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A cross-border payment method and system

A cross-border, banking system technology, applied in the field of cross-border payment, can solve problems such as insecurity and inconvenience, and achieve the effect of fast and efficient cross-border payment

Inactive Publication Date: 2019-05-31
中非电子商务有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The embodiments of the present disclosure provide a method and system for cross-border payment, which can solve the unsafe or inconvenient problems existing in related technologies

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  • A cross-border payment method and system
  • A cross-border payment method and system
  • A cross-border payment method and system

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Embodiment Construction

[0024] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present disclosure. Rather, they are merely examples of methods, apparatus or systems consistent with aspects of the present disclosure as recited in the appended claims.

[0025] Cross-border payment can be divided into cross-border transfer and remittance channels, overseas offline consumption channels and cross-border online consumption channels. Cross-border transfer and remittance means payment through third-party payment platforms, commercial banks and professional remittance companies; overseas offline consumption means payment through credit...

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Abstract

The invention provides a cross-border payment method and system, and relates to the technical field of electronic information. The cross-border payment method comprises the following steps that a domestic buyer pays for a domestic bank with RMB through a cross-border e-commerce service platform; The domestic bank purchases the payment amount, stores the payment amount into a payment account, and informs the overseas bank of the payment amount; The domestic bank receives a payment notification sent by the domestic buyer through the cross-border e-commerce service platform; And the domestic banktransfers the payment amount from the payment account to the seller account of the overseas bank. The invention also provides another cross-border payment method. Correspondingly, the invention alsoprovides a cross-border payment system. By applying the cross-border payment method or the cross-border payment system provided by the embodiment of the invention, cross-border payment can be quicker,quicker and safer.

Description

technical field [0001] The present disclosure relates to the field of electronic information technology, and in particular to a method and system for cross-border payment. Background technique [0002] With the continuous development of economic globalization, cross-border trade is becoming more and more active, and cross-border payment has become a payment method often used by individuals and businesses. Specifically, cross-border payment means that when Chinese consumers purchase products from foreign merchants online or when foreign consumers purchase products from Chinese merchants, due to the difference in currency, they need to use certain settlement tools and payment systems to realize the payment between the two countries or regions. Fund conversion between, and finally complete the transaction. The current common cross-border payment usually adopts direct transfer or letter of credit payment. figure 1 It is a cross-border payment method for direct transfer in curr...

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/38
Inventor 刘大旗
Owner 中非电子商务有限公司