CN116911999A

CN116911999A - Funds transaction method, device, equipment and storage medium

Info

Publication number: CN116911999A
Application number: CN202310940065.3A
Authority: CN
Inventors: 张文宣; 钱进
Original assignee: China Merchants Bank Co Ltd
Current assignee: China Merchants Bank Co Ltd
Priority date: 2023-07-27
Filing date: 2023-07-27
Publication date: 2023-10-20

Abstract

The invention relates to the field of computers and discloses a fund transaction method, a device, equipment and a storage medium, wherein the method is characterized in that a fund transaction request initiated by a user based on the current exchange rate is received; obtaining a locking exchange rate according to the fund transaction request and the current exchange rate, and generating a non-real-time sales collection commission based on the locking exchange rate; receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission; and remitting the purchased remittance currency corresponding to the remittance amount to the target account according to the transaction signing request. The exchange rate locking is carried out according to the fund transaction request initiated by the user based on the current exchange rate, and the non-real-time junction selling and exchange entrusting is carried out according to the locked exchange rate, so that the user can clearly remittance time and remittance cost according to the fund transaction request, the risk of remittance cost fluctuation caused by exchange rate fluctuation is reduced, and the use experience of the user is improved.

Description

Funds transaction method, device, equipment and storage medium

Technical Field

The present invention relates to the field of computer technology, and in particular, to a method, apparatus, device, and storage medium for funds transaction.

Background

At present, when enterprises carry out international trade, under the condition of conforming to national laws, certain trade background information is needed to remit money outwards, and the whole process can comprise: and the clients submit money transfer applications and trade background information, and after the system performs auditing, the clients perform nested purchase and exchange according to the real-time exchange rate, and then successfully remit.

However, this approach tends to make it impossible for the customer to determine the cost of the current remittance of the rennet at the time of the remittance, affect financial position transfer and money use approval, and increase the risk of remittance cost variation due to exchange rate variation.

The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.

Disclosure of Invention

The invention mainly aims to provide a fund transaction method, a device, equipment and a storage medium, which aim to solve the technical problem that a fund transaction scheme in the prior art increases the risk of remittance cost change caused by exchange rate change.

To achieve the above object, the present invention provides a funds transaction method for purchasing a sink, the method comprising the steps of:

receiving a fund transaction request initiated by a user based on a current exchange rate;

obtaining a locking exchange rate according to the fund transaction request and the current exchange rate, and generating a non-real-time collection and sales commission based on the locking exchange rate;

receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission;

and remitting the purchase currency corresponding to the remittance line to a target account according to the transaction signing request.

Optionally, the step of receiving a transaction subscription request of the user and obtaining the remittance line of the non-real-time collection and sales commission based on the transaction subscription request and the non-real-time collection and sales commission includes:

receiving a transaction signing request of a user, and performing transaction auditing on the transaction signing request;

and when the auditing passes, obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission.

Optionally, the request information of the transaction subscription request includes: transaction information and association information;

and when the auditing is passed, the step of obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission comprises the following steps:

when the verification passes, the transaction information is associated with the non-real-time sales collection commission based on the association information of the transaction signing request, so that an association relation is obtained;

obtaining the transaction information according to the association relation;

and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission.

Optionally, the step of obtaining the remittance amount of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission includes:

determining the delivery time of the non-real-time junction sales collection commission and a target account according to the transaction information;

obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission;

correspondingly, the step of remitting the purchase and remittance currency corresponding to the remittance line to the target account according to the transaction signing request comprises the following steps:

temporarily delivering the non-real-time junction sales commission at the delivery time;

and remittance of the purchased remittance currency corresponding to the remittance amount to the target account.

Optionally, after the step of remitting the purchased currency corresponding to the remittance line to the target account, the method further includes:

generating a collecting and outputting processing result when the non-real-time collecting and outputting commission delivery is completed;

when the remittance is successful, carrying out the remittance check according to the remittance processing result;

and when the verification passes, updating the service state of the non-real-time junction sales collection commission to be a successful state.

Optionally, after the step of updating the service status of the non-real-time sales collection commission to a successful status according to the collection success information when the verification passes, the method further includes:

and recording the consignment information of the non-real-time consignment of the successful state, and storing the consignment information into a database.

Optionally, after the step of generating the non-real-time junction sales collection commission based on the locking exchange rate, the method further includes:

setting the effective period of the non-real-time junction sales collection commission;

and if the transaction signing request of the user is not received within the effective period, marking the non-real-time junction and sale collection entrustment as an overdue state.

In addition, in order to achieve the above object, the present invention also provides a funds transaction apparatus, including:

the collection and sales module is used for receiving a fund transaction request initiated by a user based on the current exchange rate;

the collection and sales module is further used for obtaining a locking exchange rate according to the fund transaction request and the current exchange rate and generating a non-real-time collection and sales commission based on the locking exchange rate;

the remittance module is used for receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sale remittance based on the transaction signing request and the non-real-time collection and sale remittance commission;

and the remittance module is also used for remittance the purchased remittance currency corresponding to the remittance amount to a target account according to the transaction signing request.

In addition, to achieve the above object, the present invention also proposes a funds transaction apparatus, the apparatus comprising: a memory, a processor, and a funds transaction program stored on the memory and executable on the processor, the funds transaction program configured to implement the steps of the funds transaction method as described above.

In addition, to achieve the above object, the present invention also proposes a storage medium having stored thereon a funds transaction program which, when executed by a processor, implements the steps of the funds transaction method as described above.

The invention receives a fund transaction request initiated by a user based on the current exchange rate; obtaining a locking exchange rate according to the fund transaction request and the current exchange rate, and generating a non-real-time sales collection commission based on the locking exchange rate; receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission; and remitting the purchased remittance currency corresponding to the remittance amount to the target account according to the transaction signing request. The exchange rate locking is carried out according to the fund transaction request initiated by the user based on the current exchange rate, and the non-real-time junction selling and exchange entrusting is carried out according to the locked exchange rate, so that the user can clearly remittance time and remittance cost according to the fund transaction request, the risk of remittance cost fluctuation caused by exchange rate fluctuation is reduced, and the use experience of the user is improved.

Drawings

FIG. 1 is a schematic diagram of a funds transaction device of a hardware operating environment in accordance with an embodiment of the invention;

FIG. 2 is a flow chart of a first embodiment of the funds transaction method of the present invention;

FIG. 3 is a flow chart of a second embodiment of the funds transaction method of the present invention;

FIG. 4 is a flow chart of an application scenario of the funds transaction method of the present invention;

fig. 5 is a block diagram of a first embodiment of a funds transaction device according to the present invention.

The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.

Detailed Description

It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.

Referring to fig. 1, fig. 1 is a schematic diagram of a funds transaction device in a hardware operating environment according to an embodiment of the invention.

As shown in fig. 1, the funds transaction device may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a Wireless interface (e.g., a Wireless-Fidelity (Wi-Fi) interface). The Memory 1005 may be a high-speed random access Memory (Random Access Memory, RAM) or a stable nonvolatile Memory (NVM), such as a disk Memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.

Those skilled in the art will appreciate that the configuration shown in fig. 1 is not limiting of the funds transaction apparatus and may include more or fewer components than shown, or may combine certain components, or may be arranged in different components.

As shown in fig. 1, an operating system, a network communication module, a user interface module, and a funds transaction program may be included in the memory 1005 as one type of storage medium.

In the funds transaction apparatus shown in fig. 1, the network interface 1004 is primarily used for data communication with a network server; the user interface 1003 is mainly used for data interaction with a user; the processor 1001 and the memory 1005 in the funds transaction apparatus of the present invention may be disposed in the funds transaction apparatus, and the funds transaction apparatus invokes the funds transaction program stored in the memory 1005 through the processor 1001 and executes the funds transaction method provided by the embodiment of the present invention.

An embodiment of the present invention provides a funds transaction method, which is used for purchasing a sink, and referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the funds transaction method of the present invention.

In this embodiment, the funds transaction method includes the steps of:

step S10: a funds transaction request initiated by a user based on a current exchange rate is received.

It should be noted that, the execution body of the method of this embodiment may be a terminal device having functions of data processing, date query, and program running, such as a computer, a server, etc., or may be an electronic device having the same or similar functions, such as the above-mentioned funds transaction device. This embodiment and the following embodiments will be described with reference to a funds transaction apparatus.

It will be appreciated that there is provided in the funds transaction device a tie-up module which may be used to interact with the user, the tie-up module being a system for managing and monitoring the buying, selling and exchange of currency in international trade or capital flow. The tie-up module, as part of a bank or financial institution, may be used to process cross-border transactions for individuals or businesses.

It should be appreciated that the tie-up module may provide a foreign exchange marketing service to users, enabling individuals and businesses to purchase the desired foreign currency for international trade or investment; the exchange module can also provide foreign exchange service for users, so that one currency is exchanged for another currency, and enterprises can perform fund dispatching and payment among different countries; the tie-in module may also be used to monitor capital flows, ensuring stability and safety of the financial market.

It can be understood that the above-mentioned fund transaction request is a purchase request initiated by the user based on the purchase sink locking module of the user terminal to the purchase sink module of the fund transaction device. The purchase collection price locking module can provide a visual information filling interface for the user so that the user can fill in purchase collection information.

It should be noted that, the user terminal is a transaction device terminal of a user, and a software application for performing funds transaction may be installed on the user terminal, so that the user may request services from the funds transaction device through the software application, and the purchase-sink price locking module is one of the functional modules of the software application. The software application may be transaction software such as internet banking, enterprise APP, etc. that may be used to perform online transactions, and the user terminal may be a terminal device such as a personal computer, an enterprise computer, a server, etc., which is not limited in this embodiment.

It should be understood that the purchase-sink price locking module can acquire purchase-sink information filled by a user, generate a fund transaction request according to the purchase-sink information and the current exchange rate, and send the generated fund transaction request to the collection-selling module, so that the problem that a customer cannot determine the cost of remitting the RMB when submitting remittance, and the position allocation and the money use approval of finance are affected is avoided.

It will be appreciated that the purchase information may include an initial amount, a delivery time, a funding source account, a purchase currency, etc., which is not limited in this embodiment.

It should be appreciated that the current exchange rate may be the current exchange rate between the home currency and the foreign currency, or the current exchange rate between the foreign currency and other foreign currencies, which is not limited in this embodiment.

In particular implementations, a funds transaction device receives a funds transaction request initiated by a user based on a current exchange rate.

Step S20: and obtaining a locking exchange rate according to the fund transaction request and the current exchange rate, and generating a non-real-time sales collection commission based on the locking exchange rate.

It should be noted that, when receiving a fund transaction request initiated by a user based on the purchase-sink price locking module, the collection and sales module of the proxy device may lock the exchange rate based on the fund transaction request and generate a non-real-time collection and sales commission.

It should be appreciated that locking the current exchange rate may result in a locked exchange rate that is not a real-time exchange-selling request, and that exchange-purchasing transactions may be performed at the locked exchange rate, avoiding the risk of exchange cost variations due to exchange rate variations.

It should be noted that, the non-real-time collection and distribution commission refers to that when a customer performs a collection and distribution transaction, the customer chooses to submit a transaction request to a bank or a financial institution in a commission form, rather than immediately execute the transaction. This delegation can allow the customer to perform a tie-in transaction at a particular point in time or upon reaching a particular condition in the future. The embodiment can generate non-real-time transaction commission according to the fund transaction request and the current exchange rate of the user. The corresponding money purchasing amount can be obtained according to the initial amount, the fund source and the locking exchange rate of the user, so that the user subscription request is waited, and after the user subscription, the time for delivery is waited to arrive and the money purchasing operation is executed.

Specifically, the issuing device may generate a non-real-time tie-up purchase and exchange commission for locking the exchange rate according to the current exchange rate and purchase information in the fund transaction request; and transmitting the request information of the real-time collection request to the user terminal.

Step S30: and receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission.

It should be noted that, the user terminal may further include a transaction signing module, and when determining that the non-real-time collection and sale commission is generated, the user may fill in the transaction signing request based on the non-real-time collection and sale commission based on the visual display interface provided by the transaction signing module.

It is understood that the proxy device may determine the amount of the non-real-time sales collection delegate and the target account according to the transaction subscription request.

It should be appreciated that the user selected fund source and initial amount are converted to the amount of the transfer of the purchased currency based on the locking rate, thereby enabling the amount of transfer to be obtained based on the locking rate.

In a specific implementation, the funds transaction device receives a transaction subscription request of a user, and obtains an amount of the non-real-time point-of-sale and exchange delegate based on the transaction subscription request and the non-real-time point-of-sale and exchange delegate.

Step S40: and remitting the purchase currency corresponding to the remittance line to a target account according to the transaction signing request.

It can be appreciated that when the user confirms the subscription, the foreign exchange corresponding to the exchange amount can be exported to the target account according to the transaction subscription request of the user.

It should be appreciated that the sink currency is the currency determined from the user's request for funds transactions, i.e., the sink currency selected by the user. The target account, i.e., the account selected by the user, may be a funding source account or another account, which is not limited in this embodiment.

In a specific implementation, the funds transaction device remits the purchased and remitted currency corresponding to the remitted amount to the target account according to the transaction subscription request.

The embodiment receives a fund transaction request initiated by a user based on the current exchange rate; obtaining a locking exchange rate according to the fund transaction request and the current exchange rate, and generating a non-real-time sales collection commission based on the locking exchange rate; receiving a transaction signing request of a user, and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission; and remitting the purchased remittance currency corresponding to the remittance amount to the target account according to the transaction signing request. The exchange rate locking is carried out according to the fund transaction request initiated by the user based on the current exchange rate, and the non-real-time junction selling and exchange entrusting is carried out according to the locked exchange rate, so that the user can clearly remittance time and remittance cost according to the fund transaction request, the risk of remittance cost fluctuation caused by exchange rate fluctuation is reduced, and the use experience of the user is improved.

Further, in order to audit the request of the user, the step of receiving the transaction subscription request of the user and obtaining the remittance amount of the non-real-time collection and distribution commission based on the transaction subscription request and the non-real-time collection and distribution commission includes:

The transaction subscription request may include information that may be used to identify the identity of the user and the account password, such as identity information and password information of the user.

It will be appreciated that, when the user determines a subscription, a transaction audit should be performed on the user's transaction request in order to verify the user's identity information. Specifically, the transaction auditing can include identity auditing, and an auditing module can be further arranged in the fund transaction equipment, and can acquire a transaction signing request initiated by a user for auditing, so that the remittance limit is obtained when the auditing passes.

It should be noted that, the above-mentioned identity verification may be based on the identity verification performed by the CFCA verification service interface, or may be performed by other means, which is not limited in this embodiment.

It should be explained that the CFCA verification service interface is an identity verification service interface provided by the chinese financial authentication center (China Financial Certification Authority, abbreviated as CFCA). The CFCA verification service interface may be used to verify the validity of the user's identity information and digital certificates. It can provide the functions of identity authentication, digital certificate verification, electronic signature verification, etc.

It can be understood that when the transaction subscription request of the user passes, the non-real-time collection and sales commission subscription success can be described, and at this time, the non-real-time collection and sales commission can be executed to send the corresponding collection currency amount to the target account. Specifically, the funds transaction device may perform a non-real-time collection commission subscription when the audit passes and calculate the amount of the collection based on the initial amount, the source of the funds, and the locking exchange rate.

In a specific implementation, the fund transaction equipment receives a transaction signing request of a user and performs transaction auditing on the transaction signing request; and when the auditing is passed, obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission.

In the embodiment, when a transaction signing request of a user is received, transaction auditing is performed on the transaction signing request, and when the auditing passes, signing is performed with non-real-time collection commission, and the collection currency corresponding to the collection amount is collected to a target account. The safety of the fund transaction is improved, and the rights and interests of the user are guaranteed.

Further, after the step of generating the non-real-time junction sales collection commission based on the locking exchange rate, the method further includes: setting the effective period of the non-real-time junction sales collection commission; and if the transaction signing request of the user is not received within the effective period, marking the non-real-time junction and sale collection entrustment as an overdue state.

It will be appreciated that upon generation of the non-real-time tie-up purchase order, the funds transaction device may set the expiration date of the non-real-time tie-up purchase order to limit the user's locking rate time limit.

It should be appreciated that if the user's transaction subscription request is not received within the expiration period, it may be stated that the user is not temporarily required to perform the purchase transaction, the non-real-time collection and sale commission may be marked as an expiration state, and the non-real-time collection and sale commission corresponding to the expiration state may be discarded, thereby further optimizing the business logic.

When the user needs to initiate the fund transaction request, the discarded expired non-real-time junction sales collection commission can be selected, and the exchange rate locking is performed again based on the purchase information in the discarded expired non-real-time junction sales collection commission and the current exchange rate of the current time, so that the new non-real-time junction sales collection commission is obtained, the user does not need to refill the purchase information, and the use experience of the user is improved.

In a specific implementation, the funds transaction device sets a validity period of a non-real-time collection commission; and if the transaction signing request of the user is not received within the valid period, marking the non-real-time junction and sale collection commission as an expiration state.

It should be understood that the validity period may be set to one, two or three days, and the present embodiment does not limit the specific days of the validity period.

In one implementation, the validity period is the same as the delivery time, and when the delivery time arrives, if the transaction signing request of the user is not received, the non-real-time junction and collection commission is marked as an expiration state.

The embodiment sets the effective period of the non-real-time junction selling and collecting commission; and if the transaction signing request of the user is not received within the valid period, marking the non-real-time junction and sale collection commission as an expiration state. The expiration date of the transaction signing request is judged, so that the business logic of the fund transaction is further optimized, and the storage space is saved.

Referring to fig. 3, fig. 3 is a flow chart illustrating a second embodiment of the funds transaction method according to the present invention.

Based on the first embodiment, in this embodiment, the request information of the transaction subscription request includes: transaction information and association information; and when the auditing is passed, the step of obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction signing request and the non-real-time collection and sales commission comprises the following steps:

step S321: when the verification passes, the transaction information is associated with the non-real-time sales collection commission based on the association information of the transaction signing request, so that an association relation is obtained;

step S322: obtaining the transaction information according to the association relation;

step S323: and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission.

When the verification is passed, the verification is equivalent to successful subscription of the non-real-time junction sales collection commission. The embodiment does not limit the sequence of the auditing and association steps, and can be firstly audited, and the association is carried out according to the non-real-time junction selling and gathering commission and the transaction information after the auditing is passed, or can be carried out after the association.

It should be appreciated that a user may initiate multiple requests for funds transactions simultaneously, and thus, multiple non-real-time tie-up commitments may also exist in the funds transaction device. The association information is information which can be used for representing association between transaction information and non-real-time collection and sales commission, and according to the association information, the fund transaction equipment can establish association between the transaction information and the corresponding non-real-time collection and sales commission so as to execute the corresponding non-real-time collection and sales commission. Specifically, when the remittance module obtains the transaction signing request, the association relation between the non-real-time sales collection commission and the transaction information is established according to the association information, and the commission information of the non-real-time sales collection commission is obtained, so that the remittance amount and the delivery time are determined.

It should be noted that, the remittance and remittance module of the fund device may determine transaction information according to the association relationship, determine a non-real-time collection and remittance to be executed, and remittance the purchase currency corresponding to the remittance amount to the target account.

It should be explained that the transaction information may include subscription information of the user, audit passing information of the audit module, and the like, which is not limited in this embodiment.

In specific implementation, when the fund transaction equipment passes the audit, the transaction information is associated with a non-real-time sales collection commission based on the association information of the transaction signing request, so as to obtain an association relation; and obtaining transaction information according to the association relation.

Further, in order to determine the money transfer time, the user may freely select the time of transfer in this embodiment. Specifically, the step of obtaining the remittance amount of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission includes:

and determining the delivery time of the non-real-time junction sales collection commission and the target account according to the transaction information.

In this embodiment, the delivery time may be any time within three days, the user determines the delivery time and sends out a request for funds transaction, and the funds transaction device may generate a non-real-time purchase and delivery commission corresponding to the delivery time according to the request for funds transaction.

It can be understood that the funds transaction device may perform a non-real-time purchase-exchange commission subscription according to the transaction information, and obtain the remittance amount and the target account of the purchase currency according to the purchase information after subscription.

It should be appreciated that the funds transaction device may also acquire the date and time and make a non-real-time junction purchase order delivery at the time of delivery.

Note that, the above-mentioned delivery time may be selected by the user, and in this embodiment, the delivery time is any time point after the current time in Day0, day1, and Day 2. Wherein Day0 is today of the current time, day1 is tomorrow of the current time, and Day2 is the following Day of the current time.

In specific implementation, determining the delivery time of the non-real-time junction sales collection commission and the target account according to the transaction information; obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission; temporarily delivering non-real-time junction sales orders at delivery time; and remittance of the purchased currency corresponding to the remittance amount to the target account.

Further, after the step of remitting the purchased remittance corresponding to the remittance line to the target account after the non-real-time collection commission, the method further comprises:

The foregoing collection processing result is a result generated by the collection module according to the commission information of the non-real-time collection commission, where the commission information may include a delivery time, an initial amount, a remittance amount, and the like, which is not limited in this embodiment.

It can be understood that the remittance module can perform information remittance check according to remittance information and retrieval processing results when the remittance is successful, and send service success information to the collection module when the check is passed, and the collection module can update the corresponding service state of the non-real-time collection and sales commission into a success state.

It should be appreciated that the traffic states of the non-real-time junction sales commission described above may include a successful state and an abnormal state. The successful state refers to successful remittance and the abnormal state includes remittance failure or abnormal remittance amount. When the service state is abnormal, the abnormal reason can be detected, and corresponding processing can be carried out according to the abnormal reason.

In a specific implementation, the funds transaction device generates a pick-up processing result when the non-real-time pick-up commission delivery is completed; when the remittance is successful, carrying out the remittance check according to the remittance processing result; and when the verification passes, updating the service state of the non-real-time junction sales collection commission to be a successful state.

Further, in order to record and store the executed non-real-time collection and sale request, after the step of updating the service state of the non-real-time collection and sale request to a successful state according to the successful information of the collection when the verification passes, the method further comprises: and recording the consignment information of the non-real-time consignment of the successful state, and storing the consignment information into a database.

In the embodiment, the association relation between the transaction information and the non-real-time purchase and exchange commission is established through the association information, so that the user finishes the binding of the commission and the transaction, the flow of fund processing is defined, and the business logic is optimized.

Referring to fig. 4, fig. 4 is a flowchart of an application scenario of the funds transaction method of the present invention.

As shown in FIG. 4, in one implementation, a funds transaction device is connected to a user terminal, the funds transaction device including a remittance module, an audit module, and a collection and sales module.

The user terminal can send a fund transaction request to the collection and sales module, and the collection and sales module can lock the exchange rate according to the fund transaction request initiated by the user and generate a non-real-time collection and sales commission, and meanwhile, the commission information is transmitted back to the user terminal.

The user can initiate a transaction signing request according to the entrusting information based on the user terminal; the remittance module can acquire the commission information of the collection module according to the transaction signing request initiated by the user, establish the association relation between the transaction information and the non-real-time collection commission according to the commission information and the association information, and simultaneously send the transaction signing request to the auditing module and send the auditing request.

And when the auditing module audits to pass, the signing completion information can be sent to the collecting and selling module so as to complete signing of the non-real-time collecting and selling commission. And when the signing is completed, waiting for a delivery day selected by the user to come, and sending a money transfer instruction to the money transfer module by the money transfer module when the delivery day comes, so that the money transfer module transfers money to the target account. In addition, the collecting and selling module can also send a collecting and remitting processing result to the remitting and remitting module, the remitting and remitting module can check according to the remitting information and the collecting and remitting processing result, and when the remitting is successful, a service success message is sent to the collecting and selling module, so that the collecting and selling module updates the service state of the non-real-time collecting and selling commission into a success state.

In addition, the embodiment of the invention also provides a storage medium, wherein a fund transaction program is stored on the storage medium, and the fund transaction program realizes the steps of the fund transaction method when being executed by a processor.

Based on the first embodiment of the funds transaction method of the present invention, a first embodiment of the funds transaction device of the present invention is provided, and referring to fig. 5, fig. 5 is a block diagram of the first embodiment of the funds transaction device of the present invention.

As shown in fig. 5, a funds transaction apparatus according to an embodiment of the present invention includes:

a collection module 501 for receiving a funds transaction request initiated by a user based on a current exchange rate;

the sales collection module 501 is further configured to obtain a locked exchange rate according to the fund transaction request and the current exchange rate, and generate a non-real-time sales collection commission based on the locked exchange rate;

a remittance and remittance module 502, configured to receive a transaction subscription request of a user, and obtain an remittance line of a non-real-time collection and sales commission based on the transaction subscription request and the non-real-time collection and remittance commission;

the remittance module 502 is further configured to remit the purchased remittance currency corresponding to the remittance line to a target account according to the transaction subscription request.

Further, the funds transaction apparatus further comprises: the auditing module is used for receiving the transaction signing request of the user and conducting transaction auditing on the transaction signing request;

the remittance module 502 is further configured to obtain, when the audit passes, a remittance line of the non-real-time collection and sale delegate based on the transaction appointment request and the non-real-time collection and sale delegate.

Further, the junction selling module 501 is further configured to set a validity period of the non-real-time junction selling request; and if the transaction signing request of the user is not received within the effective period, marking the non-real-time junction and sale collection entrustment as an overdue state.

Based on the first embodiment of the funds transaction device of the invention described above, a second embodiment of the funds transaction device of the invention is presented.

In this embodiment, the sales collection module 501 is further configured to associate the transaction information with the non-real-time sales collection commission based on the association information of the transaction subscription request when the audit passes, so as to obtain an association relationship; obtaining the transaction information according to the association relation; and obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission.

Further, the collection module 501 is further configured to determine a delivery time and a target account of the non-real-time collection commission according to the transaction information; obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction information and the non-real-time collection and sales commission; temporarily delivering the non-real-time junction sales commission at the delivery time; and remittance of the purchased remittance currency corresponding to the remittance amount to the target account.

Further, the junction and collection module 501 is further configured to generate a pick-and-collect processing result when the non-real-time junction and collection commission delivery is completed, and send the pick-and-collect processing result to the remittance and collection module 502;

the remittance module 502 is further configured to perform remittance verification according to the remittance processing result when remittance is successful; when the verification passes, sending a service success message to the junction and sales exchange module 501;

the sales collection module 501 is further configured to update the service status of the non-real-time sales collection commission to a successful status.

Further, the sales collection module 501 is further configured to record the delegation information of the non-real-time sales collection delegation in a successful state, and store the delegation information in a database.

Other embodiments or specific implementations of the funds transaction device of the present invention may refer to the above-mentioned embodiments of the method, and will not be described herein.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. read-only memory/random-access memory, magnetic disk, optical disk), comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.

The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.

Claims

1. A method of funds transaction for conducting a purchase, the method comprising:

2. The funds transaction method of claim 1, wherein the receiving a transaction subscription request of a user, the step of obtaining the remittance limit of the non-real-time collection and sales commission based on the transaction appointment request and the non-real-time collection and sales commission comprises the following steps:

3. A funds transaction method according to claim 2, wherein the request information of the transaction subscription request includes: transaction information and association information;

obtaining the transaction information according to the association relation;

4. The funds transaction method of claim 3, wherein the step of obtaining the amount of the non-real-time tie-up credit based on the transaction information and the non-real-time tie-up credit comprises:

5. The funds transaction method of claim 4, wherein after the step of remitting the purchased currency corresponding to the remittance line to the target account, further comprising:

6. The funds transaction method of claim 5, wherein after the step of updating the business status of the non-real-time junction sales sink delegate to a successful status based on the sink success information when the verification passes, further comprising:

7. The funds transaction method of any of claims 1-6, wherein after the step of generating a non-real-time junction purchase order based on the locking exchange rate, further comprising:

8. A funds transaction device, the device comprising:

9. A funds transaction apparatus, the apparatus comprising: a memory, a processor and a funds transaction program stored on the memory and executable on the processor, the funds transaction program configured to implement the steps of the funds transaction method of any of claims 1 to 7.

10. A storage medium having stored thereon a funds transaction program which when executed by a processor performs the steps of the funds transaction method of any of claims 1 to 7.