CN110782242B

CN110782242B - Foreign currency repayment method, device, server and storage medium

Info

Publication number: CN110782242B
Application number: CN201911011223.7A
Authority: CN
Inventors: 宣灿; 杨冬华; 刘文辉; 彭佑高; 汪子珍; 杨丽燕; 徐烨; 乔莎莎; 蒋有为; 陈起儒; 陈圣博; 凌竞男; 胡利
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-23
Filing date: 2019-10-23
Publication date: 2023-06-30
Anticipated expiration: 2039-10-23
Also published as: CN110782242A

Abstract

The embodiment of the application discloses a foreign currency repayment method, a device, a server and a storage medium, which belong to the technical field of computers, wherein when a third party server sends a bill payment success notice to a third party client, the third party server reads a corresponding foreign currency prepayment list of the bill payment success notice from a data cache server, when the foreign currency prepayment list is not sent to a corresponding financial institution server, the third party server sends a cash withdrawal list to a public financial clearing server, and a remark field of the cash withdrawal list comprises the amount of the foreign currency to be returned, the currency and the exchange rate of the foreign currency, and the cash withdrawal list is used for indicating the financial institution server to execute repayment operation on the foreign currency prepayment list according to the remark field. Therefore, the foreign currency repayment operation can be directly carried out from the third party client through the third party server, the repayment barrier of the third party client to the foreign currency bill is broken through, and the one-key repayment function of the third party client to the foreign currency bill is realized.

Description

Foreign currency repayment method, device, server and storage medium

Technical Field

The embodiment of the application relates to the technical field of computers, in particular to a foreign currency repayment method, a foreign currency repayment device, a server and a storage medium.

Background

With the increasing close communication around the world, the chances of users buying goods using foreign currency are also increasing. Among them, the use of credit cards to pay the bill of foreign currency is a common way of consumption.

In the related art, when a user pays a foreign bill in a credit card, the user needs to receive the foreign bill transmitted from a bank through an electronic mailbox. After the foreign bill is checked, the exchange rate of the day is required to be known by a banking network or other means on the day of the payment of the foreign bill, and the self-calculation of the amount of the home currency required for the payment of the foreign bill is required. Then, after the user deposits the money amount into the credit card, the user also needs to make phone calls to the bank clients, and the user manually informs the customer service that the money amount of the user is used for paying the foreign currency bill, so that the repayment process of the foreign currency bill is completed.

However, the related art is cumbersome to view and pay the foreign bill.

Disclosure of Invention

The embodiment of the application provides a foreign currency repayment method, a device, a server and a storage medium, which can be used for solving the problem that operations for checking a foreign currency bill and repaying the foreign currency bill are complicated in the related technology. The technical scheme is as follows:

according to an aspect of the present application, there is provided a foreign currency payment system, the system comprising a third party server, a data caching server, a public financial clearing server and a financial institution server:

The third party server is used for reading a foreign currency prepaid bill corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third party client;

the third party server is used for sending a cash list to the public financial clearing server when the foreign currency prepaid list is not sent to the corresponding financial institution server, and the remark field of the cash list comprises the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate;

the public financial clearing server is used for forwarding the cash registering form to the corresponding financial institution server when the cash registering form accords with a preset format;

and the financial institution server executes repayment operation on the foreign currency prepaid list according to the remark field of the cash register list.

According to another aspect of the present application, there is provided a foreign currency repayment method applied to a third party server, the method including:

when a bill payment success notice is sent to a third party client, reading a foreign currency prepaid bill corresponding to the bill payment success notice from a data cache server;

and when the foreign currency prepaid sheets are not sent to the corresponding financial institution servers, sending a cash withdrawal sheet to a public financial clearing server, wherein the remark field of the cash withdrawal sheet comprises the amount of the foreign currency to be returned, the currency of the foreign currency and the exchange rate, and the cash withdrawal sheet is used for being forwarded to the financial institution servers by the public financial clearing server and instructing the financial institution servers to execute the repayment operation on the foreign currency prepaid sheets according to the remark field.

According to another aspect of the present application, there is provided a foreign currency payment apparatus for use in a third party server, the apparatus comprising:

the prepaid bill reading module is used for reading a foreign currency prepaid bill corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third party client;

and the cash register sending module is used for sending a cash register to a public financial clearing server when the foreign currency prepaid register is not sent to the corresponding financial institution server, wherein a remark field of the cash register comprises the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate, and the cash register is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to execute repayment operation on the foreign currency prepaid register according to the remark field.

According to another aspect of the present application, there is provided a server comprising a processor and a memory having stored therein at least one instruction loaded and executed by the processor to implement a foreign currency payment method as provided by the practice of the present application.

According to another aspect of the present application, there is provided a computer readable storage medium having stored therein at least one instruction that is loaded and executed by a processor to implement a foreign currency payment method as provided by the practice of the present application.

The beneficial effects that technical scheme that this application embodiment provided can include:

and when the bill payment success notice is sent to the third party client, reading a foreign currency prepaid list corresponding to the bill payment success notice from the data cache server, and when the foreign currency prepaid list is not sent to the corresponding financial institution server, sending a cash withdrawal list to the public financial clearing server by the third party server, wherein the remark field of the cash withdrawal list comprises the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate, and the cash withdrawal list is used for being forwarded to the financial institution server by the public financial clearing server and instructs the financial institution server to execute a repayment operation on the foreign currency prepaid list according to the remark field. Therefore, the financial institution server can be directly instructed to conduct foreign currency repayment operation through the third party server from the third party client, repayment obstruction of the third party client to the foreign currency bill is broken through, and one-key repayment function of the third party client to the foreign currency bill is achieved.

Drawings

In order to more clearly describe the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments of the present application will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is a schematic diagram of a server according to one embodiment of the present application;

FIG. 2 is an architecture diagram of a foreign currency payment system provided in one exemplary embodiment of the present application;

FIG. 3 is a flow chart of a method for foreign currency payment provided in one exemplary embodiment of the present application;

FIG. 4 is a flow chart of another method for foreign currency payment provided in one exemplary embodiment of the present application;

FIG. 5 is a flow chart of another foreign currency payment method provided in another exemplary embodiment of the present application;

FIG. 6 is a schematic diagram of a user identity information confirmation and replenishment page for applying for a query function for opening a foreign bill, provided in accordance with the embodiment of FIG. 5;

FIG. 7 is a second verification code input interface provided in accordance with the embodiment of FIG. 5;

FIG. 8 is a schematic diagram of a display of a foreign bill provided based on the embodiment shown in FIG. 5;

FIG. 9 is a schematic illustration of a notification page being processed for a foreign currency prepaid sheet provided based on the embodiment of FIG. 5;

FIG. 10 is a schematic illustration of a detail page of a payment record provided based on the embodiment of FIG. 5;

fig. 11 is a schematic diagram of a data sharing system where a third party server is located according to an embodiment of the present application;

FIG. 12 is a schematic diagram of a component form of a blockchain provided in an embodiment of the present application;

FIG. 13 is a schematic diagram of a new block generation process provided by an embodiment of the present application;

fig. 14 is a block diagram of a foreign currency payment apparatus according to an exemplary embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as detailed in the accompanying claims.

In the description of the present application, it should be understood that the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. In the description of the present application, it should be noted that, unless explicitly specified and limited otherwise, the terms "connected," "connected," and "connected" are to be construed broadly, and may be either fixedly connected, detachably connected, or integrally connected, for example; can be mechanically or electrically connected; can be directly connected or indirectly connected through an intermediate medium. The specific meaning of the terms in this application will be understood by those of ordinary skill in the art in a specific context. Furthermore, in the description of the present application, unless otherwise indicated, "a plurality" means two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.

For ease of understanding of the schemes shown in the embodiments of the present application, several terms appearing in the embodiments of the present application are described below.

Card inquiry interface: is an interface in the third party server for querying the underlying information in the credit card. In one possible implementation, the card inquiry interface may be wxf _card_query.

Bill query interface: is an interface in the third party server for querying relevant information of the bill. In one possible implementation, the bill query interface may be wxf _bill_query.

Authentication interface: is an interface in the third party server for authenticating whether the third party client has the right to view the bill. In one possible implementation, the authentication interface may be wxf _bill_auth.

Sensitive information query interface: is an interface in the third party server for querying sensitive information related to the user. In one possible implementation, the sensitive information query interface may be fpg _active_user_fo_qry.

A payoff amount distribution interface: is an interface in the third party server for distributing the payment amount according to preset rules. In one possible implementation, the payoff amount distribution interface may be wxf _calc_charge.

Pre-ordering a single interface: is an interface in the third party server for generating and saving foreign prepaid sheets to the data caching server. In one possible implementation, the pre-ordering interface may be wxf _request.

Payment callback interface: is an interface in the third party server that stores the foreign prepaid ticket in the data caching server in the third party server database. In one possible implementation, the payment callback interface may be wxf _callback.

The foreign currency repayment method shown in the embodiment of the application can interact with a user through a third party client in the terminal. The terminal provided with the third party client has a display screen and a foreign currency repayment function. The terminals may include cell phones, tablet computers, laptops, desktop computers, computer-integrated machines, servers, workstations, televisions, set-top boxes, smart glasses, smart watches, digital cameras, MP4 playing terminals, MP5 playing terminals, learning machines, point-to-read machines, electronic books, electronic dictionaries, vehicle-mounted terminals, virtual Reality (VR) playing terminals or Augmented Reality (AR) playing terminals, and the like.

In one possible implementation, the third party client may be an application installed through an application installation package. In another possible implementation, the third party client may also be an applet, a flash application, a mini-application, or the like embedded in the specified application.

Optionally, the third party client may be at least one of a game application, a shopping application, an instant messaging application, a blog application, a drawing and painting application, a text editing application, a ticket booking application, a map navigation application, a video playing application, a live broadcast application, a browser application, a reading application, a music application, a financial payment application, a camera application, a photo beautifying program, an intelligent device control application, a telephone application, a short message program, a weather application, a clock program, a system searching application, a contact program, a shared traffic application, a logistics application, a taxi taking application, a takeaway application, an attendance checking and card reading application, and a code scanning application.

Referring to fig. 1, fig. 1 is a schematic structural diagram of a server according to an embodiment of the present application. The server is used for implementing the foreign currency repayment method provided by the embodiment. In the present application, the server may be at least one of a third party server, a data caching server, a public financial clearing server, and a financial institution server. The composition of the individual servers may be the same or similar in hardware composition. Specifically, the present invention relates to a method for manufacturing a semiconductor device.

The server 100 includes a central processing unit (abbreviated as CPU) 101, a system memory 104 including a random access memory (abbreviated as RAM) 102 and a read only memory (abbreviated as ROM) 103, and a system bus 105 connecting the system memory 104 and the central processing unit 101. The server 100 also includes a basic input/output system (I/O system) 106, which facilitates the transfer of information between various devices within the computer, and a mass storage device 107 for storing an operating system 113, application programs 114, and other program modules 115.

The basic input/output system 106 includes a display 108 for displaying information and an input device 109 such as a mouse, keyboard for user input of information. Wherein the display 108 and the input device 109 are connected to the central processing unit 101 via an input output controller 110 connected to the system bus 105. The basic input/output system 106 may also include an input/output controller 110 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, the input output controller 110 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 107 is connected to the central processing unit 101 through a mass storage controller (not shown) connected to the system bus 105. The mass storage device 107 and its associated computer readable media provide non-volatile storage for the server 100. That is, the mass storage device 107 may include a computer readable medium (not shown), such as a hard disk or CD-ROM drive.

The computer readable medium may include computer storage media and communication media without loss of generality. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will recognize that the computer storage medium is not limited to the one described above. The system memory 104 and mass storage device 107 described above may be collectively referred to as memory.

The server 100 may also operate via a network, such as the internet, connected to a remote computer on the network, in accordance with various embodiments of the present invention. I.e. the server 100 may be connected to the network 112 via a network interface unit 111 connected to said system bus 105, or alternatively, the network interface unit 111 may be used for connection to other types of networks or remote computer systems.

Referring to fig. 2, fig. 2 is an architecture diagram of a foreign currency payment system provided in an exemplary embodiment of the present application. The foreign currency repayment system includes a third party server 210, a data cache server 220, a public financial clearing server 230, and a financial institution server 240. Optionally, in order to introduce the actual application scenario of the foreign currency payment system, the object that interacts with the foreign currency payment system further includes a terminal 250 that carries a third party client, and a user 260 that uses the terminal 250.

In the foreign currency payment system shown in fig. 2, a third party server 210 interacts with a terminal 250. The third party server 210 is also used to store temporary data in the data caching server 220. When the third party server 240 needs to store temporary Data for a long period of time, the third party server 210 may again read the temporary Data from the Data cache server 220 and store the temporary Data in a database (english: data Base; abbreviated: DB) in the third party server 210.

The data cache server 220 is used to store temporary data provided by the third party server 210. In one possible implementation, the data caching server 220 may be a CKV server.

The public financial clearing server 230 is used to record and clear the home bill between the third party server 210 and the financial institution server 240. In one possible scenario, the public financial clearing server 230 may be a networked server that accepts only Renminbi bills.

The individual objects provided by the foreign currency payment system are known to the user 260 to enable one-touch payment of a foreign currency bill in a credit card by using a third party client in the terminal 250. For the upper limit procedure of this function in the third party server, reference is made to the description in the subsequent embodiments.

Referring to fig. 3, fig. 3 is a flowchart of a foreign currency repayment method according to an exemplary embodiment of the present application. The foreign currency repayment method may be applied to the foreign currency repayment system shown in fig. 2 described above. In fig. 3, the foreign currency repayment method includes:

in step 310, when the bill payment success notification is sent to the third party client, the third party server reads the foreign currency prepaid bill corresponding to the bill payment success notification from the data cache server.

In this embodiment of the present application, the third party server may authenticate the third party client in advance, and after the third party server passes through the authentication procedure, the financial institution server sends the foreign currency bill of the user to the third party server, so that the foreign currency bill is transferred to the third party client via the third party server. After the user confirms the corresponding home currency amount of the foreign currency bill, the third party server stores the foreign currency prepaid bill in the data caching server and sends a bill payment success notice to the third party client. The third party server then reads the bill payment success notification corresponding to the foreign currency prepaid bill from the data cache server.

Alternatively, the third party server can store the read bill payment success notification corresponding to the foreign currency prepaid bill in a database in the third party server, so that the foreign currency prepaid bill agreed to be paid by the user can drop into the local database. In the operation, the third party server can ensure that the foreign currency pre-payment bill which is agreed to be paid by the user can be processed by the third party server without omission, and can also enable massive data to pass through the cache of the data cache server, so that the database in the third party server is prevented from being directly read and written by external access, and the efficiency of the third party processor for storing the foreign currency pre-payment bill is improved.

Step 320, when the foreign currency prepaid ticket is not sent to the corresponding financial institution server, the third party server sends a cash order to the public financial clearing server, the notes field of the cash order including the amount of foreign currency to be returned, the currency of the foreign currency, and the exchange rate.

In an embodiment of the present application, two foreign currency prepaid orders may be stored in a database of a third party server. The first foreign prepaid ticket is a foreign prepaid ticket that has been sent to the financial institution server, and the other foreign prepaid ticket is a foreign prepaid ticket that has not been sent to the financial institution server. The database of the third party server can mark the two foreign currency prepaid orders differently. The third party server is able to identify the corresponding indicia and send a cash order to the public financial clearing server when the foreign currency prepaid order is not sent to the corresponding financial institution server, the cash order having a note field including the amount of the foreign currency to be returned, the currency of the foreign currency, and the exchange rate.

It should be noted that, because the supervision organization needs to supervise the payment proxy service of the financial institution provided by the third party service provider to the user, the supervision organization may require that each transaction processed by the third party service provider needs to be submitted to the public financial clearing server, so that the public financial clearing server stores the data of the transaction, thereby realizing safe and controllable service provided by the third party service provider and reducing financial risk.

On this basis, since the public financial clearing server provides only the transaction format of the home currency, the third party service provider cannot transmit the bill related to the foreign currency to the financial institution server. In order to solve the problem, the method and the system enhance the efficiency of quick foreign currency bill payment of a user, creatively write key information such as foreign currency amount, currency of the foreign currency, exchange rate and the like into the remark field of the cash register, enable the financial institution server to read relevant information of the foreign currency from the remark field of the cash register, and enable the financial institution server to pay corresponding foreign currency bills after exchanging the home currency in the cash register for the foreign currency according to the relevant information of the foreign currency.

And 330, forwarding the presentation form to the corresponding financial institution server by the public financial clearing server when the presentation form accords with the preset format.

In the embodiment of the application, the public financial clearing server can receive the presentation sheet sent by the third-party server. The public financial clearing server will then verify the format of the cash order, and when the format of the cash order conforms to the preset format, the public financial clearing server can store the cash order. Alternatively, the public financial clearing server can forward the cash order to the financial institution server to which the cash order corresponds. Note that the presentation sheet may further include an identification of the financial institution. The public financial clearing server can send the presentation to the corresponding financial institution server according to the identification of the financial institution.

In step 340, the financial institution server performs a payment operation for the foreign currency prepaid ticket according to the remark field of the prepaid ticket.

In the embodiment of the application, the financial institution server executes repayment operation on the foreign currency prepaid list according to the remark field of the cash register list. In one possible embodiment, the bill of presentation contains the amount of the home currency, and the remark field contains the amount of the foreign currency, the currency of the foreign currency, and the exchange rate. The financial institution server can calculate the required target money amount according to the foreign currency amount, the currency of the foreign currency and the exchange rate, and then deduct the target money amount from the money amount in the cash withdrawal bill, thereby completing the repayment operation of the foreign currency prepaid bill.

In summary, the foreign currency repayment system provided in the embodiments of the present application includes a third party server, a data cache server, a public financial clearing server, and a financial institution server. The third party server is used for reading the foreign currency prepaid list corresponding to the bill payment success notice from the data cache server when the bill payment success notice is sent to the third party client, and the third party server is used for sending a cash note to the public financial clearing server when the foreign currency prepaid list is not sent to the corresponding financial institution server, wherein the remark field of the cash note comprises the foreign currency amount to be returned, the currency and exchange rate of the foreign currency. Wherein the exchange rate is used to indicate the exchange rate between the foreign currency and the home currency. The public financial clearing server is used for forwarding the cash registering form to the corresponding financial institution server when the cash registering form accords with the preset format, and the financial institution server executes repayment operation on the foreign currency prepaid form according to the remark field of the cash registering form. Therefore, the foreign currency repayment system provided by the embodiment of the application can send the cash note meeting the preset format to the public financial clearing server through the third party server, and notes the foreign currency amount, the currency of the foreign currency and the exchange rate in the remark field of the cash note, so that the one-key repayment function of the foreign currency credit card can be realized by the third party client, and the repayment function of the foreign currency bill of the quick credit card is improved for the user by the third party server.

Referring to fig. 4, fig. 4 is a flowchart of another foreign currency repayment method provided by an exemplary embodiment of the present application. The foreign currency repayment method can be applied to a third party server in the foreign currency repayment system. In fig. 4, the foreign currency repayment method includes:

and 4A, when the bill payment success notification is sent to the third party client, reading the foreign currency prepaid bill corresponding to the bill payment success notification from the data cache server.

In the embodiment of the application, the third party server can send a bill payment success notification to the third party client when the foreign currency prepaid bill is successfully stored in the data cache server. When the third party server sends the bill payment success notice to the third party client, the third party server reads the foreign currency prepaid bill corresponding to the bill payment success notice from the data cache server.

For example, a foreign currency prepaid bill corresponds to a foreign currency bill that a third party client delegates a third party server to pay for a corresponding credit card. For example, a foreign bill for a credit card with $100 in the third party client is to be paid, and the third party client pays the 700 th element of the home currency to the third party server at rate 7. At this time, the third party server stores the foreign currency prepaid bill in the data caching server, and then sends a bill payment success notification to the third party client. The third party server then reads the bill payment success notification corresponding to the foreign currency prepaid bill from the data caching server.

And 4B, when the foreign currency prepaid list is not sent to the corresponding financial institution server, sending a cash withdrawal list to the public financial clearing server, wherein the remark field of the cash withdrawal list comprises the amount of the foreign currency to be returned, the currency of the foreign currency and the exchange rate, and the cash withdrawal list is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to execute the repayment operation on the foreign currency prepaid list according to the remark field.

In the embodiment of the application, the third party server can determine whether the read foreign currency prepaid bill is transmitted to the corresponding financial institution server. When the third party server confirms that the foreign currency prepaid bill is not transmitted to the corresponding financial institution server, the third party server will transmit a statement to the public financial clearing server, the statement being a bill conforming to a preset format of the public financial clearing server.

It should be noted that the public financial clearing server can read the data in the presentation sheet. The presentation sheet is provided with remark fields. The information of foreign currency amount, currency of foreign currency and exchange rate is added in the remark field, and when the public financial clearing server receives the cash order, the data in the cash order are read and stored. The public financial clearing server then forwards the pick up slip to the financial institution server and instructs the financial institution server to perform a payback operation on the foreign currency prepaid slip in accordance with the remark field.

The financial institution server can receive the cash register sent by the third party server and extract the money according to the amount in the cash register sent by the third party server; and according to the foreign currency amount, the currency of the foreign currency and the exchange rate information in the remark field, after the extracted home currency is exchanged for the foreign currency, the repayment operation is carried out on the foreign currency prepaid sheet.

In one possible implementation scenario, a data identification bit may be used to identify whether the foreign prepaid ticket is to be sent to the corresponding financial institution server. When the data identification bit is 1, the third party server can confirm that the foreign currency prepaid ticket has been sent to the corresponding financial institution server. When the data identification bit is 0, the third party server can confirm that the foreign prepaid ticket is not being sent to the corresponding financial institution server.

In summary, the foreign currency repayment method provided in this embodiment can read, when a bill payment success notification is sent to a third party client, a foreign currency prepaid list corresponding to the bill payment success notification from the data cache server, and when the foreign currency prepaid list is not sent to a corresponding financial institution server, the third party server sends a bill to the public financial clearing server, where the bill has a remark field including the amount of the foreign currency to be returned, the currency and the exchange rate of the foreign currency, and the bill is used to be forwarded to the financial institution server by the public financial clearing server, and instructs the financial institution server to execute a repayment operation on the foreign currency prepaid list according to the remark field. Therefore, the financial institution server can be directly instructed to conduct foreign currency repayment operation through the third party server from the third party client, repayment obstruction of the third party client to the foreign currency bill is broken through, and one-key repayment function of the third party client to the foreign currency bill is achieved.

Based on the solution disclosed in the previous embodiment, the terminal can also provide the third party client with a function of opening and querying the foreign bill paid by one key, please refer to the following embodiment.

Referring to fig. 5, fig. 5 is a flowchart of another foreign currency repayment method according to another exemplary embodiment of the present application. The foreign currency payment method may be applied to the foreign currency payment system shown above. In fig. 5, the foreign currency repayment method includes:

in step 410, a credit card bill query request sent by the third party client is received, the credit card bill query request being used to query a foreign bill.

In the embodiment of the application, the third party client can provide the credit card bill inquiry function for the user. In one possible implementation, the third party client can provide a credit card billing query page in the specified page. The credit card bill inquiry page may be a page provided in the third party client, or may be a page provided by an applet in the third party client, which is not limited in this embodiment of the present application.

In the credit card billing query interface, the third party client may provide a billing query control. When the user clicks the bill inquiry control, the third party client generates a credit card bill inquiry request and sends the credit card bill inquiry request to the third party server. The third party server receives a credit card bill inquiry request sent by the third party client, wherein the credit card bill inquiry request is used for inquiring a foreign bill.

And step 421, when the audit function is not opened, receiving an audit function opening application sent by the third party client, wherein the audit function opening application is used for applying for opening the audit function of the foreign currency bill of the third party client, and the audit function opening application comprises a communication number.

In the embodiment of the application, the third-party server can call the card inquiry interface to inquire whether the user account opens the audit function from the third-party server database. The card inquiry interface may be a wxf _card_query.fcgi interface.

When the third party server confirms that the audit function is not enabled, the third party server may return a notification message to the third party client. The third party client can display user identity information confirmation and supplement pages.

Referring to fig. 6, fig. 6 is a schematic diagram of a user identity information confirmation and supplement page for applying a query function for opening a foreign bill according to the embodiment of fig. 5. In fig. 6, the user interface provides an editable input box 510 in which the user can enter a communication number. Optionally, the third party client may also be able to obtain the cardholder's name, credit card number, and identification card number from the third party server. It should be noted that, if the third party client displays the name, the credit card number and the identification card number of the cardholder, the third party client can display the name, the credit card number and the identification card number in a manner of partially hiding the characters, so that sensitive information of the user is prevented from being revealed.

Alternatively, the communication number may be a mobile phone number of the user, a fixed phone number, or other communication device number capable of receiving the authentication code.

Step 422, call the sensitive information inquiry interface to obtain the identity card number bound by the user account.

In the embodiment of the application, the third-party server can firstly call the authentication interface. After the authentication interface is called, the sensitive information inquiry interface is called to obtain the identity card number bound by the user account.

Step 423, call the sensitive information query interface to obtain the credit card number and the user name bound by the user account number from the third party server database.

In the embodiment of the application, the third-party server can call the authentication interface first. After the authentication interface is called, the name and credit card number of the cardholder are queried in the database of the third party server.

It should be noted that the third party server can perform step 422 and step 423 first, and then perform step 421, which is not limited in this embodiment of the present application. If the third party server performs step 422 and step 423, the third party server will acquire the identification card number bound by the user account by calling the sensitive information query interface.

Step 424, call the sensitive information query interface to send bill query opening information to the financial institution server.

In this embodiment of the present application, the bill inquiry enabling information includes a communication number, an identification card number bound by a user account, a credit card number, and a user name bound by a user account, where the bill inquiry enabling information is used to trigger the financial institution server to send a first verification code to the communication number when passing through the financial institution server.

In the embodiment of the application, the third-party server can call the sensitive information inquiry interface to send bill inquiry opening information to the financial institution server. It should be noted that, the sensitive information query interface in the third party server can send related information to the outside, so that bill query opening information can be sent to the financial institution server. In one possible manner, the bill inquiry enabling information includes a communication number, a credit card number, a user account number-bound identification card number, a credit card number, and a user account number-bound user name. Accordingly, the financial institution server checks whether each of the above information corresponds to and is identical to the information reserved in the financial institution when receiving the above bill inquiry enabling information. When the credit card number, the identification card number bound by the user account number, the credit card number and the user name bound by the user account number correspond to each other and are the same as the information reserved in the financial institution, the financial institution server sends a verification code to the communication number.

Optionally, the financial institution server may also verify whether the communication number is a reserved communication number corresponding to a credit card number. When the communication number is a reserved communication number corresponding to the credit card number, the financial institution server may send a first authentication code to the communication number. It should be noted that, the process of sending the verification code to the communication number by the financial institution server may be a process of sending a request to the communication server, which is not described in the embodiment of the present application.

Step 425, when receiving the second verification code sent by the third party client, invoking the bill inquiry interface to send the second verification code to the financial institution server.

In this embodiment of the present application, the second verification code is used to trigger the financial institution server to open the audit function of the third party client when the second verification code is the same as the first verification code.

In the embodiment of the application, the user can input the verification code into the third party client after receiving the verification code. In the embodiment of the application, the verification code input into the third party client by the user is the second verification code. Correspondingly, when the third party server receives the second verification code, the sensitive information inquiry interface is called to send the second verification code to the financial institution server. The second verification code is used for triggering the financial institution server to open the audit function of the third party client when the second verification code is the same as the first verification code.

It should be noted that, when the second verification code is the same as the first verification code, the financial institution server will open the bill inquiry function for the third party client to the third party server. Optionally, the financial institution server may also return a notification message to the bill query interface that the bill query function is open.

Referring to fig. 7, fig. 7 is an input interface of a second verification code according to the embodiment shown in fig. 5. In input block 610, the third party client is able to receive a second verification code entered by the user.

Step 431, when the audit function is opened, the bill inquiry interface is called to acquire the foreign bill corresponding to the credit card bill inquiry request from the financial institution server.

In the present embodiment, the foreign bill includes the currency, exchange rate, and amount of the foreign currency.

In this embodiment of the present application, when the audit function is opened, the third party server may invoke the bill inquiry interface to obtain the foreign bill corresponding to the credit card bill inquiry request from the financial institution server. The third party server can directly obtain the corresponding foreign currency bill according to the card number of the credit card, wherein the foreign currency bill comprises the currency of the foreign currency, the exchange rate between the foreign currency and the home currency and the foreign currency amount.

Step 432, the foreign currency bill is sent to the third party client.

It should be noted that, after the third party server invokes the bill query interface to obtain the foreign bill, the bill query interface will send the foreign bill to the third party client.

In one manner of display of the foreign bill, the foreign bill may be displayed on a page specified in the third party client.

In another possible display manner of the foreign bill, the foreign bill may be displayed at a notification bar, a negative screen, or a floating window of a terminal of the login third party client, which is not limited in this embodiment of the present application.

In yet another possible display of the foreign bill, the third party client may be a display of the total number of the home money amount to which the home and foreign bills should be returned when both the home bill and the foreign bill are included in the credit card.

Referring to fig. 8, fig. 8 is a schematic diagram showing a foreign bill according to the embodiment shown in fig. 5. In the display mode of fig. 8, 1000 yuan in the interface 710 is the total amount of the home money to be paid by the home money bill and the foreign money bill, 223 yuan in the display position 721 and 114 dollars in the display position 722 are displayed in the interface 720. In input block 723, the user can input the home-coin payoff amount, which in this example is 1000 yuan.

And step 441, receiving the money repayment amount sent by the third party client.

In the embodiment of the application, the third party server can receive the principal payment amount sent by the third party client. Since the third party client has already presented the foreign bill to the user in the previous step. The user can input the present money transfer amount desired to be transferred to the financial institution. Thus, the third party server will receive the principal payoff amount sent by the third party client in this step.

Step 442, call the payoff amount distribution interface to calculate the amount of foreign currency to be returned according to the preset distribution rules and the payoff amount of the present currency.

In the embodiment of the application, the third party server can call the repayment amount distribution interface, and the foreign currency amount to be returned is calculated according to the preset distribution rule and the present currency repayment amount.

Among the possible preset allocation rules, the foreign currency priority repayment rules are attributed. In the foreign currency priority repayment rule, the home currency repayment amount paid by the user will pay the foreign currency bill preferentially, and when the home currency repayment amount paid by the user is greater than the foreign currency amount due in the foreign currency bill, the remaining home currency will be used to pay the home currency amount due in the home currency bill.

In another possible preset allocation rule, the allocation rule is determined according to the interval of the money repayment amount input by the user. If the user inputs a money payoff amount greater than the foreign money payoff amount, the foreign money payoff amount is paid, and the remaining money is used to pay the foreign money payoff amount in the money bill. If the user inputs the money payoff amount equal to the foreign money amount to be paid off, the money payoff amount is used for paying off the foreign money amount. If the user inputs the money payoff amount smaller than the foreign currency amount and larger than the least foreign currency amount, the least foreign currency amount is paid for this time, and the remaining money amount is used for paying the bill.

The preset allocation rule is not limited in this embodiment, and in practice, the rules established by the financial institution can be implemented. The third party server configures a repayment amount distribution interface according to rules given by the financial institution, so that the repayment amount distribution interface intelligently distributes repayment funds according to the coin repayment amount input by the user.

Step 443, the foreign currency amount to be returned is sent to the third party client, and the foreign currency amount to be returned is used for display in the front end interface of the third party client.

In the embodiment of the application, the third party server can send the calculated foreign currency amount to the third party client, and the foreign currency amount is used for being displayed in a front end interface of the third party client.

Step 451, a foreign currency prepaid sheet sent from the third party client is received, and the foreign currency prepaid sheet includes a foreign currency amount to be returned and a home currency amount corresponding to the foreign currency amount to be returned.

In the embodiment of the application, the third party server can receive the foreign currency prepaid list sent by the third party client, and the foreign currency prepaid list comprises the foreign currency amount to be returned and the home currency amount corresponding to the foreign currency amount to be returned.

In the step, when the user sees the payable amount calculated by the payable amount distribution interface, if the user agrees to pay according to the amount, the user can click an immediate payable button in the user interface. At this time, the third party client will send a foreign currency prepaid ticket to the third party server, the foreign currency prepaid ticket including the foreign currency amount to be returned and the home currency amount corresponding to the foreign currency amount to be returned.

Step 452, call the pre-order interface to send the foreign currency amount, the home currency amount corresponding to the foreign currency amount, the currency of the foreign currency, and the exchange rate to the data cache server.

In the embodiment of the application, the third party server calls the pre-ordering interface, and sends the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate to the data cache server for storage.

In step 453, the pre-order interface is invoked to return the foreign prepaid order information to the third party client.

In the embodiment of the application, the third party server can call the pre-ordering interface to return the information of the foreign prepaid bill to the third party client. For example, the third party client may display a notification page to the user that a foreign prepaid ticket is being processed after receiving information for the foreign prepaid ticket.

Referring to fig. 9, fig. 9 is a schematic diagram of a notification page in the process of a foreign currency prepaid bill provided based on the embodiment shown in fig. 5. In fig. 9, at display position 810, the home currency payoff amount 1000 yuan is displayed. At display location 820, the issuing bank with the credit card, the last four digits of the card number, and the cardholder's name are displayed. Also shown in FIG. 9 is a completion control 830, which when clicked on, the third party client will close the notification page shown in FIG. 9.

Referring to fig. 10, fig. 10 is a schematic diagram of a detail page of a payment record provided based on the embodiment shown in fig. 5, which may be the detail of the payment record shown in fig. 9.

Step 461, receiving a confirmation payment request sent by the third party client.

In the embodiment of the application, the third party server can receive the confirmation payment request sent by the third party client. This step is a payment process where the third party server may verify the confirmation payment request by password or other means capable of verifying the user's identity, and when the third party server verifies that the confirmation payment request passed, the third party server will perform step 462.

Step 462, a bill payment notification corresponding to the confirmed payment request is sent to the third party client.

Note that the bill payment notification includes a bill payment success notification and a bill payment failure notification.

In the embodiment of the application, when the password of the user is wrong, the authentication of other authentication modes fails or the balance is insufficient, the third party server sends a bill payment failure notification to the third party client. And when the user passes the identity verification of the third-party server and the balance is larger than the payoff amount of the inserted coin of the user, the third-party server sends a bill payment success notice to the third-party client.

In one possible implementation, steps 461 and 462 may be performed by a social application server, which may be called back by a third party server to obtain bill payment notifications when the social application server performs

steps

461 and 462. When the third party server knows that the social application server sends the bill payment success notification to the third party client, the foreign currency prepaid bill corresponding to the bill payment success notification is read from the data cache server.

Step 471, the information of the foreign currency prepaid bill is stored in the third party server database.

In the embodiment of the application, the third party server can store the information of the foreign currency prepaid list into a third party server database. It should be noted that this step may be performed after the third party server sends a bill payment success notification to the third party client. Since the user successfully pays the foreign prepaid ticket, the third party server will arrange for subsequent information interaction with the financial institution server to complete the foreign prepaid ticket actually paid in the financial institution server. Therefore, the step stores the information of the foreign currency prepaid bill into the third party server database, and can resist the risk of external data loss, so that the fund safety of the user is improved.

Step 472, when the system time reaches the preset batch time, the foreign currency prepaid sheets are read from the third party server database.

Step 473, when the foreign prepaid ticket is not sent to the corresponding financial institution server, sending the cash letter to the public financial clearing server.

In the present embodiment, the foreign currency prepaid sheets will be processed identically by the third party server in a batch process. For example, when the period of the batch is 1 second, the third party server will send the foreign currency prepaid units in each batch to the respective financial institution server at the beginning of the period of the batch.

For example, 8000 notes are included in a batch. Wherein 5000 correspond to a financial institution servers, 2000 correspond to B financial institution servers, 1000 correspond to C financial institution servers. The third party server uniformly transmits the 8000 orders to the public financial clearing server, and the public financial clearing server transmits the 8000 orders to the corresponding financial institution servers. After receiving the cash order, the financial institution server executes repayment operation on the corresponding credit card according to the remark field of the cash order.

In this embodiment of the present application, the third party server may further send a cash register to the intermediate transaction server, where the intermediate transaction server sends the cash register to the public financial clearing server, and the public financial clearing server sends the cash register to the financial institution server, and finally the financial institution server performs a payment operation on the foreign currency prepaid ticket according to the remark field. The remark field of the cash note comprises the foreign currency amount, the currency of the foreign currency and the exchange rate.

In summary, according to the foreign currency repayment method provided by the embodiment of the application, the audit function opening application can be provided in the third party client, so that the user can directly check the foreign currency bill of the user in the third party client without opening the financial client corresponding to the financial server, the operation of checking the foreign currency bill by the user is saved, and the checking efficiency of the foreign currency bill is improved.

Optionally, the embodiment of the application can also uniformly send a large number of notes in a batch mode. Meanwhile, the third party server can write the foreign currency amount, the currency and exchange rate of the foreign currency in the foreign currency prepaid bill into the cash register in the form of remark fields, so that the transaction provided by the third party server can not only meet the supervision requirement of the public financial clearing server, but also clearly instruct the financial institution server to execute the foreign currency repayment operation, and the effect that a user directly checks the foreign currency bill by using the third party client and pays the foreign currency bill of the credit card by one key is realized.

Referring to fig. 11, fig. 11 is a schematic diagram of a data sharing system where a third party server provided in an embodiment of the present application is located. The third party server 210 acts as a node in the data sharing system 1100. The data sharing system 1100 refers to a system for sharing data between nodes, where in addition to the third party server 210, other nodes 1101 may be included in the data sharing system, and other nodes 1101 may be respective clients in the data sharing system. In the present embodiment, each node means a node including a node 1101 and a third party server 210.

Each node may receive input information while operating normally and maintain shared data within the data sharing system based on the received input information. In order to ensure the information intercommunication in the data sharing system, information connection can exist between each node in the data sharing system, and the nodes can transmit information through the information connection. For example, when any node in the data sharing system receives input information, other nodes in the data sharing system acquire the input information according to a consensus algorithm, and store the input information as data in the shared data, so that the data stored on all nodes in the data sharing system are consistent.

Each node in the data sharing system has a node identifier corresponding to the node identifier, and each node in the data sharing system can store the node identifiers of other nodes in the data sharing system, so that the generated block can be broadcast to other nodes in the data sharing system according to the node identifiers of other nodes. Each node can maintain a node identification list shown in the following table, and the node names and the node identifications are correspondingly stored in the node identification list. The node identifier may be an IP (Internet Protocol, protocol of interconnection between networks) address, and any other information that can be used to identify the node, and the IP address is only illustrated in table 1.

TABLE 1

Node name	Node identification
		Node 1	117.114.152.104
Node 2	117.116.189.115
		…	…
Node n	119.143.739.218

Each node in the data sharing system stores one and the same blockchain. The blockchain is composed of a plurality of blocks, see fig. 12, and the starting block comprises a block head and a block body, wherein the block head stores an input information characteristic value, a version number, a time stamp and a difficulty value, and the block body stores input information; the next block of the starting block takes the starting block as a father block, the next block also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block, the block head characteristic value of the father block, the version number, the timestamp and the difficulty value, and the like, so that the block data stored in each block in the block chain are associated with the block data stored in the father block, and the safety of the input information in the block is ensured.

When each block in the blockchain is generated, referring to fig. 13, when the node where the blockchain is located receives input information, checking the input information, after the checking is completed, storing the input information into a memory pool, and updating a hash tree used for recording the input information; then, updating the update time stamp to the time of receiving the input information, trying different random numbers, and calculating the characteristic value for a plurality of times, so that the calculated characteristic value can meet the following formula:

SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))<TARGET

Wherein SHA256 is a eigenvalue algorithm used to calculate eigenvalues; version (version number) is version information of the related block protocol in the block chain; the prev_hash is the block header characteristic value of the parent block of the current block; the merkle_root is a characteristic value of input information; ntime is the update time of the update timestamp; the nbits is the current difficulty, is a fixed value in a period of time, and is determined again after exceeding a fixed period of time; x is a random number; TARGET is a eigenvalue threshold that can be determined from nbits.

Thus, when the random number meeting the formula is calculated, the information can be correspondingly stored to generate the block head and the block main body, and the current block is obtained. And then, the node where the blockchain is located sends the newly generated blocks to other nodes in the data sharing system where the newly generated blocks are located according to the node identification of other nodes in the data sharing system, the other nodes verify the newly generated blocks, and the newly generated blocks are added into the blockchain stored in the newly generated blocks after the verification is completed.

In an embodiment of the present application, the third party server 210 may store the information of the foreign currency prepaid sheets in the form of blockchains in a third party server database. In performing the step of transmitting the cash letter to the public financial clearing server when the foreign currency prepaid letter is not transmitted to the corresponding financial institution server, comprising: storing the information of the foreign currency prepaid bill into a third party server database in the form of a blockchain; meanwhile, in the data sharing system where the third party server 210 is located, the blockchain storing the information of the foreign currency prepaid bill is updated synchronously; reading a foreign currency prepaid bill from a third party server database when the system time reaches a preset batch processing time; when the foreign currency prepaid slip is not sent to the corresponding financial institution server, the third party server sends the offer slip to the public financial clearing server.

The following are device embodiments of the present application, which may be used to perform method embodiments of the present application. For details not disclosed in the device embodiments of the present application, please refer to the method embodiments of the present application.

Referring to fig. 14, fig. 14 is a block diagram showing a foreign currency payment apparatus according to an exemplary embodiment of the present application. The foreign currency payment device may be implemented as all or part of a third party server by software, hardware, or a combination of both. The device comprises:

a prepaid bill reading module 1410, configured to, when sending a bill payment success notification to a third party client, read, from a data cache server, a foreign currency prepaid bill corresponding to the bill payment success notification;

and a cash order transmitting module 1420 configured to transmit a cash order to a public financial clearing server when the foreign currency prepaid order is not transmitted to a corresponding financial institution server, where a remark field of the cash order includes a foreign currency amount to be returned, a currency of a foreign currency, and a money exchange rate, and the cash order is configured to be forwarded to the financial institution server by the public financial clearing server, and instruct the financial institution server to perform a payment operation on the foreign currency prepaid order according to the remark field.

In an alternative embodiment, the device further comprises an application receiving module, an identification card number inquiring module, a credit card information inquiring module, a first sending module and a verification code receiving module. The application receiving module is used for receiving an audit function opening application sent by the third party client, wherein the audit function opening application is used for applying for opening an audit function of a foreign currency bill of the third party client, and the audit function opening application comprises a communication number; the identity card number query module is used for calling the sensitive information query interface to acquire an identity card number bound by a user account; the credit card information inquiry module is used for calling a sensitive information inquiry interface to acquire a credit card number and a user name bound with the user account number from a third-party server database; the first sending module is used for calling a sensitive information inquiry interface to send bill inquiry opening information to a financial institution server, the bill inquiry opening information comprises the communication number, an identity card number bound by the user account, a credit card number and a user name bound by the user account, and the bill inquiry opening information is used for triggering the financial institution server to send a first verification code to the communication number when passing through the financial institution server; the verification code receiving module is used for calling a bill inquiry interface to send a second verification code to the financial institution server when the second verification code sent by the third party client is received, and the second verification code is used for triggering the financial institution server to open the audit function of the third party client when the second verification code is the same as the first verification code.

In an alternative embodiment, the apparatus further comprises a audit request receiving module, a foreign bill obtaining module, and a second sending module. The audit request receiving module is used for receiving a credit card bill inquiry request sent by the third party client, wherein the credit card bill inquiry request is used for inquiring a foreign bill; the foreign currency bill obtaining module is used for calling a bill inquiring interface to obtain a foreign currency bill corresponding to the credit card bill inquiring request from the financial institution server when the audit function is opened, wherein the foreign currency bill comprises the currency, exchange rate and refund foreign currency amount of the foreign currency; the second sending module is configured to send the foreign currency account to the third party client.

In an alternative embodiment, the apparatus further comprises an amount receiving module, a foreign currency amount calculating module, and a third sending module. And the money receiving module is used for receiving the money repayment amount sent by the third party client. The foreign currency amount calculation module is used for calling a repayment amount distribution interface and calculating the repayment amount according to a preset distribution rule and the home currency repayment amount. The third sending module is configured to send the foreign currency amount to the third party client, where the foreign currency amount is displayed in a front end interface of the third party client.

In an alternative embodiment, the apparatus further comprises a prepaid bill receiving module, a fourth transmitting module, and a prepaid bill return module. The prepaid bill receiving module is used for receiving a foreign currency prepaid bill sent by the third party client, and the foreign currency prepaid bill comprises the foreign currency amount to be returned and the home currency amount corresponding to the foreign currency amount to be returned; the fourth sending module is used for calling a pre-ordering interface to send the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate to the data cache server; and the prepaid bill returning module is used for calling the pre-ordering interface to return the information of the foreign prepaid bill to the third party client.

In an alternative embodiment, the bill of lading sending module 1420 is configured to store information of the foreign currency prepaid bill in the form of blockchains in the third party server database; reading the foreign currency prepaid bill from the third party server database when the system time reaches a preset batch processing time; and when the foreign currency prepaid bill is not sent to the corresponding financial institution server, sending the cash registers to the public financial clearing server, wherein the third party server is a node in the data sharing system, and the third party server database stores information of the foreign currency prepaid bill in a blockchain mode.

In summary, according to the foreign currency repayment device provided by the embodiment of the application, the audit function opening application can be provided in the third party client, so that the user can directly check the foreign currency bill of the user in the third party client without opening the financial client corresponding to the financial server, the operation of checking the foreign currency bill by the user is saved, and the checking efficiency of the foreign currency bill is improved.

Embodiments of the present application also provide a computer readable medium storing at least one instruction that is loaded and executed by the processor to implement the foreign currency payment method of the above embodiments.

It should be noted that: in the foreign currency payment apparatus provided in the above embodiment, when the foreign currency payment method is executed, only the division of the above functional modules is used for illustration, in practical application, the above functional allocation may be performed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the functions described above. In addition, the foreign currency repayment device and the foreign currency repayment method provided in the foregoing embodiments belong to the same concept, and specific implementation processes thereof are detailed in the method embodiments and are not described herein again.

The foregoing embodiment numbers of the present application are merely for describing, and do not represent advantages or disadvantages of the embodiments.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is merely illustrative of the possible embodiments of the present application and is not intended to limit the present application, but any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the present application are intended to be included within the scope of the present application.

Claims

1. A foreign currency repayment system, wherein the system comprises a third party server, a data cache server, a public financial clearing server and a financial institution server;

the third party server is used for sending a cash-out bill to the public financial clearing server when the foreign currency prepaid bill is not sent to the corresponding financial institution server, wherein the cash-out bill contains the money amount of the home currency, and the remark field of the cash-out bill comprises the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate;

the financial institution server extracts the money according to the money amount in the cash register; according to the information of the foreign currency amount, the currency of the foreign currency and the exchange rate in the remark field, the extracted home currency is exchanged for the foreign currency, and then the repayment operation is carried out on the foreign currency prepaid bill;

The public financial clearing server is used for recording and clearing a home currency bill between the third party server and the financial institution server, and the foreign currency prepaid bill is a foreign currency bill for the third party client to entrust the third party server to pay a corresponding credit card.

2. A foreign currency repayment method, which is applied to a third party server, the method comprising:

when the foreign currency prepaid list is not sent to the corresponding financial institution server, sending a cash withdrawal list to a public financial clearing server, wherein the cash withdrawal list comprises a home currency amount, the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate, and the cash withdrawal list is used for being forwarded to the financial institution server by the public financial clearing server and instructing the financial institution server to withdraw the home currency according to the home currency amount in the cash withdrawal list; according to the foreign currency amount, the currency of the foreign currency and the exchange rate information in the remark field, the extracted home currency is exchanged for the foreign currency, and then the repayment operation is carried out on the foreign currency prepaid bill;

3. The method according to claim 2, wherein the method further comprises:

receiving an audit function opening application sent by the third party client, wherein the audit function opening application is used for applying for opening the audit function of the foreign currency bill of the third party client, and the audit function opening application comprises a communication number;

calling a sensitive information inquiry interface to acquire an identity card number bound by a user account;

calling a sensitive information inquiry interface to acquire a credit card number and a user name bound with the user account number from a third-party server database;

invoking a sensitive information query interface to send bill query opening information to a financial institution server, wherein the bill query opening information comprises the communication number, an identity card number bound by the user account, a credit card number and a user name bound by the user account, and the bill query opening information is used for triggering the financial institution server to send a first verification code to the communication number when passing through the financial institution server;

And when receiving a second verification code sent by the third party client, calling a bill inquiry interface to send the second verification code to the financial institution server, wherein the second verification code is used for triggering the financial institution server to open the audit function of the third party client when the second verification code is the same as the first verification code.

4. A method according to claim 3, characterized in that the method further comprises:

receiving a credit card bill inquiry request sent by the third party client, wherein the credit card bill inquiry request is used for inquiring a foreign bill;

when the audit function is opened, a bill inquiry interface is called to acquire a foreign currency bill corresponding to the credit card bill inquiry request from the financial institution server, wherein the foreign currency bill comprises the currency, exchange rate and refund foreign currency amount of the foreign currency;

and sending the foreign currency account list to the third party client.

5. The method according to claim 4, wherein the method further comprises:

receiving the money repayment amount sent by the third party client;

calling a repayment amount distribution interface, and calculating the amount of the foreign currency to be returned according to a preset distribution rule and the repayment amount of the home currency;

And sending the refund foreign currency amount to the third party client, wherein the refund foreign currency amount is used for being displayed in a front-end interface of the third party client.

6. The method of claim 5, wherein the method further comprises:

receiving a foreign currency prepaid list sent by the third party client, wherein the foreign currency prepaid list comprises the foreign currency amount to be returned and a home currency amount corresponding to the foreign currency amount to be returned;

calling a pre-ordering interface to send the foreign currency amount to be returned, the home currency amount corresponding to the foreign currency amount to be returned, the currency of the foreign currency and the exchange rate to the data cache server;

and calling the pre-order interface to return the information of the foreign prepaid order to the third party client.

7. The method of claim 6, wherein the third party server is a node in a data sharing system, wherein the third party server database stores information of the foreign prepaid sheets in the form of blockchains, and wherein sending the promissory sheets to a public financial clearing server when the foreign prepaid sheets are not sent to the corresponding financial institution server comprises:

storing information of the foreign currency prepaid bill in a blockchain form into the third party server database;

Reading the foreign currency prepaid bill from the third party server database when the system time reaches a preset batch processing time;

the cash letter is sent to the public financial clearing server when the foreign currency prepaid letter is not sent to the corresponding financial institution server.

8. A foreign currency payment apparatus for use in a third party server, the apparatus comprising:

a cash register sending module, configured to send a cash register to a public financial clearing server when the foreign currency prepaid register is not sent to a corresponding financial institution server, where the cash register includes a home currency amount, a currency of a foreign currency, and a rate of exchange, and the cash register is configured to be forwarded to the financial institution server by the public financial clearing server and instruct the financial institution server to extract a home currency according to the home currency amount in the cash register; according to the foreign currency amount, the currency of the foreign currency and the exchange rate information in the remark field, the extracted home currency is exchanged for the foreign currency, and then the repayment operation is carried out on the foreign currency prepaid bill;

9. A server comprising a processor, a memory coupled to the processor, and program instructions stored on the memory, wherein execution of the program instructions by the processor implements the foreign currency payment method of any one of claims 2 to 7.

10. A computer readable storage medium having stored therein program instructions, which when executed by a processor, implement a foreign currency repayment method according to any one of claims 2 to 7.