CN115545692A - Cross-border e-commerce platform multi-currency settlement method and system - Google Patents
Cross-border e-commerce platform multi-currency settlement method and system Download PDFInfo
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- CN115545692A CN115545692A CN202211266150.8A CN202211266150A CN115545692A CN 115545692 A CN115545692 A CN 115545692A CN 202211266150 A CN202211266150 A CN 202211266150A CN 115545692 A CN115545692 A CN 115545692A
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Abstract
The invention discloses a cross-border e-commerce platform multi-currency settlement method and a system, which initiate a settlement request according to a pre-configured settlement mode and judge whether the settlement currency in the settlement request is the basic currency specified by a platform merchant; if yes, remitting the settlement amount in the settlement request according to the remittance rate during settlement and then paying the settlement amount to the supplier; if not, generating a virtual card request, selecting a virtual card service provider according to the basic currency and the settlement currency to generate a disposable virtual card, transmitting the disposable virtual card information to a supplier, and monitoring whether the supplier settles according to the received disposable virtual card information. The embodiment of the invention can set different basic currencies according to the requirements of different merchants in various regions around the world, adopts different forms to merge a plurality of third party payment service providers, can meet the settlement and payment requirements of various foreign currencies, and is convenient and quick.
Description
Technical Field
The invention relates to the technical field of cross-border payment, in particular to a cross-border e-commerce platform multi-currency settlement method and system.
Background
The cross-border tourist market consumption demand is recovered from day and thunk, foreign travelers have a plurality of outbound tourist consumption payment scenes, foreign travelers in different countries pay different currencies, and foreign currencies are often used when merchants settle accounts for suppliers. The currency payment supported by the existing cross-border payment method is limited, most of the currency payment methods need to be separated from a platform for offline operation through bank foreign exchange business cooperating with an e-commerce platform, and the procedures are complicated, complex in operation process and inconvenient.
Disclosure of Invention
In view of this, the embodiment of the invention provides a cross-border e-commerce platform multi-currency settlement method and system, so as to solve the problems of the existing cross-border payment method.
In order to achieve the purpose, the invention provides the following technical scheme:
the embodiment of the invention provides a cross-border e-commerce platform multi-currency settlement method, which comprises the following steps: initiating a settlement request according to a pre-configured settlement mode;
judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant;
when the settlement currency in the settlement request is the basic currency specified by the platform merchant, the settlement amount in the settlement request is remitted according to the remittance rate during settlement and then is paid to the supplier;
when the settlement currency in the settlement request is not the basic currency specified by the platform merchant, generating a virtual card request, selecting a virtual card service provider according to the basic currency and the settlement currency to generate a disposable virtual card, sending the disposable virtual card information to a supplier, and monitoring whether the supplier settles according to the received disposable virtual card information.
Optionally, the preconfigured settlement means includes: settlement period and order status.
Optionally, the process of calling the virtual card interface to generate a disposable virtual card and sending the information of the disposable virtual card to a provider includes:
analyzing the virtual card request to obtain virtual card request information, including: the platform merchant name, the settlement serial number, the settlement amount, the settlement currency and the supplier name which initiate the request;
and after the virtual card request information is checked, generating a disposable virtual card corresponding to the virtual card request, and sending the card number and the password of the disposable virtual card to a supplier.
Optionally, the disposable virtual card is a deposit card or a credit card,
when the disposable virtual card is a deposit card, remitting settlement amount into the deposit card before generating the card number and the password to a supplier after generating the disposable virtual card;
when the disposable virtual card is a credit card, the credit card is allocated with a limit which is not less than the settlement amount.
Optionally, the settlement amount = the amount of foreign currency to be settled ++ rate (100 + a)%, and a is a redundancy coefficient.
Optionally, the process of monitoring whether the supplier settles according to the received information of the disposable virtual card includes:
and inquiring the state of the disposable virtual card at regular time, and cancelling the disposable virtual card after withdrawing the residual amount in the disposable virtual card which finishes payment or repaying the payment amount.
Optionally, the cross-border e-commerce platform multi-currency settlement method further includes: and acquiring a settlement bill which is regularly generated by the virtual card service provider, updating the bill state according to the bill data, changing the bill state into an abnormal state if the settlement data is wrong, and merging and settling the supplementary bill generated after manual review in the next settlement period.
The embodiment of the invention also provides a cross-border e-commerce platform multi-currency settlement system, which comprises:
the settlement request module is used for initiating a settlement request according to a pre-configured settlement mode;
the request auditing module is used for judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant;
the first settlement module is used for remitting the settlement amount in the settlement request according to the remittance rate during settlement and then paying the settlement amount to the supplier when the settlement currency in the settlement request is the basic currency specified by the platform merchant;
and the second settlement module is used for generating a virtual card request and selecting a virtual card service provider to generate a disposable virtual card according to the basic currency and the settlement currency to monitor whether the supplier settles according to the received disposable virtual card information when the settlement currency in the settlement request is not the basic currency specified by the platform merchant.
An embodiment of the present invention further provides an electronic device, including: the multi-currency settlement system comprises a memory and a processor, wherein the memory and the processor are mutually connected in a communication mode, computer instructions are stored in the memory, and the processor executes the computer instructions so as to execute the cross-border e-commerce platform multi-currency settlement method provided by the embodiment of the invention.
An embodiment of the present invention further provides a computer-readable storage medium, which stores computer instructions for causing the computer to execute the cross-border e-commerce platform multi-currency settlement method provided by the embodiment of the present invention.
The technical scheme of the invention has the following advantages:
the invention provides a cross-border e-commerce platform multi-currency settlement method, which initiates a settlement request according to a pre-configured settlement mode and judges whether the settlement currency in the settlement request is the basic currency specified by a platform merchant; if yes, remitting the settlement amount in the settlement request according to the remittance rate during settlement and then paying the settlement amount to the supplier; if not, generating a virtual card request, selecting a virtual card service provider according to the basic currency and the settlement currency to generate a disposable virtual card, sending the disposable virtual card information to a supplier, and monitoring whether the supplier settles according to the received disposable virtual card information. The embodiment of the invention can set different basic currencies according to the requirements of different merchants in various regions around the world, adopts different forms to merge a plurality of third party payment service providers, can meet the settlement and payment requirements of various foreign currencies, and is convenient and quick.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of an example of a cross-border e-commerce platform multi-currency settlement method in an embodiment of the invention;
FIG. 2 is a flowchart of an exemplary method for multi-currency settlement across the border e-commerce platforms in an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a multi-currency settlement system of a cross-border e-commerce platform according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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 some, but not all, embodiments of the present invention. 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.
While the steps illustrated in the flowchart of the figure may be performed in a computer system such as a set of computer-executable instructions, and 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, it should be appreciated that embodiments of the present invention provide a cross-border e-commerce platform multi-currency settlement method embodiment.
The multi-currency settlement method for the cross-border e-commerce platform provided by the embodiment, as shown in fig. 1, includes the following steps:
step S1: and initiating a settlement request according to a pre-configured settlement mode.
In the embodiment of the invention, the pre-configured settlement mode comprises a settlement period and an order state. Specifically, the specific settlement manner may be advanced according to the platform merchant and the provider, for example, the settlement period may be a monthly settlement or a quarterly settlement, and the time of placing an order according to the order or the time of consuming the specific consumption by the user may be used as the starting time and the ending time during the settlement (for example, the time of placing an order in a hotel by the consumer and the time of actually entering the hotel are generally not the same day, so the specific time when the platform merchant and the provider need to advance settlement) is only used as an example, and may be reasonably set according to a specific service in the actual application.
Step S2: and judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant.
In this embodiment, when a merchant is parked in an across-border e-commerce platform, basic currency and platform rate of the merchant need to be set, and a piece entering data is submitted to a third party payment platform through an interface according to the basic currency, after the piece entering process is approved, payment related parameters of the third party payment platform are synchronized to the across-border e-commerce platform, a passenger purchases a product on the platform of the merchant, and the price of the product is displayed according to the basic currency set by the merchant. When the passenger pays, a third party payment platform (such as PayPal and PayPao) can be selected, and the third party payment platform displays the payment amount corresponding to the payment currency of the passenger according to the real-time exchange rate.
And step S3: and when the settlement currency in the settlement request is the basic currency specified by the platform merchant, the settlement amount in the settlement request is remitted according to the remittance rate during settlement and then is paid to the supplier.
And step S4: and when the settlement currency in the settlement request is not the basic currency specified by the platform merchant, generating a virtual card request, selecting a virtual card service provider according to the basic currency and the settlement currency to generate a disposable virtual card, sending the disposable virtual card information to a supplier, and monitoring whether the supplier settles according to the received disposable virtual card information.
In one embodiment, for example, the supplier of the goods is Thailand, but the basic currency is RMB or USD, if the Thailand of the supplier supports the settlement currency of RMB or USD, the settlement amount in the settlement request is directly aggregated according to the current exchange rate and then is paid to the supplier, if the supplier only supports the settlement of Thai coins, the generation of the virtual card request is needed to intelligently select the optimal server supporting the payment of Thai coin and having low commission and low risk to perform the settlement process corresponding to the request by generating the disposable virtual card.
In the embodiment of the present invention, as shown in fig. 2, a process in which a virtual card facilitator generates a disposable virtual card by calling a virtual card interface, and generates information of the disposable virtual card to a vendor includes: analyzing the virtual card request to obtain virtual card request information, including: the platform merchant name, the settlement serial number, the settlement amount, the settlement currency and the supplier name which initiate the request; and after the virtual card request information is checked, generating a disposable virtual card corresponding to the virtual card request, sending the card number and the password of the disposable virtual card to a supplier, and carrying out card swiping settlement by the supplier based on the virtual card.
The disposable virtual card in the embodiment of the invention can be a deposit card or a credit card, and when the disposable virtual card is a deposit card, the card number and the password are remitted to the deposit card before being generated to a supplier; when the disposable virtual card is a credit card, the credit card is configured with a limit which is not less than the settlement amount. The settlement amount = the amount of foreign currency to be settled × (100 + a)%, a is a redundancy coefficient, which is set to account for the change of the exchange rate so that there is a sufficient amount of money to be settled, and a is generally set to 10, which is by way of example only and not limited thereto.
In the embodiment of the present invention, as shown in fig. 2, the platform further monitors whether the supplier performs settlement according to the received information of the one-time virtual card, and the specific process is as follows: and inquiring the state of the disposable virtual card at regular time, and cancelling the disposable virtual card after withdrawing the residual amount in the disposable virtual card which finishes payment or repaying the payment amount. The embodiment of the invention can ensure the fund security by checking and selling the foreign currency through the disposable virtual card.
In the embodiment of the present invention, as shown in fig. 2, the platform further obtains a bill for settlement that occurs periodically by the virtual card service provider, updates the bill state according to the bill data, changes the bill state to be abnormal if the settlement data is incorrect, and merges settlement of the supplementary bill generated after manual review in the next settlement period (the monthly settlement period is taken as an example in this embodiment).
The cross-border e-commerce platform multi-currency settlement method provided by the embodiment of the invention can set different basic currencies according to the needs of different merchants in various regions of the world, adopts different forms to merge a plurality of third party payment service providers, can meet the settlement and payment requirements of various foreign currencies, and is convenient and rapid.
The present embodiment provides a cross-border e-commerce platform multi-currency settlement system, as shown in fig. 3, including:
the settlement request module 1 is used for initiating a settlement request according to a pre-configured settlement mode; the method described in step S1 in embodiment 1 is executed, and is not described herein again.
The request auditing module 2 is used for judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant; the method described in step S2 in embodiment 1 is executed, and is not described herein again.
The first settlement module 3 is used for remitting the settlement amount in the settlement request according to the remittance rate during settlement and then paying the settlement amount to the supplier when the settlement currency in the settlement request is the basic currency specified by the platform merchant; the method described in step S3 in embodiment 1 is executed, and is not described herein again.
And the second settlement module 4 is used for generating a virtual card request and selecting a virtual card service provider to generate a disposable virtual card according to the basic currency and the settlement currency to monitor whether the supplier settles according to the received disposable virtual card information when the settlement currency in the settlement request is not the basic currency specified by the platform merchant. The method described in step S4 in embodiment 1 is executed, and is not described herein again.
There is also provided an electronic device according to an embodiment of the present invention, as shown in fig. 4, the electronic device may include a processor 901 and a memory 902, where the processor 901 and the memory 902 may be connected by a bus or in another manner, and fig. 4 takes the example of being connected by a bus as an example.
The memory 902, which is a non-transitory computer readable storage medium, may be used for storing non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the methods in the method embodiments of the present invention. The processor 901 executes various functional applications and data processing of the processor by executing non-transitory software programs, instructions and modules stored in the memory 902, that is, implements the methods in the above-described method embodiments.
The memory 902 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor 901, and the like. Further, the memory 902 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory 902 may optionally include memory located remotely from the processor 901, which may be connected to the processor 901 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.
One or more modules are stored in the memory 902, which when executed by the processor 901 perform the methods in the above-described method embodiments.
The specific details of the electronic device may be understood by referring to the corresponding related descriptions and effects in the above method embodiments, and are not described herein again.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, and the program can be stored in a computer readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard Disk (Hard Disk Drive, abbreviated as HDD), a Solid State Drive (SSD), or the like; the storage medium may also comprise a combination of memories of the kind described above.
Although the embodiments of the present invention have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the invention, and such modifications and variations fall within the scope defined by the appended claims.
Claims (10)
1. A cross-border e-commerce platform multi-currency settlement method is characterized by comprising the following steps:
initiating a settlement request according to a pre-configured settlement mode;
judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant;
when the settlement currency in the settlement request is the basic currency specified by the platform merchant, the settlement amount in the settlement request is remitted according to the remittance rate during settlement and then is paid to the supplier;
when the settlement currency in the settlement request is not the basic currency specified by the platform merchant, generating a virtual card request, selecting a virtual card service provider according to the basic currency and the settlement currency to generate a disposable virtual card, sending the disposable virtual card information to a supplier, and monitoring whether the supplier settles according to the received disposable virtual card information.
2. The cross-border e-commerce platform multi-currency settlement method of claim 1, wherein the pre-configured settlement means comprises: settlement period and order status.
3. The cross-border e-commerce platform multi-currency settlement method of claim 1, wherein the invoking of the virtual card interface generates a one-time virtual card, the one-time virtual card information being generated to a vendor process comprising:
analyzing the virtual card request to obtain virtual card request information, including: the platform merchant name, the settlement serial number, the settlement amount, the settlement currency and the supplier name which initiate the request;
and after the virtual card request information is checked, generating a disposable virtual card corresponding to the virtual card request, and sending the card number and the password of the disposable virtual card to a supplier.
4. The cross-border e-commerce platform multi-currency settlement method of claim 3, wherein the one-time virtual card is a savings card or a credit card,
when the disposable virtual card is a deposit card, remitting settlement amount into the deposit card before generating the card number and the password to a supplier after generating the disposable virtual card;
when the disposable virtual card is a credit card, the credit card is configured with a limit which is not less than the settlement amount.
5. The multi-currency settlement method for the cross-border e-commerce platform according to claim 4, wherein the settlement amount = amount of foreign currency to be settled ++ rate (100 + a)%, a is a redundancy coefficient.
6. The method for multi-currency settlement across border e-commerce platforms of claim 4 wherein the process of monitoring whether the supplier settles based on the received one-time virtual card information comprises:
and inquiring the state of the disposable virtual card at regular time, and cancelling the disposable virtual card after withdrawing the residual amount in the disposable virtual card which finishes payment or repaying the payment amount.
7. The method for multi-currency settlement across border e-commerce platforms as claimed in claim 2, further comprising: and acquiring a settlement bill which is regularly generated by the virtual card service provider, updating the bill state according to the bill data, changing the bill state into an abnormal state if the settlement data is wrong, and merging and settling the supplementary bill generated after manual review in the next settlement period.
8. A cross-border e-commerce platform multi-currency settlement system, comprising:
the settlement request module is used for initiating a settlement request according to a pre-configured settlement mode;
the request auditing module is used for judging whether the settlement currency in the settlement request is the basic currency specified by the platform merchant;
the first settlement module is used for remitting the settlement amount in the settlement request according to the remittance rate during settlement and then paying the settlement amount to the supplier when the settlement currency in the settlement request is the basic currency specified by the platform merchant;
and the second settlement module is used for generating a virtual card request and selecting a virtual card service provider to generate a disposable virtual card according to the basic currency and the settlement currency to monitor whether the supplier settles according to the received disposable virtual card information when the settlement currency in the settlement request is not the basic currency specified by the platform merchant.
9. An electronic device, comprising:
a memory and a processor communicatively coupled to each other, the memory having stored therein computer instructions, the processor executing the computer instructions to perform the cross-border e-commerce platform multi-currency settlement method of any one of claims 1-7.
10. A computer-readable storage medium storing computer instructions for causing a computer to perform the cross-border e-commerce platform multi-currency settlement method of any one of claims 1-7.
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