CN112633872A - Overseas aggregated two-dimensional code payment method, device, server and storage medium - Google Patents
Overseas aggregated two-dimensional code payment method, device, server and storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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Abstract
The application discloses an overseas aggregated two-dimensional code payment method, an overseas aggregated two-dimensional code payment device, a server and a storage medium, wherein the method comprises the following steps: acquiring channel information and payment information of a target user and an overseas collection account of an overseas collector, wherein the payment information is used for generating payment transaction that the target user transfers the amount of the target RMB to the target account managed by a bank; verifying the payment information through a target payment channel corresponding to the channel information; if the verification is successful, transferring the amount of the target foreign exchange currency to a foreign receiving account of a foreign receiving party through a foreign account managed by the bank, wherein the foreign account reserves the target foreign exchange currency. Because the overseas account managed by the bank and the overseas payee account are financial account numbers of the same country, cross-border policies and transfer rate influence are not received, the transfer of the account of the next overseas payee account can be quickly completed by the amount of the target foreign exchange currency under the target foreign exchange currency, and the transfer rate is greatly improved.
Description
Technical Field
The embodiment of the application relates to an overseas payment technology, in particular to an overseas aggregated two-dimensional code payment method, device, server and storage medium.
Background
With the popularization of two-dimensional code payment technology, two-dimensional code payment modes are gradually popularized abroad. However, current payment instruments are primarily directed to domestic two-dimensional code payment scenarios. In the payment process of the domestic two-dimensional code, a user uses application software APP of a certain payment channel to scan the aggregated payment two-dimensional code provided by a merchant. And the background identifies the payment channel of the payment device and sends the payment information of the payment device to a corresponding channel interface for payment verification.
However, in an overseas two-dimensional code payment scenario, due to limitations such as inbound and overseas account transfer policies, domestic accounts cannot pay overseas accounts quickly by scanning two-dimensional codes, and overseas aggregated two-dimensional code payment is poor in usability.
Disclosure of Invention
The application provides an overseas aggregated two-dimensional code payment method, an overseas aggregated two-dimensional code payment device, a server and a storage medium, so that the usability of the overseas aggregated two-dimensional code is improved.
In a first aspect, an embodiment of the present application provides an overseas aggregated two-dimensional code payment method, which is applied to a server, and includes:
acquiring channel information and payment information of a target user and an overseas cash receiving account of an overseas payee, wherein the payment information is used for generating payment transaction that the target user transfers the amount of the target RMB to the target account managed by a bank, and the amount of the target RMB is the amount of the RMB obtained by converting the amount of the target foreign currency according to the current day exchange rate; the amount of the target foreign currency is obtained by scanning the overseas aggregated two-dimensional code;
verifying the payment information through a target payment channel corresponding to the channel information;
if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through the target payment channel;
and transferring the amount of the target foreign exchange currency to a foreign receiving account of a foreign receiving party through a foreign account managed by the bank, wherein the foreign account reserves the target foreign exchange currency.
In a second aspect, an embodiment of the present application further provides an overseas aggregated two-dimensional code payment method, which is applied to a client used by a target user, and includes:
responding to a code scanning operation triggered by a target user in a target application, and acquiring an overseas aggregated two-dimensional code;
determining the amount of the target foreign exchange currency and an overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
determining channel information according to the target application;
responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency;
and sending the channel information, the payment information and the overseas payment account of the overseas payee to the server.
In a third aspect, an embodiment of the present application further provides an overseas aggregated two-dimensional code payment apparatus, which is applied to a client used by a target user, and includes:
responding to a code scanning operation triggered by a target user in a target application, and acquiring an overseas aggregated two-dimensional code;
determining the amount of the target foreign exchange currency and an overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
determining channel information according to the target application;
responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency;
and sending the channel information, the payment information and the overseas payment account of the overseas payee to the server.
In a fourth aspect, an embodiment of the present application further provides an overseas aggregated two-dimensional code payment apparatus, which is applied to a client used by a target user, and includes:
the two-dimensional code scanning module is used for responding to code scanning operation triggered by a target user in a target application and acquiring an overseas aggregated two-dimensional code;
the overseas account acquisition module is used for determining the amount of the target foreign currency and the overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
the channel determining module is used for determining channel information according to the target application;
the payment information generation module is used for responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency;
and the sending module is used for sending the channel information, the payment information and the overseas payment account of the overseas payee to the server.
In a fifth aspect, an embodiment of the present application further provides a server, where the server includes:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement an overseas aggregated two-dimensional code payment method as shown in the first aspect.
In a sixth aspect, an embodiment of the present application further provides an overseas aggregated two-dimensional code payment terminal, where the terminal includes:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement an overseas aggregated two-dimensional code payment method as shown in the second aspect.
In a seventh aspect, this application embodiment further provides a storage medium containing computer executable instructions, which when executed by a computer processor, are configured to perform the overseas aggregated two-dimensional code payment method as shown in this application embodiment.
The method for paying the overseas aggregated two-dimensional code comprises the steps of obtaining channel information and payment information of a target user and an overseas payment account of an overseas payee, wherein the payment information is used for generating payment transaction that the target user transfers the amount of target RMB money to the target account managed by a bank; verifying the payment information through a target payment channel corresponding to the channel information; if the verification is successful, transferring the target foreign currency amount to the foreign collection account of the foreign collection party through the foreign account managed by the bank. Compared with the problem of poor usability when the aggregated two-dimensional code payment is carried out overseas at present, the method and the device for receiving the account transfer of the target user can receive the account transfer of the target user by using the target account, and when the payment verification is successful, the account transfer is carried out to an overseas payee by using the overseas account managed by a bank. Because the overseas account managed by the bank and the overseas payee account are financial account numbers of the same country, cross-border policies and transfer rate influence are not received, the transfer of the account of the next overseas payee account can be quickly completed by the amount of the target foreign exchange currency under the target foreign exchange currency, and the transfer rate is greatly improved. The bank can realize that the target user uses the RMB in the domestic account number to carry out equivalent payment through the target account number, and further, the user does not need to prepare foreign currency in advance under a personal bank card or a personal account number, the operation of the target user is simplified, and the user experience is improved.
Drawings
Fig. 1 is a flowchart of an overseas aggregated two-dimensional code payment method in a first embodiment of the present application;
fig. 2 is a flowchart of an overseas aggregated two-dimensional code payment method in the second embodiment of the present application;
fig. 3 is a schematic structural diagram of an overseas aggregated two-dimensional code payment apparatus in a third embodiment of the present application;
fig. 4 is a schematic structural diagram of an overseas aggregated two-dimensional code payment apparatus in a fourth embodiment of the present application;
fig. 5 is a schematic structural diagram of a server in the fifth embodiment of the present application;
fig. 6 is a schematic structural diagram of an overseas aggregated two-dimensional code payment terminal in the fifth embodiment of the present application.
Detailed Description
The present application will be described in further detail with reference to the following drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the application and are not limiting of the application. It should be further noted that, for the convenience of description, only some of the structures related to the present application are shown in the drawings, not all of the structures.
The method and the device are suitable for the situation that the target user pays by scanning and aggregating the two-dimensional codes abroad. Assume that the target user is a national citizen who has no bank account abroad but has a bank account within the country and has a rmb stored amount. When a target user carries out payment by overseas scanning the aggregated two-dimensional code provided by the overseas merchant, transfer from an inbound bank account to an overseas receiving account of an overseas receiving party is needed, and at the moment, cross-border remittance is involved, and the problem of real-time performance is involved. However, the existing domestic aggregated two-dimensional code payment technology only relates to the transfer among domestic bank account numbers, so that the problems of cross-border remittance and cross-border remittance instantaneity are not considered, and the problems cannot be solved, so that the domestic aggregated two-dimensional code payment scheme has the problem of easiness in use in the cross-border two-dimensional code payment scene.
The embodiment of the application provides an overseas aggregated two-dimensional code payment method, wherein a bank establishes an overseas account overseas; when the user scans the aggregated two-dimensional code overseas, a transaction of transferring the account from the account in the user to the overseas collection account of the overseas collection party is generated. The application divides the transaction into two phases, one: verification that the account within the user transfers to the target account of the bank verifies that the user entered the correct payment password and that the account within the user has sufficient reserve of RMB for payment. The other stage is as follows: when the verification is successful, the transfer is made to the overseas collection account through the overseas account managed by the bank. Because the transfer between the overseas account managed by the bank and the overseas collection account belongs to the transfer in the same country, cross-border transfer is not involved, the transfer can be rapidly completed, and the instantaneity and the usability of overseas aggregated two-dimensional code payment are improved. The present invention will be described in detail with reference to examples.
Example one
Fig. 1 is a flowchart of an overseas aggregated two-dimensional code payment method according to an embodiment of the present application, where the present embodiment is applicable to a case of responding to overseas aggregated two-dimensional code payment, and the method may be executed by a server, and specifically includes the following steps:
step 110, channel information, payment information of the target user and an overseas payment account of the overseas payee are obtained.
The payment information is used for generating payment transaction that a target user transfers a target RMB amount to a target account managed by a bank, and the target RMB amount is the RMB amount obtained by converting the target foreign exchange currency amount according to the current day exchange rate; the target foreign currency amount is obtained by scanning the overseas aggregated two-dimensional code.
After a target user scans an overseas aggregated two-dimensional code by using an application with two-dimensional code identification in a terminal, the terminal acquires channel information, payment information and an overseas collection account of an overseas collection party of the target user, and sends the channel information, the payment information and the overseas collection account of the overseas collection party of the target user to a server.
Illustratively, the payment information includes a transfer amount and a payment password. The transfer amount may be the target rmb amount. The terminal can provide a conversion result of the target foreign exchange currency amount and the target RMB amount for the target user according to the current day exchange rate, so that the user can sense the target RMB amount corresponding to the target foreign exchange currency amount. Since the target user has the rmb reserved in the bank account of the home country, a payment transaction is generated according to the amount of the rmb, the payment password, and the target account managed by the bank, and the verification of the payment password is performed in step 120. The payment transaction is used to transfer the RMB of the target RMB amount from a bank account of the target user's home to a target account managed by the bank.
120, verifying the payment information through a target payment channel corresponding to the channel information; if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through the target payment channel.
The channel information is used to indicate a route targeted for payment, such as payment through a bank card, balance payment through financial software (e.g., a payment treasure, a WeChat wallet, a hundredth wallet, etc.), and the like. A target payment channel, which may be a server used by the channel represented by the channel information, may be determined according to the channel information. The target payment channel verifies the payment information, including verifying whether the payment password is correct and whether a sufficient balance is available in the user account for payment. And when the verification is successful, the target account which represents the bank management can receive the amount of the target RMB which is imported by the target user through the target payment channel.
In one implementation, the target account managed by the bank is an intra-account. The target account managed by the bank can be an account number built in by the bank, and when the account of the target user in the house transfers money to the account managed by the bank, the transfer can be quickly transferred based on the account transfer rule. At this point, if the domestic transfer is successful in step 120, the domestic account feeds back an authentication success message to the server so that the server performs step 130.
In another implementation, the target account managed by the bank is an overseas account. The foreign account may also be used to reserve the targeted foreign currency. At the moment, only the payment password and the balance of the user account need to be verified to be enough to pay, and the RMB does not need to wait to be remitted into an overseas account. And if the payment password is verified to be correct and the balance of the user account is enough to pay, determining that the verification is successful.
Step 130, transferring the amount of the target foreign exchange currency to a foreign receiving account of a foreign receiving party through the foreign account managed by the bank, wherein the foreign account reserves the target foreign exchange currency.
When the verification is successful, the server generates a payment transaction in which the bank-managed outbound account transfers the target outbound currency amount to the outbound payment account of the outbound recipient.
Further, acquiring payment information of the target user includes:
acquiring configured RMB transaction amount and target foreign currency transaction amount according to the target foreign currency amount, RMB balance and target foreign currency balance by a target user; the RMB transaction amount is converted into an equivalent foreign currency transaction amount according to the current day exchange rate, and the sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount.
The account of the target user can be stored with target foreign exchange currency besides RMB. The payment of the amount of the target foreign currency can be completed by selecting a combined payment mode of the RMB and the target foreign currency.
Alternatively, the target foreign currency balance may be preferentially used. And when the balance of the foreign currency is zero, performing combined payment by using the balance of the RMB.
Further, whether the current day exchange rate is suitable for payment by the target foreign exchange currency amount can be judged according to the recent exchange rate change condition. For example, according to the recent exchange rate change situation, the current day exchange rate is determined to be a higher value of the recent exchange rate, and the target foreign exchange currency is more cost-effective to use.
Optionally, the payment combination mode may be configured by the target user, and a payment transaction is generated according to the rmb transaction amount configured by the user and the target overseas currency transaction amount.
The RMB trade amount is converted according to the current day exchange rate to obtain the equivalent overseas currency trade amount. The sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount.
Correspondingly, in step 130, the verifying the payment information through the target payment channel corresponding to the channel information includes:
and verifying the payment transaction of the RMB transaction amount and the target overseas currency transaction amount through a target payment channel corresponding to the channel information.
And respectively verifying whether the RMB reserve and the target foreign currency reserve of the target user meet the payment transaction through the target payment channel.
The method for paying the overseas aggregated two-dimensional code comprises the steps of obtaining channel information and payment information of a target user and an overseas payment account of an overseas payee, wherein the payment information is used for generating payment transaction that the target user transfers the amount of target RMB money to the target account managed by a bank; verifying the payment information through a target payment channel corresponding to the channel information; if the verification is successful, transferring the target foreign currency amount to the foreign collection account of the foreign collection party through the foreign account managed by the bank. Compared with the problem of poor usability when the aggregated two-dimensional code payment is carried out overseas at present, the method and the device for receiving the account transfer of the target user can receive the account transfer of the target user by using the target account, and when the payment verification is successful, the account transfer is carried out to an overseas payee by using the overseas account managed by a bank. Because the overseas account managed by the bank and the overseas payee account are financial account numbers of the same country, cross-border policies and transfer rate influence are not received, the transfer of the account of the next overseas payee account can be quickly completed by the amount of the target foreign exchange currency under the target foreign exchange currency, and the transfer rate is greatly improved. The bank can realize that the target user uses the RMB in the domestic account number to carry out equivalent payment through the target account number, and further, the user does not need to prepare foreign currency in advance under a personal bank card or a personal account number, the operation of the target user is simplified, and the user experience is improved.
Example two
Fig. 2 is a flowchart of an overseas aggregated two-dimensional code payment method according to a second embodiment of the present application, where the present embodiment is applicable to a case of responding to overseas aggregated two-dimensional code payment, and the method may be executed by a client used by a target user, and specifically includes the following steps:
step 210, responding to a code scanning operation triggered by a target user in a target application, and acquiring an overseas aggregated two-dimensional code.
The two-dimension code aggregation is a payment interface for integrating multiple internet payment channels, and the two-dimension code aggregation can support application of different channels for payment. The target user starts an application program (APP) with a two-dimensional code scanning function at an overseas operation terminal. And scanning the aggregated two-dimensional code through a scanning function provided by the application program.
And step 220, determining the money amount of the target foreign exchange currency and the foreign exchange payment account of the foreign exchange payment party according to the aggregated two-dimensional code.
The target foreign exchange currency amount proposed by the overseas collection account can be obtained by scanning the aggregation two-dimensional code. For example, the supermarket stores settle the price of the commodity selected by the target user through the commodity settlement device to obtain the money amount of the target foreign exchange currency. And the target user can obtain the currency amount of the target foreign exchange by scanning the aggregated two-dimensional code.
Step 230, determining channel information according to the target application.
Generally, an application used by a target user for scanning the aggregated two-dimensional code corresponds to fixed channel information. For example, when the two-dimensional code is aggregated by using WeChat scanning, a channel selection list of WeChat wallet payment and bank card payment is displayed. And scanning the aggregated two-dimension code by using the payment treasures, wherein the channel information represents a channel selection list of balance treasures payment, flower payment and bank card payment. The user selects a target channel in the payment list, and the channel information is used for representing the target channel.
Further, the method also comprises the following steps:
acquiring the balance of the RMB of a target user and the balance of the foreign currency of the target user;
displaying the balance of the RMB and the balance of the foreign currency type;
and according to the real-time exchange rate, carrying out conversion between the RMB and the target overseas currency, and outputting a conversion result.
After the payment channel is determined, the balance of the distributable RMB currency and the balance of the target overseas currency under the name of the target user can be acquired through the target channel. The terminal displays the balance of RMB and the balance of foreign currency. Meanwhile, the conversion between the RMB currency and the target overseas currency can be carried out according to the current day exchange rate. The user can obtain the corresponding amount of the RMB according to the amount of the target foreign currency, or know the amount of the target foreign currency with the equal price of the balance of the RMB, so that the user can conveniently decide which currency or combination of currencies to pay.
Step 240, responding to the payment password input by the target user; and generating payment information according to the payment password and the amount of the target foreign currency.
Further, the method also comprises the following steps:
responding to payment amount configuration operation carried out by a target user based on a conversion result, and acquiring a configured RMB transaction amount and a configured target foreign currency transaction amount according to a target foreign currency amount, a RMB balance and a target foreign currency balance by the target user;
and generating payment information according to the RMB transaction amount, the target foreign currency transaction amount and the payment password.
The system can automatically recommend a multi-currency payment scheme for the user. The user can also configure a multi-currency payment combination scheme by himself. Generating payment information according to the payment combination scheme.
And step 250, sending the channel information, the payment information and the overseas payment account of the overseas payment receiver to the server.
The overseas aggregated two-dimensional code payment method provided by the embodiment of the application responds to a code scanning operation triggered by a target user in a target application to acquire the overseas aggregated two-dimensional code; determining the amount of the target foreign exchange currency and an overseas collection account of the overseas collection party according to the aggregated two-dimensional code; determining channel information according to the target application; responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency; and sending the channel information, the payment information and the overseas payment account of the overseas payee to the server. The target user can scan the overseas aggregated two-dimensional code by using the terminal, the terminal transfers accounts to the target accounts managed by the bank by using the domestic account of the target user through communication with the server, and the server transfers the accounts to the overseas collection accounts of overseas collection parties through the overseas account managed by the bank after the payment information of the account is verified successfully. The two transfer processes do not belong to cross-border real-time transfer, so that quick transfer can be realized, long-time no response after a user inputs a payment password is avoided, and the usability of overseas aggregated two-dimensional code payment is improved.
EXAMPLE III
Fig. 3 is a schematic structural diagram of an overseas aggregated two-dimensional code payment apparatus provided in the third embodiment of the present application, where the present embodiment is applicable to a situation of responding to overseas aggregated two-dimensional code payment, and the apparatus may be located in a server, and specifically includes an obtaining module 310, a verification module 320, and an overseas transfer module 330.
An obtaining module 310, configured to obtain channel information of a target user, payment information, and an overseas cash register account of an overseas cash register, where the payment information is used to generate a payment transaction in which the target user transfers a target rmb amount to a target account managed by a bank, and the target rmb amount is a rmb amount obtained by converting a target foreign currency amount according to an exchange rate of the day; the amount of the target foreign currency is obtained by scanning the overseas aggregated two-dimensional code;
the verification module 320 is configured to verify the payment information through a target payment channel corresponding to the channel information; if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through the target payment channel;
and the overseas transfer module 330 is used for transferring the amount of the target foreign exchange currency to an overseas collection account of an overseas collector through an overseas account managed by a bank, and the overseas account stores the target foreign exchange currency.
On the basis of the foregoing embodiment, the obtaining module 310 is configured to:
acquiring configured RMB transaction amount and target foreign currency transaction amount according to the target foreign currency amount, RMB balance and target foreign currency balance by a target user; the RMB transaction amount is converted into an equivalent foreign currency transaction amount according to the current day exchange rate, and the sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount;
determining payment information according to the RMB transaction amount and the transaction amount of the target overseas currency;
accordingly, the verification module 320 is configured to:
and verifying the payment transaction of the RMB transaction amount and the target overseas currency transaction amount through a target payment channel corresponding to the channel information.
On the basis of the above embodiment, the target account managed by the bank is an internal account or an external account.
The overseas aggregated two-dimensional code payment device provided by the embodiment of the application comprises an acquisition module 310, a payment module and a payment module, wherein the acquisition module is used for acquiring channel information and payment information of a target user and an overseas payment account of an overseas payee, and the payment information is used for generating payment transaction that the target user transfers the amount of target RMB to the target account managed by a bank; the verification module 320 verifies the payment information through a target payment channel corresponding to the channel information; if the verification is successful, the overseas transfer module 330 transfers the target foreign exchange currency amount to the overseas money receiving account of the overseas money receiving party through the overseas account managed by the bank. Compared with the problem of poor usability when the aggregated two-dimensional code payment is carried out overseas at present, the method and the device for receiving the account transfer of the target user can receive the account transfer of the target user by using the target account, and when the payment verification is successful, the account transfer is carried out to an overseas payee by using the overseas account managed by a bank. Because the overseas account managed by the bank and the overseas payee account are financial account numbers of the same country, cross-border policies and transfer rate influence are not received, the transfer of the account of the next overseas payee account can be quickly completed by the amount of the target foreign exchange currency under the target foreign exchange currency, and the transfer rate is greatly improved. The bank can realize that the target user uses the RMB in the domestic account number to carry out equivalent payment through the target account number, and further, the user does not need to prepare foreign currency in advance under a personal bank card or a personal account number, the operation of the target user is simplified, and the user experience is improved.
The overseas aggregated two-dimensional code payment device provided by the embodiment of the application can execute the overseas aggregated two-dimensional code payment method provided by any embodiment of the application, and has corresponding functional modules and beneficial effects of the execution method.
Example four
Fig. 4 is a schematic structural diagram of an overseas aggregated two-dimensional code payment apparatus according to a fourth embodiment of the present application, where the present embodiment is applicable to a situation of responding to overseas aggregated two-dimensional code payment, and the apparatus may be located at a client used by a target user, and specifically includes a two-dimensional code scanning module 410, an overseas account obtaining module 420, a channel determining module 430, a payment information generating module 440, and a sending module 450.
The two-dimensional code scanning module 410 is configured to respond to a code scanning operation triggered by a target user in a target application, and acquire an overseas aggregated two-dimensional code;
the outbound account acquisition module 420 is used for determining the amount of the target foreign currency and the outbound payment account of the outbound receiver according to the aggregated two-dimensional code;
a channel determining module 430 for determining channel information according to the target application;
a payment information generation module 440 for responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency;
the sending module 450 is configured to send the channel information, the payment information, and the outbound payment account of the outbound payee to the server.
On the basis of the embodiment, the system further comprises an exchange rate conversion module which is used for converting the exchange rate into the required value
Acquiring the balance of the RMB of a target user and the balance of the foreign currency of the target user;
displaying the balance of the RMB and the balance of the foreign currency type;
and according to the real-time exchange rate, carrying out conversion between the RMB and the target overseas currency, and outputting a conversion result.
On the basis of the above embodiment, the system further comprises a transaction amount configuration module, wherein the transaction amount configuration module is used for:
responding to payment amount configuration operation carried out by a target user based on a conversion result, and acquiring a configured RMB transaction amount and a configured target foreign currency transaction amount according to a target foreign currency amount, a RMB balance and a target foreign currency balance by the target user;
and generating payment information according to the RMB transaction amount, the target foreign currency transaction amount and the payment password.
In the overseas aggregated two-dimensional code payment apparatus provided by the embodiment of the application, the two-dimensional code scanning module 410 acquires the overseas aggregated two-dimensional code in response to a code scanning operation triggered by a target user in a target application; the overseas account acquisition module 420 determines the amount of the target foreign currency and the overseas collection account of the overseas collector according to the aggregated two-dimensional code; the channel determining module 430 determines channel information according to the target application; the payment information generation module 440 responds to the payment password input by the target user; generating payment information according to the payment password and the amount of the target foreign currency; the transmission module 450 transmits the channel information, the payment information, and the outbound payment account of the outbound payee to the server. The target user can scan the overseas aggregated two-dimensional code by using the terminal, the terminal transfers accounts to the target accounts managed by the bank by using the domestic account of the target user through communication with the server, and the server transfers the accounts to the overseas collection accounts of overseas collection parties through the overseas account managed by the bank after the payment information of the account is verified successfully. The two transfer processes do not belong to cross-border real-time transfer, so that quick transfer can be realized, long-time no response after a user inputs a payment password is avoided, and the usability of overseas aggregated two-dimensional code payment is improved.
The overseas aggregated two-dimensional code payment device provided by the embodiment of the application can execute the overseas aggregated two-dimensional code payment method provided by any embodiment of the application, and has corresponding functional modules and beneficial effects of the execution method.
EXAMPLE five
Fig. 5 is a schematic structural diagram of a server according to a fifth embodiment of the present application, and as shown in fig. 5, the server includes a processor 50, a memory 51, and a communication module 52; the number of the processors 50 in the server may be one or more, and one processor 50 is taken as an example in fig. 5; the processor 50, the memory 51 and the communication module 52 in the server may be connected by a bus or other means, and the bus connection is taken as an example in fig. 5.
The memory 51, as a computer-readable storage medium, may be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the overseas aggregated two-dimensional code payment method in the embodiment of the present application (for example, the acquisition module 310, the verification module 320, and the overseas transfer module 330 in the overseas aggregated two-dimensional code payment apparatus). The processor 50 executes various functional applications of the server and data processing by running software programs, instructions, and modules stored in the memory 51, that is, implements the above-described overseas aggregated two-dimensional code payment method.
The memory 51 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 51 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 51 may further include memory located remotely from the processor 50, which may be connected to a server over 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 communication module 52 is connected to a network through a wired network or a wireless network, and the network provides communication between the terminal, the server used for different channel authentication, and the server.
EXAMPLE six
Fig. 6 is a schematic structural diagram of an overseas aggregated two-dimensional code payment terminal provided in a sixth embodiment of the present application, and as shown in fig. 6, the overseas aggregated two-dimensional code payment terminal includes a processor 60, a memory 61, an input device 62, and an output device 63; the number of the processors 60 in the overseas aggregated two-dimensional code payment terminal can be one or more, and one processor 60 is taken as an example in fig. 6; the processor 60, the memory 61, the input device 62 and the output device 63 in the overseas aggregated two-dimensional code payment terminal may be connected by a bus or other means, and the connection by the bus is exemplified in fig. 6.
The memory 61, as a computer-readable storage medium, may be used to store software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the overseas aggregated two-dimensional code payment method in the embodiment of the present application (for example, the two-dimensional code scanning module 410, the overseas account acquisition module 420, the channel determination module 430, the payment information generation module 440, and the transmission module 450 in the overseas aggregated two-dimensional code payment apparatus). The processor 60 executes various functional applications and data processing of the overseas aggregated two-dimensional code payment terminal by executing software programs, instructions and modules stored in the memory 61, that is, implements the above-described overseas aggregated two-dimensional code payment method.
The memory 61 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 61 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 61 may further include memory remotely located from the processor 60, which may be connected to an overseas aggregated two-dimensional code payment terminal over 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 input device 62 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the oversea two-dimensional code payment terminal. The output device 63 may include a display device such as a display screen.
EXAMPLE seven
A storage medium containing computer-executable instructions for performing an overseas aggregated two-dimensional code payment method when executed by a computer processor is also provided in an embodiment of the present application.
When the method is applied to the server, the method comprises the following steps:
acquiring channel information and payment information of a target user and an overseas cash receiving account of an overseas payee, wherein the payment information is used for generating payment transaction that the target user transfers the amount of the target RMB to the target account managed by a bank, and the amount of the target RMB is the amount of the RMB obtained by converting the amount of the target foreign currency according to the current day exchange rate; the amount of the target foreign currency is obtained by scanning the overseas aggregated two-dimensional code;
verifying the payment information through a target payment channel corresponding to the channel information;
if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through the target payment channel;
and transferring the amount of the target foreign exchange currency to a foreign receiving account of a foreign receiving party through a foreign account managed by the bank, wherein the foreign account reserves the target foreign exchange currency.
On the basis of the above embodiment, acquiring the payment information of the target user includes:
acquiring configured RMB transaction amount and target foreign currency transaction amount according to the target foreign currency amount, RMB balance and target foreign currency balance by a target user; the RMB transaction amount is converted into an equivalent foreign currency transaction amount according to the current day exchange rate, and the sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount;
determining payment information according to the RMB transaction amount and the transaction amount of the target overseas currency;
correspondingly, the verification of the payment information through the target payment channel corresponding to the channel information comprises the following steps:
and verifying the payment transaction of the RMB transaction amount and the target overseas currency transaction amount through a target payment channel corresponding to the channel information.
On the basis of the above embodiment, the target account managed by the bank is an internal account or an external account.
When the method is applied to the client used by the target user, the method comprises the following steps:
responding to a code scanning operation triggered by a target user in a target application, and acquiring an overseas aggregated two-dimensional code;
determining the amount of the target foreign exchange currency and an overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
determining channel information according to the target application;
responding to a payment password input by a target user; generating payment information according to the payment password and the amount of the target foreign currency;
and sending the channel information, the payment information and the overseas payment account of the overseas payee to the server.
On the basis of the above embodiment, before responding to the payment password input by the target user, the method further comprises:
acquiring the balance of the RMB of a target user and the balance of the foreign currency of the target user;
displaying the balance of the RMB and the balance of the foreign currency type;
and according to the real-time exchange rate, carrying out conversion between the RMB and the target overseas currency, and outputting a conversion result.
On the basis of the above embodiment, after outputting the conversion result, the method further includes:
responding to payment amount configuration operation carried out by a target user based on a conversion result, and acquiring a configured RMB transaction amount and a configured target foreign currency transaction amount according to a target foreign currency amount, a RMB balance and a target foreign currency balance by the target user;
and generating payment information according to the RMB transaction amount, the target foreign currency transaction amount and the payment password.
Of course, the storage medium provided in the embodiments of the present application and containing computer-executable instructions is not limited to the above method operations, and may also perform related operations in the overseas aggregated two-dimensional code payment method provided in any embodiment of the present application.
From the above description of the embodiments, it is obvious for those skilled in the art that the present application can be implemented by software and necessary general hardware, and certainly can be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods of the embodiments of the present application.
It should be noted that, in the above embodiment of the overseas aggregated two-dimensional code payment apparatus, each unit and each module included in the above embodiment are only divided according to functional logic, but are not limited to the above division, as long as corresponding functions can be implemented; in addition, specific names of the functional units are only used for distinguishing one functional unit from another, and are not used for limiting the protection scope of the application.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present application and the technical principles employed. It will be understood by those skilled in the art that the present application is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the application. Therefore, although the present application has been described in more detail with reference to the above embodiments, the present application is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present application, and the scope of the present application is determined by the scope of the appended claims.
Claims (15)
1. An overseas aggregation two-dimensional code payment method is applied to a server and comprises the following steps:
acquiring channel information, payment information and an overseas collection account of an overseas collector of a target user, wherein the payment information is used for generating payment transaction that the target user transfers the amount of the target RMB to the target account managed by a bank, and the amount of the target RMB is the amount of the RMB obtained by converting the amount of the target foreign currency according to the current day exchange rate; the amount of the target foreign currency is obtained by scanning the overseas aggregated two-dimensional code;
verifying the payment information through a target payment channel corresponding to the channel information;
if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through a target payment channel;
and transferring the amount of the target foreign exchange currency to a foreign collection account of the foreign collection party through a foreign account managed by a bank, wherein the foreign account reserves the target foreign exchange currency.
2. The method of claim 1, wherein the obtaining payment information of the target user comprises:
acquiring configured RMB transaction amount and target foreign currency transaction amount according to the target foreign currency amount, RMB balance and target foreign currency balance by the target user; the RMB transaction amount is converted into an equivalent foreign currency transaction amount according to the current day exchange rate, and the sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount;
determining payment information according to the RMB transaction amount and the transaction amount of the target overseas currency;
correspondingly, the verifying the payment information through the target payment channel corresponding to the channel information includes:
and verifying the payment transaction of the RMB transaction amount and the target overseas currency transaction amount through a target payment channel corresponding to the channel information.
3. The method of claim 1, wherein the target account managed by the bank is a domestic account or the overseas account.
4. An overseas aggregation two-dimensional code payment method is applied to a client used by a target user, and comprises the following steps:
responding to a code scanning operation triggered by the target user in the target application, and acquiring an overseas aggregated two-dimensional code;
determining the amount of the target foreign exchange currency and an overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
determining channel information according to the target application;
responding to a payment password input by the target user; generating payment information according to the payment password and the amount of the target foreign currency;
and sending the channel information, the payment information and the overseas payment account of the overseas payee to a server.
5. The method of claim 4, further comprising, prior to responding to the payment password entered by the target user:
acquiring the balance of the RMB of the target user and the balance of the target overseas currency;
displaying the balance of the RMB and the balance of the foreign currency type;
and according to the real-time exchange rate, carrying out conversion between the RMB and the target overseas currency, and outputting a conversion result.
6. The method of claim 5, further comprising, after outputting the scaling result:
responding to payment amount configuration operation carried out by the target user based on the conversion result, and acquiring configured RMB transaction amount and target foreign currency transaction amount of the target user according to the target foreign currency amount, the RMB balance and the target foreign currency balance;
and generating payment information according to the RMB transaction amount, the target foreign currency transaction amount and the payment password.
7. An overseas aggregation two-dimensional code payment device is applied to a server and comprises the following components:
the system comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring channel information and payment information of a target user and an overseas cash register account of an overseas cash register, the payment information is used for generating payment transaction that the target user transfers a target RMB amount to a target account managed by a bank, and the target RMB amount is the RMB amount obtained by converting the target foreign currency amount according to the current day exchange rate; the amount of the target foreign currency is obtained by scanning the overseas aggregated two-dimensional code;
the verification module is used for verifying the payment information through a target payment channel corresponding to the channel information; if the verification is successful, the target account managed by the bank receives the amount of the target RMB which is imported by the target user through a target payment channel;
and the overseas transfer module is used for transferring the amount of the target foreign exchange currency to an overseas collection account of the overseas collection party through an overseas account managed by a bank, wherein the overseas account reserves the target foreign exchange currency.
8. The apparatus of claim 7, wherein the obtaining module is configured to:
acquiring configured RMB transaction amount and target foreign currency transaction amount according to the target foreign currency amount, RMB balance and target foreign currency balance by the target user; the RMB transaction amount is converted into an equivalent foreign currency transaction amount according to the current day exchange rate, and the sum of the equivalent foreign currency transaction amount and the target foreign currency transaction amount is the target foreign currency amount;
determining payment information according to the RMB transaction amount and the transaction amount of the target overseas currency;
accordingly, the verification module is configured to:
and verifying the payment transaction of the RMB transaction amount and the target overseas currency transaction amount through a target payment channel corresponding to the channel information.
9. The apparatus of claim 7, wherein the target account managed by the bank is a domestic account or the overseas account.
10. An overseas aggregation two-dimensional code payment device is applied to a client used by a target user, and comprises the following components:
the two-dimension code scanning module is used for responding to code scanning operation triggered by the target user in the target application and acquiring an overseas aggregated two-dimension code;
the overseas account acquisition module is used for determining the amount of the target foreign currency and the overseas collection account of the overseas collection party according to the aggregated two-dimensional code;
the channel determining module is used for determining channel information according to the target application;
a payment information generation module for responding to a payment password input by the target user; generating payment information according to the payment password and the amount of the target foreign currency;
and the sending module is used for sending the channel information, the payment information and the overseas payment account of the overseas payee to a server.
11. The apparatus of claim 10, further comprising an exchange rate conversion module configured to convert the exchange rate to an exchange rate
Acquiring the balance of the RMB of the target user and the balance of the target overseas currency;
displaying the balance of the RMB and the balance of the foreign currency type;
and according to the real-time exchange rate, carrying out conversion between the RMB and the target overseas currency, and outputting a conversion result.
12. The apparatus of claim 11, further comprising a transaction amount configuration module to:
responding to payment amount configuration operation carried out by the target user based on the conversion result, and acquiring configured RMB transaction amount and target foreign currency transaction amount of the target user according to the target foreign currency amount, the RMB balance and the target foreign currency balance;
and generating payment information according to the RMB transaction amount, the target foreign currency transaction amount and the payment password.
13. A server, characterized in that the server comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the overseas aggregated two-dimensional code payment method of any of claims 1-3.
14. An overseas aggregated two-dimensional code payment terminal, the terminal comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the overseas aggregated two-dimensional code payment method of any of claims 4-6.
15. A storage medium containing computer executable instructions for performing the overseas aggregated two-dimensional code payment method of any one of claims 1-6 when executed by a computer processor.
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| CN202011308679.2A CN112633872A (en) | 2020-11-20 | 2020-11-20 | Overseas aggregated two-dimensional code payment method, device, server and storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115545692A (en) * | 2022-10-17 | 2022-12-30 | 广州汇登信息科技有限公司 | Cross-border e-commerce platform multi-currency settlement method and system |
| TWI818533B (en) * | 2022-05-03 | 2023-10-11 | 財金資訊股份有限公司 | Cross-border scan code payment method and system |
-
2020
- 2020-11-20 CN CN202011308679.2A patent/CN112633872A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI818533B (en) * | 2022-05-03 | 2023-10-11 | 財金資訊股份有限公司 | Cross-border scan code payment method and system |
| CN115545692A (en) * | 2022-10-17 | 2022-12-30 | 广州汇登信息科技有限公司 | Cross-border e-commerce platform multi-currency settlement method and system |
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