Cross-border separate accounting arrangement method and platform based inline electronic account, and payment platform

An electronic account and cross-border technology, which is applied to account sharing platforms and payment platforms, and in the field of cross-border account sharing, can solve the problems of long-term, generally need 6 to 23 working days, exchange rate risk, and affect the efficiency of capital use, etc., to achieve shortening to The effect of account time

Inactive Publication Date: 2017-09-29
HANGZHOU PINGPONG INTELLIGENT TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the actual operation process, due to the requirements of financial supervision, overseas banking institutions require merchants to go to the counters of overseas branches to open overseas bank accounts. For most small-scale merchants in my country, they have never stepped out of the country and need It takes a lot of time, energy and money. Therefore, the difficulty in the recovery and use of the above-mentioned foreign currency payment has caused certain obstacles to the development of the domestic cross-border e-commerce industry.
Some merchants have to choose the transfer method through underground b

Method used

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  • Cross-border separate accounting arrangement method and platform based inline electronic account, and payment platform
  • Cross-border separate accounting arrangement method and platform based inline electronic account, and payment platform
  • Cross-border separate accounting arrangement method and platform based inline electronic account, and payment platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0051] This example provides a cross-border account sharing method based on the inline electronic account. By designing the inline electronic account, overseas master account and domestic master account, users do not need to go to overseas banks before withdrawing the cross-border transaction amount of the cross-border e-commerce platform. By opening an overseas bank account at the counter of the overseas branch, the user can realize the domestic collection and withdrawal of the cross-border transaction amount.

[0052] Before cross-border account distribution, the prerequisite preparations for cross-border account distribution operators are: to register an overseas master account and a domestic master account. In addition, in order to meet the needs of different user groups and cross-border e-commerce platform specification requirements, operating institutions can register multiple overseas master accounts and multiple domestic master accounts with branches of multiple oversea...

Embodiment 2

[0080] Based on the cross-border account sharing method in Embodiment 1, this example provides an account sharing platform based on inline electronic account cross-border account sharing. The account sharing platform in this example can realize the cross-border cash withdrawal of users. Specifically, obtain the user's cross-border cash withdrawal request , through the virtual transaction funds recorded in the inline electronic account, and then the virtual transaction funds are exchanged through the domestic main account to calculate the actual amount of the user's account, and transfer to the user's target bank card number, avoiding the need for cross-border cash withdrawals by merchants The complicated problems caused by opening an overseas bank account at the mechanical counter of an overseas extension machine of an overseas bank.

[0081] In order to realize the above-mentioned cross-border account split cash withdrawal, the prerequisite preparations required by the operato...

Embodiment 3

[0094] Based on Embodiment 1, this example provides a cross-border account distribution system based on inline electronic accounts, the schematic diagram of which is as follows Figure 5 As shown, it includes client 1, accounting platform 2, cross-border e-commerce platform 3 and financial platform 4, wherein client 1 is respectively connected to cross-border e-commerce platform 3 and accounting platform 2 through network communication, and accounting platform 2 is also connected to financial platform 2. Platform 4 network communication connection, cross-border e-commerce platform 3 is also connected to financial platform 4 network communication, the following is a brief description of the working process of client 1, account sharing platform 2, cross-border e-commerce platform 3 and financial platform 4, Please refer to steps S1-S5 of the first embodiment for specific detailed working process.

[0095] The cross-border account distribution system in this example corresponds t...

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PUM

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Abstract

The invention relates to a cross-border separate accounting arrangement method and platform based an inline electronic account, and a payment platform. The inline electronic account is pre-distributed to a user, during separate accounting arrangement, a deposit withdrawal request of a client is received, and a target inline electronic account, a target store, a target bank account, a target overseas main account and a target domestic main account are determined according to information items contained in the deposit withdrawal request and mapping relationships; a cross-border transaction volume of the target store is transferred to the target overseas main account, and a virtual transaction fund equivalent to the cross-border transaction volume is inputted into the target inline electronic account; an actual separate accounting arrangement sum is calculated according to the virtual transaction fund in the target inline electronic account, the actual separate accounting arrangement sum is transferred through the target domestic main account to the target bank account, and zero clearing of the target inline electronic account is further carried out. The method is advantaged in that a merchant has no need to go to an overseas extension counter of an overseas bank to open an account, and deposit withdrawal of the cross-border transaction volume can be realized through distributing only the inline electronic account to the user.

Description

technical field [0001] The invention relates to the technical field of financial payment, in particular to a cross-border account sharing method based on an inline electronic account, an account sharing platform, and a payment platform. Background technique [0002] In recent years, with the development of world economic integration and globalization, the impact of e-commerce on the economic development and social changes of various countries has gradually increased. Since 2008, the development of my country's traditional foreign trade has been weak, and the average annual growth rate has slowed down to below 10%, but cross-border e-commerce has shown a rapid development trend. According to statistics from the Ministry of Commerce, from 2008 to 2016, the transaction volume of cross-border e-commerce in my country has been increasing rapidly year by year. From 2008 to 2016, the average annual growth rate of cross-border e-commerce transaction volume was close to 30%. It is e...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/12
CPCG06Q20/102G06Q20/12G06Q20/381G06Q40/02G06Q20/227G06Q20/3676
Inventor 陈宇熊伟陈鹏汪宁芦帅刘晓瑞
Owner HANGZHOU PINGPONG INTELLIGENT TECH CO LTD
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