CN114612090A - Cross-border remittance method and device - Google Patents

Cross-border remittance method and device Download PDF

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CN114612090A
CN114612090A CN202210249006.7A CN202210249006A CN114612090A CN 114612090 A CN114612090 A CN 114612090A CN 202210249006 A CN202210249006 A CN 202210249006A CN 114612090 A CN114612090 A CN 114612090A
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payment
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陆雯怡
余佳敏
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Bank of China Financial Technology Co Ltd
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Bank of China Financial Technology Co Ltd
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The invention provides a cross-border remittance method and a device, belonging to the technical field of financial services. The cross-border remittance method comprises the following steps: acquiring signing data of a target client; acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file; splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file; verifying each split transaction file based on the signing data of the target client; and under the condition of successful verification, executing batch cross-border remittance operation according to all payment records of each transaction file in the batch transaction files. The invention can improve the processing efficiency of cross-border remittance business.

Description

Cross-border remittance method and device
Technical Field
The invention relates to the technical field of financial services, in particular to a cross-border remittance method and a cross-border remittance device.
Background
The cross-border remittance refers to the business of carrying out foreign exchange remittance to the receiver of bank account opening in the region outside the continent within the specified limit by the personal online bank client.
In the current cross-border remittance scene, each member enterprise of a cross-country company independently finishes the cross-border remittance service, and the cross-border remittance mode is complicated for the cross-country company, so that the cross-border remittance efficiency is reduced.
Disclosure of Invention
The invention provides a cross-border remittance method and a device, which are used for overcoming the defect that a cross-border remittance business process is complex to complete by a cross-border company in the prior art and improving the efficiency of the cross-border remittance of the cross-border company.
The invention provides a cross-border remittance method, which comprises the following steps: acquiring signing data of a target client; acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file; splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file; verifying each split transaction file based on the signing data of the target client; and under the condition of successful verification, executing batch cross-border remittance operation according to all payment records of each transaction file in the batch transaction files.
According to the cross-border remittance method provided by the invention, the signing data comprises information of a host enterprise, information of member enterprises and transaction currencies.
According to the cross-border remittance method provided by the invention, the verification of each split transaction file based on the signing data of the target client comprises the following steps: verifying whether the enterprise relationship between the sponsoring enterprise corresponding to each payment record and the member enterprise corresponding to each reduction detail record is correct or not based on the information of the sponsoring enterprise and the information of the member enterprises; verifying whether the transaction currency in each payment record is consistent with the transaction currency in the subscription data; and under the condition that the enterprise relationship is correct and the transaction currencies are consistent, the verification is successful.
According to the cross-border remittance method provided by the invention, when the verification is successful, the batch cross-border remittance operation is executed according to all the payment records of each transaction document in the batch transaction documents, and the method comprises the following steps: under the condition that the verification is successful, converting all payment records in each transaction file into a payment text in a cross-border remittance SWIFT format; and executing batch cross-border remittance operation based on the payment texts corresponding to all the transaction files.
According to the cross-border remittance method provided by the invention, after the obtaining of the at least one payment record and the at least one reducibility record corresponding to each transaction document, the method further comprises the following steps: and respectively adding each payment record and each restoration detail record to a database.
According to the cross-border remittance method provided by the invention, the signing data further comprises a commission charge collecting mode; after the performing a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction document, the method further comprises the following steps: calculating the information of the fees to be paid by the host enterprise and the corresponding information of the fees to be paid by the member enterprises in each transaction file based on the charging mode of the commission fees; wherein, the expense information comprises procedure expense information and/or telecommunication expense information; and executing the operation of collecting the fees in batches based on the information of the fees to be paid by the host enterprise and the information of the fees to be paid by the member enterprises corresponding to each transaction file.
According to the cross-border remittance method provided by the invention, after the operation of collecting the fees in batches, the method further comprises the following steps: and executing batch declaration operation according to international payment declaration requirements based on the payment record and the reduction detail record corresponding to each transaction file.
The present invention also provides a cross-border remittance apparatus comprising:
the data acquisition module is used for acquiring the subscription data of the target client;
the transaction file acquisition module is used for acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file;
the splitting module is used for splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file;
the verification module is used for verifying each split transaction file based on the signing data of the target client;
and the cross-border remittance module is used for executing batch cross-border remittance operation according to all the payment records of each transaction file in the batch transaction files under the condition of successful verification.
The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to implement the cross-border remittance method as described in any of the above.
The present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a cross-border remittance method as any one of the above.
The cross-border remittance method and the device provided by the invention have the advantages that by acquiring the signing data of the target client and acquiring the batch transaction files of the target client, the transaction files are split by using the detail type identification of each transaction record in the transaction files to obtain the payment record and the reduction detail record corresponding to the transaction files, each split transaction file is verified based on the signing data of the target client, and under the condition of successful verification, batch cross-border remittance operation is executed according to all the payment records of each transaction file in the batch transaction files, so that the host enterprise of a cross-country company can use a centralized payment main account to perform cross-border remittance service for domestic member enterprises, batch remittance is realized on the basis of centralized payment, and the processing efficiency of the cross-border remittance service is improved.
Drawings
In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed for the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
FIG. 1 is a schematic flow diagram of a cross-border money transfer method provided by the present invention;
FIG. 2 is a schematic diagram of the relationship between transaction files, payment records, recovery detail records, and payment text provided by the present invention;
FIG. 3 is a schematic diagram of a cross-border money transfer process provided by the present invention;
FIG. 4 is a schematic diagram of a cross-border money transfer arrangement according to the present invention;
fig. 5 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms first, second and the like in the description and in the claims of the present invention are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that embodiments of the invention may be practiced other than those illustrated or described herein, and that the objects identified as "first," "second," etc. are generally a class of objects and do not limit the number of objects, e.g., a first object may be one or more. In addition, "and/or" in the specification and claims means at least one of connected objects, a character "/" generally means that a preceding and succeeding related objects are in an "or" relationship.
It should be appreciated that reference throughout this specification to "one embodiment" or "an embodiment" means that a particular feature, structure or characteristic described in connection with the embodiment is included in at least one embodiment of the present invention. Thus, the appearances of the phrases "in one embodiment" or "in an embodiment" in various places throughout this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
The cross-border money transfer method of the present invention is described below in conjunction with fig. 1-3.
FIG. 1 is a flow diagram illustrating a cross-border money transfer method provided by the present invention. As shown in fig. 1, the method includes step 101, step 102, step 103, step 104, and step 105.
Step 101, obtaining the subscription data of the target client.
Optionally, the subscription data includes information of the host enterprise, information of the member enterprise, and a transaction currency.
Wherein the information of the sponsoring enterprise comprises at least one of the following: the client name of the host enterprise, the account name of the host enterprise and the account number of the host enterprise.
The information of the member enterprise includes at least one of: the member enterprise client name, the member enterprise account number and the host enterprise corresponding to the member enterprise.
It should be noted that the target client may be a multinational company that needs to handle the cross-border remittance service;
the client can fill in the page input related signing data through the signing data in the online banking client, the submitting operation is completed, and then the electronic equipment can acquire the signing data of the client.
It will be appreciated that the relationship between the host enterprise and member enterprises and the currency of the transaction may be obtained via the subscription data, such as which member enterprises the host enterprise may host for cross-border remittance and which currency to select for payment, etc.
Step 102, obtaining batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file.
It should be noted that, the user may submit one or more transaction documents at the same time at the internet banking client.
Wherein, the same batch of transaction files comprises a plurality of transaction records, wherein each transaction record can be a payment record or a recovery detail record.
The payment record is related payment information of the host enterprise, and includes information required for cross-border remittance and information required for international reimbursement, for example, fields of the payment record may include a sender name, a sender address, an epilogue, a remittance mode, a customer service number, a Bank Identification Code (BIC) of a recipient Bank, a recipient account number, a recipient name, etc., and the reduction detail record is payment information required to be completed by each member enterprise paid by the host enterprise agent, and mainly includes information required for international reimbursement.
Each member enterprise paid by the agency has at least one recovery detail record; each payment record comprises at least one reduction detail record, for example, the transaction currency used when the member A enterprise and the member B enterprise respectively carry out cross-border remittance business is the same, so the host enterprise can collectively act on the member A enterprise and the member B enterprise to handle cross-border remittance through the centralized payment main account, at the moment, the host enterprise corresponds to one payment record, and the member A enterprise and the member B enterprise respectively correspond to one reduction detail record.
It is understood that the electronic device obtains one or more batches of transaction files submitted by the target customer, wherein the batches of transaction files include at least one transaction file.
Step 103, splitting each transaction file based on the detail type identifier of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file.
It should be noted that, according to the detail type identifier, it may be distinguished whether each transaction record is a payment record or a recovery detail record, and further, all transaction records in one transaction file are divided into two types, i.e., a payment record and a recovery detail record.
It can be understood that, the electronic device splits each transaction file based on the detail type identifier of each transaction record in each transaction file, and can obtain at least one payment record and at least one recovery detail record corresponding to each transaction file.
And 104, verifying each split transaction file based on the signing data of the target client.
It should be noted that the subscription data is data that has been verified to be accurate, and a transaction record inconsistent with the subscription data may exist in a transaction file submitted by a user, so that information in the transaction file needs to be verified through the subscription data.
It is understood that the electronic device verifies each split transaction file based on the subscription data of the target customer.
And 105, under the condition that the verification is successful, executing batch cross-border remittance operation according to all the payment records of each transaction file in the batch transaction files.
It should be understood that only payment records are required when performing the cross-border money transfer operation, and that the detail records need not be restored at this time.
In the event that a transaction document fails to be verified, the batch cross-border remittance operation is terminated.
It will be appreciated that the electronic device performs a batch cross-border remittance operation based on all payment records for each transaction document in the batch transaction document if the information of the transaction document is successfully verified.
In the embodiment of the invention, the signing data of the target client is obtained, the batch transaction files of the target client are obtained, the transaction files are split by using the detail type identification of each transaction record in the transaction files to obtain the payment record and the reduction detail record corresponding to the transaction files, each split transaction file is verified based on the signing data of the target client, and under the condition of successful verification, batch cross-border remittance operation is executed according to all the payment records of each transaction file in the batch transaction files, so that the host enterprises of the cross-country companies can intensively host cross-border remittance services for the domestic member enterprises by using the centralized payment main account, batch remittance is realized on the basis of centralized payment, and the processing efficiency of the cross-border remittance services is improved.
Optionally, the verifying each split transaction file based on the subscription data of the target customer includes:
verifying whether the enterprise relationship between the sponsoring enterprise corresponding to each payment record and the member enterprise corresponding to each reduction detail record is correct or not based on the information of the sponsoring enterprise and the information of the member enterprises;
verifying whether the transaction currency in each payment record is consistent with the transaction currency in the subscription data;
and under the condition that the enterprise relationship is correct and the transaction currencies are consistent, the verification is successful.
It should be noted that the existence of the enterprise relationship between the host enterprise and the member enterprise may be determined by the host enterprise corresponding to the member enterprise in the information of the member enterprise in the subscription data.
When the information of the sponsoring enterprise corresponding to the payment record is inconsistent with the information of the sponsoring enterprise in the signing data, the verification fails;
alternatively, the first and second electrodes may be,
when the information of the member enterprise corresponding to the reduction detail record is inconsistent with the information of the member enterprise in the signing data, the verification fails;
alternatively, the first and second electrodes may be,
determining the host enterprise with enterprise connection between the member enterprises corresponding to the reduction detail record according to the information of the member enterprises corresponding to the reduction detail record and the host enterprise corresponding to the member enterprise in the signed data;
when the sponsoring enterprise corresponding to the payment record is inconsistent with the determined sponsoring enterprise, the verification fails;
alternatively, the first and second electrodes may be,
and when the transaction currency in the payment record is inconsistent with the transaction currency in the contract data, the verification fails.
It can be understood that for one transaction file, the verification is successful only if the business relationship between the host business in each payment record and the member business in each recovery detail record is correct, and the transaction currency in the transaction record in the payment record is consistent with the transaction currency in the contract data.
In the embodiment of the invention, the enterprise relationship between the host enterprise and the member enterprise in each transaction file is checked based on the information of the host enterprise and the information of the member enterprise in the client signing data, and the transaction currency in each payment record is checked through the transaction currency in the signing data, so that the accuracy of remittance information in cross-border remittance is ensured, and further, the economic dispute and the economic loss are reduced to a certain extent.
Optionally, in the case that the verification is successful, performing a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction documents includes:
under the condition that the verification is successful, converting all payment records in each transaction file into a payment text in a cross-border remittance SWIFT format;
and executing batch cross-border remittance operation based on the payment texts corresponding to all the transaction files.
It should be noted that the payment record in the transaction document cannot be directly used for cross-border remittance, and the payment record needs to be converted into a cross-border remittance SWIFT (Society for world wide bank Financial telecommunication Society), and the converted payment text can be used for cross-border remittance.
The cross-border remittance SWIFT format payment text comprises SWIFT codes, the codes are equivalent to international universal bank identification codes, each bank added into the financial telecommunication society of the world bank corresponds to one SWIFT code, and the SWIFT codes of remittance banks are required to be provided during cross-border remittance.
It can be understood that one payment text is generated for all payment records in the same transaction file, that is, one transaction file corresponds to one payment text.
And after one payment text is respectively generated for all the transaction files, performing batch cross-border remittance operation by using all the payment texts.
In the embodiment of the invention, all payment records in each batch of transaction files are converted into one payment text in SWIFT format, and batch cross-border remittance operation is executed based on all the payment texts, so that the requirement of completing multiple cross-border payments for member enterprises by a host enterprise in a cross-country group enterprise is met at one time, batch remittance is realized on the basis of centralized payment, the processing efficiency of cross-border remittance service is improved, and the bank competitiveness is also improved.
Fig. 2 is a schematic diagram of the relationship between the transaction file, the payment record, the recovery detail record and the payment text provided by the present invention. As shown in fig. 2, the batch trading file includes trading file 1, trading file 2 … … trading file N;
the transaction file 1 comprises a payment record 1, the payment record 1 comprises three recovery detail records, namely a recovery detail record 1, a recovery detail record 2 and a recovery detail record 3, and all payment records, namely the payment record 1 in the transaction file 1, need to be converted into a payment text 1 in a cross-border remittance SWIFT format when a cross-border remittance operation is executed;
the transaction file 2 comprises a payment record 2, the payment record 2 comprises three recovery detail records, namely a recovery detail record 4, a recovery detail record 5 and a recovery detail record 6, and when the cross-border remittance operation is executed, all payment records in the transaction file 2, namely the payment records 2, need to be converted into a payment text 2 in a cross-border remittance SWIFT format;
the transaction file N includes two payment records, namely a payment record M and a payment record M +1, which have different transaction currencies (not shown in fig. 2). The payment record M comprises three recovery detail records, namely a recovery detail record P, a recovery detail record P +1 and a recovery detail record P + 2; the payment record M +1 comprises two restoration detail records, namely a restoration detail record P +3 and a restoration detail record P + 4; when the cross-border remittance operation is executed, all payment records in the transaction file N, namely the payment record M and the payment record M +1, need to be converted into the payment text Q in the cross-border remittance SWIFT format (where N, M, P, Q are positive integers greater than or equal to 1).
Optionally, after obtaining at least one payment record and at least one recovery detail record corresponding to each of the transaction files, the method further includes: and respectively adding each payment record and each restoration detail record to a database.
It should be noted that, the payment record is added to the corresponding payment record database; and adding the reduction detail records to the corresponding reduction detail record database.
In the embodiment of the invention, each payment record and each recovery detail record are respectively added to the database, so that data storage is completed, and the payment records or the recovery detail records can be rapidly acquired when being used subsequently.
Optionally, the subscription data further includes a commission charge mode;
after the performing a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction document, the method further comprises the following steps:
calculating the information of the fees to be paid by the host enterprise and the corresponding information of the fees to be paid by the member enterprises in each transaction file based on the charging mode of the commission fees; wherein, the expense information comprises procedure expense information and/or telecommunication expense information;
and executing the operation of collecting the fees in batches based on the information of the fees to be paid by the host enterprise and the information of the fees to be paid by the member enterprises corresponding to each transaction file.
The handling fee charging method includes at least one of the following:
(1) no procedure fee and no telecommunication fee are charged;
(2) all procedure fees and telecommunication fees are collected from the host enterprise;
(3) all procedure fees and telecommunication fees are allocated by corresponding member enterprises in a transaction document according to respective cross-border remittance amounts.
It is understood that after the cross-border remittance payment is successfully performed, the procedure fee and/or the telecommunication fee to be paid by the host enterprise and the member enterprise in each transaction document are calculated according to the procedure fee charging method already recorded in the contract data, and then the related fee is charged in batch according to the calculation result.
In the related technology, if member enterprises respectively execute cross-border remittance operation, each remittance needs to charge the commission fee and the telecommunication fee, and the centralized payment method of the application only charges the commission fee and the telecommunication fee once aiming at each payment text, so that the commission fee and the telecommunication fee expenditure of the cross-country company in the cross-border remittance can be reduced to a certain extent.
In the embodiment of the invention, the batch collection of the handling fee and/or the telecommunication fee is realized by a handling fee collection mode in the signing data, the handling fee and the telecommunication fee expenditure of a transnational company in the transregional remittance can be reduced to a certain extent, the fee collection efficiency in the transregional remittance is improved, and the bank competitiveness is further improved.
Optionally, after the performing the bulk charging operation for the fee, the method further includes:
and executing batch declaration operation according to the international payment declaration requirement based on the payment record and the reduction detail record corresponding to each transaction file.
It should be noted that, according to the international payment declaration requirement, after the cross-border remittance operation is executed, declaration is required.
It can be understood that batch declaration can be realized at one time after centralized payment, and the declaration efficiency is higher compared with the situation that each member enterprise needs to declare respectively after independent cross-border remittance.
In the embodiment of the invention, the batch declaration operation is executed according to the international payment declaration requirement by the payment record and the reduction detail record corresponding to each transaction file, so that the international reimbursement declaration efficiency can be improved, and the bank competitiveness is improved.
Fig. 3 is a schematic diagram of a cross-border money transfer process provided by the present invention. As shown in fig. 3, the process includes steps 301 to 309.
Step 301, acquiring subscription data of a target client;
step 302, acquiring batch transaction files of target customers;
step 303, splitting and checking each transaction file; in the step, splitting is carried out according to the detail type identification of each transaction record in each transaction file, and the transaction file is verified according to the signing data of the client.
Step 304, checking whether the operation is consistent, if so, executing step 305, otherwise, ending all the operations; the step of checking whether the transaction currency type in each payment record is consistent with the transaction currency type in the signing data refers to checking whether the enterprise relationship between the host enterprise corresponding to each payment record and the member enterprise corresponding to each reduction detail record is correct or not.
Step 305, performing a batch cross-border money transfer operation; in this step, all payment records in the same batch of transaction files need to be converted into a payment text in the cross border payment SWIFT format.
Step 306, calculating the commission charge and/or the telecommunication charge; in this step, calculation is performed according to the charging method of the commission charge in the subscription data of the client.
Step 307, judging whether to charge a subsequent fee, executing step 307 when charging a commission fee, and executing step 309 when not charging a commission fee;
308, collecting handling fee and/or telecommunication fee in batches;
and 309, reporting the international reimbursement in batch.
The cross-border money transfer devices provided by the present invention are described below, and the cross-border money transfer devices described below and the cross-border money transfer methods described above may be referred to with respect to each other.
Fig. 4 is a schematic structural diagram of a cross-border remittance apparatus according to an embodiment of the present invention, and as shown in fig. 4, the cross-border remittance apparatus according to an embodiment of the present invention includes a transaction document acquisition module 401, a transaction document acquisition module 402, a splitting module 403, a verification module 404, and a cross-border remittance module 405; wherein the content of the first and second substances,
a data obtaining module 401, configured to obtain subscription data of a target client;
a transaction file obtaining module 402, configured to obtain batch transaction files of the target customer, where the batch transaction files include at least one transaction file;
a splitting module 403, configured to split each transaction file based on the detail type identifier of each transaction record in each transaction file, to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file;
a verification module 404, configured to verify each split transaction file based on the subscription data of the target client;
and a cross-border remittance module 405, configured to, if the verification is successful, perform a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction documents.
The cross-border remittance device provided by the invention has the advantages that by acquiring the signing data of the target client and acquiring the batch transaction files of the target client, the transaction files are split by using the detail type identification of each transaction record in the transaction files to obtain the payment record and the reduction detail record corresponding to the transaction files, each split transaction file is verified based on the signing data of the target client, and under the condition of successful verification, batch cross-border remittance operation is executed according to all the payment records of each transaction file in the batch transaction files, so that the host enterprises of cross-country companies can use the centralized payment main account to intensively host cross-border remittance services for domestic member enterprises, batch remittance is realized on the basis of centralized payment, and the processing efficiency of the cross-border remittance services is improved.
Optionally, the subscription data includes information of the host enterprise, information of the member enterprise, and a transaction currency.
Optionally, the checking module 404 is configured to:
verifying whether the enterprise relationship between the sponsoring enterprise corresponding to each payment record and the member enterprise corresponding to each reduction detail record is correct or not based on the information of the sponsoring enterprise and the information of the member enterprises;
verifying whether the transaction currency in each payment record is consistent with the transaction currency in the subscription data;
and under the condition that the enterprise relationship is correct and the transaction currencies are consistent, the verification is successful.
Optionally, the cross-border money transfer module 405 is configured to:
under the condition that the verification is successful, converting all payment records in each transaction file into a payment text in a cross-border remittance SWIFT format;
and executing batch cross-border remittance operation based on the payment texts corresponding to all the transaction files.
Optionally, after obtaining at least one payment record and at least one recovery detail record corresponding to each of the transaction files, the method further includes: and respectively adding each payment record and each restoration detail record to a database.
Optionally, the subscription data further includes a commission charge mode;
after the performing a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction document, the method further comprises the following steps:
calculating the information of the expense to be paid by the host enterprise and the corresponding information of the expense to be paid by the member enterprise in each transaction file based on the handling fee charging mode; wherein, the charge information comprises procedure charge information and/or telecommunication charge information;
and executing the operation of collecting the fees in batches based on the information of the fees to be paid by the host enterprise and the information of the fees to be paid by the member enterprises corresponding to each transaction file.
Optionally, after the performing the batch charging operation for the fee, the method further includes:
and executing batch declaration operation according to international payment declaration requirements based on the payment record and the reduction detail record corresponding to each transaction file.
It should be noted that, the cross-border remittance apparatus provided in the embodiment of the present invention can implement all the method steps implemented by the cross-border remittance method embodiment and achieve the same technical effects, and detailed descriptions of the same parts and beneficial effects as the method embodiment in this embodiment are omitted.
Fig. 5 illustrates a physical structure diagram of an electronic device, which may include, as shown in fig. 5: a processor (processor)510, a communication Interface (Communications Interface)520, a memory (memory)530 and a communication bus 540, wherein the processor 510, the communication Interface 520 and the memory 530 communicate with each other via the communication bus 540. Processor 510 may invoke logic instructions in memory 530 to perform a cross-border money transfer method comprising: acquiring signing data of a target client; acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file; splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file; verifying each split transaction file based on the signing data of the target client; and under the condition of successful verification, executing batch cross-border remittance operation according to all payment records of each transaction file in the batch transaction files.
Furthermore, the logic instructions in the memory 530 may be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute 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), a magnetic disk or an optical disk, and other various media capable of storing program codes.
In another aspect, the present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform a cross-border remittance method provided by the above methods, the method comprising: acquiring signing data of a target client; acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file; splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file; verifying each split transaction file based on the signing data of the target client; and under the condition of successful verification, executing batch cross-border remittance operation according to all payment records of each transaction file in the batch transaction files.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims (10)

1. A method of cross-border remittance, comprising:
acquiring signing data of a target client;
acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file;
splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file;
verifying each split transaction file based on the signing data of the target client;
and under the condition of successful verification, executing batch cross-border remittance operation according to all payment records of each transaction file in the batch transaction files.
2. The method of claim 1, wherein the subscription data includes information about the host enterprise, information about the member enterprises, and a currency of transaction.
3. The cross-border remittance method according to claim 2, wherein the verifying each split transaction document based on the subscription data of the target customer comprises:
verifying whether the enterprise relationship between the sponsoring enterprise corresponding to each payment record and the member enterprise corresponding to each reduction detail record is correct or not based on the information of the sponsoring enterprise and the information of the member enterprises;
verifying whether the transaction currency in each payment record is consistent with the transaction currency in the contract signing data;
and under the condition that the enterprise relationship is correct and the transaction currencies are consistent, the verification is successful.
4. The cross-border remittance method according to any one of claims 1-3, wherein in case of successful verification, performing a batch cross-border remittance operation based on all payment records of each transaction document in the batch of transaction documents comprises:
under the condition that the verification is successful, converting all payment records in each transaction file into a payment text in a cross-border remittance SWIFT format;
and executing batch cross-border remittance operation based on the payment texts corresponding to all the transaction files.
5. The cross-border remittance method according to claim 1, further comprising, after obtaining at least one payment record and at least one redaction record corresponding to each of the transaction documents:
and respectively adding each payment record and each restoration detail record to a database.
6. The cross-border remittance method according to claim 2, wherein the contract data further comprises a commission charge;
after the performing a batch cross-border remittance operation according to all payment records of each transaction document in the batch transaction document, the method further comprises the following steps:
calculating the information of the expense to be paid by the host enterprise and the corresponding information of the expense to be paid by the member enterprise in each transaction file based on the handling fee charging mode; wherein, the expense information comprises procedure expense information and/or telecommunication expense information;
and executing the operation of collecting the fees in batches based on the information of the fees to be paid by the host enterprise and the information of the fees to be paid by the member enterprises corresponding to each transaction file.
7. The cross-border remittance method according to claim 6, further comprising, after the performing a fee bulk collection operation:
and executing batch declaration operation according to international payment declaration requirements based on the payment record and the reduction detail record corresponding to each transaction file.
8. A cross-border money transfer device, comprising:
the data acquisition module is used for acquiring the subscription data of the target client;
the transaction file acquisition module is used for acquiring batch transaction files of the target customer, wherein the batch transaction files comprise at least one transaction file;
the splitting module is used for splitting each transaction file based on the detail type identification of each transaction record in each transaction file to obtain at least one payment record and at least one recovery detail record corresponding to each transaction file;
the verification module is used for verifying each split transaction file based on the signing data of the target client;
and the cross-border remittance module is used for executing batch cross-border remittance operation according to all the payment records of each transaction file in the batch transaction files under the condition of successful verification.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the cross-border remittance method according to any one of claims 1 to 7.
10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the cross-border money transfer method of any of claims 1-7.
CN202210249006.7A 2022-03-14 2022-03-14 Cross-border remittance method and device Pending CN114612090A (en)

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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210249006.7A CN114612090A (en) 2022-03-14 2022-03-14 Cross-border remittance method and device

Publications (1)

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