A remittance method, system and electronic device based on electronic wallet

Abstract

The present application discloses a remittance method based on an electronic wallet, comprising: obtaining the electronic wallet account information of the payee, and generating remittance order data containing the electronic wallet account information; sending the remittance order data to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a collection request containing the remittance order data, and sends the collection request to the collection server; receiving the collection information containing 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. This solution eliminates the tedious operation of the payee inputting the remittance code, and realizes one-click collection.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a remittance method, system and electronic device based on an electronic wallet. Background Art

[0002] Remittances are usually completed by the remitter through an APP provided by a remittance service company (usually a financial institution or a licensed institution) or at a counter of a financial institution, such as Western Union, MoneyGram and other overseas remittance companies. When the remitter makes a remittance, the remittance financial institution generally provides a remittance code withdrawal solution for the payee to withdraw the money after generating the remittance order. Summary of the invention

[0003] In view of this, the embodiments of this specification provide a remittance method, system and electronic device based on an electronic wallet, so as to avoid the tedious operation of the payee inputting the remittance code and achieve the purpose of one-click payment.

[0004] The embodiments of this specification adopt the following technical solutions:

[0005] The embodiment of this specification provides a remittance method based on an electronic wallet, the method comprising:

[0006] Obtaining the electronic wallet account information of the payee and generating remittance order data including the electronic wallet account information;

[0007] Sending the remittance order data to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a payment request containing the remittance order data, and sends the payment request to the payment server;

[0008] Receive the payment information including the remittance order data sent by the payment server, and remit money to the payment server according to the payment information; wherein the payment information is generated by the payment server according to the received payment request.

[0009] The embodiment of this specification also provides a remittance method based on an electronic wallet, the method comprising:

[0010] Receiving remittance order data sent by a remittance server; wherein the remittance order data includes the electronic wallet account information of the payee;

[0011] 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;

[0012] Receive feedback information from the login terminal regarding the payment notification, determine a payment request including the remittance order data according to the feedback information, and send the payment request to a payment server so that the payment server collects payment from the remittance server.

[0013] An embodiment of the present specification also provides an electronic device, including: at least one processor and a memory;

[0014] The memory stores instructions that can be executed by the at least one processor. The instructions are executed by the at least one processor to enable the at least one processor to execute the above-mentioned remittance method.

[0015] The embodiments of this specification also provide a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the above-mentioned remittance method is implemented.

[0016] The embodiment of this specification also provides a remittance system based on an electronic wallet, the system comprising: a remittance server, used to obtain the electronic wallet account information of the payee, and generate remittance order data including the electronic wallet account information, and send the remittance order data to the electronic wallet server corresponding to the electronic wallet account information;

[0017] The electronic wallet server is used to receive the remittance order data sent by the remittance server, determine the payment request containing the remittance order data, and send the payment request to the payment server;

[0018] A payment receiving server is used to receive payment from the remittance server according to the payment receiving information.

[0019] At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects: the solution of the present application associates the remittance order with the e-wallet account through the e-wallet server, and then pushes it to the terminal device that logs in to the e-wallet account, eliminating the tedious operation of the payee to enter the remittance code, and realizing one-click payment. Furthermore, the solution can also complete the payee's KYC / AML, fund remittance, foreign currency exchange and other payment processes. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the drawings required for use in the embodiments or the prior art description are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative labor:

[0021] Figure 1 A flow chart of a remittance method based on an electronic wallet provided in an embodiment of this specification;

[0022] Figure 2 A flow chart of a remittance method based on an electronic wallet provided in an embodiment of this specification;

[0023] Figure 3 The overall flow chart of the remittance method based on the electronic wallet provided in the embodiment of this specification;

[0024] Figure 4 This is a schematic diagram of the structure of a remittance system based on an electronic wallet provided in an embodiment of this specification. DETAILED DESCRIPTION

[0025] This solution provides a technical solution that can support electronic wallets to directly collect payments. In order to enable people in this technical field to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0026] Figure 1 A flow chart of a remittance method based on an electronic wallet provided in an embodiment of this specification. The method includes:

[0027] S110: Acquire the electronic wallet account information of the payee, and generate remittance order data including the electronic wallet account information.

[0028] In this step, the execution subject may be a remittance server (such as a cloud server of an overseas financial institution). The remitter may fill in the corresponding e-wallet account information of the payee through a corresponding APP installed on the terminal (such as an APP provided by a remittance service agency), and then send the e-wallet account information to the remittance server through the APP; or the remitter may directly input the e-wallet account information to the remittance server through a remittance service agency (such as an offline branch of a remittance service agency), and this specification embodiment does not limit this.

[0029] In this step, after the remittance server obtains the electronic wallet account information of the payee, it generates remittance order data containing the electronic wallet account information according to the electronic wallet account information. As an example, the remittance order data may include payer information, payee information, and remittance code, etc. The remittance code may be generated by the remittance server to identify the remittance information.

[0030] S120: Send the remittance order data to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a payment request containing the remittance order data, and sends the payment request to the payment server.

[0031] In this step, the electronic wallet server is used to provide electronic wallet services, and the electronic wallet server stores electronic wallet account information of different registered users. The electronic wallet server determines the collection request containing the remittance order data, specifically including: 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 collection notification to the login terminal of the electronic wallet account (the login terminal is the terminal device for logging in to the corresponding electronic wallet account); then, the electronic wallet server receives feedback information from the login terminal for the collection notification, and determines the collection request containing the remittance order data according to the feedback information.

[0032] Specifically, after the electronic wallet server receives the remittance order data, the electronic wallet server obtains the electronic wallet account contained in the remittance order data, and then associates the remittance order data with the corresponding electronic wallet account registered in the electronic wallet server, determines the corresponding electronic wallet account registered in the electronic wallet server, and then sends a payment notification to the login terminal of the electronic wallet account. Among them, the login terminal can be a mobile phone, tablet, computer or other device 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 electronic wallet account, and the electronic wallet account is the electronic wallet account filled in by the remitter when performing the remittance operation.

[0033] In this step, the payment server can 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 electronic wallet server has associated the payee's electronic wallet account and remittance order, there is no need to fill in the relevant information for the payment, that is, the payment operation can be directly initiated after receiving the payment notification. That is, the payment request is sent to the electronic wallet server through the mobile phone APP, and after receiving the payment request, the electronic wallet server sends the payment request to the payment server. In this way, the tedious operation of the payee entering the remittance code is eliminated, and one-click payment is achieved.

[0034] S130: receiving payment information including the remittance order data sent by the payment server, and remitting money to the payment server according to the payment information.

[0035] In this step, after receiving the payment request, the payment receiving server can collect money from the remittance server. Specifically, the payment receiving server obtains payment information including remittance order data according to the payment request, and sends the payment information to the remittance server. After receiving the payment information, the remittance server remits money to the payment receiving server according to the payment information.

[0036] 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.

[0037] In a feasible solution, in the above remittance method, the remittance order data including the payee's electronic wallet account may only include the remittance code. In other words, after the remittance server generates the remittance code, it may only transmit the electronic wallet account and the remittance code data, and the receiving server may directly confirm the remittance information, such as the remitter information, the payee information, the remittance amount, etc., through the remittance code to complete the remittance operation.

[0038] As an example, after receiving the remittance from the remittance server, the remittance server may also exchange the remittance amount, and then remit the exchanged remittance amount into the corresponding electronic wallet account.

[0039] As an example, when the electronic wallet server sends the remittance result returned by the remittance server to the login terminal of the electronic wallet account, it can also exchange the remittance amount contained in the remittance result, and then send the exchanged remittance result to the login terminal of the electronic wallet account. For example, the remittance result is "XXX US dollars have been remitted", and the electronic wallet server converts the remittance amount into an equivalent amount of RMB according to the corresponding exchange rate, and then sends the exchanged remittance result "XXX RMB has been remitted" to the login terminal device of the electronic wallet account. In addition, in this example, the electronic wallet account of the payee can also have a US dollar account and a RMB account at the same time, which is not limited in this embodiment of the present description.

[0040] The above method is a remittance method with a remittance server as the execution subject. The embodiment of this specification also provides a remittance method based on an electronic wallet. Figure 2 Flow chart of a remittance method based on an electronic wallet provided in the embodiment of this specification. The method includes:

[0041] S210: receiving remittance order data sent by the remittance server; wherein the remittance order data includes the electronic wallet account information of the payee.

[0042] 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 the electronic wallet account information of different registered users. Wherein, the remittance order data is the remittance order data containing the electronic wallet account generated by the remittance server (such as the cloud server of an overseas financial institution) according to the received electronic wallet account information of the payee. The remittance order data may include payer information, payee information, and remittance code, etc. The remittance code can be generated by the remittance server to identify the remittance information.

[0043] In this step, the remitter can fill in the corresponding e-wallet account information of the payee's e-wallet account through the corresponding APP installed on the terminal (such as the APP provided by the remittance service agency), and then send the e-wallet account information to the remittance server through the APP; the remitter can also directly input the e-wallet account information to the remittance server through the remittance service agency (such as the remittance service agency's offline outlets), and the embodiments of this specification are not limited to this.

[0044] S220: Determine a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and send a payment notification to a login terminal of the electronic wallet account.

[0045] In this step, after the electronic wallet server receives the remittance order data, the electronic wallet server obtains the electronic wallet account contained in the remittance order data, and then associates the remittance order data with the corresponding electronic wallet account registered in the electronic wallet server to determine the corresponding electronic wallet account registered in the electronic wallet server, and then sends a receipt notification to the login terminal of the electronic wallet account. Among them, the login terminal can be a mobile phone, tablet, computer or other device 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 electronic wallet account, and the electronic wallet account is the electronic wallet account filled in by the remitter when performing the remittance operation.

[0046] S230: receiving feedback information from the login terminal regarding the payment notification, determining a payment request including the remittance order data according to the feedback information, and sending the payment request to a payment server so that the payment server collects payment from the remittance server.

[0047] In this step, after the payee receives the payment notification through the APP installed on the mobile phone, since the electronic wallet server has associated the payee's electronic wallet account and remittance order, there is no need to fill in the relevant information for payment, that is, the payment operation can be directly initiated after receiving the payment notification. That is, the payment request is sent to the electronic 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 tedious operation of the payee entering the remittance code is eliminated, and one-click payment is achieved.

[0048] The payment collection server may be a cloud server of a domestic financial institution. After receiving the payment collection request, the payment collection server may collect payment from the remittance server. Specifically, the payment collection server obtains payment collection information including remittance order data according to the payment collection request, and sends the payment collection information to the remittance server. After receiving the payment collection information, the remittance server remits money to the payment collection server according to the payment collection information. After receiving the remittance from the remittance server, the payment collection 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.

[0049] In a feasible solution, in the above remittance method, the remittance order data including the payee's electronic wallet account may only include the remittance code. In other words, after the remittance server generates the remittance code, it may only transmit the electronic wallet account and the remittance code data, and the receiving server may directly confirm the remittance information, such as the remitter information, the payee information, the remittance amount, etc., through the remittance code to complete the remittance operation.

[0050] As an example, after receiving the remittance from the remittance server, the remittance server may also exchange the remittance amount, and then remit the exchanged remittance amount into the corresponding electronic wallet account.

[0051] As an example, when the electronic wallet server sends the remittance result returned by the remittance server to the login terminal of the electronic wallet account, it can also exchange the remittance amount contained in the remittance result, and then send the exchanged remittance result to the login terminal of the electronic wallet account. For example, the remittance result is "XXX US dollars have been remitted", and the electronic wallet server converts the remittance amount into an equivalent amount of RMB according to the corresponding exchange rate, and then sends the exchanged remittance result "XXX RMB has been remitted" to the login terminal device of the electronic wallet account. In addition, in this example, the electronic wallet account of the payee can also have a US dollar account and a RMB account at the same time, which is not limited in this embodiment of the present description.

[0052] Combine the following Figure 3To further illustrate the specific scheme of the embodiment of this specification. Figure 3 , Figure 3 The overall flow chart of the remittance method based on the electronic wallet provided in the embodiment of this specification. The overall flow of the remittance method in the embodiment of this specification is as follows:

[0053] S310: The remittance server obtains the electronic wallet account information of the payee and generates remittance order data including the electronic wallet account information;

[0054] S320: The remittance server sends the remittance order data to the electronic wallet server;

[0055] S330: The electronic wallet server receives the remittance order data sent by the remittance server;

[0056] 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 receipt notification to the login terminal of the electronic wallet account;

[0057] S350: The electronic wallet server receives feedback information from the login terminal regarding the payment notification, determines a payment request including the remittance order data according to the feedback information, and sends the payment request to the payment server;

[0058] S360: The payment collection server obtains payment information including the remittance order data according to the payment collection request, and sends the payment collection information to the remittance server for payment collection;

[0059] S370: The remittance server remits money to the payment receiving server according to the payment receiving information;

[0060] S380: The remittance server sends the remittance result to the electronic wallet server;

[0061] S390: The electronic wallet server sends the remittance result to the terminal device that logs into the electronic wallet account.

[0062] Furthermore, the payment server converts the received remittance amount and remits the converted remittance amount into the electronic wallet account to complete the remittance operation.

[0063] The more specific description of the above steps S310-390 is given above and will not be repeated here.

[0064] The remittance system provided in this manual not only eliminates the tedious operation of the payee's remittance code input and realizes one-click payment; it can also complete the payee's KYC (Know your customer) / AML (anti-moneylaundering), fund remittance, foreign currency exchange and other payment processes.

[0065] Among them, the KYC (Know your customer) policy is an enhanced review of account holders. It is the institutional basis for AML (anti-money laundering) to prevent corruption and is conducive to understanding the legality of the source of funds.

[0066] Based on the same idea, an embodiment of this specification also provides an electronic device, including: at least one processor and a memory; the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the above-mentioned remittance method.

[0067] Based on the same idea, the embodiment of this specification also provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by the processor, the above-mentioned remittance method is implemented.

[0068] Based on the same idea, the embodiments of this specification also provide a remittance system based on an electronic wallet. Figure 4 This is a schematic diagram of the structure of the remittance system based on the electronic wallet provided in the embodiment of this specification. Figure 4 As shown, the system includes: a remittance server 401, an electronic wallet server 402 and a payment receiving server 403;

[0069] The remittance server 401 is used to obtain the electronic wallet account information of the payee, generate remittance order data including the electronic wallet account information, and send the remittance order data to the electronic wallet server 402 corresponding to the electronic wallet account information.

[0070] The electronic wallet service 402 is used to receive the remittance order data sent by the remittance server 401 , determine a payment request including the remittance order data, and send the payment request to the payment server 403 .

[0071] The payment receiving server 403 is used to receive payment from the remittance server 401 according to the payment receiving information.

[0072] Furthermore, the remittance system further includes a login terminal 404 for logging into an electronic wallet account. The electronic wallet server 402 determines a payment request including the remittance order data, specifically including: the electronic wallet server 402 determines a corresponding electronic wallet account registered in the electronic wallet server 402 according to the remittance order data, and sends a payment notification to the login terminal 404; receives feedback information from the login terminal 404 regarding the payment notification, and determines a payment request including the remittance order data according to the feedback information.

[0073] Furthermore, the remittance server 401 is also used to send the remittance result to the electronic wallet server 402 after remitting the remittance to the receiving server 403; the electronic wallet server 402 is also used to exchange the remittance included in the remittance result to send the exchanged remittance result to the login terminal 404.

[0074] Furthermore, the remittance receiving server 403 is also used to exchange the received remittance amount after receiving the remittance from the remittance server 401, and remit the exchanged remittance amount into the corresponding electronic wallet account.

[0075] Furthermore, the remittance order data at least includes a remittance code.

[0076] For a more detailed implementation of the above-mentioned electronic wallet-based remittance system, please refer to the above description of the remittance method, which will not be repeated here.

[0077] The above describes specific embodiments of the present specification, and other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the accompanying drawings do not necessarily have to be performed in the specific order or sequential order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0078] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences 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 the relevant parts can be referred to the partial description of the method embodiments.

[0079] The apparatus, device, non-volatile computer-readable storage medium and method provided in the embodiments of this specification correspond to each other, and therefore, the apparatus, device, and non-volatile computer storage medium also have similar beneficial technical effects as the corresponding methods. Since the beneficial technical effects of the methods have been described in detail above, the beneficial technical effects of the corresponding apparatus, device, and non-volatile computer storage medium will not be repeated here.

[0080] In the 1990s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented with "logic compiler" software, which is similar to the software compiler used when developing and writing programs. The original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many types, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that it is easy to obtain a hardware circuit that implements the logical method flow by simply performing some logic programming on the method flow using the above-mentioned hardware description languages ​​and programming it into an integrated circuit.

[0081] The controller can be implemented in any appropriate manner, for example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, MicrochIP address PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable program code manner, the controller can be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be regarded as structures within the hardware component. Or even, the devices for implementing various functions can be regarded as both software modules for implementing the method and structures within the hardware component.

[0082] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or 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 cellular 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 a combination of any of these devices.

[0083] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0084] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may be in the form of complete hardware embodiments, complete software embodiments, or embodiments in combination with software and hardware. Moreover, the embodiments of this specification may be in the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0085] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0086] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0087] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0088] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0089] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0090] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. 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, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0091] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0092] 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 may 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 may be located in local and remote computer storage media including storage devices.

[0093] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0094] The above is only an embodiment of this specification and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A remittance method based on an electronic wallet, the method comprising: The remittance server obtains the electronic wallet account information of the payee and generates remittance order data including the electronic wallet account information; The remittance server is a server of a financial institution; Sending the remittance order data to the electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines the electronic wallet account of the payee according to the remittance order data, thereby determining a payment request containing the remittance order data, and sending the payment request to the payment server; the electronic wallet account of the payee is registered and generated in the electronic wallet server; Receive the payment information including the remittance order data sent by the payment server, and remit money to the payment server according to the payment information; wherein the payment information is generated by the payment server according to the received payment request.

2. According to the method of claim 1, the electronic wallet server determines the payment request containing the remittance order data, specifically comprising: 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 regarding the payment notification, and determines a payment request including the remittance order data according to the feedback information.

3. The method according to claim 2, further comprising: The remittance result is sent to the electronic wallet server, so that the electronic wallet server sends the remittance result to the login terminal of the electronic wallet account.

4. The method according to claim 2, after remitting money to the remittance server according to the remittance information, the remittance server converts the received remittance amount and remits the converted remittance amount into the electronic wallet account.

5. The method according to any one of claims 1 to 4, wherein the remittance order data at least includes a remittance code.

6. A remittance method based on an electronic wallet, the method comprising: Receiving remittance order data sent by a remittance server; wherein the remittance order data includes the electronic wallet account information of the payee; the remittance server is a server of a financial institution; Determine the electronic wallet account of the payee 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; the electronic wallet account of the payee is registered and generated in the electronic wallet server; Receive feedback information from the login terminal regarding the payment notification, determine a payment request including the remittance order data according to the feedback information, and send the payment request to a payment server so that the payment server collects payment from the remittance server.

7. The method according to claim 6, further comprising: The remittance result returned by the remittance server is received, and the remittance result is sent to the login terminal of the electronic wallet account.

8. The method according to claim 7, sending the remittance result to the login terminal of the electronic wallet account, specifically comprising: The remittance amount included in the remittance result is converted to send the converted remittance result to the login terminal of the electronic wallet account.

9. The method according to claim 6, after the payment receiving server receives payment from the payment remittance server, the payment receiving server converts the received remittance amount and remits the converted remittance amount into the electronic wallet account.

10. The method according to any one of claims 6 to 9, wherein the remittance order data at least includes a remittance code.

11. An electronic device, comprising: at least one processor 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 perform the remittance method according to any one of claims 1 to 5 or 6 to 10.

12. A computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions, when executed by a processor, implement the remittance method according to any one of claims 1 to 5 or 6 to 10.

13. A remittance system based on an electronic wallet, the system comprising: A remittance server, used to obtain the electronic wallet account information of the payee, generate remittance order data including the electronic wallet account information, and send the remittance order data to the electronic wallet server corresponding to the electronic wallet account information; The remittance server is a server of a financial institution; An electronic wallet server, used for receiving the remittance order data sent by the remittance server, and determining the electronic wallet account of the payee according to the remittance order data, thereby determining a payment request containing the remittance order data, and sending the payment request to the payment server; the electronic wallet account of the payee is registered and generated in the electronic wallet server; A payment receiving server is used to receive payment from the remittance server according to the payment receiving information.

14. The remittance system according to claim 13, further comprising a login terminal for electronic wallet account login; The electronic wallet server determines a payment request including the remittance order data, specifically including: 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; receiving feedback information from the login terminal regarding the payment notification, and determining a payment request including the remittance order data according to the feedback information.

15. The remittance system according to claim 14, The remittance server is also used to send the remittance result to the electronic wallet server after remitting the remittance to the receiving server; The electronic wallet server is also used to send the received remittance result to the login terminal.

16. The remittance system according to claim 15, wherein the electronic wallet server sends the received remittance result to the login terminal, specifically comprising: The electronic wallet server converts the remittance included in the remittance result to send the converted remittance result to the login terminal.

17. The remittance system according to claim 15, wherein the remittance receiving server is further configured to convert the received remittance amount after receiving the remittance from the remittance server, and remit the converted remittance amount into the electronic wallet account.

18. The remittance system according to any one of claims 13 to 17, wherein the remittance order data at least includes a remittance code.

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