CN113537989A - Intelligent digital cross-border payment AI distributed engine platform - Google Patents
Intelligent digital cross-border payment AI distributed engine platform Download PDFInfo
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- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The intelligent digital cross-border payment AI distributed engine platform comprises a unified payment engine, a member platform and an infrastructure service platform, wherein the unified payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module, the fund channel engine comprises a channel source module and a foreign currency source module, and the fund platform engine comprises a clearing and remitting module, a spare payment module and a prepayment module; the invention adopts the unified payment engine to solve the problems of long settlement period and high commission charge of the traditional cross-border payment mode.
Description
Technical Field
The invention relates to the technical field of intelligent digital cross-border payment, in particular to an intelligent digital cross-border payment AI distributed engine platform.
Background
The main problems of the traditional cross-border payment mode are long settlement period and high commission charge.
Disclosure of Invention
In order to solve the problems of cross-border payment, the invention aims to provide an intelligent digital cross-border payment AI distributed engine platform, and the problems of long settlement period and high commission charge of the traditional cross-border payment mode are solved by adopting a unified payment engine.
In order to achieve the purpose, the invention adopts the technical scheme that: the invention provides an intelligent digital cross-border payment AI distributed engine platform, which comprises a uniform payment engine, a member platform and an infrastructure service platform, wherein the uniform payment engine is respectively communicated with the member platform and the infrastructure service platform through a computer application program interface and a network to realize data exchange;
the unified payment engine is used for realizing the functions of multi-to-multi-exchange rate currency conversion and exchange fund flow, the member platform is used for realizing the functions of providing contract service, authentication service and charging service for members, and the infrastructure service platform is used for providing IT basic service;
the unified payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, wherein the exchange rate accounting engine is used for realizing a multi-currency accounting function, the fund channel engine is used for realizing a foreign currency source management function, and the fund platform is used for realizing a foreign currency settlement function;
the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module; the account checking center module is used for realizing an account checking business process; the exchange rate accounting module is used for realizing an exchange rate accounting business process; the cost accounting module is used for realizing a cost accounting business process; the error tolerance module is used for realizing the exchange rate difference management function;
the fund channel engine comprises a channel source module and a foreign currency source module, wherein the channel source module is used for realizing the tracing function of a fund channel, and the foreign currency source module is used for realizing the tracing function of foreign currencies;
the fund platform engine comprises a settlement and remittance module, a fund preparation module and a prepayment module; the clearing and remitting module is used for realizing the business processes of clearing, settlement and remitting related to cross-border payment; the spare payment module is used for realizing a spare payment service process; the prepayment module is used for realizing prepayment business process.
Further, the member platform comprises a contract service module, an authentication service module and a charging service module, wherein the contract service module is used for realizing whole-process electronic management of a contract and covering contract signing, approval, fulfillment, filing and risk management and control; the authentication service module is used for member identity authentication, authorization, centralized management of member information and centralized audit; the billing service module is used for realizing basic rate maintenance management functions, including all aspects of charge involved in cross-border payment.
Further, the infrastructure service platform comprises a cloud GIS resource manager, an infrastructure cloud platform, a hardware facility and a software facility.
Further, the basic cloud platform is VMWare/OpenStack/Huawei.
Further, the hardware facilities include a CPU, a memory, a network, and a storage device.
Further, the software facility comprises software and software tools supporting the cloud GIS resource manager, the base cloud platform, and the hardware facility.
Further, the exchange rate accounting engine, the fund channel engine and the fund platform engine are connected through a computer application program interface and transmit data.
The reconciliation center module, the exchange rate accounting module, the cost accounting module and the error tolerance module are connected and transmit data through computer application program interfaces, the channel source module and the foreign currency source module are connected and transmit data through computer application program interfaces, and the settlement remittance module, the prepared payment module and the prepayment module are connected and transmit data through computer application program interfaces.
Further, the contract service module, the authentication service module and the billing service module are connected through a computer application program interface and transmit data.
Further, the cloud GIS resource manager, the basic cloud platform, the hardware facilities and the software facilities are connected through a computer application program interface or a network and transmit data.
Compared with the prior art, the intelligent digital cross-border payment AI distributed engine platform provided by the invention comprises a unified payment engine, a member platform and an infrastructure service platform, wherein the unified payment engine of the unified payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module, the fund channel engine comprises a channel source module and a foreign currency source module, and the fund platform engine comprises a clearing and remitting module, a fund preparing module and a prepayment module; the invention adopts the unified payment engine to solve the problems of long settlement period and high commission charge of the traditional cross-border payment mode.
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In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a system structure diagram of an intelligent digital cross-border payment AI distributed engine platform according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The same or similar reference numerals in the drawings of the present embodiment correspond to the same or similar components; in the description of the present invention, it should be understood that if there is an orientation or positional relationship indicated by the terms "upper", "lower", "left", "right", etc. based on the orientation or positional relationship shown in the drawings, it is only for convenience of describing the present invention and simplifying the description, but it is not intended to indicate or imply that the referred device or element must have a specific orientation, be constructed in a specific orientation, and be operated, and therefore, the terms describing the positional relationship in the drawings are only used for illustrative purposes and are not to be construed as limiting the present patent, and the specific meaning of the terms may be understood by those skilled in the art according to specific circumstances.
The technical solution of the present invention is described in detail below with reference to the accompanying drawings and specific embodiments.
Referring to fig. 1, the intelligent digital cross-border payment AI distributed engine platform provided by the invention comprises a unified payment engine, a member platform and an infrastructure service platform, wherein the unified payment engine realizes data exchange with the member platform and the infrastructure service platform through a computer application program interface and a network respectively;
the unified payment engine is used for realizing the functions of multi-to-multi-exchange rate currency conversion and exchange fund flow, the member platform is used for realizing the functions of providing contract service, authentication service and charging service for members, and the infrastructure service platform is used for providing IT basic service;
the unified payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, wherein the exchange rate accounting engine is used for realizing a multi-currency accounting function, the fund channel engine is used for realizing a foreign currency source management function, and the fund platform is used for realizing a foreign currency settlement function;
the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module; the account checking center module is used for realizing an account checking business process; the exchange rate accounting module is used for realizing an exchange rate accounting business process; the cost accounting module is used for realizing a cost accounting business process; the error tolerance module is used for realizing the exchange rate difference management function;
the implementation of the exchange rate accounting module is described as follows: storing the exchange rate table generated by the average value of exchange rate accounting in a set time period into a database table through an RADIS caching technology, comparing the exchange rate table with the dynamic settlement exchange rate of the current day of settlement of the service order, and directly calling the exchange rate value stored in the database as the settlement exchange rate if the difference value is in a specified range; if the difference exceeds the specified range, taking the dynamic settlement exchange rate of the current day as the settlement exchange rate; therefore, the operation time of the platform for settlement of the exchange rate and the performance of the platform and the server are greatly improved.
The fund channel engine comprises a channel source module and a foreign currency source module, wherein the channel source module is used for realizing the tracing function of a fund channel, and the foreign currency source module is used for realizing the tracing function of foreign currencies;
the fund platform engine comprises a settlement and remittance module, a fund preparation module and a prepayment module; the clearing and remitting module is used for realizing the business processes of clearing, settlement and remitting related to cross-border payment; the spare payment module is used for realizing a spare payment service process; the prepayment module is used for realizing prepayment business process.
The intelligent digital cross-border payment AI distributed engine platform provided by the technical scheme comprises a uniform payment engine, a member platform and an infrastructure service platform, wherein the uniform payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module, the fund channel engine comprises a channel source module and a foreign currency source module, and the fund platform engine comprises a clearing and remitting module, a fund preparing module and a prepayment module; the invention adopts the unified payment engine to solve the problems of long settlement period and high commission charge of the traditional cross-border payment mode.
As an implementation manner of the invention, the member platform comprises a contract service module, an authentication service module and a charging service module, wherein the contract service module is used for realizing whole-process electronic management of a contract, covering contract signing, approval, fulfillment, filing and risk management and control; the authentication service module is used for member identity authentication, authorization, centralized management of member information and centralized audit; the billing service module is used for realizing basic rate maintenance management functions, including all aspects of charge involved in cross-border payment.
As one embodiment of the invention, the infrastructure service platform comprises a cloud GIS resource manager, an infrastructure cloud platform, a hardware facility and a software facility.
As an implementation mode of the invention, the basic cloud platform is VMWare/OpenStack/Huawei.
As an embodiment of the present invention, the hardware facilities include a CPU, a memory, a network, and a storage device.
As an embodiment of the present invention, the software facility includes software and software tools supporting the cloud GIS resource manager, the base cloud platform, and the hardware facility to operate.
The exchange rate accounting engine, the fund channel engine and the fund platform engine are connected through a computer application program interface and transmit data.
As an embodiment of the present invention, the reconciliation center module, the exchange rate accounting module, the cost accounting module and the error tolerance module are connected and transmit data through a computer application program interface, the channel source module and the foreign currency source module are connected and transmit data through a computer application program interface, and the settlement remittance module, the reserve payment module and the prepayment module are connected and transmit data through a computer application program interface.
As an embodiment of the present invention, the contract service module, the authentication service module and the billing service module are connected through a computer application program interface and transmit data.
As an embodiment of the present invention, the cloud GIS resource manager, the base cloud platform, the hardware facility, and the software facility are connected to each other through a computer application program interface or a network, and transmit data.
Preferably, all the modules related to the technical solution of the present invention are implemented by using a published, mature and open-source program architecture and program codes, the business processes related to the technical solution of the present invention are all common knowledge in the art, and a person skilled in the art can easily implement the functions described according to the technical solution by using the existing and published program architecture and program codes.
The embodiments of the present invention have been described in detail, but the invention is not limited to the embodiments, and those skilled in the art can make many equivalent modifications or substitutions without departing from the spirit of the present invention, and the equivalents or substitutions are included in the scope of protection defined by the claims of the present application.
Claims (10)
1. The intelligent digital cross-border payment AI distributed engine platform is characterized by comprising a unified payment engine, a member platform and an infrastructure service platform, wherein the unified payment engine is respectively communicated with the member platform and the infrastructure service platform through a computer application program interface and a network;
the unified payment engine is used for realizing the functions of multi-to-multi-exchange rate currency conversion and exchange fund flow, the member platform is used for realizing the functions of providing contract service, authentication service and charging service for members, and the infrastructure service platform is used for providing IT basic service;
the unified payment engine comprises an exchange rate accounting engine, a fund channel engine and a fund platform engine, wherein the exchange rate accounting engine is used for realizing a multi-currency accounting function, the fund channel engine is used for realizing a foreign currency source management function, and the fund platform is used for realizing a foreign currency settlement function;
the exchange rate accounting engine comprises an account checking center module, an exchange rate accounting module, a cost accounting module and an error tolerance module; the account checking center module is used for realizing an account checking business process; the exchange rate accounting module is used for realizing an exchange rate accounting business process; the cost accounting module is used for realizing a cost accounting business process; the error tolerance module is used for realizing the exchange rate difference management function;
the fund channel engine comprises a channel source module and a foreign currency source module, wherein the channel source module is used for realizing the tracing function of a fund channel, and the foreign currency source module is used for realizing the tracing function of foreign currencies;
the fund platform engine comprises a settlement and remittance module, a fund preparation module and a prepayment module; the clearing and remitting module is used for realizing the business processes of clearing, settlement and remitting related to cross-border payment; the spare payment module is used for realizing a spare payment service process; the prepayment module is used for realizing prepayment business process.
2. The AI distributed engine platform according to claim 1, wherein the member platform includes a contract service module, an authentication service module, and a billing service module, and the contract service module is used to implement full-process electronic management of contracts, covering contract signing, approval, fulfillment, archiving, and risk management and control; the authentication service module is used for member identity authentication, authorization, centralized management of member information and centralized audit; the billing service module is used for realizing basic rate maintenance management functions, including all aspects of charge involved in cross-border payment.
3. The intelligent digital cross-border payment AI distributed engine platform according to claim 1, wherein the infrastructure services platform includes a cloud GIS resource manager, an infrastructure cloud platform, a hardware facility, and a software facility.
4. The intelligent digital cross-border payment AI distributed engine platform according to claim 3, wherein the base cloud platform is VMWare/OpenStack/Huawei.
5. The intelligent digital cross-border payment AI distributed engine platform according to claim 3, wherein the hardware facilities include a CPU, memory, network, and storage devices.
6. The intelligent digital cross-border payment AI distributed engine platform according to claim 3, wherein the software facilities include software and software tools that support the operation of the cloud GIS resource manager, the infrastructure cloud platform, and the hardware facilities.
7. The intelligent digital cross-border payment AI distributed engine platform according to claim 1, wherein the exchange rate accounting engine, the fund channel engine, and the fund platform engine are connected and communicate data therebetween via a computer application program interface.
8. The AI distributed engine platform according to claim 1, wherein the reconciliation center module, the exchange rate accounting module, the cost accounting module and the error tolerance module are connected and communicate data through computer api, the channel sourcing module and the foreign currency sourcing module are connected and communicate data through computer api, and the settlement remittance module, the reimbursement module and the prepayment module are connected and communicate data through computer api.
9. The AI distributed engine platform according to claim 2, wherein the contract service module, the authentication service module, and the billing service module are connected and communicate data with each other through a computer application program interface.
10. The intelligent digital cross-border payment AI distributed engine platform according to claim 3, wherein the cloud GIS resource manager, the base cloud platform, the hardware facility, and the software facility are connected and communicate data therebetween via a computer application program interface or a network.
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| CN202110893112.4A CN113537989A (en) | 2021-08-04 | 2021-08-04 | Intelligent digital cross-border payment AI distributed engine platform |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114266572A (en) * | 2021-12-23 | 2022-04-01 | 百果园技术(新加坡)有限公司 | Collection method, collection device, collection equipment and collection equipment of exchange rate data |
| CN118278937A (en) * | 2024-06-03 | 2024-07-02 | 深圳市爱云信息科技有限公司 | Tolerance fault-tolerant method, system and medium based on blockchain intelligent financial platform |
| CN118278937B (en) * | 2024-06-03 | 2024-09-24 | 深圳市爱云信息科技有限公司 | Tolerance fault-tolerant method, system and medium based on blockchain intelligent financial platform |
-
2021
- 2021-08-04 CN CN202110893112.4A patent/CN113537989A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114266572A (en) * | 2021-12-23 | 2022-04-01 | 百果园技术(新加坡)有限公司 | Collection method, collection device, collection equipment and collection equipment of exchange rate data |
| CN118278937A (en) * | 2024-06-03 | 2024-07-02 | 深圳市爱云信息科技有限公司 | Tolerance fault-tolerant method, system and medium based on blockchain intelligent financial platform |
| CN118278937B (en) * | 2024-06-03 | 2024-09-24 | 深圳市爱云信息科技有限公司 | Tolerance fault-tolerant method, system and medium based on blockchain intelligent financial platform |
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Application publication date: 20211022 |