CN114493855B - Cross-border e-commerce financial risk control method and system based on account double-lock technology - Google Patents
Cross-border e-commerce financial risk control method and system based on account double-lock technology Download PDFInfo
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Abstract
The invention relates to a cross-border e-commerce financial risk control method and a system based on an account double-lock technology, wherein the method comprises the following steps: the service platform receives a loan approval result sent by a fund party, receives collection account information of a platform account sent by the E-commerce platform, and the locked platform account can be unlocked only by the service platform; the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information; if the verification is successful, the service platform sends a confirmation instruction to the e-commerce platform to confirm the locking of the platform account, and sends information to inform a fund party that the platform account is locked; the method can effectively realize the closed loop of fund control of the financial institution to the cross-border e-commerce, combines the reasonable credit line of the cross-border e-commerce operation data, can realize effective risk control, and has wider application prospect in the cross-border e-commerce financial field.
Description
Technical Field
The invention relates to the technical field of cross-border e-commerce financial risk control, in particular to a cross-border e-commerce financial risk control method and system based on an account double-lock technology.
Background
The cross-border e-commerce has become a highlight and an important driving force for the growth of foreign trade in China, the demand of cross-border e-commerce enterprises on funds is rapidly increased, and domestic commercial banks are actively developing financial services for the cross-border e-commerce enterprises;
the cross-border e-commerce enterprises in China mainly face global sales commodities through cross-border e-commerce platforms such as amazon, eBay, wish, shoppe and the like, and have the characteristics of high transaction frequency, many and complex supply chain links, long capital settlement period and the like, so that high requirements are put forward on the wind control technology of financial institutions;
most of the commodity flow, logistics, information flow and fund flow of the export cross-border e-commerce enterprises in the operation process are overseas, so that the domestic financial institutions often lack risk control measures for financing the cross-border e-commerce enterprises. Although cross-border e-commerce enterprises need a large amount of funds to turnover in the operation process, loans meeting the requirements cannot be obtained from financial institutions; the financing requirements of the cross-border e-commerce enterprises are all based on the real trade background, so that self-compensation trade financing can be realized if the financial institution can master the control of the logistics and fund flow;
there is a need for a method and system for controlling financial risk of cross-border e-commerce to solve the problem of difficult loan.
Disclosure of Invention
The invention aims to solve the technical problem of providing a cross-border e-commerce financial risk control method and system based on account double-lock technology aiming at the defects in the prior art.
The technical scheme adopted by the invention for solving the technical problem is as follows:
a cross-border e-commerce financial risk control method based on an account double-lock technology is constructed, and comprises the following steps:
the service platform receives a loan approval result sent by a capital party, synchronizes the loan approval result to the e-commerce platform, and informs a seller of the loan approval result; the loan approval result is obtained by a loan application of the seller approved by the funding party, and the loan application is initiated by the funding party after the seller authorizes the service platform to obtain account information from the payment company; if the loan approval is passed, executing the next step, otherwise, terminating;
the method comprises the steps that a service platform receives collection account information of a platform account sent by an e-commerce platform, the platform account is a platform account which is applied for locking by a seller on the e-commerce platform, and the locked platform account can only be unlocked by the service platform;
the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information;
if the verification fails, the service platform sends an unlocking instruction to the e-commerce platform to unlock the locked platform account, and sends information to inform a seller to change the platform account and apply for locking the platform account on the e-commerce platform again;
if the verification is successful, the service platform sends a confirmation instruction to the e-commerce platform to confirm the locking of the platform account, and sends information to inform a fund party that the platform account is locked; and after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller to the payment company, and receives locking information of the seller after the payment company receives the information of successful loan placement and locks the account of the payment company.
The invention relates to a cross-border e-commerce financial risk control method based on an account double-lock technology, wherein a seller adopts the following method in authorizing a service platform to acquire account information from a payment company:
the seller selects a payment company and sends a selection result to the service platform, and the service platform sends an authorization request to the corresponding payment company according to the received selection result;
after receiving the authorization request, the payment company returns an authorization page link of the payment company to the service platform;
the service platform sends the payment company authorization page link to the seller or displays the payment company authorization page link to the seller;
the seller confirms the authorization online according to the authorization page link of the payment company, and the payment company authorizes the service platform and provides account information of the seller after the seller identity verification is successful;
the service platform modifies the authorization state to be authorized and prompts the seller that the authorization is successful.
The invention relates to a cross-border e-commerce financial risk control method based on an account double-lock technology, which further comprises the following steps:
and (3) unlocking the account:
after the seller finishes the loan, the fund sends loan settlement information to the service platform;
the service platform sends the loan settlement information to the payment company, and the payment company releases the locking of the seller on the account of the payment company and feeds back the information to the service platform;
and the service platform sends the loan settlement information to the e-commerce platform, and the e-commerce platform releases the locking of the account of the seller platform and informs the seller.
The invention relates to a cross-border e-commerce financial risk control method based on account double-lock technology, wherein the method further comprises the following steps:
forced button marking process:
the fund party sends overdue information and a deduction request to the service platform when the seller loan is overdue;
and the service platform requires the payment company to carry out forced deduction on the account of the seller in an API instruction mode according to the deduction request, deducts the fund to the designated account of the seller, and if the fund of the seller in the account of the payment company is not enough on the day of forced deduction, continues forced deduction on the next day until all the residual loans are cleared.
A cross-border e-commerce financial risk control system based on account double-lock technology comprises a service platform;
the service platform is used for receiving a loan approval result sent by a capital party, synchronizing the loan approval result to the e-commerce platform and informing a seller of the loan approval result; the loan approval result is obtained by a loan application of the seller approved by the fund party, and the loan application is initiated by the fund party after the seller authorizes the service platform to obtain account information from the payment company; if the loan approval is passed, executing the next step, otherwise, terminating;
the service platform receives collection account information of a platform account sent by the e-commerce platform, wherein the platform account is a platform account which is applied for locking by a seller on the e-commerce platform, and the locked platform account can only be unlocked by the service platform;
the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information;
if the verification fails, the service platform sends an unlocking instruction to the e-commerce platform to unlock the locked platform account, and sends information to inform a seller to change the platform account and apply for platform account locking again on the e-commerce platform;
if the verification is successful, the service platform sends a confirmation instruction to the E-commerce platform to confirm locking of the platform account and sends information to inform a fund party that the platform account is locked; and after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller to the payment company, and receives locking information of the seller after the payment company receives the information of successful loan placement and locks the account of the payment company.
The invention relates to a cross-border e-commerce financial risk control system based on an account double-lock technology, wherein a seller adopts a method for authorizing a service platform to acquire account information from a payment company:
the seller selects a payment company and sends a selection result to the service platform, and the service platform sends an authorization request to the corresponding payment company according to the received selection result;
after receiving the authorization request, the payment company returns an authorization page link of the payment company to the service platform;
the service platform sends the payment company authorization page link to the seller or displays the payment company authorization page link to the seller;
the seller confirms the authorization on line according to the authorization page link of the payment company, and the payment company authorizes the service platform and provides account information of the seller after the identity verification of the seller is successful;
the service platform modifies the authorization state to be authorized and prompts the seller that the authorization is successful.
The cross-border e-commerce financial risk control system based on the account double-lock technology is characterized in that the service platform is further used for: the method comprises the steps that loan settlement information sent by a fund party after the seller settles a loan is received, the service platform sends the loan settlement information to a payment company and receives feedback information of the payment company for unlocking the seller from an account of the payment company, and the service platform sends the loan settlement information to the e-commerce platform.
The cross-border e-commerce financial risk control system based on the account double-lock technology is characterized in that the service platform is further used for: and receiving overdue information and a deduction request sent by a fund party when the loan of the seller is overdue, requiring the payment company to carry out forced deduction on the account of the seller by the service platform in an API instruction mode according to the deduction request, deducting the fund to a specified account of the fund, and if the fund of the seller in the account of the payment company on the forced deduction day is not enough to clear the overdue loan, continuing the forced deduction on the second day until all the rest loans are cleared.
The invention has the beneficial effects that: the application provides a cross-border e-commerce financial risk control method based on an account double-lock technology, which can effectively realize the closed loop of financial institutions for the fund control of cross-border e-commerce, combines reasonable credit granting amount of cross-border e-commerce operation data, can realize effective risk control, greatly reduces the cross-border e-commerce loan difficulty, and has a wide application prospect in the cross-border e-commerce financial field.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the present invention will be further described with reference to the accompanying drawings and embodiments, wherein the drawings in the following description are only part of the embodiments of the present invention, and other drawings can be obtained by those skilled in the art without inventive efforts based on the drawings:
FIG. 1 is a flow chart of a cross-border e-commerce financial risk control method based on account double-locking technology according to a preferred embodiment of the invention;
FIG. 2 is a schematic view of an account double lock based on the cross-border e-commerce financial risk control method of the account double lock technology according to a preferred embodiment of the present invention;
FIG. 3 is a flow chart of the seller authorizing the service platform in the method for controlling the cross-border e-commerce financial risk based on the account double-lock technology according to the preferred embodiment of the invention;
FIG. 4 is a schematic diagram of the seller authorizing the service platform according to the cross-border e-commerce financial risk control method based on the account double-locking technology in the preferred embodiment of the invention;
FIG. 5 is a flowchart illustrating a cross-border e-commerce financial risk control method based on account double-locking technique according to a preferred embodiment of the present invention;
FIG. 6 is a schematic diagram illustrating a cross-border e-commerce financial risk control method for unlocking an account according to the present invention;
FIG. 7 is a flow chart of the cross-border e-commerce financial risk control method of the present invention based on the account double-lock technology;
FIG. 8 is a schematic block diagram of a cross-border e-commerce financial risk control system based on account double-lock technology according to a preferred embodiment of the invention;
FIG. 9 is a block diagram of a prior art sales checkout route;
FIG. 10 is a schematic block diagram of an account double lock for a cross-border e-commerce financial risk control system based on an account double lock technique according to a preferred embodiment of the present invention;
FIG. 11 is a block diagram of the cross-border e-commerce financial risk control system force deduction based on the account double-lock technology according to the preferred embodiment of the present invention;
fig. 12 is an account unlocking schematic block diagram of the cross-border e-commerce financial risk control system based on the account double-lock technology according to the preferred embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the following will clearly and completely describe the technical solutions in the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without inventive step, are within the scope of the present invention.
The cross-border e-commerce financial risk control method based on the account double-lock technology of the preferred embodiment of the invention is shown in fig. 1 and also refers to fig. 2, and comprises the following steps:
s01: the service platform receives a loan approval result sent by a capital party, synchronizes the loan approval result to the e-commerce platform, and informs a seller of the loan approval result; the loan approval result is obtained by a loan application of the seller approved by the fund party, and the loan application is initiated by the fund party after the seller authorizes the service platform to obtain account information from the payment company; if the loan approval is passed, executing the next step, otherwise, terminating;
s02: the service platform receives collection account information of a platform account sent by the e-commerce platform, wherein the platform account is a platform account which is applied for locking by a seller on the e-commerce platform, and the locked platform account can only be unlocked by the service platform;
s03: the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information;
s04: if the verification fails, the service platform sends an unlocking instruction to the e-commerce platform to unlock the locked platform account, and sends information to inform a seller to change the platform account and apply for locking the platform account on the e-commerce platform again; if the verification is successful, the service platform sends a confirmation instruction to the E-commerce platform to confirm locking of the platform account and sends information to inform a fund party that the platform account is locked; after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller to the payment company, and receives locking information of the seller after the payment company receives the information of successful loan placement and locks the account of the payment company;
the application provides a cross-border e-commerce financial risk control method based on an account double-lock technology, which can effectively realize the fund control closed loop of a financial institution on cross-border e-commerce, and can realize effective risk control by combining reasonable credit line of cross-border e-commerce operation data, thereby greatly reducing the loan difficulty of the cross-border e-commerce and having wider application prospect in the cross-border e-commerce financial field;
the cross-border e-commerce financial risk control method based on account double-locking is divided into two parts, namely platform account locking and payment company account locking:
e-commerce platform Account locking (MAL: marketplace Account Lock): for example, in an amazon e-commerce platform, a seller applies for account locking at a platform end, the platform provides the collection account information of the seller to a service platform, the seller can only send a release instruction at the service platform after the account is locked, and the seller cannot change the collection account at the platform end;
payment service Provider Account Lock (PAL): at a payment company end, a seller needs to authorize a service platform to obtain account information of the seller in the payment company, and forcibly deducts funds of an account of the payment company when loan is overdue, a withdrawal account of the seller is switched to a bank card appointed by a fund party, and once locking is not changeable, money withdrawal of an e-commerce platform is completed by combining MAL to form a fund closed loop;
through double locking of a collection account of an e-commerce platform of a seller and a withdrawal account of a payment company, after the seller loan is overdue, the payment company can freeze the seller money return (the seller cannot withdraw from the payment company account) according to an instruction of a service platform and forcibly deduct the seller into a specified bank account;
after the seller loan is settled, the seller notifies the settlement result to the service platform, the service platform unlocks the e-commerce platform and account locking of the payment company, and then the seller can replace the payment company of the seller at the platform end and can also replace the withdrawal account of the seller at the payment company.
Preferably, as shown in fig. 3 and referring to fig. 4, the seller adopts the method of authorizing the service platform to obtain account information from the payment company:
s11: the seller selects a payment company and sends a selection result to the service platform, and the service platform sends an authorization request to the corresponding payment company according to the received selection result;
s12: after receiving the authorization request, the payment company returns an authorization page link of the payment company to the service platform;
s13: the service platform sends the payment company authorization page link to the seller or displays the page link to the seller;
s14: the seller confirms the authorization online according to the authorization page link of the payment company, and the payment company authorizes the service platform and provides account information of the seller after the seller identity verification is successful;
s15: the service platform modifies the authorization state to be authorized and prompts the seller that the authorization is successful;
before the seller locks the account number of the payment company, the seller needs to authorize the payment company through the service platform, and after the seller authorizes the payment company, the service platform performs data interaction with the payment company. The main functions comprise:
(1) The seller entrusted service platform obtains account information from a payment company, locks the account and enforces fund deduction in the case of overdue, and the seller must obtain authorization first.
(2) After the seller authorizes, the payment company provides the seller account body information to the service platform, so that the service platform verifies the identity of the seller and ensures the ownership of the seller to the account of the payment company.
Preferably, as shown in fig. 5, and referring to fig. 6, the method further comprises the steps of:
and (3) unlocking the account:
s21: after the seller completes the loan, the fund side sends loan settlement information to the service platform;
s22: the service platform sends the loan settlement information to the payment company, and the payment company releases the locking of the seller on the account of the payment company and feeds back the information to the service platform;
s23: the service platform sends the loan settlement information to the e-commerce platform, and the e-commerce platform unlocks the account of the seller platform and informs the seller;
after the loan is settled, the service platform unlocks the account for the seller on the platform side and the payment company side, respectively.
Preferably, as shown in fig. 7, the method further comprises the steps of:
forced button cutting process:
s31: the fund party sends overdue information and a deduction request to the service platform when the seller loan is overdue;
s32: the service platform requires the payment company to carry out forced deduction on the account of the seller in an API instruction mode according to the deduction request, and deducts the fund to the designated account of the seller;
if the seller's account in the payment company is insufficient to clear the overdue loan on the compulsory deduction day, the compulsory deduction is continued on the next day until all the remaining loans are cleared;
a cross-border e-commerce financial risk control system based on account double-lock technology, as shown in fig. 8, with reference to fig. 9-12, includes a service platform 3;
the service platform 3 is used for receiving the loan approval result sent by the capital party 5, synchronizing the loan approval result to the e-commerce platform 2 and informing the seller 1 of the loan approval result; the loan approval result is obtained by the fund party 5 approving the loan application of the seller 1, and the loan application is initiated by the fund party 5 after the seller 1 authorizes the service platform 3 to obtain account information from the payment company 4; if the loan approval is passed, executing the next step, otherwise, terminating;
the service platform 3 receives collection account information of a platform account sent by the e-commerce platform 2, wherein the platform account is a platform account which is applied for locking by a seller on the e-commerce platform 2, and the locked platform account can only be unlocked by the service platform 3;
the service platform 3 acquires the account body information of the seller 1 in the payment company 4 from the payment company 4 according to the authorization of the seller 1, and the service platform 3 performs seller identity verification on the payment account information and the account body information;
if the verification fails, the service platform 3 sends an unlocking instruction to the e-commerce platform 2 to unlock the locked platform account, and sends information to inform the seller 1 to change the platform account and apply for locking the platform account on the e-commerce platform again;
if the verification is successful, the service platform 3 sends a confirmation instruction to the e-commerce platform 2 to confirm the locking of the platform account and sends information to inform the fund party 5 that the platform account is locked; after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller 1 to the payment company 4, and receives locking information of the seller 1 after the payment company 4 receives the information of successful loan placement and locks an account of the payment company 4;
the application provides a cross-border e-commerce financial risk control system based on account double-lock technology, can realize that effective risk control can be realized to cross-border e-commerce's fund control closed loop to the financial institution, combines the reasonable credit line of operating the data to cross-border e-commerce, reduces the cross-border e-commerce loan degree of difficulty by a wide margin, has comparatively extensive application prospect in cross-border e-commerce finance field.
Preferably, the seller 1 adopts the following method in authorizing the service platform 3 to obtain the account information from the payment company:
the seller 1 selects a payment company 4 and sends a selection result to the service platform 3, and the service platform 3 sends an authorization request to the corresponding payment company 4 according to the received selection result;
after receiving the authorization request, the payment company 4 returns an authorization page link of the payment company 4 to the service platform 3;
the service platform 3 sends the authorized page link of the payment company 4 to the seller 1 or displays the authorized page link to the seller 1;
the seller 1 performs on-line confirmation and authorization according to the authorization page link of the payment company 4, and the payment company 4 authorizes the service platform and provides account information of the seller after the identity verification of the seller 1 is successful;
the service platform 3 modifies the authorization state into authorized state and prompts the seller 1 that the authorization is successful;
before the seller 1 locks the account number of the payment company 4, the seller 1 needs to authorize the payment company 4 through the service platform 3, and after the authorization, the service platform 3 performs data interaction with the payment company 4. The main functions comprise:
(1) The seller 1 entrusts the service platform 3 to obtain account information, lock the account and force fund deduction in case of overdue, and the seller 1 must obtain authorization.
(2) After the seller 1 authorizes, the payment company 4 provides the seller account body information to the service platform 3, so that the service platform 3 verifies the identity of the seller 1 and ensures the ownership of the seller 1 to the account of the payment company.
Preferably, the service platform 3 is further configured to: receiving loan settlement information sent by a fund party 5 after the settlement of the loan of the seller 1, sending the loan settlement information to a payment company 4 by a service platform 3, receiving feedback information of the payment company 4 for unlocking the account of the seller 1 in the payment company 4, and sending the loan settlement information to an e-commerce platform 2 by the service platform 3; after the loan is settled, the service platform 3 unlocks the account for the seller on the platform side and the payment company side, respectively.
Preferably, the service platform 3 is further configured to: receiving overdue information and a deduction request sent by a fund party 5 when the loan of the seller 1 is overdue, requesting the payment company 4 to carry out forced deduction on the account of the seller according to the deduction request in an API instruction mode, deducting the fund to a designated account of the fund party, and if the fund of the seller 1 in the account of the payment company 4 on the day of forced deduction is not enough to clear the overdue loan, continuing the forced deduction on the next day until all the remaining loans are cleared.
Taking Amazon e-commerce platform as an example, as shown in fig. 9, most of the sales collection routes of cross-border e-commerce sellers are generally: after various fees collected by the platform are deducted by the e-commerce platform at first in the sale refund of the cross-border e-commerce platform, the seller settles the account opened by the payment company in the overseas bank, and then the fund enters the account opened by the payment company in the in-border bank, and finally the seller withdraws the own domestic bank account; the seller can change an overseas collection account of the e-commerce platform and also can change a cash withdrawal account bound to the payment company;
in order to realize closed-loop control of funds, the application provides an account double-locking technology, as shown in fig. 10, the cross-border e-commerce financial risk control method based on account double-locking is divided into two parts, namely platform account locking and payment company account locking, through double-locking of an e-commerce platform collection account and a payment company withdrawal account of a seller, after a seller loan is overdue, the payment company can freeze a seller's return money (the seller cannot withdraw from the payment company account) according to an instruction of a service platform, and forcibly withholds a bank designated account;
as shown in fig. 11, when the seller loan is overdue, the seller needs to request the service platform to make a forced deduction, and the service platform is notified of the funds that need to be forced deducted. The service platform requires a payment company to carry out forced deduction on the account of the seller in an API instruction mode according to the request of the seller, and deducts the fund to the specified account of the seller; if the seller's account in the payment company is insufficient to clear the overdue loan on the compulsory deduction day, the compulsory deduction is continued on the next day until all the remaining loans are cleared;
as shown in fig. 12, after the seller loan settles, the sponsor notifies the service platform of the settlement result, and the service platform unlocks the e-commerce platform and the account lock of the payment company. And then the seller can replace the payment company of the seller at the platform end and also can replace the cash-out account of the seller at the payment company.
It will be understood that modifications and variations can be made by persons skilled in the art in light of the above teachings and all such modifications and variations are intended to be included within the scope of the invention as defined in the appended claims.
Claims (4)
1. A cross-border e-commerce financial risk control method based on an account double-lock technology is characterized by comprising the following steps:
the service platform receives a loan approval result sent by a capital party, synchronizes the loan approval result to the e-commerce platform, and informs a seller of the loan approval result; the loan approval result is obtained by a loan application of the seller approved by the fund party, and the loan application is initiated by the fund party after the seller authorizes the service platform to obtain account information from the payment company; if the loan approval is passed, executing the next step, otherwise, terminating;
the service platform receives collection account information of a platform account sent by the e-commerce platform, wherein the platform account is a platform account which is applied for locking by a seller on the e-commerce platform, and the locked platform account can only be unlocked by the service platform;
the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information;
if the verification fails, the service platform sends an unlocking instruction to the e-commerce platform to unlock the locked platform account, and sends information to inform a seller to change the platform account and apply for locking the platform account on the e-commerce platform again;
if the verification is successful, the service platform sends a confirmation instruction to the E-commerce platform to confirm locking of the platform account and sends information to inform a fund party that the platform account is locked; after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller to a payment company, and receives locking information of the seller after locking an account of the payment company after the payment company receives the information of successful loan placement; the method comprises the steps that the account of a payment company is locked, the account of an e-commerce platform is locked, so that a fund closed loop is formed by the fund withdrawal of the e-commerce platform, and after the loan of a seller is overdue, the payment company freezes the fund withdrawal of the seller according to an instruction of a service platform and forcibly deducts the fund withdrawal to a specified account of a bank;
the method further comprises the steps of:
and (3) unlocking the account:
after the seller finishes the loan, the fund sends loan settlement information to the service platform;
the service platform sends the loan settlement information to the payment company, and the payment company releases the locking of the seller on the account of the payment company and feeds back the information to the service platform;
the service platform sends the loan settlement information to the e-commerce platform, and the e-commerce platform releases the locking of the seller platform account and informs the seller;
the method further comprises the steps of:
forced button cutting process:
when the loan of the seller is overdue, the fund party sends overdue information and a withholding request to the service platform;
and the service platform requires the payment company to carry out forced deduction on the account of the seller in an API instruction mode according to the deduction request, deducts the fund to the designated account of the seller, and if the seller does not have enough fund in the account of the payment company for overdue loan, continues the forced deduction on the next day until all the residual loans are cleared.
2. The method for controlling the cross-border e-commerce financial risk based on the account double-lock technology as claimed in claim 1, wherein the seller adopts the method of authorizing the service platform to obtain the account information from the payment company:
the seller selects a payment company and sends a selection result to the service platform, and the service platform sends an authorization request to the corresponding payment company according to the received selection result;
after receiving the authorization request, the payment company returns an authorization page link of the payment company to the service platform;
the service platform sends the payment company authorization page link to the seller or displays the page link to the seller;
the seller confirms the authorization on line according to the authorization page link of the payment company, and the payment company authorizes the service platform and provides account information of the seller after the identity verification of the seller is successful;
the service platform modifies the authorization state to be authorized and prompts the seller that the authorization is successful.
3. A cross-border e-commerce financial risk control system based on account double-lock technology is characterized by comprising a service platform;
the service platform is used for receiving a loan approval result sent by a capital party, synchronizing the loan approval result to the e-commerce platform and informing a seller of the loan approval result; the loan approval result is obtained by a loan application of the seller approved by the funding party, and the loan application is initiated by the funding party after the seller authorizes the service platform to obtain account information from the payment company; if the loan approval is passed, executing the next step, otherwise, terminating;
the method comprises the steps that a service platform receives collection account information of a platform account sent by an e-commerce platform, the platform account is a platform account which is applied for locking by a seller on the e-commerce platform, and the locked platform account can only be unlocked by the service platform;
the method comprises the steps that a service platform obtains account body information of a seller in a payment company from the payment company according to the authorization of the seller, and the service platform conducts seller identity verification on collection account information and the account body information;
if the verification fails, the service platform sends an unlocking instruction to the e-commerce platform to unlock the locked platform account, and sends information to inform a seller to change the platform account and apply for locking the platform account on the e-commerce platform again;
if the verification is successful, the service platform sends a confirmation instruction to the e-commerce platform to confirm the locking of the platform account, and sends information to inform a fund party that the platform account is locked; after receiving the information of successful loan placement of the seller, the service platform sends the information of successful loan placement of the seller to a payment company, and receives locking information of the seller after locking an account of the payment company after the payment company receives the information of successful loan placement; the method comprises the steps that the account of a payment company is locked, the account of an e-commerce platform is locked, so that a fund closed loop is formed by the fund withdrawal of the e-commerce platform, and after the loan of a seller is overdue, the payment company freezes the fund withdrawal of the seller according to an instruction of a service platform and forcibly deducts the fund withdrawal to a specified account of a bank;
the service platform is further configured to: receiving loan settlement information sent by a fund party after the seller settles a loan, sending the loan settlement information to a payment company by a service platform, receiving feedback information of the payment company for unlocking the seller from an account of the payment company, and sending the loan settlement information to a e-commerce platform by the service platform;
the service platform is further configured to: and receiving overdue information and a deduction request sent by a fund party when the loan of the seller is overdue, requiring the payment company to carry out forced deduction on the account of the seller by the service platform in an API instruction mode according to the deduction request, deducting the fund to a specified account of the fund, and if the fund of the seller in the account of the payment company on the forced deduction day is not enough to clear the overdue loan, continuing the forced deduction on the second day until all the rest loans are cleared.
4. The system for controlling the cross-border e-commerce financial risk based on the account double-lock technology as claimed in claim 3, wherein the seller adopts the method of authorizing the service platform to obtain the account information from the payment company:
the seller selects a payment company and sends a selection result to the service platform, and the service platform sends an authorization request to the corresponding payment company according to the received selection result;
after receiving the authorization request, the payment company returns an authorization page link of the payment company to the service platform;
the service platform sends the payment company authorization page link to the seller or displays the page link to the seller;
the seller confirms the authorization online according to the authorization page link of the payment company, and the payment company authorizes the service platform and provides account information of the seller after the seller identity verification is successful;
the service platform modifies the authorization state to be authorized and prompts the seller that the authorization is successful.
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| US7970699B1 (en) * | 2006-03-27 | 2011-06-28 | Loan Insights, Inc. | Customized consumer loan search and optimized loan pricing |
| CN109784880A (en) * | 2018-12-06 | 2019-05-21 | 中非电子商务有限公司 | The method and system of cross-border transaction |
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| CN105844515A (en) * | 2016-05-20 | 2016-08-10 | 淄博新商机电子商务有限公司 | Bulk commodity online order financing transaction system |
| CN106447487A (en) * | 2016-05-27 | 2017-02-22 | 上海瑷卜网络科技有限公司 | Realization method of online financial credit service |
| CN107742251A (en) * | 2017-08-30 | 2018-02-27 | 优品汽车服务（上海）有限公司 | A kind of automobile logistics transport guarantee transaction operation system and the method for dispatching a car of providing loans |
| CN112036887A (en) * | 2019-06-04 | 2020-12-04 | 北京三快在线科技有限公司 | Resource transfer method, device, equipment and storage medium |
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| US7970699B1 (en) * | 2006-03-27 | 2011-06-28 | Loan Insights, Inc. | Customized consumer loan search and optimized loan pricing |
| CN109784880A (en) * | 2018-12-06 | 2019-05-21 | 中非电子商务有限公司 | The method and system of cross-border transaction |
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