CN111523870B

CN111523870B - Order data processing method and device and computer equipment

Info

Publication number: CN111523870B
Application number: CN201910105313.6A
Authority: CN
Inventors: 陈建玮; 林骅; 王健; 段卓; 翟晨; 谯杨; 郭凯; 刘巍; 徐鼎杰; 杨博林; 凌威龙; 杨普; 潘俊俊
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2019-02-01
Filing date: 2019-02-01
Publication date: 2023-05-02
Anticipated expiration: 2039-02-01
Also published as: CN111523870A

Abstract

The application discloses a processing method and device of order data and computer equipment. Wherein the method comprises the following steps: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after receiving the confirmation information, carrying out pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Description

Order data processing method and device and computer equipment

Technical Field

The present invention relates to the field of electronic payment, and in particular, to a method and apparatus for processing order data, and a computer device.

Background

At present, when a cross-border e-commerce business is carried out, the cross-border e-commerce business is often collected to a personal bank account of a buyer according to an offline purchasing bill, then the personal bank account is recharged to a third party payment platform, and commodity purchasing is carried out based on the third party payment platform. In the purchasing process, from the junction to the personal bank account and then waiting until the final recharging to the third party payment platform, a relatively long time is often occupied, for example, 3-5 days is occupied, so that the time of cross-border transaction is increased, and meanwhile, due to the fact that manual operations are involved in the purchasing process, errors are easy to occur.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the application provides a processing method and device of order data and computer equipment, which at least solve the technical problems of longer cross-border transaction time, easy occurrence of human errors and the like in the related technology.

According to an aspect of the embodiments of the present application, there is provided a method for processing order data, including: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after receiving the confirmation information, carrying out pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

According to another aspect of the embodiments of the present application, there is provided another method for processing order data, including: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; and carrying out pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

According to still another aspect of the embodiments of the present application, there is further provided a computer device for providing a human-machine interface, where the human-machine interface includes: the first control is used for displaying an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the received remittance rate, and the available amount is an amount of a fund type supported by a second account which is different from the fund type supported by the first account; the second control is used for displaying the amount of the order corresponding to the to-be-issued order and the order information corresponding to the to-be-issued order; the third control is used for sending order information corresponding to the to-be-sent order to the first account when the amount of the order is smaller than the available amount and the third control is triggered; a fourth control, configured to receive a confirmation instruction of a user, where the confirmation instruction is used to trigger generation of confirmation information of the first account, and the confirmation information is used to indicate that a commodity corresponding to the order information has been received; and the fifth control is used for displaying the target amount obtained by collecting the order amount after receiving the confirmation information.

According to still another aspect of the embodiments of the present application, there is further provided an apparatus for processing order data, including: the first determining module is used for determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the received remittance rate, and the available amount is an amount of a fund type supported by a second account which is different from the fund type supported by the first account; the second determining module is used for determining the amount of the order corresponding to the to-be-sent order; the sending module is used for sending order information corresponding to the to-be-sent order to the first account when the amount of the order is smaller than the available amount; the receiving module is used for receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and the converging payment module is used for converging the order amount after receiving the confirmation information to obtain a target amount and sending the target amount to the second account.

According to still another aspect of the embodiments of the present application, there is further provided an apparatus for processing order data, including: a third determining module, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received money transfer amount and the exchange rate, and the available amount is an amount of a funds type supported by a second account different from the funds type supported by the first account; a fourth determining module, configured to determine an order amount corresponding to the to-be-sent order; the sending module is used for sending order information corresponding to the to-be-sent order to the first account when the amount of the order is smaller than the available amount; and the converging payment module is used for converging the order amount to obtain a target amount and sending the target amount to the second account.

According to still another aspect of the embodiments of the present application, there is also provided a computer apparatus including: the system comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor realizes the steps in the order data processing method when executing the computer program.

According to yet another aspect of the embodiments of the present application, there is also provided a computer-readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the steps of the order data processing method described above.

The embodiment of the application also provides a processing method of the order data, which comprises the following steps: obtaining remittance amount received by a third party payment platform from the third party payment platform, wherein the remittance amount is an amount corresponding to a first currency type; determining an available amount corresponding to the money transfer amount based on the money transfer amount, wherein the available amount is an amount corresponding to a second currency type; and paying the order based on the available amount, and sending order information formed after the payment is completed to the third party payment platform, wherein the third party payment platform is used for performing pooling processing based on the order information.

The embodiment of the application also provides a processing device of order data, which comprises: the receiving module is used for obtaining remittance amount received by the third party payment platform from the third party payment platform, wherein the remittance amount is an amount corresponding to the first currency type; the determining module is used for determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to a second currency type; and the payment module is used for paying the order based on the available amount and sending order information formed after the payment is completed to the third party payment platform, wherein the third party payment platform is used for performing pooling processing based on the order information.

In the embodiment of the application, the available amount is determined based on the remittance amount and the remittance rate, when the order amount is smaller than the available amount, the order information is sent to the first account, after confirmation information for indicating that the commodity is received, the remittance processing is carried out, and the obtained target amount is sent to the second account. The funds can be purchased based on the available amount when the funds are in the state of waiting for the exchange, the processes of waiting for the exchange, remittance, recharging and the like are omitted, so that the time of cross-border transaction can be saved, and the process can be automatically realized, so that errors caused by human factors are further avoided, and the technical problems that the time of the cross-border transaction in the related art is longer, the human errors are easy to occur and the like are solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:

FIG. 1 is a schematic diagram of a computer device according to an embodiment of the present application;

FIG. 2 is a flow chart of a method of processing order data according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative cross-border transaction flow according to an embodiment of the present application;

FIG. 4 is a schematic diagram of a flow of funds in an alternative cross-border transaction flow according to embodiments of the application;

FIG. 5 is a flow chart of another method of processing order data according to an embodiment of the present application;

FIG. 6 is a schematic illustration of an alternative human-machine interface according to an embodiment of the present application;

FIG. 7 is a block diagram of an arrangement for processing order data according to an embodiment of the present application;

FIG. 8 is a block diagram of another order data processing apparatus according to an embodiment of the present application;

FIG. 9 is a flow chart of another method of processing order data according to an embodiment of the present application;

FIG. 10 is a flow chart of another alternative order data processing method according to an embodiment of the present application;

Fig. 11 is a block diagram of a processing apparatus for order data according to another embodiment of the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that embodiments of the present application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

First, partial terms or terminology appearing in describing embodiments of the present application are applicable to the following explanation:

junction and collection: and the enterprise or the individual performs the act of clearing the buying foreign exchange and the selling foreign exchange according to the exchange rate.

Cross-border transaction platform: based on the financial platform architecture, a generic term for platforms and its affiliated systems for providing cross-border business with sink, tie-up, payment within, and domestic financial services.

And (3) a payment platform: an identity card authorization interface and a provider of identity card data.

Preparing a payment account: the payment account is collected by a third party payment company according to an inner bank established by an outer bureau and a central office, and is constrained by the outer junction collection point of the outer tube and the management terms of the third party payment account of the central office.

Cross-border buyers: in this embodiment, this is a domestic buyer legal entity.

Post-sale refund: funds have been cleared to the seller account of the paymate.

Confirming the refund before receiving the goods: and confirming the refund before receiving the goods, wherein the section of funds of the external junction partner has control right, and the refund can be processed through the rolling stock.

Confirming the refund after receiving the goods: funds have arrived at the seller's paymate's account and funds management and control rights are not tied externally to the collection partner.

The current cross-border transaction business process can comprise a structure of an actual control person, an offshore company entity and an onshore company entity. Offshore companies are responsible for sales at overseas e-commerce platforms; the bank company is used as a purchasing entity and is responsible for purchasing goods sources in the environment (namely an in-environment purchasing platform). An offshore account corresponds to an offshore company, an onshore account corresponds to an onshore company, and the offshore account and the onshore account realize transaction pooling and the like of orders through a cross-border transaction platform. In the transaction flow, the flow of waiting for collection, remittance, recharging an account and the like is involved, and the processing time required for the flow is relatively long, and the flow involves manual operation, so that errors, such as collection certificates and actual transaction mismatch, are likely to occur.

In order to solve the above problems, the following detailed description is provided in connection with specific embodiments of the present application.

Example 1

In the embodiment of the application, an offshore account and an onshore account determine an available credit which can be used by a cross-border transaction platform by utilizing the exchange rate and the remittance amount of a buyer through the cross-border transaction platform; comparing the amount of the order with the available amount when the corresponding buyer of the offshore account (such as the first account) places the order, and allowing generation of order information when the order amount is smaller than the available amount; then sending the order information to an offshore account; after receiving the commodity, the user at the offshore account side confirms the receipt; and feeding back confirmation information for confirming the receipt to the cross-border transaction platform; after receiving the confirmation information, the cross-border transaction platform performs the exchange processing on the order amount, and the target amount obtained after the exchange processing is recharged to an on-shore account (such as a second account), so that the cross-border transaction flow is completed. Because the whole transaction flow is mainly finished on line, waiting time is not wasted in the flows of junction, remittance, recharging and the like, and purchasing can be directly carried out based on the available amount, the time of off-line operation is saved, and errors caused by manual operation can be avoided. Meanwhile, based on the cross-border transaction flow, the association of three sections of split services of overseas collection, cross-border collection and in-border payment (payment bank) can be realized, the cross-border electronic commerce loss can be reduced, and the purchase funds transfer rate can be improved.

Based on the principles described above, in accordance with an embodiment of the present application, there is provided an embodiment of a method for processing order data, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer executable instructions, and that although a logical order is illustrated in the flowchart, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

The method embodiment provided in the first embodiment of the present application may be executed in a mobile terminal, a computer device or a similar computing device. Fig. 1 shows a block diagram of a hardware architecture of a computer device (or mobile device) for implementing a method of processing order data. As shown in fig. 1, the computer device 10 (or mobile device 10) may include one or more processors 102 (shown in the figures as 102a, 102b, … …,102 n) (the processor 102 may include, but is not limited to, a microprocessor MCU, a programmable logic device FPGA, etc. processing means), a memory 104 for storing data, and a transmission module 106 for communication functions. In addition, the method may further include: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power supply, and/or a camera. It will be appreciated by those of ordinary skill in the art that the configuration shown in fig. 1 is merely illustrative and is not intended to limit the configuration of the electronic device described above. For example, computer device 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

It should be noted that the one or more processors 102 and/or other data processing circuits described above may be referred to generally herein as "data processing circuits. The data processing circuit may be embodied in whole or in part in software, hardware, firmware, or any other combination. Furthermore, the data processing circuitry may be a single stand-alone processing module, or incorporated in whole or in part into any of the other elements in the computer device 10 (or mobile device). As referred to in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of the path of the variable resistor termination to interface).

The memory 104 may be used to store software programs and modules of application software, such as a program instruction/data storage device corresponding to the () method in the embodiment of the present application, and the processor 102 executes the software programs and modules stored in the memory 104, thereby executing various functional applications and data processing, that is, implementing the above-mentioned vulnerability detection method of application program. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory located remotely from processor 102, which may be connected to computer device 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission means 106 is arranged to receive or transmit data via a network. Specific examples of the network described above may include a wireless network provided by a communications provider of the computer device 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC) that can connect to other network devices through a base station to communicate with the internet. In one example, the transmission device 106 may be a Radio Frequency (RF) module for communicating with the internet wirelessly.

The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the computer device 10 (or mobile device).

In the above-described operating environment, the present application provides a method for processing order data as shown in fig. 2. Fig. 2 is a flow chart of a method of processing order data according to an embodiment of the present application. As shown in fig. 2, the method comprises the following processing steps:

step S202, determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

Step S204, determining an order amount corresponding to the to-be-sent order;

step S206, when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account;

step S208, receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

step S210, after receiving the confirmation information, performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Based on the flow of steps S202-S210, the embodiment of the present application may directly perform purchasing based on the available credit without wasting waiting time in the flows of collecting, remitting, recharging, etc., so as to save time of offline operation and avoid errors caused by manual operation.

In some embodiments of the present application, step S202 may determine the available credit by: receiving a money transfer amount; determining an estimated amount based on the first current exchange rate and the money transfer amount; and deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

For example, an overseas company remits money to a third party payment company docked in a cross-border transaction platform, e.g., 10 ten thousand dollars; the third party payment company estimates the RMB amount (for example, 60 ten thousand RMB) based on the received remittance amount and the current remittance rate, and notifies the RMB amount to the account number registered by the buyer user in the domestic trade e-commerce platform.

In determining the estimated quota, various manners may be adopted:

for example, the estimated credit may be determined according to a preset deduction proportion and a remittance amount, where the preset deduction proportion may be determined by the remittance party according to a current actual remittance rate, and of course, if the remittance party or the cross-border transaction platform receives a certain service time, the preset deduction proportion may also be determined based on the current actual remittance rate and the service fee together, for example, the remittance amount is a, the current actual remittance rate is B, the service fee is determined based on a preset proportion C of the remittance amount, where the preset deduction proportion may be: b+c, at which the estimated quota d=a (b+c).

For another example, the preset amount may be determined by means of machine learning, and at this time, the following procedure may be expressed: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree of the characteristic data on the exchange rate; inputting the characteristic data set into a learning model for analysis to obtain a pooling difference, wherein the learning model is obtained through training of multiple groups of data, and each group of data in the multiple groups of data comprises: the sample characteristic data and the corresponding pooling difference of the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the estimated limit according to the target deduction proportion and the remittance amount.

The characteristic data may be a weight of a factor, or may be a weight corresponding to each data in a set of data, where each data in the set of data includes an influencing factor that influences the exchange rate, and a weight corresponding to the influencing factor. Such influencing factors include, but are not limited to: policy influencing factors, market supply and demand, central line intervention, gambling activities, economic influencing factors of the country in which the currency is located. The weights corresponding to the influence factors may be determined according to a mapping relationship, that is, each influence factor corresponds to a weight.

In some optional embodiments of the application, when the exchange processing is performed on the order amount, when there is only one exchange party, the exchange processing can be directly performed on the order amount according to the exchange rate provided by the exchange party; when there are multiple pooling parties, a target pooling party can be selected from the multiple pooling parties according to a preset rule to perform pooling processing, wherein the preset rule includes: and selecting the junction partner with the highest provided exchange rate. The selected target pooling party can be one or more, when the selected target pooling party is a plurality of target pooling parties, the order amount can be divided into a plurality of sub-amounts, and different sub-amounts are pooled according to exchange rates provided by different target pooling parties.

After the exchange processing is carried out on the order amount, the corresponding order is determined according to the available amount, and the available amount is limited, so that after the exchange is completed, the available amount is deducted to update the available amount, and therefore, the buyer can be prevented from generating the order without limit, and the funds bearing capacity of the buyer is exceeded, and the transaction risk is avoided.

Taking the e-commerce platform to place an order as an example, the process of placing an order for payment and confirming receipt is described:

step 1: the inner main body B (such as a first account) places an order on the e-commerce platform, and if the available amount exists, the payment mode corresponding to the available amount is used for completing the order placing payment; and simultaneously, after the order is placed, the e-commerce platform synchronizes the order information to a third party payment platform for providing a junction service so as to report the junction to an outer office.

Step 2: the seller delivers goods;

step 3: after receiving goods received by an internal main body B (such as a first account), receiving a control (confirming goods receiving) clicked by a user on an e-commerce platform, and requesting (a third party payment platform) to carry out junction by the e-commerce platform;

step 4: after receiving the request, the third party payment platform performs pooling, and increases the target amount obtained after pooling by a collection account (for example, a second account) opened by the seller on the online bank.

Because of variability in exchange rate, after the order amount is pooled to obtain the target amount, the exchange rate at this time may be different from the exchange rate when the available amount is determined, and at this time, the exchange rate needs to be determined to avoid loss to the buyer, specifically: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; obtaining a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available limit according to the target sink difference. Wherein the available credit may be adjusted by: when the target sink difference is larger than 0, reducing the available limit according to the target sink difference; when the target sink difference is smaller than 0, increasing the available limit according to the target sink difference; and when the target sink difference is equal to 0, the available quota is kept unchanged.

For example, when a collection is made, the user may be given a balance of the currency types supported by the second account due to the change in the collection difference, and the excess balance is added to the available credit for the next use by the user.

In order to further enhance the user experience, order information, available credit and the like can be displayed in the same interface, specifically: and displaying order information, a designated control (such as a confirmation receipt button in an interface) and the available quota in a preset human-computer interface, wherein the designated control generates confirmation information when triggered.

In some optional embodiments of the present application, the first account is an offshore account, and the second account is an onshore account; alternatively, the first account is an on-shore account and the second account is an off-shore account. Based on the offshore account and the onshore account, a cross-border transaction flow can be realized.

For a better understanding of the embodiments of the present application, the following describes the cross-border transaction flow in detail with reference to fig. 3, and as shown in fig. 3, the flow mainly includes three main flows: 1. a buyer service opening flow; 2. recharging and collecting; 3. e-commerce platform transaction flow (including payment/confirmation of receipt refund). The main roles involved include: the system comprises an overseas purchasing company body, an in-home e-commerce platform proxy purchasing agent (e-commerce platform buyer), an e-commerce platform seller, a third party payment platform and a partner bank of the third party payment platform. The following details the above 3 main processes:

scheme 1: buyer provisioning service

Step 1: the overseas company body A and the internal company body B sign a proxy purchasing protocol on a third party payment platform and agree on a buyer account ID of the electronic commerce platform for purchasing;

step 2: and the internal company main body B opens a cross-border transaction protocol on the e-commerce platform by using the contracted e-commerce platform account number, and the e-commerce platform and the third party payment platform are marked with data to finish the opening.

Scheme 2: foreign exchange recharging

The pre-condition is as follows: the E-commerce platform account number is used for completing the opening of the cross-border transaction platform service;

step 1: the foreign company remits 10W merry to the third party payment company (third party paymate);

step 2: after receiving 10W of U.S. money, the third party payoff platform predicts the 60W RMB amount (deduction cost and collection difference) and informs the E-commerce platform;

step 3: after the e-commerce platform receives the notice of the third-party payment platform, the 60W RMB is charged for the account number (equivalent to the first account) of the e-commerce platform of the inner main body, and the amount of the e-commerce platform can be used for ordering payment;

scheme 3: order payment and confirmation of receipt

Step 1: the internal main body B places an order on the E-commerce platform, and if the cross-border treasured amount exists, the cross-border treasured payment mode is used to complete the order placing payment; meanwhile, after the order is placed, the E-commerce platform synchronizes order information to a third party payment platform to be used for the junction reporting of the outer office

Step 2: the seller delivers goods;

step 3: after receiving goods, the inner main body B clicks [ confirms the receiving goods ] on the e-commerce platform, and the e-commerce platform requests the third party payment platform to carry out junction.

Step 4: after receiving the request, the third party payment company performs a collection, and pays the collected amount to a collection account (corresponding to a second account) opened by the online bank of the seller.

In addition, when the collection is regulated, the user can be provided with the RMB balance due to the change of the collection, and the balance can be added to the payable account balance (namely the available amount) of the user of the e-commerce platform for the next time of the user to use.

Scheme 4: refund.

After refund in sale, the refund amount is returned to the account to be used (corresponding to the first account) on the e-commerce platform for the user to pay next time. After-sale refunds, the seller refunds to the payment account adopted by the e-commerce platform buyer in the transaction.

In addition, to better illustrate the flow of funds in embodiments of the application, the following description is provided in detail in connection with FIG. 4. As shown in fig. 4, the funds flow is divided into two branch flows: the flow corresponding to the forward limit payment and the flow corresponding to the reverse refund comprise: the foreign exchange accounts of the offshore company and the buyers are ordered based on the amount; the third party payment platform is pooled; the online banking account of the seller receives money; and carrying out the rendering operation on the online banking account of the seller. The flow corresponding to the reverse refund comprises the following steps: flow A: confirm the receipt (i.e., the product is in the in-sale state). The buyer issues refunds; the third party payment company performs rolling stock treatment; refund clearing. Flow B: after confirming receipt, funds are transferred directly in the buyer's account and the seller's account.

According to the scheme provided by the embodiment of the application, the order generated by the transaction platform (such as an e-commerce platform) can be used as the pooling certificate, so that the problem of mismatch between the pooling certificate and the actual transaction can be regulated, the pooling payment can be directly paid into a seller account of the transaction platform, and the fund flow direction is clear, safe and controllable. In addition, funds can be purchased according to the available amount when entering an account to be collected, processes such as collection, remittance recharging and the like are not required to be waited, and the whole payment process is high in automation degree, so that downlink operation is not required; because there is no limit on the amount, the issue of large payments may be resolved, i.e., the money transfer may be paid directly into the seller's account.

It should be noted that, for simplicity of description, the foregoing method embodiments are all expressed as a series of action combinations, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required in the present application.

From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method described in the embodiments of the present application.

Example 2

The embodiment of the application also provides another processing method of order data, as shown in fig. 5, the method includes the following processing steps:

step S502, determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

In some embodiments of the present application, determining the available credit corresponding to the first account may be determined by: receiving a money transfer amount; determining an estimated amount based on the first current exchange rate and the money transfer amount; and deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

The estimated credit may be determined according to a preset fee deduction proportion and a remittance amount, and the preset fee deduction proportion may be determined by the remittance party according to a current actual remittance rate.

Step S504, determining an order amount corresponding to the to-be-sent order;

step S506, when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account;

and step S508, performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Based on the above-mentioned scheme provided in the embodiment of the present application, with respect to the scheme provided in embodiment 1, the payment for the collection may be performed without waiting until the receipt is confirmed, and the payment for the collection may be performed after the order is generated. In this way, transaction time may be further saved.

The preferred implementation manner of this embodiment may be referred to the related description in embodiment 1, and will not be repeated here.

Example 3

The present embodiment provides a computer device for providing a human-machine interface, as shown in fig. 6, where the human-machine interface 6 includes:

a first control 60 for displaying an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the exchange rate, and the available amount is an amount of a funds type supported by a second account different from the funds type supported by the first account;

a second control 62, configured to display an order amount corresponding to the to-be-issued order and order information corresponding to the to-be-issued order;

a third control 64, configured to send order information corresponding to the to-be-sent order to the first account when the amount of the satisfied order is less than the available amount and the third control is triggered;

a fourth control 66, configured to receive a confirmation instruction of the user, where the confirmation instruction is configured to trigger generation of confirmation information of the first account, where the confirmation information is configured to indicate that the commodity corresponding to the order information has been received;

And a fifth control 68 for displaying the target amount obtained by integrating the order amount after receiving the confirmation information.

In some embodiments of the present application, the first control 60, the second control 62, the third control 64, the fourth control 66, and the fifth control 68 in the man-machine interface are located in the same interface, for example, may be displayed in an order details management interface, where at least one of the following is displayed: available amount, commodity information corresponding to order information, order amount, order status, control for confirming receipt, etc

In addition, in some embodiments of the present application, the computer device (or mobile device) shown in FIG. 6 described above has a touch display (also referred to as a "touch screen" or "touch display"). In some embodiments, the computer device shown in fig. 6 above has a Graphical User Interface (GUI) that is a human-machine interface described above with which a user can interact human-machine by touching finger contacts and/or gestures on a touch-sensitive surface, where the human-machine interaction functions optionally include the following interactions: displaying the controls; executable instructions for performing the above-described human-machine interaction functions, such as creating web pages, drawing, word processing, making electronic documents, games, video conferencing, instant messaging, sending and receiving electronic mail, talking interfaces, playing digital video, playing digital music, and/or web browsing, are configured/stored in a computer program product or readable storage medium executable by one or more processors.

Example 4

The embodiment of the application also provides a processing device of order data, which is used for implementing the processing method of order data described in embodiment 1, as shown in fig. 7, and the device includes:

a first determining module 70, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received money transfer amount and the exchange rate, and the available amount is an amount of a funds type supported by a second account different from the funds type supported by the first account;

a second determining module 72, configured to determine an order amount corresponding to the to-be-issued order;

a sending module 74, configured to send order information corresponding to an order to be sent to the first account when the amount of the order is less than the available amount;

a receiving module 76, configured to receive confirmation information from the first account, where the confirmation information is used to indicate that the commodity corresponding to the order information has been received;

and the pooling payment module 78 is configured to perform pooling processing on the order amount after receiving the confirmation information, obtain a target amount, and send the target amount to the second account.

Based on the functions realized by the modules, the embodiment of the application can directly purchase based on the available quota without wasting waiting time in the flows of junction, remittance, recharging and the like, thereby saving the time of off-line operation and avoiding errors caused by manual operation.

In some embodiments of the present application, the first determination module 72 may determine the available credit by: receiving a money transfer amount; determining an estimated amount based on the first current exchange rate and the money transfer amount; and deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

In determining the estimated quota, various manners may be adopted:

In some optional embodiments of the application, when the exchange processing is performed on the order amount, when there is only one exchange party, the exchange processing can be directly performed on the order amount according to the exchange rate provided by the exchange party; when there are multiple pooling parties, the pooling payment module 78 in the above-mentioned order data processing apparatus may be further configured to select a target pooling party from the multiple pooling parties according to a preset rule, where the preset rule includes: and selecting the junction partner with the highest provided exchange rate. The selected target pooling party can be one or more, when the selected target pooling party is a plurality of target pooling parties, the order amount can be divided into a plurality of sub-amounts, and different sub-amounts are pooled according to exchange rates provided by different target pooling parties.

After the exchange processing is performed on the order amount, since the order corresponding to the order amount is determined according to the available amount and the available amount is limited, the available amount is deducted from the order amount after the exchange is completed, so as to update the available amount, and therefore, the processing device of the order data may further include: and the updating module is used for deducting the amount of the order form the available amount to obtain the updated available amount. Therefore, the buyer can be prevented from generating orders without limit, the funds bearing capacity of the buyer is exceeded, and transaction risks are avoided.

Because of variability in exchange rate, after the exchange rate is collected to obtain the target amount, the exchange rate may be different from the exchange rate when determining the available amount, and at this time, the exchange rate needs to be determined to avoid loss to the buyer, and specifically, the processing device for order data further includes: the third determining module is used for determining a second current exchange rate adopted when the order amount is subjected to exchange processing; the acquisition module is used for acquiring the difference between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and the adjusting module is used for adjusting the available quota according to the target sink difference. Wherein the available credit may be adjusted by: when the target sink difference is larger than 0, reducing the available limit according to the target sink difference; when the target sink difference is smaller than 0, increasing the available limit according to the target sink difference; and when the target sink difference is equal to 0, the available quota is kept unchanged.

It should be noted that each of the above-mentioned modules corresponds to the steps S202 to S208 in embodiment 1, and each of the modules is the same as the example and application scenario implemented by the corresponding step, but is not limited to the disclosure of the above-mentioned embodiment one. It should be noted that the above-described module may be operated as a part of the apparatus in the computer device 10 provided in embodiment 1.

Example 5

The embodiment of the application also provides another processing device of order data, which is used for implementing the processing method of order data in embodiment 2, as shown in fig. 8, and the device includes:

a third determining module 80, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received money transfer amount and the exchange rate, and the available amount is an amount of a funds type supported by a second account different from the funds type supported by the first account;

a fourth determining module 82, configured to determine an order amount corresponding to the to-be-issued order;

the sending module 84 is configured to send order information corresponding to an order to be sent to the first account when the amount of the order is less than the available amount;

and the pooling payment module 86 is configured to poole the order amount to obtain a target amount, and send the target amount to the second account.

Based on the above-mentioned scheme provided in the embodiment of the present application, with respect to the scheme provided in embodiment 4, the payment for the collection may be performed without waiting until the receipt is confirmed, and the payment for the collection may be performed after the order is generated. In this way, transaction time may be further saved.

The preferred implementation manner of this embodiment can be referred to the related descriptions in embodiments 1-2, and will not be repeated here.

Example 6

The embodiment of the application also provides another order data processing method, and fig. 9 is a flowchart of another order data processing method according to the embodiment of the application. As shown in fig. 9, the method includes:

step S902, obtaining remittance amount received by a third party paymate from the third party paymate, wherein the remittance amount is an amount corresponding to a first currency type;

step S904, determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to the second currency type;

step S906, the order is paid based on the available amount, and order information formed after the payment is completed is sent to a third party payment platform, wherein the third party payment platform is used for performing pooling processing based on the order information.

According to the embodiment of the application, waiting time is not required to be wasted in the processes of junction, remittance, recharging and the like, and purchasing is directly carried out based on the available amount, so that the time of off-line operation is saved, and errors caused by manual operation can be avoided.

In some embodiments of the present application, after the order information formed after the payment is completed is sent to the third party payment platform, the third party payment platform performs a junction reporting based on the order information, so as to obtain a target amount corresponding to the order amount; and sends the target amount to the seller account. Because the statement of the junction and the junction can be made based on the order information as the junction and junction certificate, the problem of mismatch between the junction and junction certificate and the actual transaction can be avoided.

In order to further ensure the security of the transaction process and avoid unnecessary flows, before the third party payment platform performs the junction reporting based on the order information, junction processing may be performed after the receipt is confirmed, specifically: detecting confirmation receiving information of a buyer account; and after the confirmation receiving information is detected, the order information is sent to a third party payment platform.

Wherein, in order to avoid transaction risks (e.g. the purchasing power of the buyer is insufficient to afford its corresponding order, in which case there is a certain risk if the buyer is allowed to place an order) while at the same time to avoid the problem of still allowing an order when the available amount is insufficient, the size of the available amount and the order amount of the order may be compared before payment is made; and when the available amount is larger than the amount of the order, paying the order by using the available amount.

In some alternative embodiments of the present application, the above-described available credit may be determined in the following manner: determining an estimated amount based on the first current exchange rate and the money transfer amount; deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

For a better understanding of the above procedure, the following is a detailed description of the procedure shown in fig. 10. As shown in fig. 10, the flow includes:

step S1002, a first paymate for providing an external junction service receives an external money transfer;

step S1004, the first payment platform synchronizes the remittance amount to the e-commerce platform;

in step S1006, the e-commerce platform determines an available amount based on the money transfer amount, and makes an order payment based on the available amount, where the available amount may be determined based on the money transfer amount and the current rate, e.g., the available amount is the product of the two.

Step S1008, after receiving the confirmation receiving information of the buyer, the electronic commerce platform sends the order information to the first payment platform;

step S1010, the first payment platform performs a junction reporting based on the order information to obtain a junction target amount;

step S1012, the first paymate sends the target amount to the seller account of the online bank;

In step S1014, the online banking seller account transfers the target amount to the second paymate seller account for the rendering process.

It should be noted that, the preferred implementation manner of this embodiment may be referred to the related descriptions in embodiments 1-2, and will not be repeated here.

Example 7

The embodiment of the application also provides a processing device of order data, which is used for implementing the method shown in the embodiment 6, as shown in fig. 11, and includes:

a receiving module 110, configured to obtain, from a third party paymate, a money transfer amount received by the third party paymate, where the money transfer amount is an amount corresponding to the first currency type;

a determining module 112, configured to determine an available amount corresponding to the money transfer amount based on the money transfer amount, where the available amount is an amount corresponding to the second currency type;

the payment module 114 is configured to pay the order based on the available amount, and send order information formed after the payment is completed to a third party payment platform, where the third party payment platform is configured to perform a pooling process based on the order information.

The functions realized by the modules can be purchased directly based on the available amount without wasting waiting time in the processes of junction, remittance, recharging and the like, so that the time of off-line operation is saved, and errors caused by manual operation can be avoided.

It should be noted that, the preferred implementation manner of this embodiment may be referred to the related descriptions in embodiments 1 to 6, and will not be repeated here.

Example 8

Embodiments of the present application may provide a computer device, which may be any one of a group of computer devices. Alternatively, in the present embodiment, the above-mentioned computer device may be replaced with a terminal device such as a mobile terminal.

Alternatively, in this embodiment, the above-mentioned computer device may be located in at least one network device among a plurality of network devices of the computer network.

In this embodiment, the computer device may execute the program code of the following steps in the order data processing method: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after receiving the confirmation information, performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Alternatively, the structure of the computer device provided in the embodiment of the present application may refer to the structure of the computer device shown in fig. 1, and it should be noted that the computer device in the embodiment may have more or less structures than the computer device shown in fig. 1. The computer device may include: one or more processors, memory, transmission devices, and the like.

The memory may be used to store software programs and modules, such as program instructions/modules corresponding to the security hole detection method and apparatus in the embodiments of the present application, and the processor executes the software programs and modules stored in the memory, thereby executing various functional applications and data processing, that is, implementing the method for processing order data described above. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory may further include memory remotely located with respect to the processor, which may be connected to terminal a through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The processor may call the information and the application program stored in the memory through the transmission device to perform the following steps: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after receiving the confirmation information, performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Optionally, the above processor may further execute program code for: receiving a money transfer amount; determining an estimated amount based on the first current exchange rate and the money transfer amount; and deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

Optionally, the above processor may further execute program code for: and determining the estimated limit according to the preset deduction proportion and the remittance amount.

Optionally, the above processor may further execute program code for: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree of the characteristic data on the exchange rate; inputting the characteristic data set into a learning model for analysis to obtain a pooling difference, wherein the learning model is obtained through training of multiple groups of data, and each group of data in the multiple groups of data comprises: the sample characteristic data and the corresponding pooling difference of the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the estimated limit according to the target deduction proportion and the remittance amount.

Optionally, the above processor may further execute program code for: selecting a target sink party from a plurality of sink parties according to a preset rule to carry out sink processing, wherein the preset rule comprises the following steps: and selecting the junction partner with the highest provided exchange rate.

Optionally, the above processor may further execute program code for: and deducting the amount of the order from the available amount to obtain the updated available amount.

Optionally, the above processor may further execute program code for: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; obtaining a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available limit according to the target sink difference.

By adopting the scheme provided by the embodiment of the application, the technical problems that the cross-border transaction time is relatively long, human errors are easy to occur and the like in the related technology are solved.

It can be appreciated by those skilled in the art that the computer device provided in this embodiment may also be a smart phone (such as an Android mobile phone, an iOS mobile phone, etc.), a tablet computer, a palm computer, a mobile internet device (Mobile Internet Devices, MID), a PAD, etc. Fig. 1 does not limit the structure of the electronic device. For example, the computer device may also include more or fewer components (e.g., network interfaces, display devices, etc.) than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be implemented by a program for instructing a terminal device to execute in association with hardware, the program may be stored in a computer readable storage medium, and the storage medium may include: flash disk, read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), magnetic or optical disk, and the like.

Example 9

Embodiments of the present application also provide a storage medium. Alternatively, in the present embodiment, the storage medium may be used to store program codes executed by the processing method of order data provided in the above embodiment 1.

Alternatively, in this embodiment, the storage medium may be located in any one of a group of computer devices in a computer network, or in any one of a group of mobile terminals.

Alternatively, in the present embodiment, the storage medium is configured to store program code for performing the steps of: determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account; determining an order amount corresponding to an order to be sent; when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account; receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received; and after receiving the confirmation information, performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account.

Alternatively, the storage medium may store program codes for performing the steps of: receiving a money transfer amount; determining an estimated amount based on the first current exchange rate and the money transfer amount; and deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as an available amount.

Alternatively, the storage medium may store program codes for performing the steps of: and determining the estimated limit according to the preset deduction proportion and the remittance amount.

Alternatively, the storage medium may store program codes for performing the steps of: acquiring characteristic data, wherein the characteristic data is used for representing the influence degree of the characteristic data on the exchange rate; inputting the characteristic data set into a learning model for analysis to obtain a pooling difference, wherein the learning model is obtained through training of multiple groups of data, and each group of data in the multiple groups of data comprises: the sample characteristic data and the corresponding pooling difference of the sample characteristic data; determining a target deduction proportion based on the sink difference obtained through the learning model; and determining the estimated limit according to the target deduction proportion and the remittance amount.

Alternatively, the storage medium may store program codes for performing the steps of: selecting a target sink party from a plurality of sink parties according to a preset rule to carry out sink processing, wherein the preset rule comprises the following steps: and selecting the junction partner with the highest provided exchange rate.

Alternatively, the storage medium may store program codes for performing the steps of: and deducting the amount of the order from the available amount to obtain the updated available amount.

Alternatively, the storage medium may store program codes for performing the steps of: determining a second current exchange rate adopted when the order amount is subjected to exchange processing; obtaining a difference value between the first current exchange rate and the second current exchange rate to obtain a target exchange difference; and adjusting the available limit according to the target sink difference.

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

In the foregoing embodiments of the present application, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, such as the division of the units, is merely a logical function division, and may be implemented in another manner, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions to cause a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application and are intended to be comprehended within the scope of the present application.

Claims

1. A method of processing order data, comprising:

determining an available amount corresponding to the first account, wherein the available amount is determined according to the received money transfer amount and the received money transfer rate, and the available amount is an amount of a fund type supported by a second account different from the fund type supported by the first account;

determining an order amount corresponding to an order to be sent;

when the amount of the order is smaller than the available amount, order information corresponding to the to-be-sent order is sent to the first account;

receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

after receiving the confirmation information, performing exchange processing on the order amount to obtain a target amount, and sending the target amount to the second account, wherein the second current exchange rate adopted when the exchange processing is performed on the order amount is determined after the exchange processing is performed on the order amount to obtain the target amount; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; and adjusting the available quota according to the target sink.

2. The method of claim 1, wherein determining the available credit corresponding to the first account comprises:

receiving the money transfer amount;

determining an estimated amount based on the first current exchange rate and the money transfer amount;

and deducting corresponding fees from the estimated credit according to a preset fee deduction rule to obtain a residual credit, and taking the residual credit as the available credit.

3. The method of claim 2, wherein deducting the corresponding fee from the estimated credit according to a predetermined deduction rule to obtain a remaining credit comprises: and determining the estimated limit according to the preset deduction proportion and the remittance amount.

4. The method of claim 2, wherein deducting the corresponding fee from the estimated credit according to a predetermined deduction rule to obtain a remaining credit comprises:

acquiring characteristic data, wherein the characteristic data is used for representing the influence degree of the characteristic data on the exchange rate;

inputting the characteristic data set into a learning model for analysis to obtain a pooling difference, wherein the learning model is obtained through training of multiple groups of data, and each group of data in the multiple groups of data comprises: the sample characteristic data and the corresponding pooling difference of the sample characteristic data;

Determining a target deduction proportion based on the sink difference obtained through the learning model;

and determining the estimated limit according to the target deduction proportion and the remittance amount.

5. The method of claim 1, wherein pooling the order amount comprises:

selecting a target sink party from a plurality of sink parties according to a preset rule to carry out sink processing, wherein the preset rule comprises: and selecting the junction partner with the highest provided exchange rate.

6. The method of claim 1, wherein after the pooling of the order amount, the method further comprises:

and deducting the order amount from the available amount to obtain an updated available amount.

7. The method of claim 1, wherein adjusting the available credit in accordance with the target sink comprises:

when the target sink difference is larger than 0, reducing the available quota according to the target sink difference;

when the target sink difference is smaller than 0, increasing the available quota according to the target sink difference;

and when the target sink difference is equal to 0, keeping the available quota unchanged.

8. The method of claim 1, wherein the method further comprises:

And displaying the order information, the designated control and the available quota in a preset human-computer interface, wherein the designated control generates the confirmation information when triggered.

9. The method of any of claims 1-7, wherein the first account is an offshore account and the second account is an onshore account; alternatively, the first account is an on-shore account and the second account is an off-shore account.

10. A method of processing order data, comprising:

determining an order amount corresponding to an order to be sent;

performing pooling processing on the order amount to obtain a target amount, and sending the target amount to the second account, wherein after the target amount is obtained by pooling processing on the order amount, determining the second current exchange rate adopted when pooling processing is performed on the order amount; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; and adjusting the available quota according to the target sink.

11. The method of claim 10, wherein determining the available credit corresponding to the first account comprises:

receiving the money transfer amount;

12. A method of processing order data, comprising:

obtaining remittance amount received by a third party payment platform from the third party payment platform, wherein the remittance amount is an amount corresponding to a first currency type;

determining an available amount corresponding to the remittance amount based on the remittance amount, wherein the available amount is an amount corresponding to a second currency type, wherein the order amount is subjected to remittance processing to obtain a target amount, and then determining the second current exchange rate adopted when the order amount is subjected to remittance processing; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; adjusting the available quota according to the target sink difference;

and paying the order based on the available amount, and sending order information formed after the payment is completed to the third party payment platform, wherein the third party payment platform is used for performing pooling processing based on the order information.

13. The method of claim 12, wherein after sending the order information formed after payment is completed to the third party paymate, the method further comprises:

the third party payment platform performs junction reporting based on the order information to obtain target amount corresponding to the order amount; and sends the target amount to the seller account.

14. The method of claim 12, wherein the third party paymate is further comprised of, prior to the junction reporting based on the order information:

detecting confirmation receiving information of a buyer account; and after the confirmation receiving information is detected, the order information is sent to the third party payment platform.

15. The method of claim 12, wherein paying for the order based on the available credit comprises:

comparing the available amount with the order amount of the order;

and when the available amount is larger than the amount of the order, paying the order by using the available amount.

16. The method of any of claims 12-15, wherein determining an available credit corresponding to the money transfer amount based on the money transfer amount comprises:

deducting corresponding fees from the estimated amount according to a preset fee deduction rule to obtain a residual amount, and taking the residual amount as the available amount.

17. A computer device for providing a human-machine interface, wherein the human-machine interface comprises:

the first control is used for displaying an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the received remittance rate, and the available amount is an amount of a fund type supported by a second account which is different from the fund type supported by the first account;

the second control is used for displaying the amount of the order corresponding to the to-be-issued order and the order information corresponding to the to-be-issued order;

the third control is used for sending order information corresponding to the to-be-sent order to the first account when the amount of the order is smaller than the available amount and the third control is triggered;

a fourth control, configured to receive a confirmation instruction of a user, where the confirmation instruction is used to trigger generation of confirmation information of the first account, and the confirmation information is used to indicate that a commodity corresponding to the order information has been received;

A fifth control, configured to display a target amount obtained after the confirmation information is received and the order amount is pooled, where the target amount is pooled, and determine the second current exchange rate adopted when the order amount is pooled; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; and adjusting the available quota according to the target sink.

18. An order data processing apparatus, comprising:

the first determining module is used for determining an available amount corresponding to the first account, wherein the available amount is determined according to the received remittance amount and the received remittance rate, and the available amount is an amount of a fund type supported by a second account which is different from the fund type supported by the first account;

the second determining module is used for determining the amount of the order corresponding to the to-be-sent order;

the sending module is used for sending order information corresponding to the to-be-sent order to the first account when the amount of the order is smaller than the available amount;

the receiving module is used for receiving confirmation information from the first account, wherein the confirmation information is used for indicating that the commodity corresponding to the order information is received;

The exchange payment module is used for carrying out exchange processing on the order amount after receiving the confirmation information to obtain a target amount and sending the target amount to the second account, wherein the exchange processing is carried out on the order amount to obtain the target amount, and the second current exchange rate adopted when the exchange processing is carried out on the order amount is determined; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; and adjusting the available quota according to the target sink.

19. An order data processing apparatus, comprising:

a third determining module, configured to determine an available amount corresponding to the first account, where the available amount is determined according to the received money transfer amount and the exchange rate, and the available amount is an amount of a funds type supported by a second account different from the funds type supported by the first account;

a fourth determining module, configured to determine an order amount corresponding to the to-be-sent order;

The exchange payment module is used for carrying out exchange processing on the order amount to obtain a target amount and sending the target amount to the second account, wherein the second current exchange rate adopted when the exchange processing is carried out on the order amount is determined after the exchange processing is carried out on the order amount to obtain the target amount; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; and adjusting the available quota according to the target sink.

20. An order data processing apparatus, comprising:

the receiving module is used for obtaining remittance amount received by the third party payment platform from the third party payment platform, wherein the remittance amount is an amount corresponding to the first currency type;

the determining module is configured to determine an available amount corresponding to the money transfer amount based on the money transfer amount, where the available amount is an amount corresponding to a second currency type, and determine the second current exchange rate adopted when the order amount is subjected to the money transfer process after the order amount is subjected to the money transfer process to obtain a target amount; obtaining a difference value between the second current exchange rate and a first current exchange rate for determining the available quota to obtain a target exchange difference; adjusting the available quota according to the target sink difference;

And the payment module is used for paying the order based on the available amount and sending order information formed after the payment is completed to the third party payment platform, wherein the third party payment platform is used for performing pooling processing based on the order information.

21. A computer device, comprising: memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the order data processing method of any of claims 1 to 9 when the computer program is executed.

22. A computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor realizes the steps in the order data processing method of any of claims 1 to 9.