Cross-border payment system and method

Abstract

The invention relates to the technical field of finance and especially relates to a cross-border payment system and a method. The cross-border payment system provided by the invention comprises a payment and clearing system and a clearing account management system, wherein the payment and clearing system is used to transmit cross-border remittance information which is sent by a within-border payment system to the clearing account management system; the clearing account management system is used to examine an available balance of a corresponding remittance clearing account according to the cross-border remittance information and used to reduce the available balance of the remittance clearing account and send examination pass information to the payment and clearing system when the available balance passes the examination; and the payment and clearing system is also used to send a remittance instruction to an overseas payment system according to the examination pass information, so that the overseas payment system can remit money to a corresponding overseas account according to the remittance instruction. In addition, the cross-border payment system can also complete business of remittance from the overseas account to a within-border account. The cross-border payment system can complete cross-border payment transactions of each bank conveniently and rapidly and can provide beneficial conditions for realization of globalized payment.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a cross-border payment system and method. Background technique [0002] With the continuous development of economic globalization, cross-border payment has become a payment method often used by individuals and businesses. At present, some domestic banks have opened cross-border payment systems. The cross-border payment system is a capital transaction system that allows domestic users to remit money with overseas users. However, the current cross-border payment system is only applicable to individual banks for cross-border payment transactions, and a large number of banks cannot open cross-border payment services, which makes it impossible for users of these banks to enjoy cross-border payments directly through these banks that have not opened cross-border payment services. Pay for services. Contents of the invention [0003] In order to facilitate cross-border payment by ...

AI Technical Summary

Problems solved by technology

However, the current cross-border payment system is only applicable to individual banks for cross-border payment transactions, and a large number of banks cannot open cross-border payment services, which makes it impossible for users of these banks to enjoy cross-border payments directly through these banks that have not opened cross-border payment services. payment service

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