Cross-border transaction data processing method and system

Abstract

The embodiment of the invention belongs to the technical field of electronic information, and relates to a cross-border transaction data processing method. The method comprises the steps of receivingand storing the account opening data of a cross-border account transmitted by a domestic bank electronic system; extracting the merchant information from the account opening data to match an account opening auditing request initiated by a cross-border institution electronic system; transmitting the merchant information to the cross-border institution electronic system; when a cross-border remittance request of the domestic bank electronic system is received, comparing the main account balance with the remittance amount; and if the main account balance is greater than or equal to the remittanceamount, sending the cross-border remittance request to the cross-border institution electronic system. The invention further provides a cross-border transaction data processing system. According to the application, the problems that the commercial tenant data required by different cross-border institution electronic systems for opening accounts overseas is inconsistent, and the corresponding commercial tenant data cannot be timely and specifically provided by a domestic bank electronic system, so that the commercial tenant cross-border account opening procedures are many, and the operation istedious, are effectively solved, and the workload of the domestic bank electronic system is reduced.

Description

technical field [0001] The present application relates to the technical field of electronic information technology, and in particular to a data processing method and system for cross-border transactions. Background technique [0002] Cross-border e-commerce platforms are gradually emerging, such as the Amazon platform. There are several ways for cross-border merchants on cross-border e-commerce platforms to receive cross-border payments, including opening overseas bank accounts and remittances from overseas banks to domestic banks. However, due to Cross-border merchants are scattered in various countries, and domestic banks need to connect with multiple overseas banks, which consumes manpower and material resources, and multiple separate small remittances cost a lot of handling fees. [0003] Today, there are many ways for cross-border merchant transactions, one of which is to achieve cross-border transactions through cross-border institutions that cooperate with domestic ba...

AI Technical Summary

Problems solved by technology

[0002] Cross-border e-commerce platforms are gradually emerging, such as the Amazon platform. There are several ways for cross-border merchants on cross-border e-commerce platforms to receive cross-border payments, including opening overseas bank accounts and remittances from overseas banks to domestic banks. However, due to Cross-border merchants are scattered in various countries, and domestic banks need to connect with multiple overseas banks, which consumes manpower and material resources, and multiple separate small remittances cost a lot of handling fees

[0003] Today, there are many ways for cross-border merchant transactions, one of which is to achieve cross-border transactions through cross-border institutions that cooperate with domestic banks. Cross-border institutions open accounts in different banks in the same country according to the requirements of different merchants, called sub-accounts ; The cross-border institution opens another account as the sub-account fund collection and transfer account, which is called the main account; The funds are collected and transferred to the main account, and the remittance is uniformly remitted to the domestic bank; however, due to the gradual increase of cross-border institutions, and the information required for merchants to open an account in each country is different, the corresponding cross-border institutions also require different account opening information ; Whenever a cross-border merchant needs to open an account in a country, domestic banks are required to provide different information, which is not only cumbersome, but also time-consuming

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