CN112766957B - Cross-border digital payment method and internal bank server - Google Patents
Cross-border digital payment method and internal bank server Download PDFInfo
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/14—Travel agencies
Abstract
The invention relates to the financial field, in particular to a cross-border digital payment method and an internal bank server, and the invention relates to the financial field by receiving a digital payment order request sent by an internal agency client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; the digital payment information is sent to an overseas acquirer server, one entity account can be mapped into a plurality of digital accounts, the problems that the existing cross-border remittance and common international business cards can not meet the actual requirements of diversification and individuation of large enterprises such as travel, education, electronic commerce and the like at present are solved, the customer experience is improved, more enterprise customers are obtained for banks in the industries such as online travel, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of intermediate business income is forcefully promoted.
Description
Technical Field
The invention relates to the field of payment processing, in particular to a cross-border digital payment method and an internal bank server.
Background
With the rapid development of internet and mobile communication technologies, people continuously increase the demand for facilitating payment, and internet payment is becoming the mainstream. At present, the functions and prices of the original cross-border remittance of enterprises such as travel, education, electronic commerce and the like cannot meet the actual needs of diversification and individuation, taking the travel industry as an example, the whole market annual transaction of domestic online travel enterprises such as travel, beef in transit and the like at present is about 700 hundred million dollars, wherein the cross-border transaction is about 40 hundred million dollars, most of the cross-border transactions are wire transfer transactions, the account arrival time is long, the cost is high, the efficiency is lower, and a certain fraud risk exists. The present international business cards of double coin or multiple coin types issued by various large banks can not fully meet the requirements of cross-border payment of the tourist enterprises, for example, a travel agency A has an overseas travel group to pay air tickets and hotel fees, the travel group selects an airline company and a hotel to generate order information and pay through a website A, the user A receives the order and the fees and sends a payment request to an internal banking server, and the internal banking server finishes the payment of the order to the overseas airline company and the hotel through purchasing, receiving and transferring accounts. In this process, travel agency A has several appeal:
1) Automatic purchase and completion of order payments
2) Avoiding payment in transfer mode and occupying no foreign exchange limit of enterprises
3) Reducing payment risk in cross-border purchasing process
4) Providing clear upstream and downstream transaction reconciliation statement
If the number of transactions of travel agency A in one day exceeds 10 ten thousand, the transaction funds are huge, and only one or a small number of common international business cards are used for payment, the optical checking process can not meet the requirements, and especially the abnormal situation of orders occurs. There is therefore a need for a new cross-border payment solution that can assist travel agencies in quickly completing cross-border payments according to a "single sign" rule and that meets all of the above-mentioned requirements.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a cross-border digital payment method and an internal bank server, which can at least partially solve the problems in the prior art.
In one aspect, a cross-border digital payment method is performed by an in-home banking server, comprising:
receiving a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-house client;
carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
In a preferred embodiment, further comprising:
and sending application requests of a plurality of digital cards corresponding to the entity cards to the card organization server so that the card organization server generates the plurality of digital cards.
In a preferred embodiment, the payment operation for each sub-digital payment request using a plurality of digital cards includes:
checking whether the available balance of the account, the foreign currency amount and the domestic currency amount of the corresponding entity card are higher than the amount to be paid in the digital payment order request;
and if the digital payment information is higher than the digital payment information, using the digital card to pay for the digital payment request, and generating the digital payment information.
In a preferred embodiment, further comprising:
and receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
In another aspect, an in-house banking server for cross-border digital payment, comprising:
the receiving module is used for receiving a digital payment order request sent by the client side of the agent in the environment; the digital payment order requests include sub-digital payment requests for each in-house client;
the payment module is used for carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the sending module is used for sending the digital payment information to an overseas acquirer server so as to update balance information of an entity card of the agent client in the overseas; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
In a preferred embodiment, further comprising:
and the digital card application module is used for sending application requests of a plurality of digital cards corresponding to the entity card to the card organization server so as to enable the card organization server to generate the plurality of digital cards.
In a preferred embodiment, the payment module comprises:
the checking unit is used for checking whether the available balance of the account, the foreign currency amount and the domestic currency amount of the corresponding entity card are higher than the amount to be paid in the digital payment order request;
and the payment unit is higher than the digital payment unit, and uses the digital card to pay for the digital payment request to generate the digital payment information.
In a preferred embodiment, further comprising:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
In yet another aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the cross-border digital payment method of any of the embodiments described above when the program is executed.
In yet another aspect, the present invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the cross-border digital payment method of any of the embodiments described above.
According to the cross-border digital payment method and the internal bank server provided by the embodiment of the invention, the digital payment information is obtained by utilizing a plurality of digital cards to carry out payment operation on each sub-digital payment request; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; the digital cards correspond to the entity cards of the inner agency client, one entity account can be mapped into a plurality of digital accounts, the problems that the existing cross-border remittance and common international business cards can not meet the actual requirements of diversification and individuation of large enterprises such as travel, education, electronic commerce and the like at present are solved, the customer experience is improved, more enterprise customers are acquired for banks in the industries such as online travel, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of intermediate business income is forcefully promoted.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
fig. 1 is a flow chart of a cross-border digital payment method according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of a cross-border digital payment system architecture according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of an in-home banking server for implementing cross-border digital payment according to still another embodiment of the present invention.
Fig. 4 is a schematic physical structure of an electronic device according to another embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention. It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be arbitrarily combined with each other.
The invention provides a system and a method for cross-border digital payment. The system comprises an inner part and an outer part, wherein the inner part comprises an inner agency client (an enterprise such as a travel agency A) and an inner bank server; the overseas portion includes an overseas acquirer, an international financial services authentication organization, and an overseas service provider. Wherein the international financial services authentication organization has a business digital conversion platform, i.e. one entity account can be mapped into a plurality of digital accounts. The user of the system, i.e. the internal agency client (enterprise), firstly applies for transacting business entity accounts from the internal agency server, converts the entity accounts into a plurality of digital accounts through the international financial service authentication organization, and then completes the processes of ordering, paying and the like to the overseas service provider through each digital account, and meanwhile, the internal agency server also provides services of cross-border funds conversion service, daily account checking and the like for the internal agency client (enterprise). The invention provides a safe and efficient payment scheme for enterprises on the premise of meeting the bank supervision requirements, can optimize enterprise accounting management and improves the fund use efficiency.
The invention relates to the field of finance, in particular to cross-border digital payment.
Fig. 1 is a flow chart of a cross-border digital payment method according to an embodiment of the present invention, as shown in fig. 1, where the cross-border digital payment method according to the embodiment of the present invention includes:
s101, receiving a digital payment order request sent by an agent client inside; the digital payment order requests include sub-digital payment requests for each in-house client;
specifically, in the present invention, the in-home banking server is a banking institution issuing an entity card, the in-home agent client is a terminal of a payment client for payment through the in-home banking server, and taking a travel agency a as an in-home agent client, the travel agency a needs to perform an agent reservation service on an air ticket accommodation of each tourist, etc., wherein a plurality of payment orders of each tourist are involved, and the tourist terminal is an in-home client.
In the practical scenario shown above, step S101 is specifically that the in-home banking institution receives a digital payment order request (including a plurality of payment sub-requests, such as purchasing 10 air tickets, etc.) from a travel agency a. It will be appreciated that in an embodiment of a travel agency, the digital payment request of the present invention includes a round-trip ticket payment request for each guest, where the payment information of all guests, e.g., 10 guests purchased 10 round-trip tickets.
S102, carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the digital card is a virtual card corresponding to the entity card actually registered by the internal bank server, and when in actual use, the issuer converts one entity card into one or a group of digital credit cards composed of digital card numbers, security codes, validity periods and other information according to a certain one-to-many generation rule. The card issuing side stores and manages the corresponding relation between the entity card and the digital card.
S103, the digital payment information is sent to an overseas acquirer server so as to update balance information of an entity card of the agent client in the overseas; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
Specifically, the acquirer server is an overseas part, converts the sufficient reserved renminbi funds into foreign currency funds, and performs order payment.
According to the cross-border digital payment method provided by the embodiment of the invention, the digital payment information is obtained by using a plurality of digital cards to carry out payment operation on each sub-digital payment request; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; the digital cards correspond to the entity cards of the inner agency client, one entity account can be mapped into a plurality of digital accounts, the problems that the existing cross-border remittance and common international business cards can not meet the actual requirements of diversification and individuation of large enterprises such as travel, education, electronic commerce and the like at present are solved, the customer experience is improved, more enterprise customers are acquired for banks in the industries such as online travel, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of intermediate business income is forcefully promoted.
The following examples are presented:
step S501: the travel agency A applies for a common business entity credit card with foreign currency and Renminbi currency to an internal banking server, and the internal banking server provides the travel agency A with an entity business card with the home currency and the foreign currency, and the entity business card has the functions of cash taking, consumption and the like.
Step S502: the travel agency A applies for a digital card from a business digital card platform of the VISA international card organization;
step S503: the VISA International card organization generates a digital card and returns the digital card to the travel agency A;
step S504: the travel agency A submits an order to an overseas hotel, pays through an in-border bank server by using a digital card, and the overseas hotel sends digital card payment information to an acquirer;
step S505: the acquirer sends the digital card payment information to a VISA international card organization;
step S506: after the VISA international card organization checks according to the preset conditions of the virtual card, the entity card information and the authorization request corresponding to the virtual card are sent to an internal bank server;
step S507: the internal bank server authorizes the authorization request sent by the VISA international card organization, and the authorization process comprises checking the validity of the card information of the entity card, checking the card, the account state and the like, and simultaneously comprises the step of entering step S508 to check whether the amount of the current order exceeds the available balance of the account.
Step S508: the in-house banking server checks whether the amount of the present order exceeds the account availability balance. Whether the foreign account balance is sufficient is judged first, and if so, the foreign account balance is used for order payment. If the foreign currency amount is insufficient, judging whether the foreign currency amount is enough, and if the foreign currency amount is enough, overdrawing the foreign currency amount; if the balance is insufficient, judging whether the balance of the RMB account is enough, judging whether a travel agency A has a real-time purchase and exchange switch for the entity card, and if the balance is enough and the switch is on, completing order payment by using the RMB about real-time purchase and exchange. If there is insufficient or the switch is off, the order payment fails and the transaction exits.
Step S509: the internal bank server completes the authorization of the entity card;
step S510: the VISA international card organization sends the entity card and the virtual card together with clearing information to an internal bank server;
step S511: the internal bank server completes the clearing process;
step S512: the internal banking server sends the information such as the physical card number and the virtual card number, the real-time purchase and exchange rate, the purchase and exchange payment rate and the like of each order to the travel agency A for checking.
More specifically, as shown in fig. 2, an embodiment of the system for cross-border digital payment is shown, in which the inner part includes an inner banking server and a travel agency a; the overseas portion includes the acquirer, VISA international card organization, overseas hotels/airports, etc.
The in-house banking server provides the user of the present system, namely the travel agency a, with a VISA business entity card having a rmb account and a foreign currency account, which is indistinguishable from a general business card issued by a bank (step S501).
After receiving the order of the customer booking the hotel/ticket outside the country, the travel agency A applies for the business digital card under the VISA business entity card through the business digital card platform of the VISA International card organization (step S502);
the VISA international card organization generates and returns a business digital card through its business digital card platform according to the demands of the travel agency (step S503).
The travel agency a places an order to the overseas hotel/airport or the like through the business digital card (step S504).
The overseas hotel/airport transmits the business digital card transaction information to the acquirer (step S504), which in turn transmits the business digital card acquirer information to the VISA international card organization for authorization and clearing (step S505).
After the VISA international card organization replaces the business digital card number with the corresponding business entity card number, the authorization and clearing file is sent to the internal bank server (step S506, step S510). The actual physical card number is never transmitted to the vendor throughout the transaction.
The said internal bank server authorizes and clears the transaction according to the current VISA entity card authorization and clearing rules (steps S507, S508, S509) and clears the process (step S511), in the authorization process, if the entity card foreign currency fund is insufficient, the said internal bank server can provide the cross-border fund conversion service (step S508), namely, the sufficient rennet fund is converted into foreign currency fund, and the order payment is carried out.
The in-house banking server generates a reconciliation document for the transaction information generated by the business entity card and the business virtual card every day, and provides the reconciliation document to the travel agency a (step S512).
Based on the above embodiments, the cross-border digital payment method provided by the embodiment of the present invention further includes:
s104, sending application requests of a plurality of digital cards corresponding to the entity cards to the card organization server so that the card organization server generates the plurality of digital cards.
Based on the above embodiments, the cross-border digital payment method provided by the embodiment of the present invention further includes:
s105, receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
Further, on the basis of the above embodiments, the payment operation performed on each sub-digital payment request by using a plurality of digital cards includes:
checking whether the available balance of the account, the foreign currency amount and the domestic currency amount of the corresponding entity card are higher than the amount to be paid in the digital payment order request;
and if the digital payment information is higher than the digital payment information, using the digital card to pay for the digital payment request, and generating the digital payment information.
It can be appreciated that the present invention has the following effects:
1. for a banking system, the customer experience can be improved, more enterprise customers can be obtained in the industries of online travel, aviation and the like, and the market share of the bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of intermediate business income is forcefully promoted.
2. The internal agency client (enterprise) buys and breaks sales of overseas service providers (such as overseas airlines and hotels) through centralized purchasing and integrating of upstream resources, so that wholesale channel prices are obtained, all the resources are packaged and integrated and packaged into guest-guiding products (such as travel products), large-scale retail is carried out, the enterprise can define the using mode, using position and using time of the digital card by itself by means of a single mark (digital card number) rule of digital payment, flexible, simple, safe and efficient global payment is realized, a self ERP system can be butted with a digital card platform, a digital card is automatically generated, multi-batch payment and automatic account checking are realized, and the financial service of the enterprise is effectively managed.
3. For an agent client in the environment, namely an enterprise such as a travel agency, the accounts payable turnover number of the enterprise can be improved through cross-border digital payment, the fund cost of the enterprise is reduced, and the cash flow of the enterprise is increased. Especially, by means of the automatic collection purchasing and balance regulating functions of the internal banking server, the domestic RMB storage can be used in real time under the condition that the foreign currency storage of an enterprise is insufficient, and the problems of advanced collection exchanging and foreign currency backlog of the enterprise are effectively solved.
Fig. 3 is a schematic structural diagram of an internal bank server for implementing cross-border digital payment according to another embodiment of the present invention, where, as shown in fig. 3, the internal bank server for implementing cross-border digital payment according to the embodiment of the present invention includes:
the receiving module 1 receives a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-house client;
the payment module 2 performs payment operation on each sub-digital payment request by using a plurality of digital cards to obtain digital payment information;
a transmitting module 3 for transmitting the digital payment information to an overseas acquirer server to update balance information of an entity card of the agent client in the overseas; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
On the basis of the above embodiments, further comprising:
and the application module is used for sending application requests of a plurality of digital cards corresponding to the entity card to the card organization server so as to enable the card organization server to generate the plurality of digital cards.
On the basis of the above embodiments, further, the payment module includes:
the checking unit is used for checking whether the available balance of the account, the foreign currency amount and the domestic currency amount of the corresponding entity card are higher than the amount to be paid in the digital payment order request;
and the payment unit is higher than the digital payment unit, and uses the digital card to pay for the digital payment request to generate the digital payment information.
On the basis of the above embodiments, further comprising:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
The inter-border digital in-border bank server provided by the embodiment of the invention obtains digital payment information by using a plurality of digital cards to carry out payment operation on each sub-digital payment request; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; the digital cards correspond to the entity cards of the inner agency client, one entity account can be mapped into a plurality of digital accounts, the problems that the existing cross-border remittance and common international business cards can not meet the actual requirements of diversification and individuation of large enterprises such as travel, education, electronic commerce and the like at present are solved, the customer experience is improved, more enterprise customers are acquired for banks in the industries such as online travel, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of intermediate business income is forcefully promoted.
Fig. 4 is a schematic physical structure of an electronic device according to another embodiment of the present invention, as shown in fig. 4, the electronic device may include: a processor 1201, a communication interface (Communications Interface), a memory 1203 and a communication bus 1204, wherein the processor 1201, the communication interface 1202 and the memory 1203 perform communication with each other through the communication bus 1204. The processor 1201 may call logic instructions in the memory 1203 to perform the following method: receiving a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-house client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
Further, the logic instructions in the memory 1203 described above may be implemented in the form of software functional units and may be stored in a computer readable storage medium when sold or used as a stand alone product. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, are capable of performing the methods provided by the above-described method embodiments, for example comprising: receiving a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-house client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
The present embodiment provides a computer-readable storage medium storing a computer program that causes the computer to execute the methods provided by the above-described method embodiments, for example, including: receiving a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-house client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description of the present specification, reference to the terms "one embodiment," "one particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A cross-border digital payment method, performed by an in-home banking server, comprising:
receiving a digital payment order request sent by an agent client; the digital payment order requests include sub-digital payment requests for each in-home agent client;
carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
transmitting the digital payment information to an off-shore acquirer server to update balance information of an entity card of the on-shore proxy client; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
2. The cross-border digital payment method of claim 1, further comprising:
and sending application requests of a plurality of digital cards corresponding to the entity cards to a card organization server so that the card organization server generates the plurality of digital cards.
3. The cross-border digital payment method according to claim 1, wherein the performing a payment operation on each sub-digital payment request using a plurality of digital cards comprises:
sequentially checking whether the available balance of the account, the foreign currency amount and the domestic currency amount of the corresponding entity card are higher than the amount to be paid in the digital payment order request;
and if the available balance of the account, the foreign currency amount or the home currency amount is higher than the amount to be paid, using the digital card to pay aiming at the sub-digital payment request, and generating the digital payment information.
4. A cross-border digital payment method as claimed in claim 3, further comprising:
and receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
5. An in-home banking server for cross-border digital payment, comprising:
the receiving module is used for receiving a digital payment order request sent by the client side of the agent in the environment; the digital payment order requests include sub-digital payment requests for each in-home agent client;
the payment module is used for carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the sending module is used for sending the digital payment information to an overseas acquirer server so as to update balance information of an entity card of the agent client in the overseas; wherein the plurality of digital cards correspond to physical cards of the client of the agent.
6. An in-home banking server as claimed in claim 5, further comprising:
and the application module is used for sending application requests of a plurality of digital cards corresponding to the entity card to the card organization server so as to enable the card organization server to generate the plurality of digital cards.
7. An in-home banking server as claimed in claim 5, wherein the payment module comprises:
the checking unit sequentially checks whether the available balance of the account, the foreign currency amount or the home currency amount of the corresponding entity card is higher than the amount to be paid in the digital payment order request;
and the payment unit is used for paying by using the digital card according to the sub-digital payment request and generating the digital payment information if the available balance of the account, the foreign currency amount or the home currency amount is higher than the amount to be paid.
8. An in-home banking server as claimed in claim 7, further comprising:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method of any of claims 1 to 4 when the computer program is executed.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 4.
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| CN202110177901.8A CN112766957B (en) | 2021-02-09 | 2021-02-09 | Cross-border digital payment method and internal bank server |
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