CN109784897A - A kind of cross-border settlement system and method - Google Patents
A kind of cross-border settlement system and method Download PDFInfo
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Abstract
The invention discloses a kind of cross-border settlement system and method, system includes webpage front-end, management backstage and upstream AM access module, and method includes: the cross-border application request of transferring accounts that management backstage receives webpage front-end；Management backstage carries out second processing according to cross-border application request of transferring accounts, and generates order application of transferring accounts, and the second processing includes auditing to cross-border application request of transferring accounts；The management backstage order application that will transfer accounts is sent to upstream AM access module, makes upstream AM access module that order application of transferring accounts is sent to banking system and the first processing result that banking system returns is sent to management backstage；Management backstage generates cross-border processing result of transferring accounts according to the first processing result, and cross-border processing result of transferring accounts is returned to webpage front-end.The cross-border cross-border payment and settlement function such as transfer accounts that the present invention realizes on line using webpage front-end, management backstage, upstream AM access module and internet is more efficiently and easy.It the composite can be widely applied to e-commerce field.
Description
Technical field
The present invention relates to e-commerce field, especially a kind of cross-border settlement system and method.
Background technique
Under current complicated severe foreign trade situation, traditional export trade model, which exists, depends on tradition sale, Mai Jiaqi unduly
Ask closing, the problems such as order period is long, profit margin is low, these problems are even more to restrict the hair of medium-sized and small enterprises foreign trade
Exhibition.And cross-border electric business is remolding medium-sized and small enterprises international trade chain as operation mode Internet-based；Cross-border electric business is beaten
External channel such as importer, whole seller, the retail trader even monopolization of retailer are broken under traditional export trade model, so that enterprise can be with
Directly facing individual whole seller, retailer, even direct consumer effectively reduces trade intermediate link and the circulation and transfer of goods
The intermediate link cost of cost, saving is promoted for enterprise accounting information and consumer obtains material benefit and provides possibility；Cross-border electric business
The money trip advantage that enterprise has cross-border trade gets through custom clearance by establishing the marketing system of mobile terminal, the end PC on complete line
Obstacle is docked, the efficiency of management is on the one hand effectively promoted, another aspect effectively promotes customer purchase experience, plays overseas direct selling well and protects
Tax mode.
In cross-border electric business, cross-border account settlement business, especially cross-border transferred account service is a very important component part.
The method that traditional cross-border transferred account service generally uses is: user (such as personal or enterprise) is to the cross-border payment of qualified third party
Operational agency files an application and submits corresponding data (such as personal identity card information, account information), the cross-border payment of third party
The personnel of operational agency are by manually auditing the data of submission, and after the approval by the cross-border payment transaction of third party
The personnel of mechanism manually take bank counter and handle, and this mode efficiency is lower and not easy enough, it is difficult to meet people to cross-border
The growing high request of transferred account service.
Summary of the invention
In order to solve the above technical problems, it is an object of the invention to: a kind of high-efficient and easy cross-border clearing system is provided
System and method.
One aspect of the present invention is adopted the technical scheme that:
A kind of cross-border settlement method, comprising the following steps:
Webpage front-end obtains cross-border application request of transferring accounts；
Webpage front-end by it is cross-border transfer accounts application request be sent to management backstage, make management backstage by upstream AM access module to
Banking system is initiated to transfer accounts order application and returns to webpage front-end, the first processing result packet after obtaining the first processing result
Banking system is included to the processing result for order application of transferring accounts；
Webpage front-end generates cross-border processing result of transferring accounts according to the first processing result.
Further, the webpage front-end obtains the step for cross-border application of transferring accounts is requested, and specifically includes:
Webpage front-end carries out user log-in authentication, to check the identity of user；
Webpage front-end obtains cross-border application information of transferring accounts, the cross-border application information of transferring accounts include subscriber identity information and across
Border is transferred accounts data；
Webpage front-end generates cross-border application request of transferring accounts according to cross-border application information of transferring accounts.
Further, cross-border application request of transferring accounts is sent to management backstage by the webpage front-end, passes through management backstage upper
Trip AM access module returns to this step of webpage front-end after transferring accounts order application and the first processing result of acquisition to banking system initiation
Suddenly, it specifically includes:
Cross-border application request of transferring accounts is sent to management backstage by webpage front-end；
Management backstage audits cross-border application request of transferring accounts, and is passing through upstream AM access module after the approval to silver
Row system initiates order application of transferring accounts；
Management backstage obtains the first processing result and the first processing result is returned to webpage front-end.
Further, the webpage front-end according to the first processing result generate it is cross-border transfer accounts processing result the step for, specifically
Include:
Webpage front-end is handled according to the first processing result, obtains cross-border processing result of transferring accounts；
Cross-border processing result of transferring accounts is notified user by webpage front-end.
Another aspect of the present invention is adopted the technical scheme that:
A kind of cross-border settlement method, comprising the following steps:
Management backstage receives the cross-border application request of transferring accounts of webpage front-end；
Management backstage carries out second processing according to cross-border application request of transferring accounts, and generation is transferred accounts order application, at described second
Reason includes auditing to cross-border application request of transferring accounts；
The management backstage order application that will transfer accounts is sent to upstream AM access module, makes upstream AM access module that will transfer accounts order application
It is sent to banking system and the first processing result that banking system returns is sent to management backstage, the first processing result packet
Banking system is included to the processing result for order application of transferring accounts；
Management backstage generates cross-border processing result of transferring accounts according to the first processing result, and cross-border processing result of transferring accounts is returned
To webpage front-end.
Further, the management backstage carries out second processing according to cross-border application request of transferring accounts, and generates order application of transferring accounts
The step for, it specifically includes:
Management backstage audits cross-border application request of transferring accounts using the AI model of pre-training in advance, to audit cross-border transfer accounts
Apply for whether the data of request is complete；
Management backstage audits the data after pre- audit, with audit cross-border application request of transferring accounts data content whether
It meets the requirements；
The data that management backstage passes through according to audit generates order application of transferring accounts.
Further, the management backstage uses the web server based on JAVA SSH, and the management backstage specifically includes:
Cross-border order inquiring unit, for inquiring cross-border order information；
Cross-border order inquiring unit of transferring accounts, for inquiring cross-border order information of transferring accounts；
Cross-border exchange rate setting unit of transferring accounts, for managing buying in rate or selling rate for foreign exchange currency；
Cross-border transferred account service configuration unit, for configuring the cross-border transferred account service information of user；
Cross-border order processing unit of transferring accounts, for checking and correcting or updates；
Whether cross-border order form prejudication nuclear unit of transferring accounts is complete for auditing data in advance；
Cross-border order audit unit of transferring accounts, whether the content for the data of auditing meet the requirements, and by cross-border order of transferring accounts
Become audit state；
The cross-border turn that Transfers goes out configuration unit, and the cross-border turn that Transfers for configuring user goes out information.
Another aspect of the present invention is adopted the technical scheme that:
A kind of cross-border settlement method, comprising the following steps:
Upstream AM access module receives the order application of transferring accounts that management backstage is sent；
The AM access module order application that will transfer accounts in upstream is sent to banking system, so that banking system is carried out the first processing, obtains
First processing result, first processing result include processing result of the banking system to order application of transferring accounts；
Upstream AM access module receives and the first processing result is returned to management backstage, makes management backstage according to the first processing
As a result it generates cross-border transfer accounts and processing result and cross-border processing result of transferring accounts is sent to webpage front-end.
Further, the banking system according to transfer accounts order application carry out first processing, obtain the first processing result this
Step, specifically:
Whether the data of banking system audit order application complete, whether material form of order application meets the requirements and
Whether the data content of order application meets the cross-border requirement transferred accounts, to obtain the first processing result.
Another aspect of the present invention is adopted the technical scheme that:
A kind of cross-border settlement system, including webpage front-end, management backstage and upstream AM access module, wherein before the webpage
End includes:
Acquiring unit, for obtaining cross-border application request of transferring accounts；
First transmission unit makes management backstage pass through upstream for cross-border application request of transferring accounts to be sent to management backstage
AM access module returns to webpage front-end after transferring accounts order application and the first processing result of acquisition to banking system initiation；
First generation unit, for generating cross-border processing result of transferring accounts according to the first processing result；
The management backstage includes:
First receiving unit, for receiving the cross-border application request of transferring accounts of webpage front-end；
Second generation unit generates order application of transferring accounts, institute for carrying out second processing according to cross-border application request of transferring accounts
Stating second processing includes auditing to cross-border application request of transferring accounts；
Second transmission unit, for that will transfer accounts, order application is sent to upstream AM access module, turn upstream AM access module will
Account order application is sent to banking system and the first processing result that banking system returns is sent to management backstage；
Third generation unit, for generating cross-border processing result of transferring accounts according to the first processing result, and by the cross-border place that transfers accounts
Reason result returns to webpage front-end；
The upstream AM access module includes:
Second receiving unit, for receiving the order application of transferring accounts of management backstage transmission；
Third sending module, for that will transfer accounts, order application is sent to banking system, and banking system is made to carry out the first processing,
Obtain the first processing result；
Reception and return unit receive for upstream AM access module and the first processing result are returned to management backstage, make
Management backstage generates the cross-border processing result and before cross-border processing result of transferring accounts is sent to webpage of transferring accounts according to the first processing result
End, first processing result includes processing result of the banking system to order application of transferring accounts.
The beneficial effects of the present invention are: a kind of cross-border settlement system of the present invention and method, are obtained cross-border by webpage front-end
Application of transferring accounts is requested, and is audited by management backstage to cross-border application request of transferring accounts and generates order application of transferring accounts, by upper
The trip AM access module order application that will transfer accounts is sent to banking system, and obtains banking system to the processing knot for order application of transferring accounts
Fruit, the cross-border cross-border payment such as transfer accounts for realizing on line using webpage front-end, management backstage, upstream AM access module and internet
Settlement function, the mistake for eliminating personnel's manual examination and verification of the cross-border payment transaction mechanism of third party and manually being handled to bank counter
Journey is more efficiently and easy.
Detailed description of the invention
Fig. 1 is flow chart when a kind of cross-border settlement method of the present invention is used for webpage front-end；
Fig. 2 is flow chart when a kind of cross-border settlement method of the present invention is used for management backstage；
Fig. 3 is flow chart when a kind of cross-border settlement method of the present invention is used for upstream AM access module；
Fig. 4 is a kind of structural block diagram of cross-border settlement system of the present invention；
System architecture diagram of the Fig. 5 between the cross-border settlement system of the specific embodiment of the invention and user and banking system；
Fig. 6 is the interaction timing diagram of the cross-border settlement method of the specific embodiment of the invention.
Specific embodiment
Referring to Fig.1, the embodiment of the invention provides a kind of cross-border settlement methods, are used for webpage front-end, comprising the following steps:
Webpage front-end obtains cross-border application request of transferring accounts；
Webpage front-end by it is cross-border transfer accounts application request be sent to management backstage, make management backstage by upstream AM access module to
Banking system is initiated to transfer accounts order application and returns to webpage front-end, the first processing result packet after obtaining the first processing result
Banking system is included to the processing result for order application of transferring accounts；
Webpage front-end generates cross-border processing result of transferring accounts according to the first processing result.
Specifically, webpage front-end is mainly used for the cross-border application request of transferring accounts of user's submission.Cross-border application request of transferring accounts can lead to
The cross-border transfer request table that user fills in is crossed to realize, the ID card information filled in the table including user, Bank Account Number,
The information such as mobile phone.Webpage front-end is also used to be handled according to the first processing result of banking system, obtains cross-border processing of transferring accounts
As a result (successfully, unsuccessfully etc.).Webpage front-end can be HTM5 webpage, and user can be accessed by browser.
The cross-border application request of transferring accounts that management backstage is mainly used for submitting webpage front-end is audited, and (purpose is to increase silver
The success rate that row examination & approval pass through), upstream AM access module is being submitted to after the approval, and obtains the first processing knot of banking system
Fruit (i.e. whether bank's examination & approval pass through).Management backstage based on the web server of JAVA SSH using being realized, with webpage front-end
(client) constitutes B/S framework.Management backstage is runed and is safeguarded by the cross-border payment transaction mechanism of qualified third party.
Upstream AM access module is mainly used for realizing docking for management backstage and banking system, to send out from trend banking system
It plays cross-border transfer accounts and order and obtains banking system to the processing result of the order (such as examination & approval pass through, do not pass through).Upstream access
Interface with information transmit-receive function or module can be used to realize in module.
Banking system is mainly responsible for the examination & approval to cross-border order of transferring accounts, alternative bank counter.Banking system is by silver
Row carry out O&M, it can be achieved that existing bank counter function.
By above content as it can be seen that the present embodiment is real by webpage front-end, management backstage, upstream AM access module and internet
Cross-border cross-border payment and settlement function, the personnel for eliminating the cross-border payment transaction mechanism of third party such as transfer accounts for having showed on line manually examine
Core and the process manually handled to bank counter are more efficiently and easy.
It is further used as preferred embodiment, the webpage front-end obtains the step for cross-border application of transferring accounts is requested, tool
Body includes:
Webpage front-end carries out user log-in authentication, to check the identity of user；
Webpage front-end obtains cross-border application information of transferring accounts, the cross-border application information of transferring accounts include subscriber identity information and across
Border is transferred accounts data；
Webpage front-end generates cross-border application request of transferring accounts according to cross-border application information of transferring accounts.
Specifically, cross-border application information of transferring accounts can be provided by being exclusively used in the cross-border table transferred accounts, and be filled out by user's downloading
Webpage front-end is uploaded after writing.Cross-border application information of transferring accounts can also include the user images of captured in real-time, user identity card scanning
The cross-border required content of transferring accounts such as part, business license scanned copy (i.e. cross-border data of transferring accounts).
It is further used as preferred embodiment, after cross-border application request of transferring accounts is sent to management by the webpage front-end
Platform returns after so that management backstage is transferred accounts order application and the first processing result of acquisition to banking system initiation by upstream AM access module
It the step for back to webpage front-end, specifically includes:
Cross-border application request of transferring accounts is sent to management backstage by webpage front-end；
Management backstage audits cross-border application request of transferring accounts, and is passing through upstream AM access module after the approval to silver
Row system initiates order application of transferring accounts；
Management backstage obtains the first processing result and the first processing result is returned to webpage front-end.
It is further used as preferred embodiment, the webpage front-end generates cross-border processing of transferring accounts according to the first processing result
As a result the step for, specifically includes:
Webpage front-end is handled according to the first processing result, obtains cross-border processing result of transferring accounts；
Cross-border processing result of transferring accounts is notified user by webpage front-end.
Specifically, after webpage front-end gets the first processing result, the first processing result can be parsed and is identified, be obtained
The information by application request of transferring accounts whether is examined to bank, and can notify to use by way of short message in pop-up, dispatching station
Family.
As shown in Fig. 2, being used for management backstage, including following the embodiment of the invention also provides a kind of cross-border settlement method
Step:
Management backstage receives the cross-border application request of transferring accounts of webpage front-end；
Management backstage carries out second processing according to cross-border application request of transferring accounts, and generation is transferred accounts order application, at described second
Reason includes auditing to cross-border application request of transferring accounts；
The management backstage order application that will transfer accounts is sent to upstream AM access module, makes upstream AM access module that will transfer accounts order application
It is sent to banking system and the first processing result that banking system returns is sent to management backstage, the first processing result packet
Banking system is included to the processing result for order application of transferring accounts；
Management backstage generates cross-border processing result of transferring accounts according to the first processing result, and cross-border processing result of transferring accounts is returned
To webpage front-end.
Specifically, webpage front-end is mainly used for the cross-border application request of transferring accounts of user's submission.Cross-border application request of transferring accounts can lead to
The cross-border transfer request table that user fills in is crossed to realize, the ID card information filled in the table including user, Bank Account Number,
The information such as mobile phone.Webpage front-end is also used to be handled according to the first processing result of banking system, obtains cross-border processing of transferring accounts
As a result (successfully, unsuccessfully etc.).Webpage front-end can be HTM5 webpage, and user can be accessed by browser.
The cross-border application request of transferring accounts that management backstage is mainly used for submitting webpage front-end is audited, and (purpose is to increase silver
The success rate that row examination & approval pass through), upstream AM access module is being submitted to after the approval, and obtains the first processing knot of banking system
Fruit (i.e. whether bank's examination & approval pass through).Management backstage based on the web server of JAVA SSH using being realized, with webpage front-end
(client) constitutes B/S framework.Management backstage is runed and is safeguarded by the cross-border payment transaction mechanism of qualified third party.
Upstream AM access module is mainly used for realizing docking for management backstage and banking system, to send out from trend banking system
It plays cross-border transfer accounts and order and obtains banking system to the processing result of the order (such as examination & approval pass through, do not pass through).Upstream access
Interface with information transmit-receive function or module can be used to realize in module.
Banking system is mainly responsible for the examination & approval to cross-border order of transferring accounts, alternative bank counter.Banking system is by silver
Row carry out O&M, it can be achieved that existing bank counter function.
By above content as it can be seen that the present embodiment is real by webpage front-end, management backstage, upstream AM access module and internet
Cross-border cross-border payment and settlement function, the personnel for eliminating the cross-border payment transaction mechanism of third party such as transfer accounts for having showed on line manually examine
Core and the process manually handled to bank counter are more efficiently and easy.
It is further used as preferred embodiment, the management backstage carries out at second according to cross-border application request of transferring accounts
Reason generates the step for transferring accounts order application, specifically includes:
Management backstage audits cross-border application request of transferring accounts using the AI model of pre-training in advance, to audit cross-border transfer accounts
Apply for whether the data of request is complete；
Management backstage audits the data after pre- audit, with audit cross-border application request of transferring accounts data content whether
It meets the requirements；
The data that management backstage passes through according to audit generates order application of transferring accounts.
Specifically, management backstage can be used by the AI models of the pre-training such as machine learning to cross-border application of transferring accounts request into
The pre- audit of row, whether complete with the data of the cross-border application request of transferring accounts of preliminary audit survey, whether form, which meets the requirements, (is such as filled in format
Or upload whether file format standardizes) etc..This specific embodiment using AI model come by the way of replacing manual examination and verification, greatly
Improve the efficiency of examination & approval.
Data after pre- audit is audited, mainly audits whether the cross-border data content etc. for transferring accounts application request accords with
The relevant regulations (whether such as application main body meets the requirements, applies for whether the amount of money is in excess of the quota) of cross-border requirement of transferring accounts are closed, and
When undesirable set of content is changed and is modified, promote bank and examine the success rate that passes through.
It is further used as preferred embodiment, the management backstage uses the web server based on JAVA SSH, described
Management backstage specifically includes:
Cross-border order inquiring unit, for inquiring cross-border order information；
Cross-border order inquiring unit of transferring accounts, for inquiring cross-border order information of transferring accounts；
Cross-border exchange rate setting unit of transferring accounts, for managing buying in rate or selling rate for foreign exchange currency；
Cross-border transferred account service configuration unit, for configuring the cross-border transferred account service information of user；
Cross-border order processing unit of transferring accounts, for checking and correcting or updates；
Whether cross-border order form prejudication nuclear unit of transferring accounts is complete for auditing data in advance；
Cross-border order audit unit of transferring accounts, whether the content for the data of auditing meet the requirements, and by cross-border order of transferring accounts
Become audit state；
The cross-border turn that Transfers goes out configuration unit, and the cross-border turn that Transfers for configuring user goes out information.
As shown in figure 3, being used for upstream AM access module, including following step the present invention also provides a kind of cross-border settlement method
It is rapid:
Upstream AM access module receives the order application of transferring accounts that management backstage is sent；
The AM access module order application that will transfer accounts in upstream is sent to banking system, so that banking system is carried out the first processing, obtains
First processing result, first processing result include processing result of the banking system to order application of transferring accounts；
Upstream AM access module receives and the first processing result is returned to management backstage, makes management backstage according to the first processing
As a result it generates cross-border transfer accounts and processing result and cross-border processing result of transferring accounts is sent to webpage front-end.
Specifically, webpage front-end is mainly used for the cross-border application request of transferring accounts of user's submission.Cross-border application request of transferring accounts can lead to
The cross-border transfer request table that user fills in is crossed to realize, the ID card information filled in the table including user, Bank Account Number,
The information such as mobile phone.Webpage front-end is also used to be handled according to the first processing result of banking system, obtains cross-border processing of transferring accounts
As a result (successfully, unsuccessfully etc.).Webpage front-end can be HTM5 webpage, and user can be accessed by browser.
The cross-border application request of transferring accounts that management backstage is mainly used for submitting webpage front-end is audited, and (purpose is to increase silver
The success rate that row examination & approval pass through), upstream AM access module is being submitted to after the approval, and obtains the first processing knot of banking system
Fruit (i.e. whether bank's examination & approval pass through).Management backstage based on the web server of JAVA SSH using being realized, with webpage front-end
(client) constitutes B/S framework.Management backstage is runed and is safeguarded by the cross-border payment transaction mechanism of qualified third party.
Upstream AM access module is mainly used for realizing docking for management backstage and banking system, to send out from trend banking system
It plays cross-border transfer accounts and order and obtains banking system to the processing result of the order (such as examination & approval pass through, do not pass through).Upstream access
Interface with information transmit-receive function or module can be used to realize in module.
Banking system is mainly responsible for the examination & approval to cross-border order of transferring accounts, alternative bank counter.Banking system is by silver
Row carry out O&M, it can be achieved that existing bank counter function.
By above content as it can be seen that the present embodiment is real by webpage front-end, management backstage, upstream AM access module and internet
Cross-border cross-border payment and settlement function, the personnel for eliminating the cross-border payment transaction mechanism of third party such as transfer accounts for having showed on line manually examine
Core and the process manually handled to bank counter are more efficiently and easy.
It is further used as preferred embodiment, the banking system carries out the first processing according to order application of transferring accounts, obtains
The step for the first processing result, specifically:
Whether the data of banking system audit order application complete, whether material form of order application meets the requirements and
Whether the data content of order application meets the cross-border requirement transferred accounts, to obtain the first processing result.
As shown in figure 4, the embodiment of the invention also provides a kind of cross-border settlement system, including webpage front-end, management backstage
With upstream AM access module, wherein the webpage front-end includes:
Acquiring unit, for obtaining cross-border application request of transferring accounts；
First transmission unit makes management backstage pass through upstream for cross-border application request of transferring accounts to be sent to management backstage
AM access module returns to webpage front-end after transferring accounts order application and the first processing result of acquisition to banking system initiation；
First generation unit, for generating cross-border processing result of transferring accounts according to the first processing result；
The management backstage includes:
First receiving unit, for receiving the cross-border application request of transferring accounts of webpage front-end；
Second generation unit generates order application of transferring accounts, institute for carrying out second processing according to cross-border application request of transferring accounts
Stating second processing includes auditing to cross-border application request of transferring accounts；
Second transmission unit, for that will transfer accounts, order application is sent to upstream AM access module, turn upstream AM access module will
Account order application is sent to banking system and the first processing result that banking system returns is sent to management backstage；
Third generation unit, for generating cross-border processing result of transferring accounts according to the first processing result, and by the cross-border place that transfers accounts
Reason result returns to webpage front-end；
The upstream AM access module includes:
Second receiving unit, for receiving the order application of transferring accounts of management backstage transmission；
Third sending module, for that will transfer accounts, order application is sent to banking system, and banking system is made to carry out the first processing,
Obtain the first processing result；
Reception and return unit receive for upstream AM access module and the first processing result are returned to management backstage, make
Management backstage generates the cross-border processing result and before cross-border processing result of transferring accounts is sent to webpage of transferring accounts according to the first processing result
End, first processing result includes processing result of the banking system to order application of transferring accounts.
Specifically, webpage front-end is mainly used for the cross-border application request of transferring accounts of user's submission.Cross-border application request of transferring accounts can lead to
The cross-border transfer request table that user fills in is crossed to realize, the ID card information filled in the table including user, Bank Account Number,
The information such as mobile phone.Webpage front-end is also used to be handled according to the first processing result of banking system, obtains cross-border processing of transferring accounts
As a result (successfully, unsuccessfully etc.).Webpage front-end can be HTM5 webpage, and user can be accessed by browser.
The cross-border application request of transferring accounts that management backstage is mainly used for submitting webpage front-end is audited, and (purpose is to increase silver
The success rate that row examination & approval pass through), upstream AM access module is being submitted to after the approval, and obtains the first processing knot of banking system
Fruit (i.e. whether bank's examination & approval pass through).Management backstage based on the web server of JAVA SSH using being realized, with webpage front-end
(client) constitutes B/S framework.Management backstage is runed and is safeguarded by the cross-border payment transaction mechanism of qualified third party.
Upstream AM access module is mainly used for realizing docking for management backstage and banking system, to send out from trend banking system
It plays cross-border transfer accounts and order and obtains banking system to the processing result of the order (such as examination & approval pass through, do not pass through).Upstream access
Interface with information transmit-receive function or module can be used to realize in module.
Banking system is mainly responsible for the examination & approval to cross-border order of transferring accounts, alternative bank counter.Banking system is by silver
Row carry out O&M, it can be achieved that existing bank counter function.
By above content as it can be seen that the present embodiment is real by webpage front-end, management backstage, upstream AM access module and internet
Cross-border cross-border payment and settlement function, the personnel for eliminating the cross-border payment transaction mechanism of third party such as transfer accounts for having showed on line manually examine
Core and the process manually handled to bank counter are more efficiently and easy.
Fig. 5 shows the attachment structure schematic diagram between cross-border settlement system and user and banking system of the invention.
Wherein, user is used to initiate cross-border application request and obtains the processing result of request.Cross-border settlement system is mainly responsible for cross-border
The configuration and management of cross-border business are audited and are carried out in application request, generally by the cross-border payment transaction machine of qualified third party
Structure carries out O&M.The main modular webpage front-end of cross-border settlement system and the function declaration of management backstage are as shown in table 1 below:
Table 1
And the transfer request that banking system then initiates cross-border settlement system examine and result is returned to cross-border clearing
System.
Framework based on Fig. 5, Fig. 6 give the specific interactive timing diagram of the cross-border settlement method of the present invention, mainly realize
Process is as follows:
1) firstly, user's log-on webpage front end (official website of the cross-border payment transaction mechanism of such as certain third party).
2) " cross-border application of transferring accounts " page after user logins successfully, is clicked to enter, guides fill message and upper according to the page
Necessary data is passed, errorless rear submission is being confirmed, is completing cross-border application of transferring accounts.
3) application information accepted is synchronized to management backstage automatically by webpage front-end.
4) function that the operation personnel of the cross-border payment transaction mechanism of third party or AI model are provided by management backstage is completed
After checking data, pre- audit, audit, bank transfer application order is formed.
5) management backstage timing passes through upstream AM access module and sends the bank transfer order application audited to upstream bank,
Respective orders information is updated after receiving upstream bank result.
6) after the upstream management backstage Li Wan bank returns the result, webpage front-end processing result is notified.
7) webpage front-end has been handled return the result after, notify the cross-border transfer result of user, if transferring accounts success, user may be used also
To verify whether arrive account.
In conclusion the cross-border settlement system of the present invention and method, pass through webpage front-end, management backstage and upstream AM access module
Online cross-border payment by the transfer of accounts system is established, facilitates cross-border trade both sides to realize the transfer and payment of fund on line, eliminates third
Personnel's manual examination and verification of cross-border payment transaction mechanism, side and the process manually handled to bank counter, it is more efficiently and easy, be
Trade importers or exporters (such as cross-border electric business) provides the open application platform of an aggregation, by optimization to resource and whole
It closes, traditional industries enterprise can be helped to realize the optimization of industrial chain and supply chain, better solve cross-border clearing or transfer of payment
Problem.
It is to be illustrated to preferable implementation of the invention, but the present invention is not limited to the embodiment above, it is ripe
Various equivalent deformation or replacement can also be made on the premise of without prejudice to spirit of the invention by knowing those skilled in the art, this
Equivalent deformation or replacement are all included in the scope defined by the claims of the present application a bit.
Claims (10)
1. a kind of cross-border settlement method, it is characterised in that: the following steps are included:
Webpage front-end obtains cross-border application request of transferring accounts；
Cross-border application request of transferring accounts is sent to management backstage by webpage front-end, and management backstage is made to pass through upstream AM access module to bank
System is initiated to transfer accounts order application and returns to webpage front-end after obtaining the first processing result, and first processing result includes silver
Processing result of the row system to order application of transferring accounts；
Webpage front-end generates cross-border processing result of transferring accounts according to the first processing result.
2. a kind of cross-border settlement method according to claim 1, it is characterised in that: the webpage front-end obtains cross-border transfer accounts
It the step for application request, specifically includes:
Webpage front-end carries out user log-in authentication, to check the identity of user；
Webpage front-end obtains cross-border application information of transferring accounts, and the cross-border application information of transferring accounts includes subscriber identity information and cross-border turn
Account data；
Webpage front-end generates cross-border application request of transferring accounts according to cross-border application information of transferring accounts.
3. a kind of cross-border settlement method according to claim 1, it is characterised in that: the webpage front-end is by cross-border Shen of transferring accounts
It please request to be sent to management backstage, so that management backstage is transferred accounts by upstream AM access module to banking system initiation and order application and obtain
The step for returning to webpage front-end after the first processing result is taken, is specifically included:
Cross-border application request of transferring accounts is sent to management backstage by webpage front-end；
Management backstage audits cross-border application request of transferring accounts, and is passing through upstream AM access module after the approval to department of banking
System initiates order application of transferring accounts；
Management backstage obtains the first processing result and the first processing result is returned to webpage front-end.
4. a kind of cross-border settlement method according to claim 1, it is characterised in that: the webpage front-end is according to the first processing
As a result generate it is cross-border transfer accounts processing result the step for, specifically include:
Webpage front-end is handled according to the first processing result, obtains cross-border processing result of transferring accounts；
Cross-border processing result of transferring accounts is notified user by webpage front-end.
5. a kind of cross-border settlement method, it is characterised in that: the following steps are included:
Management backstage receives the cross-border application request of transferring accounts of webpage front-end；
Management backstage carries out second processing according to cross-border application request of transferring accounts, and generates order application of transferring accounts, the second processing packet
It includes and cross-border application request of transferring accounts is audited；
The management backstage order application that will transfer accounts is sent to upstream AM access module, makes upstream AM access module that will transfer accounts order application transmission
It is sent to management backstage to banking system and by the first processing result that banking system returns, first processing result includes silver
Processing result of the row system to order application of transferring accounts；
Management backstage generates cross-border processing result of transferring accounts according to the first processing result, and cross-border processing result of transferring accounts is returned to net
Page front end.
6. a kind of cross-border settlement method according to claim 5, it is characterised in that: the management backstage is transferred accounts according to cross-border
Application request carries out second processing, generates the step for transferring accounts order application, specifically includes:
Management backstage audits cross-border application request of transferring accounts using the AI model of pre-training in advance, to audit cross-border application of transferring accounts
Whether the data of request is complete；
Management backstage audits the data after pre- audit, to audit whether the cross-border data content for transferring accounts application request meets
It is required that；
The data that management backstage passes through according to audit generates order application of transferring accounts.
7. a kind of cross-border settlement method according to claim 5, it is characterised in that: the management backstage, which uses, is based on JAVA
The web server of SSH, the management backstage specifically include:
Cross-border order inquiring unit, for inquiring cross-border order information；
Cross-border order inquiring unit of transferring accounts, for inquiring cross-border order information of transferring accounts；
Cross-border exchange rate setting unit of transferring accounts, for managing buying in rate or selling rate for foreign exchange currency；
Cross-border transferred account service configuration unit, for configuring the cross-border transferred account service information of user；
Cross-border order processing unit of transferring accounts, for checking and correcting or updates；
Whether cross-border order form prejudication nuclear unit of transferring accounts is complete for auditing data in advance；
Cross-border order audit unit of transferring accounts, whether the content for the data of auditing meets the requirements, and cross-border order of transferring accounts is become
Audit state；
The cross-border turn that Transfers goes out configuration unit, and the cross-border turn that Transfers for configuring user goes out information.
8. a kind of cross-border settlement method, it is characterised in that: the following steps are included:
Upstream AM access module receives the order application of transferring accounts that management backstage is sent；
The AM access module order application that will transfer accounts in upstream is sent to banking system, so that banking system is carried out the first processing, obtains first
Processing result, first processing result include processing result of the banking system to order application of transferring accounts；
Upstream AM access module receives and the first processing result is returned to management backstage, makes management backstage according to the first processing result
It generates cross-border transfer accounts and processing result and cross-border processing result of transferring accounts is sent to webpage front-end.
9. a kind of cross-border settlement method according to claim 8, it is characterised in that: the banking system is according to order of transferring accounts
The step for application carries out the first processing, obtains the first processing result, specifically:
Whether the data of banking system audit order application is complete, whether material form of order application meets the requirements and order
Whether the data content of application meets the cross-border requirement transferred accounts, to obtain the first processing result.
10. a kind of cross-border settlement system, it is characterised in that: including webpage front-end, management backstage and upstream AM access module, wherein
The webpage front-end includes:
Acquiring unit, for obtaining cross-border application request of transferring accounts；
First transmission unit accesses management backstage by upstream for cross-border application request of transferring accounts to be sent to management backstage
Module returns to webpage front-end after transferring accounts order application and the first processing result of acquisition to banking system initiation；
First generation unit, for generating cross-border processing result of transferring accounts according to the first processing result；
The management backstage includes:
First receiving unit, for receiving the cross-border application request of transferring accounts of webpage front-end；
Second generation unit, for carrying out second processing according to cross-border application request of transferring accounts, generation is transferred accounts order application, and described the
Two processing include auditing to cross-border application request of transferring accounts；
Second transmission unit, for that will transfer accounts, order application is sent to upstream AM access module, makes upstream AM access module that will transfer accounts and orders
Single application is sent to banking system and the first processing result that banking system returns is sent to management backstage；
Third generation unit for generating cross-border processing result of transferring accounts according to the first processing result, and cross-border processing of transferring accounts is tied
Fruit returns to webpage front-end；
The upstream AM access module includes:
Second receiving unit, for receiving the order application of transferring accounts of management backstage transmission；
Third sending module, for that will transfer accounts, order application is sent to banking system, so that banking system is carried out the first processing, obtains
First processing result；
Reception and return unit receive for upstream AM access module and the first processing result are returned to management backstage, make to manage
Backstage generates cross-border transfer accounts according to the first processing result and processing result and cross-border processing result of transferring accounts is sent to webpage front-end, institute
Stating the first processing result includes processing result of the banking system to order application of transferring accounts.
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Application publication date: 20190521 |