WO2021208759A1

WO2021208759A1 - Remittance based on electronic wallet

Info

Publication number: WO2021208759A1
Application number: PCT/CN2021/085197
Authority: WO
Inventors: 孙健康; 孙灵奡; 彭涛
Original assignee: 支付宝实验室(新加坡)有限公司
Priority date: 2020-04-15
Filing date: 2021-04-02
Publication date: 2021-10-21
Also published as: TWI804830B; TW202209209A; CN113537974A

Abstract

Disclosed is a remittance method based on an electronic wallet. The method comprises: obtaining electronic wallet account information of a payee, and generating remittance order data comprising the electronic wallet account information; sending the remittance order data to an electronic wallet server corresponding to the electronic wallet account information to enable the electronic wallet server to determine a collection request comprising the remittance order data, and sending the collection request to a collection server; receiving collection information comprising the remittance order data sent by the collection server, and remitting money to the collection server according to the collection information, wherein the collection information is generated by the collection server according to the received collection request. The present solution avoids the cumbersome operation of inputting a remittance code of the payee, and achieves one-click collection.

Description

Remittance based on e-wallet

Technical field

This application relates to the field of computer technology, and in particular to an electronic wallet-based remittance method, system and electronic equipment.

Background technique

Remittances are generally completed by the remittance service company (usually a financial institution or a licensed institution) through the APP or the counter of a financial institution, similar to overseas remittance companies such as Western Union and MoneyGram. When the remitter makes a remittance, the remittance financial institution generally provides a remittance code withdrawal scheme for the beneficiary to withdraw the money after the remittance order is generated.

Summary of the invention

In view of this, the embodiments of this specification provide an electronic wallet-based remittance method, system, and electronic device, so as to avoid the tedious operation of inputting the remittance code of the beneficiary, and achieve the purpose of one-click remittance.

The embodiments of this specification adopt the following technical solutions:

The embodiment of this specification provides an electronic wallet-based remittance method. The method includes: obtaining the e-wallet account information of the payee, and generating remittance order data including the e-wallet account information; and converting the remittance order data Sent to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines the collection request containing the remittance order data, and sends the collection request to the collection server; receiving the collection The payment server sends the payment information including the remittance order data, and remits the payment to the payment server according to the payment information; wherein, the payment information is the payment request received by the payment server according to the payment information. Generated.

The embodiment of this specification also provides an electronic wallet-based remittance method, the method includes: receiving the remittance order data sent by the remittance server; wherein the remittance order data includes the e-wallet account information of the payee; The remittance order data determines the corresponding e-wallet account registered in the e-wallet server, and sends a collection notice to the login terminal of the e-wallet account; receiving feedback information from the login terminal on the collection notice, according to the The feedback information determines the payment request including the remittance order data, and sends the payment request to the payment server, so that the payment server collects the payment from the remittance server.

The embodiment of the specification also provides an electronic device, including at least one processing and memory. The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the above-mentioned remittance method.

The embodiments of the present specification also provide a computer-readable storage medium that stores computer-executable instructions, and the computer-executable instructions implement the above-mentioned remittance method when executed by a processor.

The embodiment of the present specification also provides a remittance system based on an electronic wallet, the system includes: a remittance server for obtaining the e-wallet account information of the beneficiary, and generating remittance order data containing the e-wallet account information, And sending the remittance order data to the e-wallet server corresponding to the e-wallet account information; the e-wallet server is used to receive the remittance order data sent by the remittance server, and to determine a collection request containing the remittance order data , And sending the payment request to the payment server; the payment server is configured to receive payment from the remittance server according to the payment information.

The above-mentioned at least one technical solution adopted in the embodiment of the application can achieve the following beneficial effects: the solution of the application associates the remittance order with the electronic wallet account through the electronic wallet server, and then pushes it to the terminal device logging in the electronic wallet account, eliminating the need to receive payment The cumbersome operation of entering the remittance code of the party realizes one-click collection. Furthermore, this program can also complete the receiving process of KYC/AML, fund remittance, foreign currency exchange, etc. of the payee.

Description of the drawings

In order to more clearly describe the technical solutions in the embodiments of this specification or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only These are some embodiments described in this specification. For those of ordinary skill in the art, without creative labor, other drawings can be obtained from these drawings:

Fig. 1 is a flowchart of a remittance method based on an electronic wallet provided by an embodiment of this specification;

FIG. 2 is a flowchart of a method for remittance based on an electronic wallet provided by an embodiment of this specification;

FIG. 3 is an overall flowchart of a remittance method based on an electronic wallet provided by an embodiment of this specification;

Fig. 4 is a schematic structural diagram of an electronic wallet-based remittance system provided by an embodiment of this specification.

Detailed ways

This solution provides a technical solution that can support the direct collection of electronic wallets. In order to enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of this specification in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments of this specification, all other embodiments obtained by a person of ordinary skill in the art without creative work shall fall within the protection scope of this application.

Fig. 1 is a flowchart of a remittance method based on an electronic wallet provided by an embodiment of this specification. The method includes:

S110: Obtain the electronic wallet account information of the payee, and generate remittance order data including the electronic wallet account information.

In this step, the execution subject may be a remittance server (such as a cloud server of an overseas financial institution). The e-wallet account information of the beneficiary can be filled in by the remitter through the corresponding APP installed on the terminal (such as the APP provided by the remittance service agency), and then the e-wallet account information is sent to the remittance server through the APP ; It is also possible for the remittance party to directly input the electronic wallet account information to the remittance server through the remittance service agency (such as the offline branch of the remittance service agency), which is not limited in the embodiment of this specification.

In this step, after obtaining the e-wallet account information of the payee, the remittance server generates remittance order data including the e-wallet account information according to the e-wallet account information. As an example, the remittance order data may include payer information, payee information, and remittance code. Among them, the remittance code can be generated by the remittance server to identify the remittance information this time.

S120: Send the remittance order data to the e-wallet server corresponding to the e-wallet account information, so that the e-wallet server determines the remittance request containing the remittance order data, and sends the remittance request to Collection server.

In this step, the electronic wallet server is used to provide electronic wallet services, and the electronic wallet server stores the electronic wallet account information of different registered users. The e-wallet server determines the receipt request containing the remittance order data, specifically including: the e-wallet server determines the corresponding e-wallet account registered in the e-wallet server according to the remittance order data, and sends it to the login terminal of the e-wallet account (the login terminal is The terminal device logging in the corresponding electronic wallet account) sends a payment notification; then, the electronic wallet server receives the feedback information of the login terminal for the payment notification, and determines the payment request containing the remittance order data according to the feedback information.

Specifically, after the e-wallet server receives the remittance order data, the e-wallet server obtains the e-wallet account included in the remittance order data, and then associates the remittance order data with the corresponding e-wallet account registered in the e-wallet server , Determine the corresponding e-wallet account registered in the e-wallet server, and then send a payment notification to the login terminal of the e-wallet account. Wherein, the login terminal may be a mobile phone, tablet, computer, etc. used by the payee. Taking a mobile phone as an example, the payee can use the APP installed on the mobile phone to log in to the e-wallet account. The e-wallet account is the e-wallet account filled in by the remitter during the remittance operation.

In this step, the collection server may be a cloud server of a domestic financial institution. After the payee receives the payment notification through the APP installed on the mobile phone, since the e-wallet server has been associated with the payee’s e-wallet account and the remittance order, the receiver does not need to fill in the relevant information again, that is, after receiving the payment After the payment notification, you can directly initiate the payment collection operation. That is, the mobile phone APP sends a collection request to the electronic wallet server, and after receiving the collection request, the electronic wallet server sends the collection request to the collection server. In this way, the cumbersome operation of inputting the remittance code of the payee is eliminated, and one-click collection is realized.

S130: Receive payment information including the remittance order data sent by the payment server, and send money to the payment server according to the payment information.

In this step, after receiving the payment request, the payment server can receive payment from the remittance server. Specifically, the collection server obtains the collection information including the remittance order data according to the collection request, and sends the collection information to the remittance server. After receiving the collection information, the remittance server sends the collection information according to the collection information. The server performs the remittance.

Further, after receiving the remittance from the remittance server, the remittance server remits the remittance amount to the electronic wallet account associated with the remittance order data to complete the remittance operation. Then, the remittance server sends the remittance result to the electronic wallet server, and the electronic wallet server sends the remittance result to the login terminal of the electronic wallet account.

In a feasible solution, in the above remittance method, the remittance order data including the e-wallet account of the payee may only include the remittance code. In other words, after the remittance server generates the remittance code, it can only transmit the e-wallet account and remittance code data, and the receiving server can directly confirm the remittance information through the remittance code, such as the remittance party information, the beneficiary information, and the remittance amount, etc. Complete the remittance operation.

As an example, after receiving the remittance from the remittance server, the remittance server may also remit the remittance amount, and then remit the remittance amount after the remittance to the corresponding electronic wallet account.

As an example, when the e-wallet server sends the remittance result returned by the remittance server to the login terminal of the e-wallet account, it can also remit the remittance amount included in the remittance result, and then send the remittance result after the remittance to the e-wallet The login terminal of the account. For example, if the remittance result is "XXX USD has been remitted", the e-wallet server will convert the remittance amount into equivalent RMB according to the corresponding exchange rate, and then send the remittance result "remitted XXX RMB" to the login of the e-wallet account Terminal Equipment. In addition, the e-wallet account of the payee may also have both a U.S. dollar account and a RMB account, which is not limited in the embodiment of this description.

The above method is a remittance method with a remittance server as the execution subject. The embodiment of this specification also provides an electronic wallet-based remittance method. FIG. 2 is a flowchart of the electronic wallet-based remittance method provided by this embodiment of the specification. The method includes:

S210: Receive the remittance order data sent by the remittance server; wherein the remittance order data includes the e-wallet account information of the payee.

In this step, the execution subject is an electronic wallet server, which is used to provide electronic wallet services, and the electronic wallet server stores electronic wallet account information of different registered users. Wherein, the remittance order data is the remittance order data including the e-wallet account generated by the remittance server (such as the cloud server of an overseas financial institution) according to the received e-wallet account information of the beneficiary. The remittance order data may include the information of the payer, the information of the payee, and the remittance code. The remittance code can be generated by the remittance server and used to identify the remittance information this time.

In this step, the e-wallet account of the beneficiary can be filled in by the remitter through the corresponding APP installed on the terminal (such as the APP provided by the remittance service agency), and then the e-wallet account information can be transferred through the APP Send to the remittance server; the remitter can also directly input the electronic wallet account information to the remittance server through the remittance service agency (such as the offline branch of the remittance service agency), which is not limited in the embodiment of this specification.

S220: Determine the corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and send a payment notification to the login terminal of the electronic wallet account.

In this step, after the e-wallet server receives the remittance order data, the e-wallet server obtains the e-wallet account included in the remittance order data, and then compares the remittance order data with the corresponding e-wallet account registered in the e-wallet server Associate to determine the corresponding e-wallet account registered in the e-wallet server, and then send a payment notification to the login terminal of the e-wallet account. Wherein, the login terminal may be a mobile phone, tablet, computer, etc. used by the payee. Taking a mobile phone as an example, the payee can use the APP installed on the mobile phone to log in to the e-wallet account. The e-wallet account is the e-wallet account filled in by the remitter during the remittance operation.

S230: Receive feedback information from the login terminal for the payment notification, determine a payment request containing the remittance order data according to the feedback information, and send the payment request to the payment server so that the The receiving server receives money from the remittance server.

In this step, after the payee receives the payment notification through the APP installed on the mobile phone, since the e-wallet server has been associated with the payee's e-wallet account and the remittance order, the receiver does not need to fill in relevant information, that is After receiving the payment notification, you can directly initiate a payment operation. That is to say, send a collection request to the e-wallet server through the mobile phone APP. After receiving the payment request, the electronic wallet server sends the payment request to the payment server. In this way, the cumbersome operation of inputting the remittance code of the payee is eliminated, and one-click collection is realized.

The collection server may be a cloud server of a domestic financial institution. After receiving the collection request, the collection server can collect money from the remittance server. Specifically, the collection server obtains the collection information including the remittance order data according to the collection request, and sends the collection information to the remittance server. After receiving the collection information, the remittance server sends the collection information according to the collection information. The server performs the remittance. After receiving the remittance from the remittance server, the receiving server remits money to the electronic wallet account associated with the remittance order data to complete the remittance operation. Then, the remittance server sends the remittance result to the electronic wallet server, and the electronic wallet server sends the remittance result to the login terminal of the electronic wallet account.

The specific solution of the embodiment of the present specification will be further described below in conjunction with FIG. 3. Referring to Fig. 3, Fig. 3 is an overall flow chart of an electronic wallet-based remittance method provided by an embodiment of this specification. The overall flow of the remittance method in the embodiment of this specification is as follows:

S310: The remittance server obtains the e-wallet account information of the payee, and generates remittance order data including the e-wallet account information;

S320: The remittance server sends the remittance order data to the electronic wallet server;

S330: The electronic wallet server receives the remittance order data sent by the remittance server;

S340: The electronic wallet server determines the corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sends a payment notification to the login terminal of the electronic wallet account;

S350: The electronic wallet server receives the feedback information of the login terminal for the payment notification, determines the payment request containing the remittance order data according to the feedback information, and sends the payment request to the payment server;

S360: The collection server obtains collection information including the remittance order data according to the collection request, and sends the collection information to the remittance server for collection;

S370: The remittance server sends money to the remittance server according to the remittance information;

S380: The remittance server sends the remittance result to the electronic wallet server;

S390: The electronic wallet server sends the remittance result to the terminal device logging in the electronic wallet account.

Further, the receiving server remits the received remittance amount, and remits the remittance amount after the remittance into the electronic wallet account to complete the remittance operation.

For more specific descriptions of the above steps S310-390, please refer to the above, and will not be repeated here.

The remittance system provided in this manual not only eliminates the cumbersome operation of inputting the remittance code of the recipient, but also realizes one-click collection; it can also complete the recipient’s KYC (Know your customer)/AML (anti-money laundering) and funds Receiving procedures such as remittance and foreign currency exchange.

Among them, the KYC (Know your customer, that is, fully understand your customer) policy is to strengthen the review of account holders, and is the institutional basis for AML (anti-money laundering) to prevent corruption, which is conducive to understanding the legitimacy of the source of funds.

Based on the same idea, an embodiment of this specification also provides an electronic device, including: at least one processing and a memory; the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor. The processor executes, so that the at least one processor can execute the above-mentioned remittance method.

Based on the same idea, the embodiments of this specification also provide a computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are executed by a processor to implement the above-mentioned remittance method

Based on the same idea, the embodiment of this specification also provides a remittance system based on an electronic wallet. Fig. 4 is a schematic structural diagram of an electronic wallet-based remittance system provided by an embodiment of this specification. As shown in Figure 4, the system includes: a remittance server 401, an electronic wallet server 402, and a payment server 403;

The remittance server 401 is used to obtain the e-wallet account information of the payee, and generate remittance order data including the e-wallet account information, and send the remittance order data to the e-wallet server 402 corresponding to the e-wallet account information .

The electronic wallet service 402 is used to receive the remittance order data sent by the remittance server 401, determine the remittance request containing the remittance order data, and send the remittance request to the remittance server 403.

The payment server 403 is configured to receive payment from the remittance server 401 according to the payment information.

Further, the remittance system also includes a login terminal 404 used to log in to an electronic wallet account. The e-wallet server 402 determines the collection request containing the remittance order data, specifically including: the e-wallet server 402 determines the corresponding e-wallet account registered in the e-wallet server 402 according to the remittance order data, and sends the collection to the login terminal 404 Notification; receive the feedback information of the login terminal 404 for the payment notification, and determine the payment request containing the remittance order data according to the feedback information.

Further, the remittance server 401 is also used to send the remittance result to the e-wallet server 402 after the remittance server 403; the e-wallet server 402 is also used to remit the remittance included in the remittance result to transfer the remittance The result of the remittance is sent to the login terminal 404.

Further, the receiving server 403 is also used to exchange the received remittance amount after receiving the money from the remittance server 401, and remit the remittance amount after the exchange to the corresponding electronic wallet account.

Further, the remittance order data includes at least a remittance code.

For more detailed implementation of the remittance system based on the electronic wallet, please refer to the description of the remittance method above, which will not be repeated here.

The specific embodiments of this specification have been described above, and other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily have to be in the specific order or sequential order shown in order to achieve the desired result. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the difference from other embodiments. In particular, for the device, equipment, and non-volatile computer-readable storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiments.

The apparatus, equipment, non-volatile computer-readable storage medium, and method provided in the embodiments of this specification correspond to each other. Therefore, the apparatus, equipment, and non-volatile computer storage medium also have beneficial technical effects similar to the corresponding method. The beneficial technical effects of the method have been described in detail above, therefore, the beneficial technical effects of the corresponding device, equipment, and non-volatile computer storage medium will not be repeated here.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a PLD without requiring the chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one HDL, but many, such as ABEL (Advanced Boolean Expression) Language), AHDL (Altera Hardware DescrIP Address Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware DescrIP Address Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Address) Language) and so on, the most commonly used at present are VHDL (Very-High-Speed Integrated Circuit Hardware DescrIP Address Language) and Verilog. It should also be clear to those skilled in the art that just a little bit of logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, MicrochIP addresses PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as a part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded logic. The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, a device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and/or hardware.

Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may adopt the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

This specification is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are used to generate It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

In a typical configuration, the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include non-permanent memory, random access memory (RAM) and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

This specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the difference from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only examples of this specification, and are not intended to limit this application. For those skilled in the art, this application can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included in the scope of the claims of this application.

Claims

A remittance method based on an electronic wallet, the method comprising:

Acquiring the e-wallet account information of the payee, and generating remittance order data including the e-wallet account information;

Send the remittance order data to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines the payment request containing the remittance order data, and sends the payment request to the payment collection server;

Receive the payment information including the remittance order data sent by the payment server, and send money to the payment server according to the payment information; wherein, the payment information is the payment server according to the receipt The collection request was generated.
According to the method of claim 1, the electronic wallet server determining the collection request containing the data of the remittance order specifically includes:

The electronic wallet server determines the corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sends a payment notification to the login terminal of the electronic wallet account;

The electronic wallet server receives feedback information from the login terminal for the payment notification, and determines a payment request containing the remittance order data according to the feedback information.
The method according to claim 2, further comprising:

Sending the remittance result to the electronic wallet server, so that the electronic wallet server sends the remittance result to the login terminal of the electronic wallet account.
The method according to claim 2, after remittance to the remittance server according to the remittance information, the remittance server remits the received remittance amount, and remits the remittance amount after the remittance to the remittance server Electronic wallet account.
According to the method of any one of claims 1 to 4, the remittance order data at least includes a remittance code.
A remittance method based on an electronic wallet, the method comprising:

Receiving the remittance order data sent by the remittance server; wherein the remittance order data includes the e-wallet account information of the payee;

Determine the corresponding e-wallet account registered in the e-wallet server according to the remittance order data, and send a payment notification to the login terminal of the e-wallet account;

Receive the feedback information of the login terminal for the payment notification, determine the payment request containing the remittance order data according to the feedback information, and send the payment request to the payment server, so that the payment The money server receives money from the money transfer server.
The method according to claim 6, further comprising:

Receive the remittance result returned by the remittance server, and send the remittance result to the login terminal of the electronic wallet account.
According to the method of claim 7, sending the remittance result to the login terminal of the electronic wallet account specifically includes:

The remittance amount included in the remittance result is exchanged, so as to send the remittance result after the exchange to the login terminal of the electronic wallet account.
The method according to claim 6, after the receiving server receives money from the remittance server, the receiving server remits the received remittance amount, and remits the remittance amount after the remittance to the electronic Wallet account.
The method according to any one of claims 6 to 9, wherein the remittance order data at least includes a remittance code.
An electronic device, including: at least one processing and storage;

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute any one of claims 1 to 5 or 6 to 10. The remittance method described in item.
A computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, the computer-executable instructions are executed by a processor to achieve any one of claims 1 to 5 or 6 to 10 Remittance method.
A remittance system based on an electronic wallet, the system comprising:

The remittance server is used to obtain the e-wallet account information of the payee, generate remittance order data including the e-wallet account information, and send the remittance order data to the e-wallet server corresponding to the e-wallet account information;

An electronic wallet server, configured to receive the remittance order data sent by the remittance server, determine a remittance request containing the remittance order data, and send the remittance request to the remittance server;

The payment server is configured to receive payment from the remittance server according to the payment information.
The remittance system according to claim 13, further comprising a login terminal for logging in to an electronic wallet account;

The e-wallet server determining the collection request containing the remittance order data specifically includes:

The electronic wallet server determines the corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sends a payment notification to the login terminal; and receives feedback information from the login terminal for the payment notification , According to the feedback information, determine a collection request containing the data of the remittance order.
The remittance system according to claim 14,

The remittance server is further configured to send the remittance result to the electronic wallet server after remittance to the remittance server;

The electronic wallet server is also used to send the received remittance result to the login terminal.
The remittance system according to claim 15, wherein the electronic wallet server sends the received remittance result to the login terminal, which specifically includes:

The electronic wallet server remits the remittance included in the remittance result to send the remittance result after the remittance to the login terminal.
The remittance system according to claim 15, wherein the receiving server is further configured to remit the received remittance amount after receiving the money from the remittance server, and remit the remittance amount after the remittance into the electronic wallet Account.
According to the remittance system according to any one of claims 13 to 17, the remittance order data at least includes a remittance code.