounts subunit 3034, after saving the bank asset account information, the buy bank account information, the pay bank account information in the database, may further include, as follows:

1. page submodule 30341.

The page sub-module 30341 is configured to display an account management page.

2. And an account checking sub-module 30342.

And the account checking sub-module 30342 is configured to display the bank asset account information, the bank purchase account information and the bank payment account information based on the account checking operation of the user on the account management page.

3. And a credit check submodule 30343.

And the real account checking submodule 30343 is configured to obtain real bank asset information based on a real account checking operation of the user on the account management page, and display the real bank asset information and the account information of the bank asset.

In some embodiments, the ledger check submodule 30343, after acquiring bank real asset information based on a ledger check operation of a user on an ledger management page, and displaying the bank asset ledger information and the bank real asset information, may further be configured to:

And (iv) a transjunction unit 304.

A transfer unit 304 may be used to transfer funds to be transferred from the electronic payment instrument to the transfer platform.

(five) a currency unit 305.

The currency unit 305 may be configured to generate a currency conversion instruction for the funds to be transferred based on the information of the funds to be transferred.

In some embodiments, the money to be transferred information may include money to be purchased information about money to be purchased, money to be paid information about money to be paid, and the currency unit 305 may be specifically configured to:

acquiring currency setting information of a target user;

In some embodiments, the currency unit 305 may be specifically configured to:

inquiring the number of the current time for purchasing the foreign exchange;

inquiring currency exchange rate according to currency setting information;

(sixth) a transmission unit 306.

And the sending unit 306 may be configured to execute the currency conversion instruction to transfer the currency-converted funds to be transferred from the transfer platform to the bank account of the target user.

In some embodiments, the sending unit 306, after executing the currency conversion instruction to transfer the currency-converted funds to be transferred from the transfer platform to the bank account of the target user, may further be configured to:

obtaining fund transfer result information;

In a specific implementation, the above units may be implemented as independent entities, or may be combined arbitrarily to be implemented as the same or several entities, and the specific implementation of the above units may refer to the foregoing method embodiments, which are not described herein again.

As can be seen from the above, the electronic settlement device of the present embodiment queries, by the query unit, at least one electronic payment instrument associated with the target user; pulling, by a pulling unit, cross-currency transaction information of a target user from an electronic payment instrument; the fund unit acquires fund information to be transferred of a target user based on the cross-currency transaction information; transferring funds to be transferred from the electronic payment tool to a transfer platform by a transfer unit; generating a currency conversion instruction of the funds to be transferred by a currency unit based on the information of the funds to be transferred; and executing a currency conversion instruction by the sending unit to transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user. The scheme can improve the efficiency of the electronic settlement method.

An embodiment of the present invention further provides a server, as shown in fig. 4, which shows a schematic structural diagram of the server according to the embodiment of the present invention, specifically:

the server may include components such as a processor 401 of one or more processing cores, memory 402 of one or more computer-readable storage media, a power supply 403, an input module 404, and a communication module 405. Those skilled in the art will appreciate that the server architecture shown in FIG. 4 is not meant to be limiting, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the processor 401 is a control center of the server, connects various parts of the entire server using various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 402 and calling data stored in the memory 402, thereby performing overall monitoring of the server. In some embodiments, processor 401 may include one or more processing cores; in some embodiments, processor 401 may integrate an application processor, which primarily handles operating systems, user interfaces, applications, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 401.

The memory 402 may be used to store software programs and modules, and the processor 401 executes various functional applications and data processing by operating the software programs and modules stored in the memory 402. The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to the use of the server, and the like. Further, the memory 402 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 402 may also include a memory controller to provide the processor 401 access to the memory 402.

The server also includes a power supply 403 for supplying power to the various components, and in some embodiments, the power supply 403 may be logically connected to the processor 401 via a power management system, so that the functions of managing charging, discharging, and power consumption are implemented via the power management system. The power supply 403 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The server may also include an input module 404, the input module 404 operable to receive entered numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

The server may also include a communication module 405, and in some embodiments the communication module 405 may include a wireless module, through which the server may wirelessly transmit over short distances to provide wireless broadband internet access to the user. For example, the communication module 405 may be used to assist a user in sending and receiving e-mails, browsing web pages, accessing streaming media, and the like.

Although not shown, the server may further include a display unit and the like, which will not be described in detail herein. Specifically, in this embodiment, the processor 401 in the server loads the executable file corresponding to the process of one or more application programs into the memory 402 according to the following instructions, and the processor 401 runs the application program stored in the memory 402, thereby implementing various functions as follows:

pulling cross currency transaction information of a target user from an electronic payment tool;

acquiring fund information to be transferred of a target user based on the cross-currency transaction information;

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.

To this end, embodiments of the present invention provide a computer-readable storage medium having stored therein a plurality of instructions, which can be loaded by a processor to perform steps of any of the electronic settlement methods provided by the embodiments of the present invention. For example, the instructions may perform the steps of:

Wherein the storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

Since the instructions stored in the storage medium can execute the steps in any electronic settlement method provided by the embodiment of the present invention, the beneficial effects that can be achieved by any electronic settlement method provided by the embodiment of the present invention can be achieved, which are detailed in the foregoing embodiments and will not be described herein again.

The electronic settlement method, device and computer readable storage medium provided by the embodiments of the present invention are described in detail above, and the principles and embodiments of the present invention are explained herein by applying specific examples, and the descriptions of the above embodiments are only used to help understanding the method and the core ideas of the present invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. An electronic settlement method, comprising:

2. The electronic settlement method of claim 1, wherein after obtaining the information of funds to be transferred of the target user based on the cross-currency transaction information, further comprising:

determining the bank assets of a target user based on the cross-currency transaction information to obtain the bank asset account information;

3. The electronic settlement method of claim 2, wherein after storing the bank asset account information, the purchase account information, and the payment account information in a database, further comprising:

displaying an account management page;

displaying the bank asset account information, the transaction account information and the payment account information based on account checking operation of a user aiming at the account management page;

and acquiring real bank asset information based on the account and real bank checking operation of the user aiming at the account management page, and displaying the real bank asset account information and the real bank asset information.

4. The electronic settlement method of claim 3, wherein after acquiring the bank real asset information based on the ledger collation operation of the user with respect to the ledger administration page and displaying the bank asset ledger information and the bank real asset information, further comprising:

and when the comparison result does not comprise the unaligned content, displaying a check page based on the comparison result.

5. The electronic settlement method of claim 1, wherein the money to be transferred information includes money to be purchased information on money to be purchased, money to be paid information on money to be paid, the currency conversion instruction includes a money purchase instruction and a money payment instruction, and the currency conversion instruction for money to be transferred is generated based on the money to be transferred information, and includes:

acquiring currency setting information of a target user;

generating a money purchasing instruction of the money to be purchased based on the currency setting information and the money to be purchased fund information;

and generating a payment instruction of the money to be paid based on the currency setting information and the money to be paid information.

6. The electronic settlement method of claim 5, wherein generating the purchase instruction for the money to be purchased based on the currency setting information and the money to be purchased information comprises:

inquiring the number of the current time for purchasing the foreign exchange;

when the current time purchasing lot number does not exist, generating the current time purchasing lot number;

inquiring currency exchange rate according to the currency setting information;

and generating a money purchasing instruction based on the money purchasing batch number, the money type setting information, the money type exchange rate, the money information to be purchased and the money information after money type conversion.

7. The electronic settlement method of claim 1, wherein the obtaining of the funds to be transferred of the target user based on the cross-currency transaction information comprises:

acquiring a settlement threshold;

when the funds to be transferred reach a settlement threshold value, determining the funds to be transferred of a target user based on the cross-currency transaction information to obtain the information of the funds to be transferred;

8. The electronic settlement method of claim 1, wherein the electronic payment instruments include a first electronic payment instrument and at least one second electronic payment instrument, the querying at least one electronic payment instrument associated with the target user comprising:

after the currency conversion instruction is executed to transfer the funds to be transferred after the currency conversion from the transfer platform to the bank account of the target user, the method further comprises the following steps:

obtaining fund transfer result information;

sending the funds-transfer result information to the first electronic payment instrument for display by the first electronic payment instrument.

9. The electronic settlement method of claim 1, wherein the querying the at least one electronic payment instrument associated with the target user further comprises, prior to:

acquiring opening information of a payment tool of a target user, wherein the opening information of the payment tool comprises opening information of at least one electronic payment tool;

opening the electronic payment tool corresponding to the opening information;

and establishing an association relationship between the electronic payment tool and a target user.

10. The electronic settlement method of claim 1, wherein the executing the currency conversion instruction transfers the currency-converted funds to be transferred from the transfer platform to the bank account of the target user, comprising:

and sending the currency conversion instruction to a currency conversion intermediary so that the currency conversion intermediary can convert the funds to be transferred in the transfer platform according to the currency conversion instruction and transfer the funds to be transferred after currency conversion from the transfer platform to the bank account of the target user.

11. An electronic settlement device characterized by comprising:

the query unit is used for querying at least one electronic payment tool associated with the target user;

12. The electronic settlement device of claim 11, wherein the fund unit further comprises:

the asset subunit is used for determining the bank assets of the target user based on the cross-currency transaction information to obtain the bank asset account information;

the money purchasing subunit is used for determining the money purchasing amount of the target user based on the cross-currency transaction information to obtain money purchasing account information;

the payment subunit is used for determining the payment amount of the target user based on the cross-currency transaction information to obtain payment account information;

and the account subunit is used for storing the bank asset account information, the bank purchasing account information and the bank paying account information in a database.

13. The electronic settlement device of claim 12, wherein the account subunit further comprises:

the page submodule is used for displaying an account management page;

the account checking sub-module is used for displaying the bank asset account information, the bank purchasing account information and the bank paying account information based on the account checking operation of the user aiming at the account management page;

and the account and real checking submodule is used for acquiring the real bank asset information based on the account and real checking operation of the user aiming at the account management page, and displaying the real bank asset account information and the real bank asset information.

14. A storage medium storing a plurality of instructions adapted to be loaded by a processor to perform the steps of the electronic settlement method of any one of claims 1 to 9.

15. A server comprising a processor and a memory, the memory storing a plurality of instructions; the processor loads instructions from the memory to perform the steps in the electronic settlement method of any one of claims 1 to 9.