WO2020200172A1

WO2020200172A1 - Method and device for checking payments-on-behalf-of

Info

Publication number: WO2020200172A1
Application number: PCT/CN2020/082132
Authority: WO
Inventors: 林亚玲; 纪玉革; 王磊
Original assignee: 上海盛付通电子支付服务有限公司
Priority date: 2019-03-29
Filing date: 2020-03-30
Publication date: 2020-10-08
Also published as: CN110009351A

Abstract

Disclosed are a method and a device for checking payments-on-behalf-of. When a preset condition is satisfied, whether a payee is put on record is checked on the basis of exchange settlement transaction data; and when the payee is not put on the record, record putting information corresponding to the payee that is generated on the basis of the exchange settlement transaction data, so as to realize the payments-on-behalf-of of funds to the corresponding payee based on the record putting information. By this means, it can be ensured that a declaration subject of an exchange settlement service can match an actual domestic payments-on-behalf-of payee, thereby avoiding the untraceability of funds and sham transactions.

Description

Method and equipment for dispatch verification

Technical field

This application relates to the field of computer technology, and in particular to a technology for proxy verification.

Background technique

In the prior art, the foreign exchange settlement business usually does not restrict the subject of the foreign exchange settlement business's return declaration of balance of payments to match the subject of the domestic collection account. That is, the foreign exchange settlement business is There are no restrictions on the actual recipients of domestic agent delivery. This method may lead to problems that the actual use of funds does not match the real transaction background, the funds cannot be traced and matched, and there may also be false transactions. Therefore, this problem needs to be resolved urgently.

Summary of the invention

The purpose of this application is to provide a method and equipment for delegation verification.

According to one aspect of the present application, there is provided a method for proxy verification, which is applied to a payment platform, and is characterized in that the method includes:

Acquiring foreign exchange settlement transaction data, where the foreign exchange settlement transaction data includes the payee account number;

Check whether the account of the payee is filed;

If the payee account has been filed, add corresponding exchange settlement quota information to the record information corresponding to the payee account based on the foreign exchange settlement transaction data, so as to realize the transfer to the payee account based on the foreign exchange settlement quota information Fund issuance. In this way, the accuracy of the amount of funds issued on behalf of the company can be ensured, thereby ensuring the interests of merchants.

Further, wherein, the method further includes:

If the payee account has not been filed, the record information corresponding to the payee account is generated based on the foreign exchange settlement transaction data, so as to realize fund issuance to the payee based on the record information and the foreign exchange settlement quota information . In this way, it can be ensured that the reporting entity of the foreign exchange settlement business matches the actual recipient of the domestic agent issuance, and the accuracy of the fund issuance quota can be ensured.

Further, wherein, the method further includes:

After receiving the agent issuing instruction on the payee account, the agent issuance of funds is realized to the corresponding payee account. In this way, funds are issued on behalf of funds through command triggering to prevent the automatic false issuance of funds.

Further, wherein, the realization of fund distribution to the corresponding payee includes:

Based on the filing information corresponding to the payee account number, verifying the payee account number and corresponding fund issuing quota information;

When the verification is passed, the fund issuance is realized to the corresponding payee account based on the payee account number and the corresponding fund issuing quota information. In this way, the fund issuance will only be realized after the verification is passed, which ensures the safety of fund issuance.

Further, the method further includes: receiving a successful foreign exchange settlement instruction sent by a financial institution; and acquiring foreign exchange settlement transaction data based on the successful foreign exchange settlement instruction. Through the successful instruction of the settlement, the settlement transaction data can be obtained more quickly, which improves the processing efficiency.

Further, wherein, when said acquiring exchange settlement transaction data based on the successful exchange settlement instruction includes:

Acquiring the foreign exchange settlement application instruction corresponding to the successful foreign exchange settlement instruction; wherein the foreign exchange settlement application instruction is generated based on the foreign exchange settlement transaction data;

Based on the foreign exchange settlement application instruction, the foreign exchange settlement transaction data is determined. In this way, when the successful exchange settlement instruction does not directly contain the exchange settlement transaction data, it can be obtained by obtaining the corresponding exchange settlement application instruction to ensure the accuracy of the data.

Further, wherein the filing information includes at least: payee attribute information; summary foreign exchange quota information and/or single foreign exchange settlement quota information. The payee and the corresponding amount information can be accurately determined through the filing information.

According to another aspect of the present application, there is also provided a computer-readable medium having computer-readable instructions stored thereon, and the computer-readable instructions can be executed by a processor to implement the foregoing method.

According to another aspect of the present application, there is also provided a device for proxy verification, wherein the device includes:

One or more processors; and

A memory storing computer-readable instructions, which when executed, cause the processor to perform the operations of the foregoing method.

Compared with the prior art, this application obtains the settlement transaction data, which includes the payee account number, and then verifies whether the payee account number is filed. If the payee account number has been filed, based on The said foreign exchange settlement transaction data adds corresponding foreign exchange settlement quota information to the record information corresponding to the recipient's account, so as to realize fund issuance to the recipient account based on the foreign exchange settlement quota information. In this way, foreign exchange settlement can be guaranteed The reporting entity of the business matches the actual recipient of the domestic agent, thus avoiding the situation that funds cannot be traced back and false transactions.

Moreover, this application will also verify the payee account number and corresponding fund issuance quota information based on the record information corresponding to the payee account number. When the verification is passed, based on the payee account number and corresponding fund agent Send the quota information to the corresponding payee account to realize the fund issuance. In this way, the accuracy of the beneficiary and the amount of funds issued on behalf of the recipient can be ensured, and the situation of false fund issuing can be avoided.

Description of the drawings

By reading the detailed description of the non-limiting embodiments with reference to the following drawings, other features, purposes and advantages of the present invention will become more apparent:

Figure 1 shows a flow chart of a method for proxy verification according to an aspect of the present application;

FIG. 2 shows a schematic flow diagram of implementing the entire business process including proxy verification according to a preferred embodiment of the present application;

Fig. 3 shows a schematic diagram of a device for proxy verification according to another aspect of the present application.

The same or similar reference signs in the drawings represent the same or similar components.

detailed description

The present invention will be further described in detail below in conjunction with the accompanying drawings.

In a typical configuration of this application, the terminal, the device of the service network, and the trusted party all include one or more processors (CPU), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include non-transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

In order to further illustrate the technical means adopted by this application and the effects achieved, the technical solutions of this application will be described clearly and completely in conjunction with the accompanying drawings and preferred embodiments.

Figure 1 shows a flow chart of a method for proxy verification provided by one aspect of the present application. The method is executed on the device 1 and is applied to a payment platform. The method includes the following steps:

S11 obtains foreign exchange settlement transaction data, where the foreign exchange settlement transaction data includes the payee account number;

S12 verifies whether the account of the payee is recorded;

S13 If the payee account has been filed, add corresponding foreign exchange settlement quota information to the record information corresponding to the payee account based on the foreign exchange settlement transaction data, so as to send the payee account to the payee account based on the foreign exchange settlement quota information Realize fund issuance.

In this embodiment, in the step S11, the device 1 obtains foreign exchange settlement transaction data, and the foreign exchange settlement transaction data includes the payee account number. Here, the device 1 includes, but is not limited to, a computer, a network host, a single network server, a set of multiple network servers, or a cloud composed of multiple servers; here, the cloud is composed of a large number of computers or networks based on Cloud Computing. Server structure, among them, cloud computing is a kind of distributed computing, a virtual supercomputer composed of a group of loosely coupled computer sets.

Wherein, the foreign exchange settlement transaction data is information used by financial institutions for foreign exchange settlement, and the foreign exchange settlement transaction data includes, but is not limited to: transaction amount information, payee related information, order number, etc. The foreign exchange settlement transaction data may be generated when the device 1 applies to the corresponding financial institution for foreign exchange settlement, so that the corresponding financial institution performs foreign exchange settlement processing based on the foreign exchange settlement transaction data. Specifically, the financial institution may first perform the foreign exchange settlement transaction data After verification, the corresponding funds are settled to the account of the device 1 based on the corresponding transaction amount information.

Among them, the foreign exchange settlement transaction data can be generated based on the user's order information. For example, if the platform corresponding to Device 1 cooperates with a merchant, when an overseas user logs in to an overseas shopping platform to place an order, the order information will be generated and sent to the merchant, and the merchant will send it to Device 1. The corresponding platform sends a foreign exchange settlement application, where the foreign exchange settlement application contains order information, and the device 1 can generate foreign exchange settlement transaction data based on the order information and send it to the corresponding financial institution, for example, a bank that cooperates with the platform corresponding to the device 1 for foreign exchange settlement .

Preferably, wherein said acquiring foreign exchange settlement transaction data includes: receiving a successful foreign exchange settlement instruction sent by a financial institution; acquiring foreign exchange settlement transaction data based on the successful foreign exchange settlement instruction. Specifically, the financial institution sends a successful foreign exchange settlement instruction to the device 1 after a successful foreign exchange settlement. The successful foreign exchange settlement instruction contains the foreign exchange settlement transaction data. Therefore, the successful combination instruction sent by the financial institution may contain the foreign exchange settlement transaction data.

Preferably, the obtaining of exchange settlement transaction data based on the successful exchange settlement instruction includes:

Obtain the foreign exchange settlement application instruction corresponding to the successful foreign exchange settlement instruction; wherein the foreign exchange settlement application instruction is generated based on the foreign exchange settlement transaction data; and the foreign exchange settlement transaction data is determined based on the foreign exchange settlement application instruction. In this embodiment, when the successful foreign exchange settlement instruction does not include foreign exchange settlement transaction data, the corresponding foreign exchange settlement application instruction can also be found based on the successful foreign exchange settlement instruction, and the foreign exchange settlement application instruction is used to determine the foreign exchange settlement transaction data.

Continuing in this embodiment, in the step S12, the device 1 checks whether the payee account number is on file. The specific verification method can be performed by matching and searching in the device 1, for example, searching locally whether the payee account exists. When the payee account exists, the payee account has been put on record. The existence of the beneficiary account means that it has not been filed.

In this embodiment, the timing of filing for the payee can be implemented based on preset conditions. For example, the device 1 may verify whether the payee has filed after receiving a successful foreign exchange settlement instruction sent by a financial institution, that is, in the financial After the institution settles the funds to the platform corresponding to the device 1, it then verifies the payee who needs to be issued on behalf of, in this way, the efficiency of the entire exchange settlement and on behalf of the issuing can be improved.

In addition, the filing timing of the payee can also be verified after the device 1 obtains the foreign exchange settlement transaction data, so that the payee's filing status can be determined in the first time.

Preferably, wherein, when the preset condition includes receiving a successful foreign exchange settlement instruction sent by a financial institution, the method further includes: receiving a successful foreign exchange settlement instruction returned by the financial institution based on the foreign exchange settlement application instruction; corresponding to the successful foreign exchange settlement instruction The foreign exchange settlement application instruction to confirm the settlement transaction data.

In this embodiment, the time for filing and verification of the payee is when a successful exchange settlement instruction sent by a financial institution is received, that is, when the instruction is received, the corresponding financial institution has settled the funds corresponding to the foreign exchange settlement quota to the device 1 corresponds to the platform, where the financial institution settles the foreign exchange after receiving the foreign exchange settlement application instruction sent by the device 1. Therefore, the corresponding foreign exchange settlement application instruction can be found through the successful foreign exchange settlement instruction, where the foreign exchange settlement application instruction contains Foreign exchange settlement transaction data, so that the foreign exchange settlement transaction data can be determined through the foreign exchange settlement application instruction.

In this application, the filing refers to the existence of storage records of the relevant information of the payee, and the corresponding filing information will be stored after the payee is filing. Preferably, the filing information includes but is not limited to: Party attribute information; summarizes foreign exchange quota information and/or single foreign exchange settlement quota information. Wherein, the attribute information of the payee includes but is not limited to: the identity authentication information of the payee; the account information of the payee, for example, the attribute information includes but is not limited to account name, certificate type, and certificate number , Bank name, account branch name, bank card number, mobile phone number, etc. The record information may also include record number, creation time, account status information, customer type, province, city, etc. Among them, a single foreign exchange settlement quota refers to the corresponding quota information after each foreign exchange settlement is completed, and the summary foreign exchange quota information refers to the total quota information after multiple foreign exchange settlements are completed.

Specifically, based on the settlement transaction data to verify whether the payee is registered or not, the relevant information related to the payee in the settlement transaction data can be matched in the stored record information, for example, by The corresponding account information of the party is matched with the account in the stored filing information to see if the corresponding account can be found. If it is found, it means that the payee has been filed. Or, in order to have higher matching accuracy, multiple related information of the payee can also be matched in the stored filing information, and only when the multiple related information is all matched, the payee is determined to have been filed. Here, the above method of verifying whether the payee is registered based on the transaction data of foreign exchange settlement is only an example. Other existing or possible future verification methods should also be included in the scope of protection of this application if applicable to this application. Inside, here, included here by reference.

Continuing in this embodiment, in the step S13, if the payee account has been filed, based on the exchange settlement transaction data, the corresponding exchange settlement quota information is added to the record information corresponding to the payee account to Based on the foreign exchange settlement quota information, the fund issuance is realized to the payee account.

In this embodiment, if it is detected that the payee has been filed, the current foreign exchange settlement quota information will be added to the record information. For the payee account that was filed for the first time, the added current foreign exchange settlement quota information is the receipt The total amount of foreign exchange settlement information of the payer. For payee accounts that are not initially filed, the current foreign exchange settlement quota information will be added to the original summary foreign exchange quota information.

Preferably, wherein the method further includes S14 (not shown), when the payee account is not filed, the device 1 generates the record information corresponding to the payee account based on the exchange settlement transaction data to Based on the record information and the foreign exchange settlement quota information, funds are issued on behalf of the payee account.

If the device 1 detects that the payee account has not been filed, it will generate the record information corresponding to the payee account and the foreign exchange settlement limit information based on the information related to the payee account in the settlement transaction data, so as to realize the fund issuance. , Can be realized based on the filing information and the foreign exchange settlement quota information.

Preferably, the method further includes: S15 (not shown), after the device 1 receives a proxy issuance instruction on the payee account, implement the proxy issuance of funds to the corresponding payee account.

In this embodiment, the proxy issuance instruction includes corresponding payee account information to trigger the proxy issuance of funds to the payee account. Here, the proxy issuance instruction can be triggered by and It is realized by the merchants that the platform corresponding to device 1 cooperates with. Wherein, the agent issuing instruction can be triggered after the settlement limit of the payee's account is increased. Preferably, the agent issuing instruction includes the account information of the payee and/or the fund issuing quota information. Specifically, the corresponding funds may be issued to the corresponding payee based on the fund issuing quota information.

Preferably, wherein said implementing the fund issuing to the corresponding payee account includes: verifying the account corresponding to the payee and the corresponding fund issuing quota based on the filing information corresponding to the payee account Information; when the verification is passed, based on the payee account and corresponding fund issuing quota information to the corresponding payee account to realize the fund issuing.

In this embodiment, the payee account can be verified before the fund issuance on behalf of the payee account. Specifically, since the payee’s attribute information and foreign exchange settlement amount information are already stored in the record information, the current issue instruction contains When the beneficiary account number and the corresponding fund issuance quota are compared, the beneficiary account number and corresponding fund issuance quota in the issuance instruction can be compared with the beneficiary account number and fund issuance quota in the record information. When the account number of the payment party is the same and the fund issuance quota in the filing information is not less than the fund issuance quota in the issuance instruction, the verification is passed.

Further, the device 1 may implement fund issuing to the corresponding payee account based on the account corresponding to the payee and the corresponding fund issuing quota information, that is, the corresponding funds are settled to the payee.

As shown in Figure 2, in a preferred embodiment of the present application, the entire business process including agent issuance verification is implemented, and there are three main parts: the foreign exchange settlement processing process, the collection account filing process, and the fund issuing process.

For the part of the settlement processing process, it mainly involves overseas users, platform merchants, platforms and cooperative banks. Overseas users can log in to the overseas shopping platform to purchase goods and place an order, and then send the order details to the platform merchants, and the foreign exchange settlement can be withdrawn through the order details Transaction data. After receiving the order details, the platform merchant will initiate a foreign exchange settlement to the platform, that is, submit a settlement request to the platform, and then the platform will send the instruction corresponding to the request to the partner bank, and further, the partner bank will send the foreign exchange settlement transaction to the platform Detailed documents, and conduct transaction details anti-money laundering screening, and then feedback the screening results to the platform. Then, the platform initiates an application for settlement of foreign exchange to the cooperative bank and submits the corresponding document for the transaction. Correspondingly, the cooperative bank accepts the application for settlement of foreign exchange, performs verification and settles the funds to the platform account. Preferably, the cooperative bank also returns to the platform The settlement is successful, and the settlement processing ends.

In the receiving account filing stage, after the platform receives the bank’s instruction for successful settlement of foreign exchange, it will verify the payee account number in the settlement transaction data to determine whether the payee account has been filed. If the payee account has been filed , Adding corresponding foreign exchange settlement quota information to the record information corresponding to the payee account based on the foreign exchange settlement transaction data; if the payee account is not filed, generate the corresponding payee account based on the foreign exchange settlement transaction data The filing information of, based on the filing information and the foreign exchange settlement quota information, to realize the payment of funds on behalf of the payee.

For the fund issuing process stage, after receiving the issuing instruction on the payee account, verify the payee account number and corresponding fund issuing quota information based on the filing information corresponding to the payee account , When the verification is passed, based on the payee account number and the corresponding fund issuance quota information, the funds are sent to the corresponding payee account and return the proxy issuance success message; when the verification fails, the proxy issuance failure message is returned .

In addition, the embodiments of the present application also provide a computer-readable medium having computer-readable instructions stored thereon, and the computer-readable instructions can be executed by a processor to implement the foregoing method.

An embodiment of the present application also provides a device for proxy verification, where the device includes:

One or more processors; and

For example, when the computer-readable instructions are executed, the one or more processors: obtain the settlement transaction data, the settlement transaction data including the account number of the payee; verify whether the account of the payee is filed; if said The payee account has been filed, and based on the foreign exchange settlement transaction data, the corresponding foreign exchange settlement quota information is added to the record information corresponding to the payee account, so as to realize fund generation to the payee account based on the foreign exchange settlement quota information.

Figure 3 shows a schematic diagram of a device for proxy verification provided in another aspect of the present application. , The equipment includes the following devices:

The first device 11 is configured to obtain foreign exchange settlement transaction data, where the foreign exchange settlement transaction data includes the payee account number;

The second device 12 is used to verify whether the payee account number is for record;

The third device 13 is configured to, if the payee account has been filed, add corresponding foreign exchange settlement quota information to the record information corresponding to the payee account based on the foreign exchange settlement transaction data, so as to provide information based on the foreign exchange settlement quota information The account of the beneficiary realizes fund distribution.

In this embodiment, the first device 11 of the device 1 obtains foreign exchange settlement transaction data, and the foreign exchange settlement transaction data includes the payee account number. Here, the device 1 includes, but is not limited to, a computer, a network host, a single network server, a set of multiple network servers, or a cloud composed of multiple servers; here, the cloud is composed of a large number of computers or networks based on Cloud Computing. Server structure, among them, cloud computing is a kind of distributed computing, a virtual supercomputer composed of a group of loosely coupled computer sets.

Continuing in this embodiment, the second device 12 of the device 1 verifies whether the account of the payee is registered. The specific verification method can be performed by matching and searching in the second device 12 device 1, for example, searching locally whether the payee account exists, and when the payee account exists, the payee account is already Filing, if the payee account does not exist, it means not filing.

In this embodiment, the timing of filing for the payee can be implemented according to preset conditions. For example, the second device 12 of the device 1 can verify whether the payee is successful after receiving a successful exchange settlement instruction sent by a financial institution Filing means that after the financial institution settles the funds to the platform corresponding to the device 1, the payee who needs to be issued is verified. In this way, the efficiency of the entire foreign exchange settlement and issuance can be improved.

In addition, the filing timing for the payee can also be when the device 1 obtains the foreign exchange settlement transaction data, the second device 12 verifies whether the payee has filed, so that the payee's filing status can be determined in the first time .

Specifically, based on the settlement transaction data to verify whether the payee is registered or not, the relevant information related to the payee in the settlement transaction data can be matched in the stored record information, for example, by The corresponding account information of the party is matched with the account in the stored filing information to see if the corresponding account can be found. If it is found, it means that the payee has been filed. Or, in order to have higher matching accuracy, multiple related information of the payee can be matched in the stored filing information. When multiple related information is all matched, it is determined that the payee has been filed. Here, the above method of verifying whether the payee is registered based on the transaction data of foreign exchange settlement is only an example. Other existing or possible future verification methods should also be included in the scope of protection of this application if applicable to this application. Inside, here, included here by reference.

Continuing in this embodiment, if the payee account has been filed, the third device of the device 1 is configured to add a corresponding foreign exchange settlement quota to the record information corresponding to the payee account based on the settlement transaction data Information, based on the foreign exchange settlement quota information, to realize fund issuing to the payee account.

In this embodiment, if the third device 13 detects that the payee has been filed, it will add the current foreign exchange settlement quota information to the filed information. For the first filed payee account, the increase for this time The foreign exchange settlement quota information is the total foreign exchange settlement quota information of the payee. For payee accounts that are not initially filed, the current foreign exchange settlement quota information will be added to the original summary foreign exchange quota information.

Preferably, wherein, the device further includes: a fourth device 14 (not shown), which is used for when the payee account has not been filed, the fourth device 14 of the device 1 generates a transaction data based on the settlement transaction data. The filing information corresponding to the payee account is used to implement fund issuing to the payee account based on the filing information and the foreign exchange settlement quota information.

If the device 1 detects that the payee account has not been filed, the fourth device 14 will generate the record information corresponding to the payee account and the foreign exchange settlement quota information based on the information related to the payee account in the settlement transaction data, so as to achieve When the funds are issued on behalf, it can be realized based on the record information and the foreign exchange settlement quota information.

Preferably, the device further includes: a fifth device 14 (not shown), when receiving a proxy issuance instruction on the payee account, implements the proxy issuance of funds to the corresponding payee account.

For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and the present invention can be implemented in other specific forms without departing from the spirit or basic characteristics of the present invention. Therefore, from any point of view, the embodiments should be regarded as exemplary and non-limiting. The scope of the present invention is defined by the appended claims rather than the above description, and therefore it is intended to fall within the claims. All changes within the meaning and scope of equivalent elements of are included in the present invention. Any reference signs in the claims should not be regarded as limiting the claims involved. In addition, it is obvious that the word "including" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the device claims can also be implemented by one unit or device through software or hardware. Words such as first and second are used to denote names, but do not denote any specific order.

Claims

A method for proxy verification, applied to a payment platform, characterized in that the method includes:

Acquiring foreign exchange settlement transaction data, where the foreign exchange settlement transaction data includes the payee account number;

Check whether the account of the payee is filed;

If the payee account has been filed, add corresponding exchange settlement quota information to the record information corresponding to the payee account based on the foreign exchange settlement transaction data, so as to realize the transfer to the payee account based on the foreign exchange settlement quota information Fund issuance.
The method according to claim 1, wherein the method further comprises:

If the payee account has not been filed, the record information corresponding to the payee account is generated based on the foreign exchange settlement transaction data, so as to realize the funds on behalf of the payee account based on the record information and the foreign exchange settlement quota information. hair.
The method according to claim 2, wherein the method further comprises:

After receiving the commissioning instruction on the payee account, the commissioning of funds is realized to the corresponding payee account.
The method according to claim 3, wherein said implementing the fund issuing to the corresponding payee account comprises:

Based on the filing information corresponding to the payee account number, verifying the payee account number and corresponding fund issuing quota information;

When the verification is passed, the fund issuance is realized to the corresponding payee account based on the payee account number and the corresponding fund issuing quota information.
The method according to any one of claims 1 to 4, wherein said obtaining the foreign exchange settlement transaction data comprises:

Receive successful foreign exchange settlement instructions sent by financial institutions;

Obtain the exchange settlement transaction data based on the successful exchange settlement instruction.
5. The method according to claim 5, wherein said obtaining exchange settlement transaction data based on the successful exchange settlement instruction comprises:

Obtain a foreign exchange settlement application instruction corresponding to a successful foreign exchange settlement instruction; wherein the foreign exchange settlement application instruction is generated based on the foreign exchange settlement transaction data; and the foreign exchange settlement transaction data is determined based on the foreign exchange settlement application instruction.
The method according to any one of claims 1 to 6, wherein the record information includes at least:

Attribute information of the payee;

Summarize foreign exchange quota information and/or single foreign exchange settlement quota information.
A computer-readable medium having computer-readable instructions stored thereon, and the computer-readable instructions can be executed by a processor to implement the method according to any one of claims 1 to 7.
A device for proxy verification, wherein the device includes:

One or more processors; and

A memory storing computer-readable instructions, which when executed, cause the processor to perform the operation of the method according to any one of claims 1 to 7.