CN111435498A - Cross-border payment processing method and device and electronic equipment - Google Patents

Cross-border payment processing method and device and electronic equipment Download PDF

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Publication number
CN111435498A
CN111435498A CN201910033152.4A CN201910033152A CN111435498A CN 111435498 A CN111435498 A CN 111435498A CN 201910033152 A CN201910033152 A CN 201910033152A CN 111435498 A CN111435498 A CN 111435498A
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exchange
buyer
amount
lock
foreign
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CN111435498B (en
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李国樑
魏星
叶思恩
陈立嵩
陈明
邹冠群
闵兵
叶华俊
李帆
邢世祥
陈孝武
刘正同
冯海波
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The embodiment of the invention provides a cross-border payment processing method, a cross-border payment processing device and electronic equipment, wherein the method comprises the following steps: in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner; sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information; remitting the money amount to the exchange partner and receiving the foreign currency amount remitted by the exchange partner; and remitting the foreign exchange amount to the seller. According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.

Description

Cross-border payment processing method and device and electronic equipment
Technical Field
The application relates to a cross-border payment processing method and device and electronic equipment, and belongs to the technical field of computers.
Background
The important links of currency exchange and payment of cross-border trade are that in the order contract of cross-border trade, the payment is generally agreed to be made in the currency of the region where the seller is located, and the situation that different currencies are used often exists between the seller and the buyer. One of the main payment methods for cross-border trade is wire transfer, in the process of wire transfer, an exchange link often occurs, and in the prior art, a buyer needs to exchange money online and then pay money in an order contract in foreign currency. Due to the large fluctuation of the exchange rate, the fund clearing and settlement time requirement of cross-border remittance is uncertain, so that the wire transfer payment processing of the buyer is very inconvenient. For example, the exchange rate of the home currency exchanged for the foreign currency is updated from time to time, and the fund clearing and settlement time for cross-border remittance needs 1-2 working days, and the time consumed between the order making and the fund payment, which causes inconvenience in the payment operation of the buyer.
Disclosure of Invention
The embodiment of the invention provides a cross-border payment processing method and device and electronic equipment, and aims to simplify the complexity of cross-border payment.
In order to achieve the above object, an embodiment of the present invention provides a cross-border payment processing method, including: in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner;
sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information;
remitting the money amount to the exchange partner and receiving the foreign currency amount remitted by the exchange partner;
and remitting the foreign exchange amount to the seller.
The embodiment of the invention also provides a cross-border payment processing device, which comprises:
the lock transfer processing module is used for responding to the lock transfer operation of the buyer and sending a lock transfer instruction to the transfer partner;
the exchange processing module is used for responding to the money payment information of the buyer and sending an exchange instruction to the exchange partner;
the exchange settlement module is used for exchanging the money amount to the exchange partner and receiving the foreign exchange amount exchanged by the exchange partner;
and the foreign exchange payment module is used for remitting the foreign exchange amount to the seller.
An embodiment of the present invention further provides an electronic device, including:
a memory for storing a program;
a processor, coupled to the memory, for executing the program for:
in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner;
sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information;
remitting the money amount to the exchange partner and receiving the foreign currency amount remitted by the exchange partner;
and remitting the foreign exchange amount to the seller.
The embodiment of the invention also provides a cross-border payment processing method of the order, which comprises the following steps:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange money and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying the order according to the buyer information in the order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the home currency according to the lock exchange rate and the amount of the foreign exchange;
and in response to the operation that the buyer pays the currency amount to the virtual account corresponding to the order contract, executing exchange processing, and paying the foreign exchange amount to the seller.
An embodiment of the present invention further provides an electronic device, including:
a memory for storing a program;
a processor, coupled to the memory, for executing the program for:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange money and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying the order according to the buyer information in the order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the home currency according to the lock exchange rate and the amount of the foreign exchange;
and in response to the operation that the buyer pays the currency amount to the virtual account corresponding to the order contract, executing exchange processing, and paying the foreign exchange amount to the seller.
According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Fig. 1 is a schematic view of an application scenario of a cross-border payment processing method according to an embodiment of the present invention;
fig. 2 is a second application scenario diagram of the cross-border payment processing method according to the embodiment of the invention;
FIG. 3 is a flowchart illustrating a cross-border payment processing method according to an embodiment of the invention;
FIG. 4 is a schematic structural diagram of a cross-border payment processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed description of the preferred embodiments
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art
In the cross-border trade payment process, a buyer and a seller usually use different currencies, and in an order contract, the buyer is generally agreed to pay by the currency of the region of the seller, so that the problems of exchange rate fluctuation and short delivery time are faced in the exchange and payment processes.
In particular, as shown in FIG. 1, which is one of the application scenarios of the cross-border payment processing method of the embodiment of the present invention, the link related to cross-border payment in the entire application scenario mainly relates to the links shown in the figures ① - ⑧. at the beginning of cross-border trading, the buyer and the seller sign an order contract for a certain trading action (shown in ①), after the order contract is generated, an instruction to lock the exchange rate is executed on the cross-border payment platform based on the demand of the buyer to pay the seller (shown in ②), after the cross-border payment platform receives the information of the order contract signing and the lock exchange operation, one party issues an instruction to the exchange partner (shown in ③), on the other hand, the buyer is provided with virtual account information (shown in ④) for the buyer to pay the cross-border buyer platform through the payment home currency.
Buyers of the cross-border payment platform, i.e. payers of cross-border payments, may come from different countries, and the cross-border payment platform may set up accounts in banks in many countries and regions. With this advantage, the cross-border payment platform can use the buyer's local bank account to receive the amount of money paid by the buyer in this currency, thereby avoiding the time and cost of cross-border remittance. Therefore, when the virtual account information is generated according to the buyer and the seller, the virtual account information can be generated according to the buyer information, and the generated virtual account information corresponds to the bank account in the same foreign exchange area with the buyer, so that the buyer can conveniently pay to the cross-border payment platform in the home currency.
In the embodiment of the invention, the cross-border payment platform is used for realizing on-line remittance and foreign exchange payment, in the process, on one hand, the cross-border payment platform provides a remittance service for a buyer through cooperation with a remittance partner so as to provide more abundant remittance time for the buyer, on the other hand, the buyer can pay to the cross-border payment platform by using the local currency within the term of the remittance after the remittance, then, the cross-border payment platform and the remittance partner perform remittance interaction, and finally, the cross-border payment platform performs foreign exchange operation on a seller.
The internal structure of the cross-border payment platform is described below. As shown in fig. 2, which is a second application scenario diagram of the cross-border payment processing method according to the embodiment of the present invention, the cross-border payment platform may include three core components: a foreign exchange center, a fund center and an acquiring system. The receipt system is responsible for receiving the collection information of the bank corresponding to the cross-border payment platform, identifying the source information of the fund to associate corresponding order contract information and the like, and providing the information to the foreign exchange center for further exchange and fund transfer processing. For example, when a bank corresponding to the cross-border payment platform receives a money item, the acquiring system identifies corresponding buyer and seller order contract information according to a virtual account where the money item is located, and further determines buyer information for paying the money, so that the buyer information is provided to the foreign exchange center for exchange processing, or after foreign currency exchanged by an exchange partner is received, the buyer information is provided to the foreign exchange center to trigger the foreign exchange center to transfer the money to the seller.
The foreign exchange center is responsible for relevant interaction with buyers and sellers with cross-border payment, interaction with exchange partners for locking exchanges and issuing exchange instructions, and instruction for transferring funds to the internal funds center. For example, after the order contract is signed, the foreign exchange center will respond to the buyer's operation of locking exchange and send out the instruction of locking exchange rate to the exchange partner, and after the buyer pays the money, respond to the buyer's information prompt of paying the order system, on one hand instruct the fund center to transfer the money paid by the buyer to the exchange partner, and on the other hand send out the instruction of exchanging exchange to the exchange partner. In addition, after foreign currency exchanged by the exchange partner is transferred to a bank corresponding to the cross-border payment platform, an instruction for transferring the foreign currency to the seller is sent to the fund center in response to the prompt of the acquiring system.
The fund center is responsible for managing the part of fund flow, receives the instruction of the foreign exchange center to transfer funds, and interacts with the bank corresponding to the platform to execute various fund transfers. For example, the money funds may be transferred to the exchange facilitator and the foreign funds may be transferred to the seller, etc., in response to instructions from the foreign exchange center, as described above.
According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.
The technical solution of the present invention is further illustrated by some specific examples.
Example one
Fig. 3 is a schematic flow chart of a cross-border payment processing method according to an embodiment of the present invention, which includes the following steps:
s101: in response to the buyer's lock transfer operation, a lock transfer instruction is sent to the exchange partner.
Specifically, in cross-border trading, a buyer and a seller sign an order contract for a certain trading behavior, after the order contract is generated, an exchange rate locking operation is executed on a cross-border payment platform based on the demand of the buyer for paying the goods to the seller, and after the cross-border payment platform receives information of the order contract signing and the exchange operation, a exchange partner sends an exchange locking instruction. The lock transfer instruction may include contents such as lock transfer rate information, lock foreign transfer amount, lock transfer period, and the like.
S102: an exchange indication is sent to the exchange partner in response to the buyer's home currency payment information.
In the embodiment of the invention, after the order contract is generated and the exchange rate is locked, the foreign exchange currency and the corresponding foreign exchange amount can be determined according to the order contract signed by the buyer and the seller, the home currency used for paying the order is determined according to the buyer information, and the home currency amount is determined and displayed according to the locked exchange rate and the foreign exchange amount.
Specifically, the currency used by the seller and the foreign exchange amount corresponding to the transaction can be determined through the order contract signed by the buyer and the seller, and the local currency used by the buyer for payment can be determined, so that the local currency amount to be paid can be obtained according to the locked exchange rate and the foreign exchange amount corresponding to the transaction, the cross-border payment platform can generate virtual account information based on the order contract, and the virtual account information is displayed to the buyer so that the buyer can pay the local currency. Wherein the virtual account information corresponds to a bank account that is in the same fx area as the buyer. Since the buyers may be from different countries, the cross-border payment platform may set up accounts in banks in many countries and regions. With this advantage, the cross-border payment platform can use the buyer's local bank account to receive the amount of money paid by the buyer in this currency, thereby avoiding the time and cost of cross-border remittance. Therefore, when the virtual account information is generated according to the buyer and the seller, the virtual account information can be generated according to the buyer information, and the generated virtual account information corresponds to the bank account in the same foreign exchange area with the buyer, so that the buyer can conveniently pay to the cross-border payment platform in the home currency. In addition, the virtual account can also be provided for the buyer after the buyer and the seller sign an order contract, so that the buyer can pay the money.
After the buyer pays the money corresponding to the order contract, the account fund information of the virtual account corresponding to the virtual account information can be identified, and if the money payment information corresponding to the money locking request is identified, a money exchange instruction is sent to the exchange partner.
Specifically, the cross-border payment platform may detect an account arrival condition on the virtual account, and when detecting that an amount corresponding to the buyer's money locking operation is entered, the cross-border payment platform sends an instruction of money exchange to the exchange partner to trigger the exchange partner to perform money exchange processing.
S103: remit the money amount to the exchange partner and receive the foreign currency amount remitted by the exchange partner.
After receiving the instruction of executing the exchange, the cross-border payment platform and the exchange partner can exchange and settle accounts according to the exchange amount, the cross-border payment platform sends the home currency corresponding to the order contract to the exchange partner, and the exchange partner exchanges the exchanged foreign currency into the cross-border payment platform.
S104: the foreign exchange amount is remitted to the seller.
Specifically, the foreign currency of the order contract is transferred to the seller by the cross-border payment platform through the exchange processing.
Therefore, in the embodiment of the invention, the cross-border payment platform is used for realizing on-line remittance and foreign exchange payment, in the process, on one hand, the cross-border payment platform provides a remittance service for a buyer through cooperation with a remittance partner so as to provide more abundant remittance time for the buyer, on the other hand, the buyer only needs to pay to the cross-border payment platform by using the home currency within the term of the remittance after the remittance, then, the cross-border payment platform and the remittance partner perform remittance interaction, and finally, the cross-border payment platform performs foreign exchange operation on a seller.
According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.
Example two
Fig. 4 is a schematic structural diagram of a cross-border payment processing apparatus according to an embodiment of the present invention, where the apparatus includes:
and the lock transfer processing module 21 is used for responding to the lock transfer operation of the buyer and sending a lock transfer instruction to the transfer partner. The corresponding functions of the lock transfer processing module 21 can be realized by the foreign exchange center in fig. 2.
Specifically, in cross-border trading, a buyer and a seller sign an order contract for a certain trading behavior, after the order contract is generated, an exchange rate locking operation is executed on a cross-border payment platform based on the demand of the buyer for paying the goods to the seller, and after the cross-border payment platform receives information of the order contract signing and the exchange operation, a exchange partner sends an exchange locking instruction. The lock transfer instruction may include contents such as lock transfer rate information, lock foreign transfer amount, lock transfer period, and the like.
And the exchange processing module 22 is used for responding to the currency payment information of the buyer and sending an exchange instruction to the exchange partner. The corresponding functions of the swap processing module 22 can be realized by the fx center in fig. 2.
In addition, the embodiment of the present invention may further include a payment interface interaction module, where the payment interface interaction module is configured to execute interface interaction processing related to the foreign exchange payment performed by the buyer, and a function corresponding to the payment interface interaction module may be implemented by a foreign exchange center in fig. 2, where the payment interface interaction module may execute the following processing:
determining foreign exchange currency and corresponding foreign exchange amount according to an order contract signed by a buyer and a seller;
determining a home currency used for paying the order according to the buyer information;
and determining and displaying the money amount according to the locked exchange rate and the foreign exchange amount.
In addition, the payment interface interaction module is further configured to: and generating virtual account information according to the order contract and displaying the virtual account information to the buyer.
Accordingly, in the exchange processing module, sending an exchange indication to the exchange partner in response to the buyer's native currency payment information may include:
and identifying account fund information of the virtual account corresponding to the virtual account information, and if identifying the home currency payment information corresponding to the money locking request, sending a money exchange instruction to the exchange partner.
Specifically, in the embodiment of the present invention, after the order contract is generated and the exchange rate is locked, the foreign exchange currency and the corresponding foreign exchange amount may be determined according to the order contract signed by the buyer and the seller, the home currency used for paying the order is determined according to the buyer information, and the home currency amount is determined and displayed according to the locked exchange rate and the foreign exchange amount.
Specifically, the currency used by the seller and the foreign exchange amount corresponding to the transaction can be determined through the order contract signed by the buyer and the seller, and the local currency used by the buyer for payment can be determined, so that the local currency amount to be paid can be obtained according to the locked exchange rate and the foreign exchange amount corresponding to the transaction, the cross-border payment platform can generate virtual account information based on the order contract, and the virtual account information is displayed to the buyer so that the buyer can pay the local currency. Wherein the virtual account information corresponds to a bank account that is in the same fx area as the buyer. Since the buyers may be from different countries, the cross-border payment platform may set up accounts in banks in many countries and regions. With this advantage, the cross-border payment platform can use the buyer's local bank account to receive the amount of money paid by the buyer in this currency, thereby avoiding the time and cost of cross-border remittance. Therefore, when the virtual account information is generated according to the buyer and the seller, the virtual account information can be generated according to the buyer information, and the generated virtual account information corresponds to the bank account in the same foreign exchange area with the buyer, so that the buyer can conveniently pay to the cross-border payment platform in the home currency. In addition, the virtual account can also be provided for the buyer after the buyer and the seller sign an order contract, so that the buyer can pay the money.
After the buyer pays the money corresponding to the order contract, the account fund information of the virtual account corresponding to the virtual account information can be identified, and if the money payment information corresponding to the money locking request is identified, a money exchange instruction is sent to the exchange partner.
Specifically, the cross-border payment platform may detect an account arrival condition on the virtual account, and when detecting that an amount corresponding to the buyer's money locking operation is entered, the cross-border payment platform sends an instruction of money exchange to the exchange partner to trigger the exchange partner to perform money exchange processing.
And the exchange settlement module 23 is used for exchanging the money amount to the exchange partner and receiving the foreign exchange amount exchanged by the exchange partner. The corresponding functions of the remittance settlement module 23 may be realized by the fund center in fig. 2.
After receiving the instruction of executing the exchange, the cross-border payment platform and the exchange partner can exchange and settle accounts according to the exchange amount, the cross-border payment platform sends the home currency corresponding to the order contract to the exchange partner, and the exchange partner exchanges the exchanged foreign currency into the cross-border payment platform.
And the foreign exchange payment module 24 is used for remitting the foreign exchange amount to the seller. The corresponding functionality of the foreign exchange payment module 24 may be implemented by the funding center of fig. 2.
Specifically, the foreign currency of the order contract is transferred to the seller by the cross-border payment platform through the exchange processing.
Therefore, in the embodiment of the invention, the cross-border payment platform is used for realizing on-line remittance and foreign exchange payment, in the process, on one hand, the cross-border payment platform provides a remittance service for a buyer through cooperation with a remittance partner so as to provide more abundant remittance time for the buyer, on the other hand, the buyer only needs to pay to the cross-border payment platform by using the home currency within the term of the remittance after the remittance, then, the cross-border payment platform and the remittance partner perform remittance interaction, and finally, the cross-border payment platform performs foreign exchange operation on a seller.
According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.
EXAMPLE III
The embodiment provides a cross-border payment processing method for an order, wherein the whole cross-border payment process is mainly processed based on information in an order contract, and the method comprises the following steps:
s201: the method comprises the steps of obtaining an order contract signed by a buyer and a seller, and obtaining foreign exchange money and corresponding foreign exchange amount from the order contract. At the beginning of the cross-border trade, the buyer and the seller sign an order contract with a certain trade behavior, the order contract can be signed based on the cross-border trade platform, in the order contract, the payment is generally agreed to be made in the currency of the region where the seller is located, and when the process of cross-border payment is started, the agreed payment currency and payment amount are firstly obtained from the order contract.
S202: and determining the home currency used for paying the order according to the buyer information in the order contract.
S203: and responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the currency according to the lock exchange rate and the amount of the foreign exchange. After the buyer triggers the lock, the exchange rate is determined, and the amount of the money to be paid can be calculated according to the locked exchange rate.
S204: in response to the buyer paying the amount of the home currency to the virtual account corresponding to the order contract, a remittance process is performed and the amount of the foreign currency is paid to the seller. After the buyer pays local money to the virtual account provided by the cross-border trading platform by the home currency, the cross-border trading platform can determine the money of which order contract belongs according to the corresponding relation between the virtual account and the order contract, further execute the exchange processing, and pay corresponding foreign currency money to the seller by the cross-border trading platform. Wherein the lock transfer process and the exchange process performed by the cross-border trading platform can be completed through cooperation with the exchange partner.
According to the technical scheme provided by the embodiment of the invention, the cross-border payment platform is used as an intermediate party to help the buyer to complete the processing of lock remittance, exchange and foreign currency payment, so that the buyer can conveniently realize online lock remittance, the payment can be completed by the local currency after the lock remittance without paying attention to an intermediate link, the cross-border payment complexity is simplified, and the lock remittance processing is carried out by the cross-border payment platform, so that the buyer can be given more abundant payment time.
Example four
The foregoing embodiment describes a flow process and a device structure according to an embodiment of the present invention, and the functions of the method and the device can be implemented by an electronic device, as shown in fig. 5, which is a schematic structural diagram of the electronic device according to an embodiment of the present invention, and specifically includes: a memory 110 and a processor 120.
And a memory 110 for storing a program.
In addition to the programs described above, the memory 110 may also be configured to store other various data to support operations on the electronic device. Examples of such data include instructions for any application or method operating on the electronic device, contact data, phonebook data, messages, pictures, videos, and so forth.
The memory 110 may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.
A processor 120, coupled to the memory 110, for executing the program in the memory 110, for performing the following:
in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner;
sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information;
remit the money amount to the remittance partner and receive the foreign currency amount remitted by the remittance partner;
the foreign exchange amount is remitted to the seller.
Wherein the processing may further include:
determining foreign exchange currency and corresponding foreign exchange amount according to an order contract signed by a buyer and a seller;
determining a home currency used for paying the order according to the buyer information;
and determining and displaying the money amount according to the locked exchange rate and the foreign exchange amount.
Wherein the processing may further include: virtual account information is generated and displayed to the buyer according to the order contract,
sending a swap indication to the exchange partner in response to the buyer's home currency payment information includes:
and identifying account fund information of the virtual account corresponding to the virtual account information, and if identifying the home currency payment information corresponding to the money locking request, sending a money exchange instruction to the exchange partner.
Wherein, generating the virtual account information according to the order contract may include:
and generating virtual account information according to the buyer information in the order contract, wherein the virtual account information corresponds to a bank account in the same foreign exchange area with the buyer.
The lock transfer instruction may include the lock transfer rate information, the lock foreign transfer amount, and the lock transfer period.
As another embodiment, there is provided an electronic device including:
a memory 110 for storing a program;
a processor 120, coupled to the memory 110, for executing the program in the memory 110, for performing the following:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange money and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying the order according to the buyer information in the order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the home currency according to the lock exchange rate and the foreign exchange amount;
in response to the buyer paying the amount of the home currency to the virtual account corresponding to the order contract, a remittance process is performed and the amount of the foreign currency is paid to the seller.
The above detailed descriptions of the processing procedure, the technical principle, and the technical effect are described in detail in the foregoing embodiments, and are not repeated herein.
Further, as shown, the electronic device may further include: communication components 130, power components 140, audio components 150, display 160, and other components. Only some of the components are schematically shown in the figure and it is not meant that the electronic device comprises only the components shown in the figure.
The communication component 130 is configured to facilitate wired or wireless communication between the electronic device and other devices. The electronic device may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 130 receives a broadcast signal or broadcast related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 130 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
The power supply component 140 provides power to the various components of the electronic device. The power components 140 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for an electronic device.
The audio component 150 is configured to output and/or input audio signals. For example, the audio component 150 includes a Microphone (MIC) configured to receive external audio signals when the electronic device is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in the memory 110 or transmitted via the communication component 130. In some embodiments, audio assembly 150 also includes a speaker for outputting audio signals.
The display 160 includes a screen, which may include a liquid crystal display (L CD) and a Touch Panel (TP). if the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from a user.
Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims (11)

1. A cross-border payment processing method, comprising:
in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner;
sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information;
remitting the money amount to the exchange partner and receiving the foreign currency amount remitted by the exchange partner;
and remitting the foreign exchange amount to the seller.
2. The method of claim 1, wherein the method further comprises:
determining foreign exchange currency and corresponding foreign exchange amount according to an order contract signed by a buyer and a seller;
determining a home currency used for paying the order according to the buyer information;
and determining and displaying the money amount according to the locked exchange rate and the foreign exchange amount.
3. The method of claim 1, wherein the method further comprises: generating virtual account information according to the order contract and displaying the virtual account information to the buyer,
the sending an exchange indication to the exchange partner in response to the buyer's native currency payment information comprises:
and identifying account fund information of the virtual account corresponding to the virtual account information, and if identifying the home currency payment information corresponding to the money locking request, sending a money exchange instruction to the exchange partner.
4. The method of claim 3, wherein the generating virtual account information according to the order contract comprises:
and generating virtual account information according to the buyer information in the order contract, wherein the virtual account information corresponds to a bank account in the same foreign exchange area with the buyer.
5. The method of claim 1, wherein the lock transfer instruction includes lock transfer rate information, lock foreign transfer amount, and lock transfer deadline.
6. A cross-border payment processing apparatus comprising:
the lock transfer processing module is used for responding to the lock transfer operation of the buyer and sending a lock transfer instruction to the transfer partner;
the exchange processing module is used for responding to the money payment information of the buyer and sending an exchange instruction to the exchange partner;
the exchange settlement module is used for exchanging the money amount to the exchange partner and receiving the foreign exchange amount exchanged by the exchange partner;
and the foreign exchange payment module is used for remitting the foreign exchange amount to the seller.
7. The apparatus of claim 6, further comprising a payment interface interaction module configured to:
determining foreign exchange currency and corresponding foreign exchange amount according to an order contract signed by a buyer and a seller;
determining a home currency used for paying the order according to the buyer information;
and determining and displaying the money amount according to the locked exchange rate and the foreign exchange amount.
8. The apparatus of claim 7, wherein the payment interface interaction module is further to: and generating virtual account information according to the order contract and displaying the virtual account information to the buyer.
In an exchange processing module, said sending an exchange indication to the exchange partner in response to the buyer's native currency payment information comprises:
and identifying account fund information of the virtual account corresponding to the virtual account information, and if identifying the home currency payment information corresponding to the money locking request, sending a money exchange instruction to the exchange partner.
9. An electronic device, comprising:
a memory for storing a program;
a processor, coupled to the memory, for executing the program for:
in response to the buyer's lock transfer operation, sending a lock transfer instruction to the transfer partner;
sending a money transfer instruction to the exchange partner in response to the buyer's home currency payment information;
remitting the money amount to the exchange partner and receiving the foreign currency amount remitted by the exchange partner;
and remitting the foreign exchange amount to the seller.
10. A cross-border payment processing method for an order, comprising:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange money and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying the order according to the buyer information in the order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the home currency according to the lock exchange rate and the amount of the foreign exchange;
and in response to the operation that the buyer pays the currency amount to the virtual account corresponding to the order contract, executing exchange processing, and paying the foreign exchange amount to the seller.
11. An electronic device, comprising:
a memory for storing a program;
a processor, coupled to the memory, for executing the program for:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange money and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying the order according to the buyer information in the order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the amount of the home currency according to the lock exchange rate and the amount of the foreign exchange;
and in response to the operation that the buyer pays the currency amount to the virtual account corresponding to the order contract, executing exchange processing, and paying the foreign exchange amount to the seller.
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