CN111435498B - Cross-border payment processing method and device and electronic equipment - Google Patents
Cross-border payment processing method and device and electronic equipment Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The embodiment of the invention provides a cross-border payment processing method, a device and electronic equipment, wherein the method comprises the following steps: responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner; transmitting a exchange instruction to the exchange partner in response to the home currency payment information of the buyer; the money amount is remitted to the exchange partner, and the foreign exchange amount remitted by the exchange partner is received; the foreign exchange amount is remitted 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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
Description
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
Money exchange and payment the important part of cross-border trade, in order contracts of cross-border trade, payment is generally carried out by agreeing with the currency of the area where the seller is located, and a situation that different currencies are used between the seller and the buyer often exists. One of the main payment modes of cross-border trade is wire transfer, and in the wire transfer process, a transfer link often occurs, in the prior art, a buyer needs to perform currency exchange offline, and then, the buyer pays money in an order contract by using foreign currency. The money clearing and settlement time requirements for cross-border money transfer also have uncertainty due to large fluctuations in exchange rates, resulting in great inconvenience to the buyer's wire payment process. For example, the exchange rate of the home currency exchange foreign currency is updated from time to time, and the money clearing and settlement time of the cross-border money transfer may take 1-2 working days, plus the time period consumed between the order placement and the payment of the money, which results in great inconvenience to the payment operation of the buyer.
Disclosure of Invention
The embodiment of the invention provides a cross-border payment processing method, a cross-border payment processing device and electronic equipment, which are used for simplifying 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: responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner;
transmitting a exchange instruction to the exchange partner in response to the home currency payment information of the buyer;
the money amount is remitted to the exchange partner, and the foreign exchange amount remitted by the exchange partner is received;
the foreign exchange amount is remitted to the seller.
The embodiment of the invention also provides a cross-border payment processing device, which comprises:
the lock sink processing module is used for responding to the lock sink operation of the buyer and sending a lock sink instruction to the exchange partner;
the exchange processing module is used for responding to the home currency payment information of the buyer and sending an exchange instruction to the exchange partner;
the exchange settlement module is used for remitting the money amount to the exchange partner and receiving the foreign exchange amount remitted by the exchange partner;
and the foreign exchange payment module is used for remitting the foreign exchange amount to the seller.
The embodiment of the invention also provides electronic equipment, which comprises:
a memory for storing a program;
a processor coupled to the memory for executing the program for processing as follows:
responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner;
transmitting a exchange instruction to the exchange partner in response to the home currency payment information of the buyer;
the money amount is remitted to the exchange partner, and the foreign exchange amount remitted by the exchange partner is received;
the foreign exchange amount is remitted 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 currency and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying an order according to buyer information in an order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the money amount according to the lock exchange rate and the foreign exchange amount;
and in response to the operation of the buyer paying the home currency amount to the virtual account corresponding to the order contract, exchange processing is performed, and the foreign currency amount is paid to the seller.
The embodiment of the invention also provides electronic equipment, which comprises:
a memory for storing a program;
a processor coupled to the memory for executing the program for processing as follows:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange currency and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying an order according to buyer information in an order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the money amount according to the lock exchange rate and the foreign exchange amount;
and in response to the operation of the buyer paying the home currency amount to the virtual account corresponding to the order contract, exchange processing is performed, and the foreign currency amount is paid 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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
The foregoing description is only an overview of the present invention, and is intended to be implemented in accordance with the teachings of the present invention in order that the same may be more clearly understood and to make the same and other objects, features and advantages of the present invention more readily apparent.
Drawings
Fig. 1 is one of application scenarios of a cross-border payment processing method according to an embodiment of the present invention;
FIG. 2 is a second application scenario diagram of a cross-border payment processing method according to an embodiment of the present invention;
FIG. 3 is a flow chart of a cross-border payment processing method according to an embodiment of the present 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.
Description of the 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, the buyers and sellers usually use different currencies, and in order contracts, the buyers and sellers generally agree to pay with the currencies of the region where the sellers are located, so that the problems of exchange rate fluctuation and shortage of exchange time are faced in the exchange and payment process.
Specifically, as shown in fig. 1, it is one of application scenarios of the cross-border payment processing method according to the embodiment of the present invention. Links related to cross-border payment in the whole application scene mainly relate to links shown in (1) to (8) in the figures. At the beginning of cross-border trade, both parties sign an order contract (shown as (1) in the figure) for a certain trade action, after the order contract is generated, based on the demand of a buyer for paying money to a seller, an operation (shown as (2) in the figure) for locking exchange rate is performed on a cross-border payment platform, after the cross-border payment platform receives information of the order contract sign and the exchange locking operation, an exchange locking instruction (shown as (3) in the figure) is sent to an exchange partner on one hand, and virtual account information (shown as (4) in the figure) is provided for the buyer, wherein the virtual account information is used for paying money through payment of the money in the cross-border payment platform for buying. The virtual account can be allocated for a transaction pair formed by the buyer and the seller, or can be allocated for a certain order contract of the buyer and the seller, so that the cross-border payment platform can determine the corresponding buyer and the specific order contract according to the virtual account after receiving the payment paid by the buyer. In addition, the virtual account can be provided to the buyer after the buyer and the seller make an order contract, so that the buyer can pay the money. The cross-border payment platform also detects the account-receiving condition on the virtual account, and after detecting that the amount corresponding to the buyer's exchange locking operation enters account, the cross-border payment platform sends an exchange indication (shown in the figure (7)) to the exchange partner, triggers the exchange partner to execute exchange processing, and can carry out exchange settlement (shown in the figure (8)) according to the exchange amount. Finally, the foreign currency money of the order contract is transferred to the seller by the cross-border paymate (shown as (9).
The buyers of the cross-border paymate, i.e., the payers of the cross-border paymate, may come from different countries, and the cross-border paymate may set up accounts at banks in many countries and regions. With this advantage, the cross-border paymate can use the buyer's local bank account to receive the amount paid by the buyer in this currency, thereby avoiding the time and cost of the cross-border money transfer. Therefore, when 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 a 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, online lock exchange and foreign exchange payment are realized through the cross-border payment platform, in the process, the cross-border payment platform provides lock exchange service for buyers through cooperation with exchange partners on one hand, so that more allowance money transfer time can be provided for the buyers, on the other hand, after lock exchange, the buyers pay to the cross-border payment platform by using the home currency within the lock exchange period, exchange interaction is carried out between the cross-border payment platform and the exchange partners, and finally, the cross-border payment platform carries out foreign exchange operation to sellers.
The internal structure of the cross-border paymate is described further 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 parts: a foreign exchange center, a fund center and a receipt system. The acquiring system is responsible for receiving the collection information of the bank corresponding to the cross-border payment platform, identifying the source information of funds to be associated with corresponding order contract information and the like, and providing the information to the foreign exchange center for further exchange and money transfer processing. For example, when receiving money from a bank corresponding to the cross-border paymate, the order receiving system identifies corresponding buyer order contract information according to a virtual account where the money is located, and further determines buyer information of the paid money, so as to provide the buyer information to the foreign exchange center for exchange processing, or when receiving foreign currency exchanged by an exchange partner, provides the information to the foreign exchange center to trigger the foreign exchange center to transfer funds to a seller.
The foreign exchange center is responsible for carrying out related interaction with the buyer and the seller and cross-border payment, carrying out interaction of locking exchange and sending exchange indication with exchange partners, and sending indication of money transfer to an internal money center. For example, after an order contract is signed, the foreign exchange center responds to the buyer's exchange locking operation to send an indication of the exchange rate to the exchange partner, and responds to the buyer payment information prompt of the order receiving system after the buyer pays the money, on one hand, the foreign exchange center is instructed to transfer the money paid by the buyer to the exchange partner, and on the other hand, the foreign exchange center sends an exchange indication to the exchange partner. In addition, after the foreign currency exchanged by the exchange partner is transferred to the 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 order receiving system.
The fund center is responsible for managing the fund flow, receives the indication of the foreign exchange center to transfer the funds, and interacts with the banks corresponding to the platform to execute various funds transfer. For example, in response to the indication from the foreign exchange center, the money is transferred to the exchange facilitator and the foreign money is transferred 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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
The technical scheme of the invention is further described by the following specific examples.
Example 1
As shown in fig. 3, a flow chart of a cross-border payment processing method according to an embodiment of the present invention is shown, and the method includes the following steps:
s101: and sending a lock sink instruction to the exchange partner in response to the lock sink operation of the buyer.
Specifically, in cross-border trade, both parties of the buyer and the seller sign an order contract for a certain trade action, after the order contract is generated, based on the demand of paying money from the buyer to the seller, the operation of locking exchange rate is executed on a cross-border payment platform, and after receiving the information of the order contract sign and the exchange locking operation, the cross-border payment platform sends an exchange locking instruction to an exchange partner. The lock exchange instruction can include contents such as lock exchange rate information, lock exchange amount, lock exchange term and the like.
S102: and sending exchange indication to 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, foreign currency and corresponding foreign currency amount can be determined according to the order contract signed by the buyer and the seller, then the home currency used for paying the order is determined according to the buyer information, and then the home currency amount is determined and displayed according to the locking exchange rate and the foreign currency amount.
Specifically, currency used by the location of the seller and foreign currency corresponding to the transaction can be determined through an order contract signed by the buyer and the seller, and meanwhile, the used home currency can be determined for payment by the buyer, so that the home currency amount to be paid can be obtained according to the locked exchange rate and the foreign currency corresponding to the transaction, a virtual account information can be generated by the cross-border payment platform based on the order contract, and the virtual account information can be displayed to the buyer, so that the buyer can pay the home currency. Wherein the virtual account information corresponds to a bank account in the same foreign exchange area as the buyer. Because buyers may come from different countries, cross-border paymate platforms may set up accounts at banks in many countries and regions. With this advantage, the cross-border paymate can use the buyer's local bank account to receive the amount paid by the buyer in this currency, thereby avoiding the time and cost of the cross-border money transfer. Therefore, when 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 a 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 be provided to the buyer after the buyer and the seller make an order contract, so that the buyer can pay the money.
After the buyer pays the money of the present currency corresponding to the order contract, the account-arriving fund information of the virtual account corresponding to the virtual account information can be identified, and if the present currency payment information corresponding to the lock exchange request is identified, exchange instruction is sent to the exchange partner.
Specifically, the cross-border paymate may detect the account-receiving condition on the virtual account, and after detecting that the amount corresponding to the buyer's exchange locking operation is checked in, the cross-border paymate will send an exchange instruction to the exchange partner to trigger the exchange partner to execute exchange processing.
S103: and the money amount is remitted to the remittance partner, and the foreign exchange amount remitted by the remittance partner is received.
After receiving the instruction of executing exchange, the cross-border payment platform and the exchange partner can carry out exchange settlement according to the amount of exchange, the cross-border payment platform transfers the corresponding home currency of 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, through the exchange processing, finally, the foreign currency money of the order contract is transferred to the seller by the cross-border payoff platform.
Therefore, in the embodiment of the invention, online lock exchange and foreign exchange payment are realized through the cross-border payment platform, in the process, the cross-border payment platform provides lock exchange service for buyers through cooperation with exchange partners on one hand, so that more allowance money transfer time can be provided for the buyers, on the other hand, after lock exchange, the buyers pay to the cross-border payment platform by using the home currency within the lock exchange period, exchange interaction is carried out by the cross-border payment platform and the exchange partners, and finally, foreign exchange operation is carried out to sellers by the cross-border payment platform.
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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
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:
the lock sink processing module 21 is configured to send a lock sink instruction to the exchange partner in response to a lock sink operation of the buyer. The corresponding function of the lock sink processing module 21 may be implemented by the foreign sink center in fig. 2.
Specifically, in cross-border trade, both parties of the buyer and the seller sign an order contract for a certain trade action, after the order contract is generated, based on the demand of paying money from the buyer to the seller, the operation of locking exchange rate is executed on a cross-border payment platform, and after receiving the information of the order contract sign and the exchange locking operation, the cross-border payment platform sends an exchange locking instruction to an exchange partner. The lock exchange instruction can include contents such as lock exchange rate information, lock exchange amount, lock exchange term and the like.
The exchange processing module 22 is configured to send an exchange instruction to the exchange partner in response to the banknote payment information of the buyer. The corresponding function of the exchange processing module 22 may be implemented by the foreign exchange center in fig. 2.
In addition, the embodiment of the invention can also comprise a payment interface interaction module, wherein the payment interface interaction module is used for executing interface interaction processing related to foreign exchange payment with the buyer, the corresponding function of the payment interface interaction module can be realized through a foreign exchange center in fig. 2, and the specific payment interface interaction module can execute the following processing:
determining foreign exchange money and corresponding foreign exchange amount according to an order contract signed by the buyer and the seller;
determining a home currency used for paying an order according to the buyer information;
and determining and displaying the money amount according to the locking exchange rate and the foreign exchange amount.
In addition, the payment interface interaction module is further configured to: virtual account information is generated from the order contract and displayed to the buyer.
Accordingly, in the exchange processing module, in response to the buyer's home currency payment information, sending an exchange indication to the exchange partner may include:
and identifying the account-arriving fund information of the virtual account corresponding to the virtual account information, and if the home currency payment information corresponding to the exchange request is identified, sending an exchange instruction to the exchange partner.
Specifically, in the embodiment of the invention, after an order contract is generated and the exchange rate is locked, foreign currency and corresponding foreign currency amount can be determined according to the order contract signed by the buyer and the seller, then the home currency used for paying the order is determined according to the buyer information, and then the home currency amount is determined and displayed according to the locked exchange rate and the foreign currency amount.
Specifically, currency used by the location of the seller and foreign currency corresponding to the transaction can be determined through an order contract signed by the buyer and the seller, and meanwhile, the used home currency can be determined for payment by the buyer, so that the home currency amount to be paid can be obtained according to the locked exchange rate and the foreign currency corresponding to the transaction, a virtual account information can be generated by the cross-border payment platform based on the order contract, and the virtual account information can be displayed to the buyer, so that the buyer can pay the home currency. Wherein the virtual account information corresponds to a bank account in the same foreign exchange area as the buyer. Because buyers may come from different countries, cross-border paymate platforms may set up accounts at banks in many countries and regions. With this advantage, the cross-border paymate can use the buyer's local bank account to receive the amount paid by the buyer in this currency, thereby avoiding the time and cost of the cross-border money transfer. Therefore, when 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 a 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 be provided to the buyer after the buyer and the seller make an order contract, so that the buyer can pay the money.
After the buyer pays the money of the present currency corresponding to the order contract, the account-arriving fund information of the virtual account corresponding to the virtual account information can be identified, and if the present currency payment information corresponding to the lock exchange request is identified, exchange instruction is sent to the exchange partner.
Specifically, the cross-border paymate may detect the account-receiving condition on the virtual account, and after detecting that the amount corresponding to the buyer's exchange locking operation is checked in, the cross-border paymate will send an exchange instruction to the exchange partner to trigger the exchange partner to execute exchange processing.
And the exchange settlement module 23 is used for remitting the money amount to the exchange partner and receiving the foreign exchange amount which the exchange partner remits. The corresponding function of the exchange settlement module 23 may be implemented by the fund center in fig. 2.
After receiving the instruction of executing exchange, the cross-border payment platform and the exchange partner can carry out exchange settlement according to the amount of exchange, the cross-border payment platform transfers the corresponding home currency of the order contract to the exchange partner, and the exchange partner exchanges the exchanged foreign currency into the cross-border payment platform.
And a foreign exchange payment module 24 for remitting a foreign exchange amount to the seller. The corresponding functionality of the foreign exchange payment module 24 may be implemented by the funding center in fig. 2.
Specifically, through the exchange processing, finally, the foreign currency money of the order contract is transferred to the seller by the cross-border payoff platform.
Therefore, in the embodiment of the invention, online lock exchange and foreign exchange payment are realized through the cross-border payment platform, in the process, the cross-border payment platform provides lock exchange service for buyers through cooperation with exchange partners on one hand, so that more allowance money transfer time can be provided for the buyers, on the other hand, after lock exchange, the buyers pay to the cross-border payment platform by using the home currency within the lock exchange period, exchange interaction is carried out by the cross-border payment platform and the exchange partners, and finally, foreign exchange operation is carried out to sellers by the cross-border payment platform.
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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
Example III
The embodiment provides a cross-border payment processing method for an order, and the whole cross-border payment process is mainly processed based on information in an order contract, and comprises the following steps:
s201: an order contract entered by the buyer and the seller is obtained, and a foreign exchange currency and a corresponding foreign exchange amount are obtained from the order contract. At the beginning of cross-border trade, the buyer and the seller sign an order contract for a certain trade action, the order contract can be signed based on the cross-border trade platform, in the order contract, the payment is generally agreed with the currency of the area where the seller is located, and when the flow of cross-border payment is started, the agreed payment currency and the payment amount are acquired from the order contract.
S202: the present currency used to pay the order is determined from the buyer information in the order contract.
S203: in response to the buyer's lock exchange operation, lock exchange processing is performed, and the home currency amount is determined based on the lock exchange rate and the foreign currency amount. After the buyer triggers the lock exchange, 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 operation of the buyer paying the home money amount to the virtual account corresponding to the order contract, exchange processing is performed, and the foreign exchange amount is paid to the seller. After the buyer pays the local money to the virtual account provided by the cross-border trade platform by the current currency, the cross-border trade platform can determine which amount belongs to the order contract according to the corresponding relation between the virtual account and the order contract, exchange processing is further executed, and the cross-border trade platform pays the corresponding foreign currency amount to the seller. Wherein, the process of locking and exchanging exchanges performed by the cross-border trading platform can be accomplished through cooperation with exchange partners.
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 finish the processing of lock exchange, exchange and foreign currency payment, so that the buyer can conveniently realize online lock exchange, and after lock exchange, the buyer can finish payment by the home currency without paying attention to the intermediate link, the cross-border payment complexity is simplified, and the cross-border payment platform is used for lock exchange processing, so that more abundant payment time can be given to the buyer.
Example IV
The foregoing embodiment describes the flow processing and device structure of the embodiment of the present invention, and the functions of the foregoing method and device may be implemented by an electronic device, as shown in fig. 5, which is a schematic structural diagram of the electronic device of the embodiment of the present invention, and specifically includes: a memory 110 and a processor 120.
A memory 110 for storing a program.
In addition to the programs described above, the memory 110 may also be configured to store various other 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 the like.
The memory 110 may be implemented by any type or combination of volatile or nonvolatile 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 disk.
A processor 120, coupled to the memory 110, for executing programs in the memory 110 for performing the following processes:
responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner;
transmitting a exchange instruction to a exchange partner in response to the home currency payment information of the buyer;
the method comprises the steps of remitting the money amount to a remittance partner and receiving the foreign exchange amount remitted by the remittance partner;
the foreign exchange amount is remitted to the seller.
Wherein the processing may further comprise:
determining foreign exchange money and corresponding foreign exchange amount according to an order contract signed by the buyer and the seller;
determining a home currency used for paying an order according to the buyer information;
and determining and displaying the money amount according to the locking exchange rate and the foreign exchange amount.
Wherein the processing may further comprise: virtual account information is generated according to the order contract and displayed to the buyer,
transmitting a exchange instruction to a exchange partner in response to the buyer's home currency payment information includes:
and identifying the account-arriving fund information of the virtual account corresponding to the virtual account information, and if the home currency payment information corresponding to the exchange request is identified, sending an exchange instruction to the exchange partner.
Wherein generating virtual account information from the order contract may include:
virtual account information is generated from the buyer information in the order contract, the virtual account information corresponding to a bank account in the same foreign exchange area as the buyer.
The lock exchange instruction may include lock exchange rate information, lock exchange amount and lock exchange term.
As another embodiment, there is provided an electronic apparatus including:
a memory 110 for storing a program;
a processor 120, coupled to the memory 110, for executing programs in the memory 110 for performing the following processes:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange currency and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying an order according to buyer information in an order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the money amount according to the lock exchange rate and the foreign exchange amount;
in response to the operation of the buyer paying the home money amount to the virtual account corresponding to the order contract, exchange processing is performed, and the foreign exchange amount is paid to the seller.
The above detailed description of the processing procedure, the detailed description of the technical principle and the detailed analysis of the technical effect are described in the foregoing embodiments, and are not repeated herein.
Further, as shown, the electronic device may further include: communication component 130, power component 140, audio component 150, display 160, and other components. The drawing shows only a part of the components schematically, which does not mean that the electronic device comprises only the components shown in the drawing.
The communication component 130 is configured to facilitate communication between the electronic device and other devices in a wired or wireless manner. The electronic device may access a wireless network based on a communication standard, such as WiFi,2G, or 3G, or a combination thereof. In one 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 one 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.
A power supply assembly 140 provides power to the various components of the electronic device. Power supply components 140 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for electronic devices.
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 signals may be further stored in the memory 110 or transmitted via the communication component 130. In some embodiments, the audio assembly 150 further includes a speaker for outputting audio signals.
The display 160 includes a screen, which may include a Liquid Crystal Display (LCD) 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. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may sense not only the boundary of a touch or sliding action, but also the duration and pressure associated with the touch or sliding operation.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the method embodiments described above may be performed by hardware associated with program instructions. The foregoing program may be stored in a computer readable storage medium. The program, when executed, performs steps including the method embodiments described above; and the aforementioned storage medium includes: various media that can store program code, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the invention.
Claims (9)
1. A cross-border payment processing method, comprising:
responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner; the buyer's lock exchange operation is an operation of locking exchange rate performed on a cross-border paymate; the lock exchange instruction comprises lock exchange rate information, lock exchange amount and lock exchange term; the cross-border payment platform comprises an foreign exchange center, a fund center and an acquiring system, wherein the foreign exchange center is responsible for carrying out related interaction with cross-border payment with a buyer and a seller, carrying out delivery of locking exchange and sending exchange instructions with exchange partners, and sending a fund transfer instruction to the internal fund center;
transmitting a exchange instruction to the exchange partner in response to the home currency payment information of the buyer; the home currency payment information is generated according to virtual account information generated by the cross-border payment platform based on an order contract of a buyer and a seller, and the virtual account information corresponds to a bank account in the same foreign exchange area with the buyer;
the money amount is remitted to the exchange partner, and the foreign exchange amount remitted by the exchange partner is received;
remit the foreign exchange amount to the seller;
the sending a exchange instruction to the exchange partner in response to the home currency payment information of the buyer includes:
and identifying the account-arriving fund information of the virtual account corresponding to the virtual account information, and if the banknote payment information corresponding to the lock exchange request is identified, sending exchange instruction to the exchange partner.
2. The method of claim 1, wherein the method further comprises:
determining foreign exchange money and corresponding foreign exchange amount according to an order contract signed by the buyer and the seller;
determining a home currency used for paying an order according to the buyer information;
and determining and displaying the home currency amount according to the locking exchange rate and the foreign currency amount.
3. The method of claim 1, wherein the method further comprises: and generating virtual account information according to the order contract and displaying the virtual account information to the buyer.
4. A cross-border payment processing apparatus, comprising:
the lock sink processing module is used for responding to the lock sink operation of the buyer and sending a lock sink instruction to the exchange partner; the buyer's lock exchange operation is an operation of locking exchange rate performed on a cross-border paymate; the lock exchange instruction comprises lock exchange rate information, lock exchange amount and lock exchange term; the cross-border payment platform comprises an foreign exchange center, a fund center and an acquiring system, wherein the foreign exchange center is responsible for carrying out related interaction with cross-border payment with a buyer and a seller, carrying out delivery of locking exchange and sending exchange instructions with exchange partners, and sending a fund transfer instruction to the internal fund center;
the exchange processing module is used for responding to the home currency payment information of the buyer and sending an exchange instruction to the exchange partner; the home currency payment information is generated according to virtual account information generated by the cross-border payment platform based on an order contract of a buyer and a seller, and the virtual account information corresponds to a bank account in the same foreign exchange area with the buyer;
the exchange settlement module is used for remitting the money amount to the exchange partner and receiving the foreign exchange amount remitted by the exchange partner;
the foreign exchange payment module is used for remitting the foreign exchange amount to the seller;
the exchange processing module is further configured to:
and identifying the account-arriving fund information of the virtual account corresponding to the virtual account information, and if the banknote payment information corresponding to the lock exchange request is identified, sending exchange instruction to the exchange partner.
5. The apparatus of claim 4, further comprising a payment interface interaction module to perform the following:
determining foreign exchange money and corresponding foreign exchange amount according to an order contract signed by the buyer and the seller;
determining a home currency used for paying an order according to the buyer information;
and determining and displaying the home currency amount according to the locking exchange rate and the foreign currency amount.
6. The apparatus of claim 5, 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.
7. An electronic device, comprising:
a memory for storing a program;
a processor coupled to the memory for executing the program for processing as follows:
responding to the sink locking operation of the buyer, and sending a sink locking instruction to a sink partner; the buyer's lock exchange operation is an operation of locking exchange rate performed on a cross-border paymate; the lock exchange instruction comprises lock exchange rate information, lock exchange amount and lock exchange term; the cross-border payment platform comprises an foreign exchange center, a fund center and an acquiring system, wherein the foreign exchange center is responsible for carrying out related interaction with cross-border payment with a buyer and a seller, carrying out delivery of locking exchange and sending exchange instructions with exchange partners, and sending a fund transfer instruction to the internal fund center;
transmitting a exchange instruction to the exchange partner in response to the home currency payment information of the buyer; the home currency payment information is generated according to virtual account information generated by the cross-border payment platform based on an order contract of a buyer and a seller, and the virtual account information corresponds to a bank account in the same foreign exchange area with the buyer;
the money amount is remitted to the exchange partner, and the foreign exchange amount remitted by the exchange partner is received;
remit the foreign exchange amount to the seller;
the sending a exchange instruction to the exchange partner in response to the home currency payment information of the buyer includes:
and identifying the account-arriving fund information of the virtual account corresponding to the virtual account information, and if the banknote payment information corresponding to the lock exchange request is identified, sending exchange instruction to the exchange partner.
8. A cross-border payment processing method of an order comprises the following steps:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange currency and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying an order according to buyer information in an order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the money amount according to the lock exchange rate and the foreign exchange amount; the buyer's lock exchange operation is an operation of locking exchange rate performed on a cross-border paymate; the lock exchange instruction comprises lock exchange rate information, lock exchange amount and lock exchange term; the cross-border payment platform comprises an foreign exchange center, a fund center and an acquiring system, wherein the foreign exchange center is responsible for carrying out related interaction with cross-border payment with a buyer and a seller, carrying out delivery of locking exchange and sending exchange instructions with exchange partners, and sending a fund transfer instruction to the internal fund center;
in response to the buyer paying the home currency amount to a virtual account corresponding to the order contract, performing exchange processing and paying the foreign currency amount to the seller; the virtual account is generated by the cross-border paymate based on an order contract of a buyer with a seller, the virtual account information corresponding to a bank account in the same foreign exchange area as the buyer.
9. An electronic device, comprising:
a memory for storing a program;
a processor coupled to the memory for executing the program for processing as follows:
acquiring an order contract signed by a buyer and a seller, and acquiring foreign exchange currency and corresponding foreign exchange amount from the order contract;
determining a home currency used for paying an order according to buyer information in an order contract;
responding to the lock exchange operation of the buyer, executing lock exchange processing, and determining the money amount according to the lock exchange rate and the foreign exchange amount; the buyer's lock exchange operation is an operation of locking exchange rate performed on a cross-border paymate; the lock exchange instruction comprises lock exchange rate information, lock exchange amount and lock exchange term; the cross-border payment platform comprises an foreign exchange center, a fund center and an acquiring system, wherein the foreign exchange center is responsible for carrying out related interaction with cross-border payment with a buyer and a seller, carrying out delivery of locking exchange and sending exchange instructions with exchange partners, and sending a fund transfer instruction to the internal fund center;
in response to the buyer paying the home currency amount to a virtual account corresponding to the order contract, performing exchange processing and paying the foreign currency amount to the seller; the virtual account is generated by the cross-border paymate based on an order contract of a buyer with a seller, the virtual account information corresponding to a bank account in the same foreign exchange area as the buyer.
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| CN112766944A (en) * | 2021-01-19 | 2021-05-07 | 广州新丝路信息科技有限公司 | Cross-border fund management method, device and system |
| TWI802969B (en) * | 2021-08-20 | 2023-05-21 | 思創奇策股份有限公司 | Cross-border remittance device, system and cross-border remittance transaction system |
| CN117592992B (en) * | 2024-01-17 | 2024-05-28 | 快捷通支付服务有限公司 | Method, equipment and medium for cross-border junction rendering |
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