Foreign exchange transaction processing method, device, computer readable storage medium and equipment

Abstract

The application provides a transaction processing method, a transaction processing device, a computer readable storage medium and an electronic device; and relates to the technical field of computers. The method comprises: outputting a display interface when a transaction is detected; wherein the display interface is used to display information corresponding to the transaction, and the display interface comprises an interactive control; displaying a currency selection window when a receiving operation acting on the interactive control is detected, and determining a target currency from the currencies displayed in the currency selection window according to a currency selection operation; displaying a payee account selection interface and determining a target account according to a payee account selection operation; and according to the target currency, transferring a remittance amount corresponding to the transaction into the target account. It can be seen that the technical solution of the application can improve remittance efficiency.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular, relates to a foreign exchange transaction processing method, foreign exchange transaction processing device, computer readable storage medium and electronic equipment. BACKGROUND

[0002] For cross-border remittance, after the remitter fills in the remittance information and performs the remittance operation, the payee generally needs to fill in multiple verification information before receiving the remittance, and after receiving the remittance, the payee needs to realize the settlement of the remittance through a series of operations, which easily leads to the problem that the user needs to go through multiple operations to realize the reception and settlement of foreign exchange, and the operation is complicated, and further easily leads to the problem of low remittance efficiency.

[0003] It should be noted that the information disclosed in the above background section is only used to strengthen the understanding of the background of the present application, and therefore can include information that does not constitute prior art known to those of ordinary skill in the art. SUMMARY

[0004] The purpose of the present application is to provide a foreign exchange transaction processing method, foreign exchange transaction processing device, computer readable storage medium and electronic equipment, which can simplify the foreign exchange receiving operation and further improve the remittance efficiency.

[0005] Other characteristics and advantages of the present application will become apparent from the following detailed description, or will be learned by practice of the present application.

[0006] According to an aspect of the present application, a foreign exchange transaction processing method is provided, comprising:

[0007] outputting a display interface when detecting a foreign exchange transaction; wherein the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange;

[0008] displaying a currency selection window when detecting a receiving operation acting on the interactive control, and determining a target currency from the currencies displayed in the currency selection window according to a currency selection operation;

[0009] displaying a payee account selection interface and determining a target account according to a payee account selection operation;

[0010] settling a remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency.

[0011] According to an aspect of the present application, a foreign exchange transaction processing system is provided, comprising a sender terminal, a transfer-out server, an intermediate server, a receiver server and a receiver terminal, wherein:

[0012] The sending terminal is used to send a remittance request to the sending server and a remittance message to the receiving terminal.

[0013] The sending server is used to process remittance requests and send remittance notifications to the intermediary server.

[0014] The receiving terminal is used to determine that a foreign exchange transaction has been detected when a remittance message is received, and to output a display interface; wherein, the display interface is used to display the foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes interactive controls for receiving foreign exchange.

[0015] The receiving terminal is also used to display a currency selection window when a receiving operation is detected acting on the interactive control, and to determine the target currency from the currencies displayed in the currency selection window according to the currency selection operation.

[0016] The receiving terminal is also used to display the receiving account selection interface and determine the target account based on the receiving account selection operation;

[0017] The intermediary server is used to transfer the remittance amount corresponding to the foreign exchange transaction to the target account of the receiving server after receiving the remittance notification, based on the target currency.

[0018] According to one aspect of this application, a foreign exchange transaction processing device is provided, comprising an interface output unit, a window display unit, an interface redirection unit, an account confirmation unit, and a transaction execution unit, wherein:

[0019] The interface output unit is used to output a display interface when a foreign exchange transaction is detected; the display interface is used to display the foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes interactive controls for receiving foreign exchange.

[0020] The window display unit is used to display a currency selection window when a receiving operation is detected on the interactive control, and to determine the target currency from the currencies displayed in the currency selection window according to the currency selection operation.

[0021] The interface navigation unit is used to navigate to the payment account selection interface.

[0022] The account determination unit is used to determine the target account based on the receiving account selection operation.

[0023] The transaction execution unit is used to transfer the remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency.

[0024] In one exemplary embodiment of this application, the above-mentioned apparatus further includes a message display unit, wherein:

[0025] The message display unit is used to determine and display a foreign exchange transaction when a remittance message sent by the sender terminal is received, before the output display interface is displayed.

[0026] In an example embodiment of the present application, the manner in which the sender terminal sends the remittance message is specifically as follows:

[0027] The sender terminal outputs a remittance interface according to the detected money transfer operation, and detects a remittance information input operation in the remittance interface;

[0028] The sender terminal sends a remittance message corresponding to the remittance information input operation to the receiver terminal;

[0029] The remittance interface at least includes a payment account selection area, a remittance reason selection area, a remittance amount input area, and a remittance currency selection area.

[0030] In an example embodiment of the present application, the remittance interface further includes a confirmation control, and the manner in which the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal is specifically as follows:

[0031] When detecting a confirmation operation acting on the confirmation control, the sender terminal outputs a password verification window to perform password correctness verification;

[0032] If the verification result indicates that the input password is correct, the sender terminal generates a remittance message corresponding to the remittance information input operation;

[0033] The sender terminal displays a forwarding control for forwarding the remittance message;

[0034] If a forwarding operation acting on the forwarding control is detected, the sender terminal sends the remittance message to the receiver terminal.

[0035] In an example embodiment of the present application, before the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal, the sender terminal further includes:

[0036] The sender terminal sends a remittance request containing remittance information corresponding to the remittance information input operation to the transfer-out server, so that the transfer-out server deducts the foreign exchange amount from the payment account according to the remittance information.

[0037] In an example embodiment of the present application, the manner in which the transfer-out server deducts the foreign exchange amount from the payment account according to the remittance information is specifically as follows:

[0038] The transfer-out server detects whether the total foreign exchange amount corresponding to the payment account is greater than the foreign exchange amount, and whether the remittance quota corresponding to the payment account is greater than the foreign exchange amount;

[0039] If the total foreign exchange amount is greater than the foreign exchange amount and the remittance quota corresponding to the payment account is greater than the foreign exchange amount, the transfer-out server deducts the foreign exchange amount from the payment account and sends a remittance notification to the intermediate server.

[0040] In an example embodiment of the present application, the manner in which the remitter server detects whether the remittance amount corresponding to the payment account is greater than the foreign exchange amount is as follows:

[0041] The remitter server determines the relevant information of the payment account, which at least includes the flow information and the account level;

[0042] The remitter server calculates the weighted sum of each information according to the preset weight corresponding to each information in the relevant information;

[0043] The remitter server determines the remittance amount corresponding to the weighted sum according to the data correspondence, and detects whether the remittance amount is greater than the foreign exchange amount.

[0044] In an example embodiment of the present application, the manner in which the sender terminal displays the forwarding control for forwarding the remittance message is as follows:

[0045] The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are used to forward the remittance message.

[0046] In an example embodiment of the present application, the manner in which the sender terminal generates the remittance message corresponding to the remittance information input operation is as follows:

[0047] The sender terminal determines the remitter name corresponding to the remittance information input operation, and generates the remittance message according to the remitter name, wherein the remittance message includes the remittance content and / or the remittance link.

[0048] In an example embodiment of the present application, the interface output unit outputs the display interface, which includes:

[0049] The display interface is output when the interaction operation acting on the remittance message is detected.

[0050] In an example embodiment of the present application, the currency selection window includes a receiving function opening control of a specific currency, and the window display unit determines the target currency from the currencies displayed in the currency selection window according to the currency selection operation, which includes:

[0051] If the currency selection operation acts on the displayed currency, the currency corresponding to the currency selection operation is determined as the target currency;

[0052] If the currency selection operation acts on the receiving function opening control, the receiving function is triggered and the specific currency is determined as the target currency.

[0053] In an example embodiment of the present application, the window display unit triggers the receiving function to be opened, which includes:

[0054] Jump to the payee information acquisition interface and detect the payee information input operation;

[0055] The receiving function is triggered to start according to the corresponding payee information input operation.

[0056] In an example embodiment of the present application, the account determining unit determines the target account according to the payee account selection operation, including:

[0057] The target account is determined from at least one account displayed on the payee account selection interface according to the payee account selection operation.

[0058] In an example embodiment of the present application, the transaction executing unit converts the remittance amount corresponding to the foreign exchange transaction into the target currency and remits the target currency amount into the target account, including:

[0059] The remittance confirmation interface is jumped, and when the remittance information confirmation operation is detected, a remittance receiving request is fed back to the intermediate party server, so that the intermediate party server determines the remittance amount corresponding to the foreign exchange transaction and the target currency amount corresponding to the remittance amount according to the receiving request, and remits the target currency amount into the target account.

[0060] In an example embodiment of the present application, the way in which the intermediate party server remits the target currency amount into the target account is specifically:

[0061] The intermediate party server detects whether the target currency amount is less than the remaining remittance quota, and if so, remits the target currency amount into the target account.

[0062] According to an aspect of the present application, an electronic device is provided, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the above-mentioned method via execution of the executable instructions.

[0063] According to an aspect of the present application, a computer readable storage medium is provided, having a computer program stored thereon, the computer program being executed by a processor to implement the above-mentioned method.

[0064] The example embodiments of the present application can have the following partial or all beneficial effects:

[0065] In the foreign exchange transaction processing method provided by the example embodiment of the present application, a display interface can be output when a foreign exchange transaction is detected; the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange; when a receiving operation on the interactive control is detected, a currency selection window is displayed, and a target currency is determined from the currencies displayed in the currency selection window according to a currency selection operation; a payee account selection interface is displayed, and a target account is determined according to a payee account selection operation; and a remittance amount corresponding to the foreign exchange transaction is remitted into the target account according to the target currency. According to the above description, in one aspect of the present application, the remittance amount can be remitted into the account selected by the user according to the currency selected by the user, without the user inputting other verification information, so as to simplify the foreign exchange receiving operation and improve the remittance efficiency. In another aspect of the present application, the remittance waiting time of the user can be shortened, that is, the instant account can be realized, so as to improve the user experience.

[0066] It should be understood that the foregoing general description and the following detailed description are only exemplary and explanatory, and are not restrictive of the present application. BRIEF DESCRIPTION OF DRAWINGS

[0067] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and serve to explain the principles of the present application. It is readily apparent to one of ordinary skill in the art that the drawings presented below are only some embodiments of the present application, and other drawings can be obtained by those of ordinary skill in the art without any creative effort, based on the drawings.

[0068] Figure 1 FIG. 1 shows a schematic diagram of an example system architecture of a foreign exchange transaction processing method and a foreign exchange transaction processing device to which the embodiments of the present application can be applied;

[0069] Figure 2 FIG. 3 shows a structural schematic diagram of a computer system of an electronic device suitable for implementing the embodiments of the present application;

[0070] Figure 3 FIG. 4 shows a flowchart of a foreign exchange transaction processing method according to an embodiment of the present application;

[0071] Figure 4 FIG. 5 shows a message display interface according to an embodiment of the present application;

[0072] Figure 5 FIG. 6 shows a remittance method selection interface according to an embodiment of the present application;

[0073] Figure 6 FIG. 7 shows a remittance interface according to an embodiment of the present application;

[0074] Figure 7 Fig. 1 shows a schematic diagram of a password verification window according to an embodiment of the present application;

[0075] Figure 8 Fig. 2 shows a schematic diagram of a display window according to an embodiment of the present application;

[0076] Figure 9 Fig. 3 shows a schematic diagram of a remittance message sharing window according to an embodiment of the present application;

[0077] Figure 10 Fig. 4 shows a schematic diagram of a display interface according to an embodiment of the present application;

[0078] Figure 11 Fig. 5 shows a schematic diagram of a currency selection window according to an embodiment of the present application;

[0079] Figure 12 Fig. 6 shows a schematic diagram of a currency selection window according to another embodiment of the present application;

[0080] Figure 13 Fig. 7 shows a schematic diagram of a beneficiary information obtaining interface according to an embodiment of the present application;

[0081] Figure 14 Fig. 8 shows a schematic diagram of an identity information obtaining page of the beneficiary information obtaining interface according to an embodiment of the present application;

[0082] Figure 15 Fig. 9 shows a schematic diagram of a working information obtaining page of the beneficiary information obtaining interface according to an embodiment of the present application;

[0083] Figure 16 Fig. 10 shows a schematic diagram of a settlement information obtaining page of the beneficiary information obtaining interface according to an embodiment of the present application;

[0084] Figure 17 Fig. 11 shows a schematic diagram of a remittance account selection interface according to an embodiment of the present application;

[0085] Figure 18 Fig. 12 shows a schematic diagram of a remittance confirmation interface according to an embodiment of the present application;

[0086] Figure 19 Fig. 13 shows a schematic diagram of a remittance processing interface according to an embodiment of the present application;

[0087] Figure 20 Fig. 14 shows a schematic diagram of a structure corresponding to a remittance process in the prior art;

[0088] Figure 21 Fig. 1 schematically illustrates a structural diagram corresponding to a remittance process in the prior art;

[0089] Figure 22 Fig. 2 schematically illustrates a structural diagram corresponding to a remittance process according to an embodiment of the present application;

[0090] Figure 23 Fig. 3 schematically illustrates a structural diagram corresponding to a remittance process according to an embodiment of the present application;

[0091] Figure 24 Fig. 4 schematically illustrates a timing diagram of a foreign exchange transaction processing method according to an embodiment of the present application;

[0092] Figure 25 Fig. 5 schematically illustrates a flowchart of a foreign exchange transaction processing method according to an embodiment of the present application;

[0093] Figure 26 Fig. 6 schematically illustrates a structural block diagram of a foreign exchange transaction processing apparatus according to an embodiment of the present application. DETAILED DESCRIPTION

[0094] Example implementations will now be described more fully with reference to the accompanying drawings. Example implementations can be implemented in any

[0095] In addition, the drawings are merely schematic and the dimensions of the various layers can be exaggerated for clarity. Like reference numerals can be used to denote like parts containing similar elements throughout the description. The drawings illustrate only some embodiments in accordance with the present application and a skilled person will be aware of other embodiments in light of the description provided herein. Some embodiments of the present application will now be described with reference to the drawings. The following embodiments do not represent the only way a skilled person can implement a solution in accordance with the present application. In other words, the description of the following embodiments is illustrative and does not limit the scope of the present application. The scope of the present application is limited only by the claims.

[0096] Figure 1A schematic diagram of a system architecture showing an exemplary application environment of a foreign exchange transaction processing method and a foreign exchange transaction processing device according to an embodiment of the present application is shown.

[0097] As shown in Figure 1 , the system architecture 100 can include one or more of terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is a medium for providing a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 can include various connection types, such as wired, wireless communication links, or fiber optic cables, etc. The terminal devices 101, 102, 103 can be various electronic devices with display screens, including but not limited to desktop computers, portable computers, smart phones, and tablet computers, etc. It should be understood that Figure 1 The number of terminal devices, networks, and servers in

[0098] The foreign exchange transaction processing method provided by the embodiments of the present application is generally executed by the terminal device 101, 102, or 103, and accordingly, the foreign exchange transaction processing device is generally provided in the terminal device 101, 102, or 103. However, it is easily understood by those skilled in the art that the foreign exchange transaction processing method provided by the embodiments of the present application can also be executed by the server 105, and accordingly, the foreign exchange transaction processing device can also be provided in the server 105, which is not specially limited in the present exemplary embodiment. For example, in an exemplary embodiment, the terminal device 101, 102, or 103 can output a display interface when a foreign exchange transaction is detected; display a currency selection window when a receiving operation acting on an interactive control is detected, and determine a target currency from the currencies displayed in the currency selection window according to a currency selection operation; display a payee account selection interface and determine a target account according to a payee account selection operation; and transfer a remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency.

[0099] Figure 2 A structural schematic diagram of a computer system of an electronic device suitable for implementing the embodiments of the present application is shown.

[0100] It should be noted that Figure 2 The computer system 200 of the electronic device shown is only an example, and should not impose any limitation on the functions and use range of the embodiments of the present application.

[0101] As shown in Figure 2As shown, the computer system 200 includes a central processing unit (CPU) 201 which can perform various appropriate actions and processes in accordance with programs stored in a read only memory (ROM) 202 or programs loaded from a storage section 208 into a random access memory (RAM) 203. In the RAM 203, various programs and data required for the operation of the system are also stored. The CPU 201, the ROM 202, and the RAM 203 are connected to each other through a bus 204. An input / output (I / O) interface 205 is also connected to the bus 204.

[0102] Connected to the I / O interface 205 are an input section 206 including a keyboard, a mouse, etc.; an output section 207 including a display device such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 208 including a hard disk, etc.; and a communication section 209 including a network interface card such as a LAN card, a modem, etc. The communication section 209 performs communication processing via a network such as the Internet. A drive 210 is also connected to the I / O interface 205 as necessary. A removable media 211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 210 as necessary, so that a computer program read out therefrom is installed in the storage section 208 as necessary.

[0103] In particular, according to embodiments of the present application, the processes described below with reference to the flowcharts can be implemented as a computer software program. For example, embodiments of the present application include a computer program product comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication section 209, and / or installed from the removable media 211. When the computer program is executed by the central processing unit (CPU) 201, various functions defined in the methods and apparatuses of the present application are performed.

[0104] For cross-border remittance, after the remitter fills in the remittance information and performs the remittance operation, the payee generally needs to fill in multiple verification information again before being able to receive the remittance, and after the payee receives the remittance, the payee needs to realize the settlement of the remittance through a series of operations, which easily leads to the problem that the user needs to go through multiple operations to realize the receipt and settlement of foreign exchange, and further easily leads to the problem of low remittance efficiency.

[0105] Based on the above problems, the present example embodiment provides a foreign exchange transaction processing method. The foreign exchange transaction processing method can be applied to the above-mentioned server 105, or can be applied to one or more of the above-mentioned terminal devices 101, 102, 103, which are not specially limited in the present example embodiment. ReferenceFigure 3 As shown, the foreign exchange transaction processing method can include the following steps S310 to S340:

[0106] Step S310: output a display interface when a foreign exchange transaction is detected; wherein the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange.

[0107] Step S320: display a currency selection window when a receiving operation on the interactive control is detected, and determine a target currency from the currencies displayed in the currency selection window according to a currency selection operation.

[0108] Step S330: display a payee account selection interface and determine a target account according to a payee account selection operation.

[0109] Step S340: remit the remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency.

[0110] Implementation Figure 3 As shown, the method can remit the remittance amount into the account selected by the user according to the currency selected by the user, without the user entering other verification information, achieving the effect of simplifying foreign exchange receiving operations and improving remittance efficiency. In addition, through the simplification of foreign exchange receiving operations and the improvement of remittance efficiency, the user's remittance waiting time can be shortened, i.e. instant account, thereby improving the user's experience.

[0111] In addition, it should be noted that in the embodiments of the present application, when the sender terminal performs foreign exchange remittance, the intermediate server can exchange the foreign exchange amount transferred out by the transfer-out server and timely remit it into the target account according to the target account and target currency selected by the receiver terminal; wherein the intermediate server stores a certain amount of money in at least one currency, so the exchange efficiency of the intermediate server is relatively high. In the existing remittance method, after the sender terminal completes remittance according to the payee account, it needs to be remitted into the foreign exchange bank of the bank to which the payee account belongs, and then the foreign exchange bank needs to transfer the foreign exchange amount into the exchange bank of the bank to which it belongs, and then the exchange bank performs exchange to complete the remittance process. However, different users usually correspond to different payee accounts and the same user usually corresponds to multiple payee accounts of different banks, and the remittance efficiency and exchange efficiency of different banks may be different, which can easily affect the remittance efficiency and easily cause uneven user experience due to the difference in the bank to which the payee account belongs. In order to solve the above problems, the present application can perform unified exchange through the intermediate server to obtain the remittance amount of the currency required by the user, and then only need to transfer the remittance amount into the payee account, and the process belongs to the transfer of the same currency, thereby improving the efficiency of foreign exchange remittance.

[0112] The above steps of the present example embodiment are described in more detail as follows.

[0113] In step S310, the display interface is output when the foreign exchange transaction is detected; wherein the display interface is used to display the foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange.

[0114] Specifically, the foreign exchange information can be the required information in the foreign exchange transaction execution process, and the foreign exchange information can include at least one of the remittance amount (e.g., 500), the remittance currency (e.g., HK$), the payment account (e.g., 586564612416823416), the payee account (e.g., 586561641144163486), the payer name (e.g., Zhang San), and the payee name (e.g., Li Si). In addition, optionally, the output style of the interactive control for receiving foreign exchange can be a random style or a preset style, which is not limited by the present application. In addition, optionally, the display interface is used to display the remittance amount and the remittance currency in the foreign exchange information corresponding to the foreign exchange transaction. The payment account, the payer name, the payee name, and other information in the foreign exchange information can not be displayed in the display interface, which can simplify the display interface and improve the user experience.

[0115] As an optional embodiment, before the display interface is output, the above method further includes: when receiving the remittance message sent by the sender terminal, it is determined that the foreign exchange transaction is detected and the remittance message is displayed.

[0116] Specifically, the remittance message sent by the sender terminal to the receiver terminal can be one or more, which is not limited by the present application. Each remittance message sent by the sender terminal can include at least one of text, audio, static image, dynamic image, short video, special effect animation, and link. In particular, when the remittance message includes a link, the output form of the link can be a string composed of addresses or images, which is not limited by the present application. Optionally, the display method of the remittance message can be: displaying the remittance message in the form of a short message; or displaying the remittance message in the form of link sharing.

[0117] Additionally, before displaying the remittance message, the above method can further include the following steps: outputting prompt information (e.g., "You have received a remittance, please check in time") and / or prompt audio for indicating that the foreign exchange transaction is detected, to prompt the user to check the remittance message. Further optionally, the way of displaying the remittance message can be as follows: when an interaction operation (e.g., a click operation, a touch screen operation, etc.) for the prompt information is detected, triggering the application program for displaying the remittance message to start and displaying the remittance message through the application program; when an interaction operation (e.g., a screen-on operation) for the prompt audio is detected within a preset time period (e.g., 5 seconds) after the prompt audio is output, triggering the application program for displaying the remittance message to start and displaying the remittance message through the message display interface in the application program.

[0118] Additionally, when receiving the remittance message sent by the sender terminal, the above method can further include the following steps: sending a receipt to the sender terminal, so that the remitter of the sender terminal can know that the remittance message is successfully delivered to the sender terminal in time. The way of sending the receipt to the sender terminal can be specifically as follows: sending prompt information indicating that the remittance message has been successfully delivered to the sender terminal.

[0119] Please refer to Figure 4 , Figure 4 The message display interface schematic diagram according to an embodiment of the present application is schematically shown. As Figure 4 shown, the message display interface 400 can include a remittance message 401, a text input area 402, and a sending control 403. When the receiver terminal receives the remittance message sent by the sender terminal, it can be determined that the foreign exchange transaction is detected and the remittance message 401 is displayed. It should be noted that the remittance message 401 specifically includes: you have a remittance to receive; the remittance message 401 is interactive. The user can enter the remittance interface by clicking the remittance message 401. Additionally, after reading the remittance message 401, the user can input text information in the text input area 402, and can also send the input text information to the sender terminal through the sending control 403, so as to realize the information interaction between the sender terminal and the receiver terminal. In addition, Figure 4 The message display interface 400 shown in the above figure can be a short message display interface, or a message display interface in an application program (e.g., a social application program), and the embodiments of the present application are not limited thereto.

[0120] It can be seen that by implementing the optional embodiment, the remittance reminder for the receiver user can be realized by displaying the remittance message, so that the receiver user can know the message of detecting the foreign exchange transaction in time, so as to process the remittance event according to the needs of the receiver user, thereby improving the use experience of the receiver user.

[0121] As an optional implementation, the sending terminal sends the remittance message in the following manner: the sending terminal outputs a remittance interface according to the detected money transfer operation, and detects a remittance information input operation in the remittance interface; the sending terminal sends a remittance message corresponding to the remittance information input operation to the receiving terminal; wherein the remittance interface at least includes a payment account selection area, a remittance reason selection area, a remittance amount input area, and a remittance currency selection area.

[0122] Specifically, the money transfer operation can be an interactive operation for triggering the display of the remittance interface function. In addition, the remittance information input operation is used to input remittance information, and the remittance information input operation can be a key input operation, a voice input operation, a gesture input operation, etc., which is not limited by the embodiments of the present application.

[0123] In addition, optionally, the sending terminal outputs the remittance interface according to the detected money transfer operation in the following manner: when the money transfer operation is detected, the remittance mode corresponding to the money transfer operation is determined, and the corresponding remittance interface is output according to the remittance mode. Please refer to Figure 5 Figure 5 The remittance mode selection interface schematic diagram according to an embodiment of the present application is schematically shown. As shown in Figure 5 The remittance mode selection interface 500 includes a bank card number remittance control 501 and a social friend remittance control 502. When the money transfer operation acting on the bank card number remittance control 501 is detected, the remittance interface corresponding to the bank card number remittance control 501 can be output. When the money transfer operation acting on the social friend remittance control 502 is detected, the remittance interface corresponding to the social friend remittance control 502 can be output.

[0124] Further, if the money transfer operation acts on the social friend remittance control 502, please refer to Figure 6 Figure 6 The remittance interface schematic diagram according to an embodiment of the present application is schematically shown. As shown in Figure 6 ​​As shown, the remittance interface 600 can include: a currency selection region 601, a remittance amount input region 602, an account selection region 603, a remittance purpose selection region 604, to-be-confirmed information 605, and a confirmation control 606. Specifically, when detecting the amount transfer operation acting on the social friend remittance control 502, the remittance interface 600 corresponding to the social friend remittance control 502 can be output, wherein the currency selection region 601 is used to show one or more currency options to the user, so that the user can select the currency of the remittance according to the needs. Further, the user can input the remittance amount in the remittance amount input region 602, select the deduction account of the remittance in the account selection region 603, and select the remittance purpose (such as medical treatment, education, other, etc.) in the remittance purpose selection region 604. Further, the to-be-confirmed information 605 (such as pay HK$500.00) can be generated according to the information corresponding to the currency selection region 601 and the remittance amount input region 602, so as to be confirmed by the user again. Further, when detecting the confirmation operation acting on the confirmation control 606, the output password verification window described below can be executed to verify the correctness of the password; wherein the confirmation control 606 is shown as "transfer out" in the embodiment. Figure 6

[0125] In addition, optionally, before the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal, the above method can further include the following steps: the sender terminal generates the remittance message according to the remittance information corresponding to the remittance information input operation.

[0126] In addition, optionally, the way in which the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal can be: the sender terminal determines all receiver terminals to be received the message, and sends the remittance message to all receiver terminals respectively; wherein the receiver terminal can be one or more. When there are multiple receiver terminals, on the one hand, the multiple receiver terminals can correspond to the same receiver user, that is, when the receiver user holds multiple terminal devices, the remittance message can be sent to multiple terminal devices at the same time, so as to improve the probability that the receiver user can learn the remittance message in time, thereby improving the user's use experience. On the other hand, the multiple receiver terminals can also correspond to different receiver users, that is, the sender can remit to multiple receiver users at the same time, so that the sender user only needs to fill in the remittance information once to remit to multiple users, thereby improving the use experience of the remittance party user.

[0127] It can be seen that by implementing this optional embodiment, the corresponding remittance interface can be output according to the user operation and the remittance information can be obtained, and the use experience of the user can be improved by providing multiple remittance methods.

[0128] ​As an optional implementation, the remittance interface further comprises a confirmation control, and the sending terminal sends the remittance message corresponding to the remittance information input operation to the receiving terminal in the following manner: when the sending terminal detects a confirmation operation acting on the confirmation control, the sending terminal outputs a password verification window to perform password correctness verification; if the verification result indicates that the input password is correct, the sending terminal generates the remittance message corresponding to the remittance information input operation; the sending terminal displays a forwarding control for forwarding the remittance message; and if the sending terminal detects a forwarding operation acting on the forwarding control, the sending terminal sends the remittance message to the receiving terminal.

[0129] Specifically, the confirmation operation can be a click operation, a touch operation or a voice input operation, and the embodiments of the present application are not limited in this regard.

[0130] In addition, the sending terminal can output a password verification window to perform password correctness verification in the following manner: the sending terminal outputs the password verification window in the remittance interface, and verifies the password input operation in the password verification window, and verifies the correctness of the input password according to the password input operation; wherein the size of the password verification window can be less than or equal to the size of the remittance interface, the password verification window can be a pop-up window, the size of the password verification window can be customized, the password verification window can be at any position, a default position or a customized position in the remittance interface, and the embodiments of the present application are not limited in this regard. Further, the sending terminal can verify the correctness of the input password according to the password input operation in the following manner: determining a preset password, matching the input password with the preset password, and if the matching degree is not less than a preset threshold (for example, 100%), determining that the input password is correct.

[0131] Referring to Figure 7 , Figure 7 An exemplary diagram of a password verification window according to an embodiment of the present application is shown schematically. An exemplary password verification window 710 with a size smaller than the remittance interface 700 is shown, and the password verification window 710 comprises: a window closing control 711, a remitter avatar 712, a payee avatar 713, a remittance amount, a remittance currency, a password input area 714, a virtual keyboard display area 715 and a cancel control 716. Specifically, when the sending terminal detects a confirmation operation acting on the confirmation control 702 in the remittance interface 700, the sending terminal outputs the password verification window 710. Figure 6When the confirmation control 606 performs a confirmation operation, a password verification window 710 pops up. The user can confirm whether to transfer "HK$500.00" from "Zhang San" to "Li Si" based on the remitter's avatar 712, the recipient's avatar 713, the remittance amount, and the remittance currency displayed in the password verification window 710. After confirmation, the user can enter a password in the password input area 714 through interaction with the virtual keyboard displayed in the virtual keyboard display area 715. The password in the password input area 714 can be at least two digits, but this embodiment does not limit this. The positions of the digits in the virtual keyboard display area 715 are... Figure 7 The above is merely an example. In actual implementation, the numbers in the virtual keyboard display area 715 can be positioned anywhere within the table of the virtual keyboard display area 715. This enhances the security of password input and prevents others from memorizing the positions of the numbers in the virtual keyboard display area 715 to spy on the remitter's password input. Furthermore, if the remitter makes a mistake during password input, they can undo one or more entered passwords in the password input area 714 through the interactive operation of the undo control 716, facilitating re-entry and improving the user experience.

[0132] As can be seen, implementing this optional implementation method can respond to the remitter's terminal's remittance request after password verification, thus improving the security of foreign exchange transactions.

[0133] As an optional implementation, before the sending terminal sends the remittance message corresponding to the remittance information input operation to the receiving terminal, the method further includes: the sending terminal sending a remittance request containing the remittance information corresponding to the remittance information input operation to the sending server, so that the sending server deducts the foreign exchange amount from the payment account based on the remittance information.

[0134] Specifically, the sending terminal sends a remittance request containing remittance information corresponding to the input operation to the sending terminal's server in the following ways: the sending terminal generates a remittance request containing the input operation, encrypts the remittance request, and sends the encrypted remittance request to the sending terminal's server. Further, the sending terminal deducts the foreign exchange amount from the payment account based on the remittance information in the following ways: the sending terminal receives the remittance request and decrypts it according to preset encryption / decryption rules, reads the remittance information from the decrypted request and verifies the legality of the remittance information, and then deducts the foreign exchange amount from the payment account based on the remittance information.

[0135] It can be seen that, by implementing the optional embodiment, the server of the transfer-out party can deduct the foreign exchange amount after the user inputs the remittance information, and thus the server of the intermediate party can timely settle the foreign exchange amount, thereby improving the efficiency of foreign exchange remittance.

[0136] As an optional embodiment, the server of the transfer-out party deducts the foreign exchange amount in the payment account according to the remittance information in the following manner: the server of the transfer-out party detects whether the total foreign exchange amount corresponding to the payment account is greater than the foreign exchange amount, and whether the remittance limit corresponding to the payment account is greater than the foreign exchange amount; if the total foreign exchange amount is greater than the foreign exchange amount and the remittance limit corresponding to the payment account is greater than the foreign exchange amount, the server of the transfer-out party deducts the foreign exchange amount from the payment account and sends a remittance notification to the server of the intermediate party.

[0137] Specifically, the total foreign exchange amount corresponding to the payment account is the foreign exchange balance in the payment account, and the remittance limit corresponding to the payment account is the remaining remittance limit of the payment account within a unit time (e.g., one month). In addition, the manner in which the server of the transfer-out party sends the remittance notification to the server of the intermediate party can be that the server of the transfer-out party sends the remittance notification to the server of the intermediate party and remits the foreign exchange amount to the server of the intermediate party.

[0138] It can be seen that, by implementing the optional embodiment, the deduction operation can be performed when the balance in the payment account is greater than the foreign exchange amount and does not exceed the remittance limit, which can reduce the risk of large illegal remittance.

[0139] As an optional embodiment, the manner in which the server of the transfer-out party detects whether the remittance limit corresponding to the payment account is greater than the foreign exchange amount is that the server of the transfer-out party determines the relevant information of the payment account, the relevant information at least including flow information and account level; the server of the transfer-out party calculates the weighted sum of each information according to the preset weight corresponding to each information in the relevant information; and the server of the transfer-out party determines the remittance limit corresponding to the weighted sum according to the data correspondence relationship and detects whether the remittance limit is greater than the foreign exchange amount.

[0140] Specifically, the above method can further include that the server of the transfer-out party updates the relevant information of the payment account according to the remittance amount and the remittance success rate each time. In addition, the flow information is used to represent the flow of the payment account, and the relationship between the account level and the remittance frequency can be positively correlated or normally distributed. When the relationship between the account level and the remittance frequency is positively correlated, it means that the higher the payment frequency of the payment account, the higher the account level. When the relationship between the account level and the remittance frequency is normally distributed, it means that the higher the payment frequency beyond the peak of the normal distribution, the lower the account level, because there may be a risk of large illegal remittance. In addition, it should be noted that the data correspondence relationship is used to represent the one-to-one correspondence between the remittance limit and the weighted sum.

[0141] It can be seen that, by implementing the optional embodiment, the latest remittance quota can be determined according to the relevant information of the payment account, so that the user can be personalized and different remittance quotas can be provided for different users, which is beneficial to improving the enthusiasm of the user in using the foreign exchange remittance function.

[0142] As an optional embodiment, the manner in which the sender terminal displays the forwarding control for forwarding the remittance message is specifically as follows: the sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are all used for forwarding the remittance message.

[0143] Specifically, the forwarding control is an interactive control. The plurality of forwarding controls corresponding to different forwarding paths can be represented by different identifiers, and the different forwarding paths can correspond to different application programs.

[0144] In addition, before the sender terminal displays the plurality of forwarding controls corresponding to different forwarding paths, the above method can further include: the sender terminal outputs a display window for indicating that the payment is successful; wherein the display window can display remittance information, remittance time, etc., and the embodiments of the present application are not limited thereto. Please refer to Figure 8 , Figure 8 A schematic diagram of a display window according to an embodiment of the present application is schematically shown. As shown in Figure 8 , if the verification result indicates that the input password is correct, the sender terminal can output a display window 810 for indicating that the payment is successful in the remittance interface 800, and the display window 810 includes a payment time 811, i.e., XXXX-XX-XX XX:XX:XX (for example, 2010-02-02 12:00:00). The display window 810 also includes remittance information 812, i.e., remittance to Li Si HK$500.00. In addition, the remittance interface 800 can also include a sharing control 820 for sharing the remittance message with the recipient user, and when a user operation acting on the sharing control 820 is detected, a plurality of forwarding controls corresponding to different forwarding paths can be displayed.

[0145] On the basis of Figure 8 , please refer to Figure 9 , Figure 9 A schematic diagram of a remittance message sharing window according to an embodiment of the present application is schematically shown. As shown in Figure 9As shown, when detecting a user operation acting on the sharing control 820, a corresponding remittance message sharing window 910 can be output in the remittance interface 900 according to the application corresponding to the sharing control 820. Through the remittance message sharing window 910, the remittance message can be sent to the receiving terminal in the form of a link 911, which can be represented as "[link] you have a remittance to receive. In addition, the remittance message sharing window 910 also includes a message information input area 912, and the user can input the message information related to the foreign exchange transaction in the message information input area 912. Further, when detecting a sending control 914 acting on the remittance message sharing window 910, the remittance message is sent to the receiving terminal; when detecting a cancel control 913 acting on the remittance message sharing window 910, the current process is ended.

[0146] In addition, optionally, if a forwarding operation acting on the forwarding control is detected, the sending terminal can send the remittance message to the receiving terminal in the following manner: the sending terminal determines the target forwarding control selected by the user from the plurality of forwarding controls according to the user selection operation, and forwards the remittance message through the path corresponding to the target forwarding control; wherein the target forwarding control can be one or more, that is, the sending user can select multiple forwarding controls at the same time, that is, the remittance message is forwarded through multiple application programs, so as to improve the probability that the receiving user learns the remittance message in time.

[0147] It can be seen that by implementing the optional embodiment, multiple sharing paths can be provided, so that the remitter user can select the corresponding control according to the demand to send the remittance message, thereby facilitating the improvement of the use experience of the remitter user.

[0148] As an optional embodiment, the manner in which the sending terminal generates the remittance message corresponding to the remittance information input operation is specifically: the sending terminal determines the remitter name corresponding to the remittance information input operation, and generates the remittance message according to the remitter name, wherein the remittance message includes the remittance content and / or the remittance link.

[0149] Specifically, the remittance content can be text content, and the remittance message can also include voice, pictures, etc., which are not limited by the embodiments of the present application.

[0150] In addition, optionally, the manner in which the sending terminal generates the remittance message according to the remitter name can be specifically: the sending terminal replaces the name input part in the remittance message template through the remitter name. For example, the remittance message template is "you receive a remittance of XXX", and the remitter name is "Zhang San", then the sending terminal can replace "XXX" in "you receive a remittance of XXX" with "Zhang San", thereby generating the remittance message "you receive a remittance of Zhang San".

[0151] It can be seen that the optional implementation can generate the remittance message, and the remittance message can remind the payee user to view the remittance in time, thereby improving the use experience of the payee user.

[0152] As an optional implementation, the outputting the display interface includes: outputting the display interface when detecting the interaction operation acting on the remittance message.

[0153] Specifically, the interaction operation acting on the remittance message can be a touch operation, a click operation or a voice input operation, and the embodiments of the present application are not limited thereto.

[0154] When detecting the interaction operation acting on the remittance message 401 in the middle, the display interface 1000 can be outputted. Please refer to Figure 4 When detecting the interaction operation acting on the remittance message 401 in the middle, the display interface 1000 can be outputted. Please refer to Figure 10 Figure 10 The display interface schematic diagram according to an embodiment of the present application is schematically shown. As shown in the figure, Figure 10 The display interface 1000 is used to display the remittance amount and the remittance currency, such as HK$500.00. The display interface 1000 includes an interaction control 1010 for confirming the receipt, and when detecting the receipt operation acting on the interaction control 1010, the currency selection window can be further displayed for the user.

[0155] It can be seen that the optional implementation can display important messages in foreign exchange transactions through the display interface, so that the payee user can know the remittance amount and the remittance currency and other information in time, thereby improving the use experience of the payee user.

[0156] In step S320, the currency selection window is displayed when detecting the receipt operation acting on the interaction control, and the target currency is determined from the currencies displayed in the currency selection window according to the currency selection operation.

[0157] Specifically, the currency selection window is used to display the currencies that can be converted in foreign exchange, and the user can interact with the currency selection control in the currency selection window to select the target currency (such as RMB).

[0158] As an optional implementation, the currency selection window includes a receipt function opening control of a specific currency, and the target currency is determined from the currencies displayed in the currency selection window according to the currency selection operation, including: if the currency selection operation acts on the displayed currency, the currency corresponding to the currency selection operation is determined as the target currency; if the currency selection operation acts on the receipt function opening control, the receipt function is triggered and the specific currency is determined as the target currency.

[0159] ​Specifically, the currency selection window can or can not include a receiving function opening control. If the currency selection window includes the receiving function opening control, the receiving function opening is triggered when the currency selection operation is applied to the receiving function opening control.

[0160] If the currency selection window includes the receiving function opening control, please refer to Figure 11 , Figure 11 An exemplary currency selection window is shown according to an embodiment of the present application. As shown in Figure 11 , when the receiving operation applied to the interactive control is detected, the currency selection window 1110 can be displayed in the display interface 1100. In the currency selection window 1110, the currency 1112 displayed as "Hong Kong Dollar-HK$500.00", the receiving function opening control 1113 displayed as "open RMB receiving function", and the control 1111 for closing the currency selection window can be included. When the currency selection operation is applied to the receiving function opening control 1113, the receiving function opening can be triggered. After the receiving function opening, the currency selection window does not include the receiving function opening control. Further, please refer to Figure 12 , Figure 12 An exemplary currency selection window is shown according to another embodiment of the present application. As shown in Figure 12 , the currency selection window 1210 can be displayed in the display interface 1200. In the currency selection window 1210, the currency 1212 displayed as "Hong Kong Dollar-HK$500.00", the currency 1213 displayed as "RMB-¥455.80", and the control 1211 for closing the currency selection window can be included. The user can select the desired currency from the displayed currencies 1212 and 1213.

[0161] It can be seen that, by implementing the optional embodiment, the related control can be displayed when the receiving function is not opened, so that the user can open the receiving function to receive the foreign exchange of the corresponding currency. If the receiving function is opened, the currency can be displayed for the user to select, thereby improving the user's experience.

[0162] As an optional embodiment, triggering the receiving function opening includes: jumping to a payee information acquisition interface and detecting a payee information input operation; and triggering the receiving function opening according to the payee information corresponding to the payee information input operation.

[0163] Specifically, the payee information acquisition interface includes at least an identity information acquisition page, a work information acquisition page, and a settlement information acquisition page, which are not limited by the embodiments of the present application. In addition, the payee input operation can be a voice input operation or a key input operation. The payee information input operation corresponds to the payee information, which can include at least one of text, image, voice, and the like.

[0164] Referring to Figure 13 , Figure 13 An embodiment of a payee information acquisition interface is shown schematically. As Figure 13 shown, when a receiving operation acting on the interactive control in Figure 11 is detected, the payee information acquisition interface 1300 can be jumped to. If the interactive control in Figure 11 corresponds to the RMB collection function, the payee information acquisition interface 1300 can be used to display the prompt information "You are opening the RMB collection function" as a prompt to the payee user, so as to avoid the problem of opening the RMB collection function due to the mis-touch of the interactive control by the payee user. Further, when a confirmation control 1301 displayed as "Next step" in the payee information acquisition interface 1300 is detected, an identity information acquisition page can be further displayed.

[0165] Referring to Figure 14 , Figure 14 An embodiment of an identity information acquisition page of the payee information acquisition interface is shown schematically. As Figure 14 shown, the identity information acquisition page 1400 can include an identity information upload area 1410, an identity information upload area 1420, an identity information upload control 1411, an identity information upload control 1421, and a prompt information "Upload the original of the ID card". Specifically, the user can interact with the identity information upload control 1411 in the identity information upload area 1410 to upload the front of the original of the ID card, and can interact with the identity information upload control 1421 in the identity information upload area 1420 to upload the back of the original of the ID card. When a user operation acting on the identity information upload control 1411 or the identity information upload control 1421 is detected, the camera can recognize the ID card in the camera area and automatically generate an original ID card image according to the recognition result; or the system can recognize whether the target image selected by the user from the album conforms to the upload rule, and if so, the target image is determined as the original ID card image.

[0166] Further, referring to Figure 15 , Figure 15 An embodiment of a work information acquisition page of the payee information acquisition interface is shown schematically. As Figure 15As shown, when it is detected that there is an image corresponding to the original ID card in the identity information uploading area 1410 and the identity information uploading area 1420, a work information obtaining page 1500 is displayed, the work information obtaining page 1500 is used to display a plurality of to-be-selected items: work information 1 1510, work information 2 1520, work information 3 1530, work information 4 1540, …, work information n 1550, and is also used to display a confirmation control 1560 for confirming the work information, which is represented as “completed”; wherein n is a positive integer greater than or equal to 5. Specifically, when a user operation acting on at least one of the work information 1 1510, the work information 2 1520, the work information 3 1530, the work information 4 1540, …, and the work information n 1550 is detected, the work information display area corresponding to the user operation is highlighted (for example, highlighted) to enable the user to intuitively know the work information he or she selects, such as a doctor, a psychological counselor, etc. In addition, optionally, when a user operation acting on the target work information is detected, it is also possible to detect whether there is a sub-item corresponding to the target work information, and if there is, the sub-item is displayed in the form of a drop-down menu and a user operation acting on the sub-item is detected, and then the sub-item corresponding to the user operation is determined as the work information of the payee.

[0167] Further, please refer to Figure 16 , Figure 16 An exchange information obtaining page schematic diagram of a payee information obtaining interface according to an embodiment of the present application is schematically shown. As Figure 16 shown, when a user operation acting on the confirmation control 1560 is detected, an exchange information obtaining page 1600 can be displayed, the exchange information obtaining page 1600 is used to display a plurality of to-be-selected items: exchange reason 1 1610, exchange reason 2 1620, exchange reason 3 1630, exchange reason 4 1640, …, exchange reason n 1650; wherein n is a positive integer greater than or equal to 5. For example, the exchange reason can include: private tourism, overseas study, overseas business and commercial travel, visiting relatives, overseas medical treatment, goods trade, non-investment insurance, consulting services, and others. Specifically, when a user operation acting on at least one of the exchange reason 1 1610, the exchange reason 2 1620, the exchange reason 3 1630, the exchange reason 4 1640, …, and the exchange reason n 1650 is detected, the payee account selection interface can be further jumped. As can be seen, by providing the selection page of the exchange reason, the user's exchange reason can be known, and then it is beneficial to evaluate the risk degree of the user according to the exchange reason.

[0168] It can be seen that, by implementing the optional embodiment, the receiving function corresponding to the payee information input by the payee user can be started, so that the payee user can receive foreign exchange through a specific currency, thereby improving the use experience of the payee user.

[0169] In step S330, a payee account selection interface is displayed, and a target account is determined according to a payee account selection operation.

[0170] Specifically, the payee account selection interface is used to display selectable bank cards, so that the user can select a target account according to needs. Different bank cards correspond to different accounts, and the selection of a bank card is equivalent to the selection of an account.

[0171] Referring to Figure 17 , Figure 17 An example of a payee account selection interface according to an embodiment of the present application is shown schematically. The payee account selection interface 1700 is used to display a plurality of selectable items: bank card 1 1710, bank card 2 1720, …, bank card n 1730; where n is a positive integer greater than or equal to 3. Specifically, when a user operation acting on a target bank card in the bank card 1 1710, the bank card 2 1720, …, the bank card n 1730 is detected, the account corresponding to the target bank card is determined as the target account, that is, the target account can be the account corresponding to any one of the bank card 1 1710, the bank card 2 1720, …, the bank card n 1730.

[0172] As an optional embodiment, the target account is determined according to the payee account selection operation, which includes determining the target account from at least one account displayed on the payee account selection interface according to the payee account selection operation.

[0173] Specifically, the target account can be one or more. Optionally, when the target account is multiple, the way of transferring the remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency can be: dividing the remittance amount corresponding to the foreign exchange transaction into n equal parts, and transferring the n equal parts of the remittance amount into n target accounts respectively; where n is a positive integer.

[0174] In addition, optionally, the payee account selection operation can be a voice input operation, and the way of determining the target account from at least one account displayed on the payee account selection interface according to the payee account selection operation can be: if a user operation triggering the start of the voice collection function is detected, detecting the voice input operation and collecting the voice signal, and then converting the voice signal into text information, and determining the target account from at least one account displayed on the payee account selection interface according to the text information. This can facilitate the payee user with visual impairment to start the receiving function, so that he can select the account for receiving foreign exchange by voice, thereby improving the use experience of the receiving user.

[0175] It can be seen that, by implementing the optional embodiment, the target account can be selected through user interaction, thereby improving the interactivity of the application.

[0176] In step S340, the remittance amount corresponding to the foreign exchange transaction is remitted into the target account according to the target currency.

[0177] As an optional embodiment, remitting the remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency comprises: jumping to a remittance confirmation interface and, upon detecting a remittance information confirmation operation, feeding back a remittance receiving request to the intermediate party server, so that the intermediate party server determines the remittance amount corresponding to the foreign exchange transaction and the target currency amount corresponding to the remittance amount according to the receiving request, and remits the target currency amount into the target account.

[0178] Specifically, the remittance confirmation interface is used to display all information corresponding to the current foreign exchange transaction, including at least the payee account (such as a bank card number), the account type (such as a bank card), the payee's name (such as Li Si), the type of identification document (such as an ID card), and the identification document number (such as an ID card number). In addition, the intermediate party server can be a bank server for settlement; the remittance receiving request can indicate that all information corresponding to the current foreign exchange transaction has been confirmed by the payee, and the foreign exchange receiving can be further performed.

[0179] Referring to Figure 18 , Figure 18 a remittance confirmation interface diagram according to an embodiment of the application is schematically shown. As Figure 18 shown, after the target account is determined according to the payee account selection operation, the remittance confirmation interface 1800 can be jumped to. The remittance confirmation interface 1800 is used to display all information corresponding to the current foreign exchange transaction, including the payee account, the account type, the payee's name, the type of identification document, and the identification document number. Further, upon detecting the confirmation control 1810 acting on the remittance confirmation interface 1800 and represented as "agree to authorize", the remittance receiving request can be fed back to the intermediate party server and the remittance processing interface can be jumped to. Referring to Figure 19 , Figure 19 a remittance processing interface diagram according to an embodiment of the application is schematically shown. As Figure 19 shown, the remittance processing interface 1900 is used to display the remittance processing progress. Before the remittance is successful, the remittance progress is indicated by the information "processing", and after the remittance is successful, "processing" can be switched to "completed", so that the user can timely know the remittance success message, thereby improving the user's use experience.

[0180] It can be seen that, by implementing the optional embodiment, the remittance can be performed after the user confirms the remittance information, so as to reduce the probability of errors in the remittance information and thus the remittance failure, thereby improving the remittance efficiency and improving the use experience of the payee user.

[0181] As an optional embodiment, the intermediate server can perform the operation of remitting the target currency amount into the target account in the following manner: the intermediate server detects whether the target currency amount is less than the remaining remittance quota, and if so, remits the target currency amount into the target account.

[0182] Specifically, the remaining remittance quota can be a remaining remittance quota within a unit time (e.g., 24 hours). In addition, if the target currency amount is greater than or equal to the remaining remittance quota, the above method can further include the following step: the intermediate server returns the remittance amount corresponding to the foreign exchange transaction to the remitter server, so that the remitter server returns a prompt message indicating that the remittance has failed.

[0183] In addition, the intermediate server can detect whether the target currency amount is less than the remaining remittance quota in the following manner: the intermediate server determines a unit time corresponding to the current time; detects whether the unit time is within a specific period (e.g., the National Day holiday); if the unit time is within the specific period, determines a remittance quota corresponding to the specific period, and calculates the remaining remittance quota within the unit time according to the remittance quota corresponding to the specific period (e.g., 100,000), and then detects whether the target currency amount is less than the remaining remittance quota; if the unit time is not within the specific period, the remaining remittance quota within the unit time is calculated according to the remittance quota corresponding to the unit time (e.g., 50,000), and then the target currency amount is detected whether it is less than the remaining remittance quota; wherein the remittance quotas corresponding to different payee users can be the same or different. It should be noted that the remittance quota corresponding to the specific period can be greater than / less than / equal to the remittance quota corresponding to the unit time, which is not limited by the embodiments of the present application.

[0184] It can be seen that, by implementing the optional embodiment, the amount remittance operation can be performed without exceeding the limit, thereby avoiding the problem that the server determines the user as a risk user due to frequent remittance operations.

[0185] Please refer to Figure 20 , Figure 20 The structural schematic diagram corresponding to the remittance process in the prior art is schematically shown. As Figure 20As shown in the prior art, generally speaking, the remittance process needs the agent bank 2002 to receive the remittance and settle the remittance through the account bank 2003 of the agent bank after the remittance operation is performed at the remittance bank 2001, and then transfer the remittance to the account of the payee 2004. Different agent banks generally correspond to different account banks, and the remittance needs to be determined by the agent bank before the agent bank processes the remittance, which is likely to cause the problem of low remittance efficiency due to the complicated remittance mode. Further, please refer to Figure 21 , Figure 21 The structure diagram corresponding to the remittance process in the prior art is schematically shown. As Figure 21 shown, when the remittance bank 2101 performs the remittance of the currency HDK, the remittance needs to be settled by the clearing bank 2102 of the remittance bank, and the settlement result needs to be cleared and checked by the clearing bank 2103 of the payee bank, and then the settlement fund is remitted to the payee bank 2106. When the remittance bank 2101 performs the remittance of the currency USD, the remittance needs to be settled by the clearing bank 2104 of the remittance bank, and the settlement result needs to be cleared and checked by the clearing bank 2105 of the payee bank, and then the settlement fund is remitted to the payee bank 2106. This is likely to cause the remittance of different currencies to correspond to different clearing banks, that is, the clearing bank that processes the foreign exchange transaction needs to be confirmed before the settlement, transfer and other operations are performed, which is likely to cause the problem of complicated remittance process, and is likely to affect the user experience.

[0186] Please refer to Figure 22 , Figure 22 The structure diagram corresponding to the remittance process according to an embodiment of the present application is schematically shown. As Figure 22 shown, in the present application, the remittance bank 2201 can directly remit the remittance to the agent bank 2202 to immediately settle the remittance by the pre-stored fund in the agent bank, so as to more quickly and conveniently transfer the remittance to the account of the payee 2203, improve the remittance efficiency by simplifying the remittance process, and improve the user experience. Further, please refer to Figure 23 , Figure 23 The structure diagram corresponding to the remittance process according to an embodiment of the present application is schematically shown. As Figure 23 shown, it includes steps S2300-S2380, wherein: step S2300: sending a remittance request. Step S2310: inputting the remittance amount and selecting the remittance reason. Step S2320: verifying the correctness of the payment password. Step S2330: sending a remittance message to the payee. Step S2340: receiving the remittance message. Step S2350: triggering the opening of the RMB receiving function. Step S2360: selecting the account of the payee. Step S2370: selecting the currency. Step S2380: receiving the remittance.

[0187] Specifically, after the remittance bank receives the remittance request sent by the sender terminal, the sender terminal can also detect the remittance amount input by the user and the remittance reason selected by the user and perform a payment password verification on the user, and after the verification succeeds, a remittance message can be sent to the payee. At the same time, the remittance bank can complete the settlement, deduction and other operations on the remittance through the agent bank. Further, after receiving the remittance message, the receiver terminal can detect whether it has the RMB receiving function, if not, the payee information can be perfected according to the user operation, if it has, the payee account and the currency selected by the user can be detected, and then the payee can be received according to the payee account and the currency. Compared with the prior art, the remittance process can be simplified, the remittance efficiency can be improved, and the user experience can be improved.

[0188] Further, in the example embodiment, an exchange transaction processing system is also provided, comprising a sender terminal, a transfer-out server, an intermediate server, a receiver server and a receiver terminal, wherein:

[0189] The sender terminal is configured to send a remittance request to the transfer-out server and send a remittance message to the receiver terminal.

[0190] The transfer-out server is configured to process the remittance request and send a remittance notification to the intermediate server.

[0191] The receiver terminal is configured to determine that an exchange transaction is detected when the remittance message is received, and output a display interface; wherein the display interface is configured to display exchange information corresponding to the exchange transaction, and the display interface includes an interactive control for receiving the exchange.

[0192] The receiver terminal is further configured to display a currency selection window when a receiving operation acting on the interactive control is detected, and determine a target currency from the currencies displayed in the currency selection window according to a currency selection operation.

[0193] The receiver terminal is further configured to display a payee account selection interface and determine a target account according to a payee account selection operation.

[0194] The intermediate server is configured to, after receiving the remittance notification, remit a remittance amount corresponding to the exchange transaction into the target account of the receiver server according to the target currency.

[0195] Specifically, please refer to Figure 24 , Figure 24 The timing diagram schematically shows an exchange transaction processing method according to an embodiment of the present application, which includes a sender terminal, a transfer-out server, an intermediate server, a receiver server and a receiver terminal. As shown in Figure 24As shown, the timing diagram of the foreign exchange transaction processing method includes steps S2400-S2440, wherein steps S2400-S2418 are used to represent the remittance process, steps S2420-S2436 are used to represent the return process, and steps S2438-S2440 are used to represent the order query process, specifically:

[0196] Step S2400 can include: when the amount transfer operation is detected, the sender terminal can send the remittance request to the transfer server according to the remittance information corresponding to the remittance information input operation.

[0197] Step S2402 can include: the transfer server (e.g., the remittance bank server) assembles the message according to the remittance information, determines the remittance channel corresponding to the foreign exchange transaction, and performs anti-money laundering scanning on the foreign exchange transaction.

[0198] Step S2404 can include: the transfer server sends a remittance notification to the intermediate server (e.g., the settlement bank server).

[0199] Step S2406 can include: the intermediate server performs settlement processing on the remittance amount corresponding to the target currency to determine the remittance amount corresponding to the target currency after confirming that the foreign exchange transaction has passed the anti-money laundering scanning, and deducts the sender's account according to the remittance amount corresponding to the target currency.

[0200] Step S2408 can include: the intermediate server feeds back the success of the deduction to the transfer server (e.g., the remittance bank server).

[0201] Step S2410 can include: the intermediate server determines the target account determined by the receiver terminal and remits the target account in the receiver server.

[0202] Step S2412 can include: the receiver server feeds back the account to the receiver terminal, so that the user can know the remittance account message in time.

[0203] Step S2414 can include: the receiver server feeds back the account to the intermediate server.

[0204] Step S2416 can include: the intermediate server feeds back the account to the transfer server.

[0205] Step S2418 can include: the transfer server updates the order status corresponding to the foreign exchange transaction to successful account.

[0206] Step S2420 can include: when the intermediate server detects that the foreign exchange transaction fails the anti-money laundering scanning or the remittance amount corresponding to the foreign exchange transaction is greater than the remaining remittance quota within a unit time, the remittance operation can be performed.

[0207] Step S2422 may include: the intermediary server sending a refund feedback to the sending server.

[0208] Step S2424 may include: the sending server providing a refund feedback to the sending terminal.

[0209] Step S2426 may include: when the receiving server detects an anomaly in the target account (e.g., the target account is frozen), a refund operation may be performed.

[0210] Step S2428 may include: the sending server sending a refund notification to the intermediary server.

[0211] Step S2430 may include: the intermediary server settling the payment account according to the target currency amount of the refund.

[0212] Step S2432 may include: the intermediary server sending a refund notification to the sending server.

[0213] Step S2434 may include: the sending server performing a refund operation.

[0214] Step S2436 may include: the sending server sending a refund notification to the sending terminal.

[0215] Step S2438 may include: the sending server may send a query request to the intermediary server to query the current status of the foreign exchange transaction based on the detected user request or system rules.

[0216] Step S2440 may include: the intermediary server may respond to the query request based on the query permissions of the sending server and send the current status of the foreign exchange transaction back to the sending server.

[0217] It is evident that implementation Figure 24 The sequence diagram shown demonstrates how remittances can be transferred to the user's chosen account based on the selected currency, without requiring additional verification information. This simplifies foreign exchange receiving and improves remittance efficiency. Furthermore, by simplifying the foreign exchange receiving process and increasing remittance efficiency, it shortens the user's remittance waiting time, achieving instant arrival and thus improving the user experience.

[0218] Please see Figure 25 , Figure 25 A flowchart illustrating a foreign exchange transaction processing method according to an embodiment of this application is shown schematically. Figure 25 As shown, the foreign exchange transaction processing method includes steps S2500 to S2570, wherein:

[0219] Step S2500: The sender terminal outputs a remittance interface according to the detected money transfer operation, and detects a remittance information input operation in the remittance interface.

[0220] Step S2510: When detecting a confirmation operation on the confirmation control, the sender terminal outputs a password verification window to verify the correctness of the password, and generates a remittance message corresponding to the remittance information input operation if the verification result indicates that the input password is correct.

[0221] Step S2520: The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and sends the remittance message to the receiver terminal if a forwarding operation on the forwarding control is detected.

[0222] Step S2530: The sender terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and sends the remittance message to the receiver terminal if a forwarding operation on the forwarding control is detected, so that the receiver terminal determines that a foreign exchange transaction is detected and displays the remittance message.

[0223] Step S2540: The receiver terminal outputs a display interface when detecting an interaction operation on the remittance message; wherein the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange.

[0224] Step S2550: When detecting a receiving operation on the interactive control, the receiver terminal displays a currency selection window, and determines the target currency as the currency corresponding to the currency selection operation if the currency selection operation is applied to the displayed currency, or determines the target currency as a specific currency if the currency selection operation is applied to the receiving function start control.

[0225] Step S2560: The receiver terminal jumps to a collection account selection interface and determines a target account from at least one account displayed in the collection account selection interface according to a collection account selection operation.

[0226] Step S2570: The receiver terminal jumps to a remittance confirmation interface and feeds back a remittance receiving request to the intermediate server when detecting a remittance information confirmation operation, so that the intermediate server determines the remittance amount corresponding to the foreign exchange transaction and the target currency amount corresponding to the remittance amount according to the receiving request, and remits the target currency amount into the target account.

[0227] It should be noted that steps S2500-S2570 correspond to each step and its embodiments shown in Figure 3 , and for the specific implementation of steps S2500-S2570, please refer to each step and its embodiments shown in Figure 3 , which will not be described here.

[0228] As can be seen, the method shown in the embodiment Figure 25 According to the currency selected by the user, the remittance amount can be remitted into the account selected by the user without the user inputting other verification information, so as to simplify the foreign exchange receiving operation and improve the remittance efficiency. In addition, the remittance waiting time of the user can be shortened, that is, the instant account arrival is realized, so as to improve the user experience.

[0229] Further, in the example embodiment, a foreign exchange transaction processing device is also provided. Referring to Figure 26 The foreign exchange transaction processing device 2600 can include an interface output unit 2601, a window display unit 2602, an interface jump unit 2603, an account determination unit 2604, and a transaction execution unit 2605, wherein:

[0230] The interface output unit 2601 is configured to output a display interface when a foreign exchange transaction is detected; wherein the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange;

[0231] The window display unit 2602 is configured to display a currency selection window when a receiving operation acting on the interactive control is detected, and determine a target currency from the currencies displayed in the currency selection window according to a currency selection operation;

[0232] The interface jump unit 2603 is configured to jump to a collection account selection interface;

[0233] The account determination unit 2604 is configured to determine a target account according to a collection account selection operation;

[0234] The transaction execution unit 2605 is configured to remit a remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency.

[0235] As can be seen, the device shown in the embodiment Figure 26 According to the currency selected by the user, the remittance amount can be remitted into the account selected by the user without the user inputting other verification information, so as to simplify the foreign exchange receiving operation and improve the remittance efficiency. In addition, the remittance waiting time of the user can be shortened, that is, the instant account arrival is realized, so as to improve the user experience.

[0236] In an example embodiment of the present application, the device further includes a message display unit (not shown), wherein:

[0237] The message display unit is configured to determine that a foreign exchange transaction is detected and display a remittance message when a remittance message sent by a sender terminal is received before the display interface is output.

[0238] It can be seen that the optional embodiment can remind the receiver user of the remittance by displaying the remittance message, so that the receiver user can know the message of detecting the foreign exchange transaction in time, and the receiver user can handle the remittance event according to the needs, thereby improving the use experience of the receiver user.

[0239] In an example embodiment of the present application, the manner in which the sender terminal sends the remittance message is specifically as follows:

[0240] The sender terminal outputs a remittance interface according to the detected money transfer operation, and detects a remittance information input operation in the remittance interface;

[0241] The sender terminal sends a remittance message corresponding to the remittance information input operation to the receiver terminal;

[0242] The remittance interface at least includes a payment account selection area, a remittance reason selection area, a remittance amount input area, and a remittance currency selection area.

[0243] It can be seen that the optional embodiment can output the corresponding remittance interface according to the user operation and obtain the remittance information, and improve the use experience of the user by providing multiple remittance methods.

[0244] In an example embodiment of the present application, the remittance interface further includes a confirmation control, and the manner in which the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal is specifically as follows:

[0245] The sender terminal outputs a password verification window to perform password correctness verification when detecting a confirmation operation acting on the confirmation control;

[0246] If the verification result indicates that the input password is correct, the sender terminal generates a remittance message corresponding to the remittance information input operation;

[0247] The sender terminal displays a forwarding control for forwarding the remittance message;

[0248] If a forwarding operation acting on the forwarding control is detected, the sender terminal sends the remittance message to the receiver terminal.

[0249] It can be seen that the optional embodiment can respond to the remittance request of the sender terminal after password verification, which can improve the security of foreign exchange transactions.

[0250] In an example embodiment of the present application, before the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal, it further includes:

[0251] The sender terminal sends a remittance request containing remittance information corresponding to the remittance information input operation to the transfer-out server, so that the transfer-out server deducts the foreign exchange amount from the payment account according to the remittance information.

[0252] It can be seen that, by implementing the optional embodiment, the transfer-out server can deduct the corresponding amount after the user inputs the remittance information, which is conducive to the intermediate server to timely settle the deducted foreign exchange amount, thereby improving the efficiency of foreign exchange remittance.

[0253] In an exemplary embodiment of the present application, the manner in which the transfer-out server deducts the foreign exchange amount from the payment account according to the remittance information is as follows:

[0254] The transfer-out server detects whether the total foreign exchange amount corresponding to the payment account is greater than the foreign exchange amount, and detects whether the remittance quota corresponding to the payment account is greater than the foreign exchange amount.

[0255] If the total foreign exchange amount is greater than the foreign exchange amount and the remittance quota corresponding to the payment account is greater than the foreign exchange amount, the transfer-out server deducts the foreign exchange amount from the payment account and sends a remittance notification to the intermediate server.

[0256] It can be seen that, by implementing the optional embodiment, the deduction operation can be performed when the balance in the payment account is greater than the foreign exchange amount and does not exceed the remittance quota, which can reduce the risk of large-scale illegal remittance.

[0257] In an exemplary embodiment of the present application, the manner in which the transfer-out server detects whether the remittance quota corresponding to the payment account is greater than the foreign exchange amount is as follows:

[0258] The transfer-out server determines the relevant information of the payment account, and the relevant information at least includes flow information and account level.

[0259] The transfer-out server calculates the weighted sum of each information according to the preset weight corresponding to each information in the relevant information.

[0260] The transfer-out server determines the remittance quota corresponding to the weighted sum according to the data correspondence relationship, and detects whether the remittance quota is greater than the foreign exchange amount.

[0261] It can be seen that, by implementing the optional embodiment, the latest remittance quota can be determined for the payment account according to the relevant information of the payment account, which can individualize the user and provide different remittance quotas for different users, which is conducive to improving the enthusiasm of the user to use the foreign exchange remittance function.

[0262] In an exemplary embodiment of the present application, the manner in which the sender terminal displays the forwarding control for forwarding the remittance message is as follows:

[0263] The sending terminal displays a plurality of forwarding controls corresponding to different forwarding paths, and the plurality of forwarding controls are all used for forwarding the remittance message.

[0264] It can be seen that the optional embodiment can provide a plurality of sharing paths, so that the remitter user can select the corresponding control according to the needs to send the remittance message, thereby improving the use experience of the remitter user.

[0265] In an exemplary embodiment of the present application, the manner in which the sending terminal generates the remittance message corresponding to the remittance information input operation is specifically as follows:

[0266] The sending terminal determines the remitter name corresponding to the remittance information input operation, and generates the remittance message according to the remitter name, wherein the remittance message includes the remittance content and / or the remittance link.

[0267] It can be seen that the optional embodiment can generate the remittance message, which can remind the payee user to view the remittance in time, thereby improving the use experience of the payee user.

[0268] In an exemplary embodiment of the present application, the interface output unit 2601 outputs a display interface, including:

[0269] The display interface is output when the interaction operation acting on the remittance message is detected.

[0270] It can be seen that the optional embodiment can display important messages in the foreign exchange transaction through the display interface, so that the payee user can know the remittance amount and the remittance currency and the like in time, thereby improving the use experience of the payee user.

[0271] In an exemplary embodiment of the present application, the currency selection window includes a receiving function opening control of a specific currency, and the window display unit 2602 determines the target currency from the currencies displayed in the currency selection window according to the currency selection operation, including:

[0272] If the currency selection operation acts on the displayed currency, the currency corresponding to the currency selection operation is determined as the target currency;

[0273] If the currency selection operation acts on the receiving function opening control, the receiving function is triggered and the specific currency is determined as the target currency.

[0274] It can be seen that the optional embodiment can display the related control when the receiving function is not opened, so that the user can open the receiving function to receive the foreign exchange of the corresponding currency, and if the receiving function is opened, the currency can be displayed for the user to select, thereby improving the use experience of the user.

[0275] In an example embodiment of the present application, the window display unit 2602 triggers the receiving function to be turned on, including:

[0276] Jumping to the payee information acquisition interface and detecting a payee information input operation;

[0277] Triggering the receiving function to be turned on according to the payee information corresponding to the payee input operation.

[0278] It can be seen that, by implementing the optional implementation, the corresponding receiving function can be turned on according to the payee information input by the payee user, so that the payee user can receive foreign exchange through a specific currency, thereby improving the use experience of the payee user.

[0279] In an example embodiment of the present application, the account determination unit 2604 determines the target account according to a payee account selection operation, including:

[0280] Determining the target account from at least one account displayed on the payee account selection interface according to the payee account selection operation.

[0281] It can be seen that, by implementing the optional implementation, the target account can be selected through user interaction, thereby facilitating the interactivity of the present application.

[0282] In an example embodiment of the present application, the transaction execution unit 2605 transfers the remittance amount corresponding to the foreign exchange transaction into the target account according to the target currency, including:

[0283] Jumping to the remittance confirmation interface and, when detecting a remittance information confirmation operation, feeding back a remittance receiving request to the intermediate party server, so that the intermediate party server determines the remittance amount corresponding to the foreign exchange transaction and the target currency amount corresponding to the remittance amount according to the receiving request, and transfers the target currency amount into the target account.

[0284] It can be seen that, by implementing the optional implementation, the remittance can be executed after the user confirms the remittance information, which can reduce the probability of errors in the remittance information and thus cause the remittance to fail, thereby facilitating the remittance efficiency and improving the use experience of the payee user.

[0285] In an example embodiment of the present application, the way in which the intermediate party server transfers the target currency amount into the target account is specifically:

[0286] The intermediate party server detects whether the target currency amount is less than the remaining remittance quota, and if so, transfers the target currency amount into the target account.

[0287] It can be seen that by implementing the optional embodiment, the problem that the server judges the user as a risk user due to frequent remittance operations can be avoided by performing the money remittance operation when the remittance does not exceed the limit.

[0288] It should be noted that although several modules or units of the device for action execution are mentioned in the foregoing detailed description, such a division is not mandatory. Indeed, according to an embodiment of the application, the features and functionalities of two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functionalities of one module or unit described above can be further divided into several modules or units embodied.

[0289] Since the various functional modules of the foreign exchange transaction processing device of the example embodiments of the present application correspond to the steps of the example embodiments of the foreign exchange transaction processing method described above, for details not disclosed in the device embodiments of the present application, please refer to the above-mentioned embodiments of the foreign exchange transaction processing method of the present application.

[0290] As another aspect, the present application also provides a computer readable medium, which can be contained in the electronic device described in the above embodiments, or can exist independently without being assembled into the electronic device. The computer readable medium carries one or more programs, which when executed by the electronic device, enable the electronic device to implement the method described in the above embodiments.

[0291] It should be noted that computer-readable media in this disclosure can be computer-readable storage media, or computer-readable signal media, or any combination thereof. Computer-readable storage media can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In this disclosure, computer-readable storage media can be any tangible medium that can contain or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this disclosure, a computer-readable signal medium can include a computer-readable storage medium, or any computer-readable medium that can transmit or propagate code in the form of computer-readable instructions or data structures over a transmission medium, either in baseband or as part of a carrier wave. Examples of a computer-readable signal medium can include, but are not limited to, any computer-readable medium that can communicate, propagate, or transport programming code, such as an electrical, electromagnetic, or optical carrier signal, or any combination of the foregoing. A computer-readable medium can be any computer-readable medium, or any combination of computer-readable media, that is capable of storing, or carrying instruction sequences that are executable by an instruction execution system. Computer-readable media can also be, or be included in, any computer-readable storage media, or any combination of computer-readable storage media.

[0292] The flow diagrams and the block diagrams in the drawings are illustrations of architectures, functional processes, and operational processes, according to various embodiments of the present application. In this regard, each block in the flow diagrams or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and / or flow diagrams, and combinations thereof, can be implemented by special purpose hardware-based systems that perform the specified functions or operations, or combinations of special purpose hardware and computer instructions.

[0293] The units described in the embodiments of the present application can be implemented by software, or by hardware, or by a combination of software and hardware. The units described can also be located in a single processor. In some cases, the names of the units do not constitute a limitation on the units themselves.

[0294] Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. It is intended that the present application cover any and all variations of the application that come within the scope of the present application, along with all of the equivalents thereof. It is intended that the description and examples be considered exemplary only, with the true scope and spirit of the application being indicated by the following claims.

[0295] It is to be understood that the application is not limited to the precise details of design and construction described herein and illustrated in the drawings. Various modifications and changes can be made within the scope of the application. The scope of the application is limited only by the claims that follow.

Claims

1. A foreign exchange transaction processing method characterized by comprising: The method is applied to a foreign exchange transaction processing system, the foreign exchange transaction processing system comprising a sender terminal, a remittance bank server, a settlement bank server, a receiving remittance bank server and a receiver terminal, and the method comprises: outputting a display interface when the receiver terminal detects a foreign exchange transaction; wherein the display interface is used to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface comprises an interactive control for receiving foreign exchange, and the receiver terminal detects the foreign exchange transaction after the remittance bank server deducts a remittance amount from a payment account of a sender in the remittance bank server and remits the remittance amount into the settlement bank server according to remittance information from the sender terminal, and the sender terminal is used to output a remittance interface comprising a remittance purpose selection area for selecting a remittance purpose; displaying a currency selection window when the receiver terminal detects a receiving operation acting on the interactive control, and the currency selection window comprises a receiving function start control of a specific currency, if a currency selection operation acts on a displayed currency, determining the currency corresponding to the currency selection operation as a target currency, if the currency selection operation acts on the receiving function start control, determining the specific currency as the target currency, and jumping to a payee information acquisition interface, and the payee information acquisition interface comprises at least an identity information acquisition page and a settlement information acquisition page, and the settlement information acquisition page is used to acquire a settlement reason; detecting a payee information input operation; and triggering a receiving function start according to payee information corresponding to the payee information input operation; the receiver terminal displays a payee account selection interface and determines a target account from accounts corresponding to different bank cards displayed in the payee account selection interface according to a payee account selection operation; the settlement bank server detects whether a target currency amount corresponding to the remittance amount is less than a remaining remittance quota of the receiver, if less than the remaining remittance quota, remits the target currency amount corresponding to the remittance amount into the target account in the receiving remittance bank server according to the target currency, so as to perform instant settlement by the remittance bank pre-storing funds in the settlement bank; the remittance amount corresponds to the foreign exchange transaction; if greater than the remaining remittance quota, performs a remittance cancellation operation; the remittance bank server sends a query request for querying a current state corresponding to the foreign exchange transaction to the settlement bank server; and the settlement bank server feeds back the current state corresponding to the foreign exchange transaction to the remittance bank server according to the query request in response to a query permission of the remittance bank server.

2. The method of claim 1, wherein, Before outputting the display interface, the method further comprises: determining that the foreign exchange transaction is detected and displaying a remittance message when the remittance message sent by the sender terminal is received.

3. The method of claim 2, wherein, The sender terminal sends the remittance message in the following manner: the sender terminal outputs a remittance interface according to a detected amount transfer operation, and detects a remittance information input operation in the remittance interface; The sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal; The remittance interface comprises at least a payment account selection area, a remittance reason selection area, a remittance amount input area and a remittance currency selection area.

4. The method of claim 3, wherein, The remittance interface further comprises a confirmation control, and the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal in the following manner: When the sender terminal detects a confirmation operation on the confirmation control, the sender terminal outputs a password verification window to verify the correctness of the password; If the verification result indicates that the input password is correct, the sender terminal generates the remittance message corresponding to the remittance information input operation; The sender terminal displays a forwarding control for forwarding the remittance message; If a forwarding operation on the forwarding control is detected, the sender terminal sends the remittance message to the receiver terminal.

5. The method of claim 3, wherein, Before the sender terminal sends the remittance message corresponding to the remittance information input operation to the receiver terminal, the method further comprises: The sender terminal sends a remittance request containing the remittance information corresponding to the remittance information input operation to the remittance bank server, so that the remittance bank server deducts the remittance amount from the payment account according to the remittance information.

6. The method of claim 5, wherein, The remittance bank server deducts the remittance amount from the payment account according to the remittance information in the following manner: The remittance bank server detects whether the total amount of foreign exchange corresponding to the payment account is greater than the remittance amount, and whether the remittance limit corresponding to the payment account is greater than the remittance amount; If the total amount of foreign exchange is greater than the remittance amount and the remittance limit corresponding to the payment account is greater than the remittance amount, the remittance bank server deducts the remittance amount from the payment account and sends a remittance notification to the settlement bank server.

7. The method of claim 6, wherein, The remittance bank server detects whether the remittance limit corresponding to the payment account is greater than the remittance amount in the following manner: The remittance bank server determines the relevant information of the payment account, which at least includes flow information and account level; The remittance bank server calculates the weighted sum of the information according to the preset weight corresponding to each information in the relevant information; The remittance bank server determines the remittance limit corresponding to the weighted sum according to the data correspondence relationship, and detects whether the remittance limit is greater than the remittance amount.

8. The method of claim 1, wherein, According to the target currency, the target currency amount corresponding to the remittance amount is remitted into the target account in the receiving remittance bank server, comprising: Jumping to the remittance confirmation interface and, when detecting a remittance information confirmation operation, feeding back a remittance receiving request to the settlement bank server, so that the settlement bank server determines the remittance amount corresponding to the foreign exchange transaction and the target currency amount corresponding to the remittance amount according to the receiving request, and remits the target currency amount into the target account.

9. A foreign exchange transaction processing system characterized by comprising: Comprising a sender terminal, a remittance bank server, a settlement bank server, a receiving remittance bank server and a receiver terminal, wherein: The sender terminal is configured to send a remittance request containing remittance information to the remittance bank server and send a remittance message to the receiver terminal, and output a remittance interface containing a remittance purpose selection area for selecting a remittance purpose. The remittance bank server is configured to deduct a remittance amount from a payment account of the sender in the remittance bank server according to the remittance information from the sender terminal, remit the remittance amount to the settlement bank server, and send a remittance notification to the settlement bank server. The receiver terminal is configured to determine that a foreign exchange transaction is detected when the remittance message is received, and output a display interface; the display interface is configured to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface includes an interactive control for receiving foreign exchange. The receiver terminal is further configured to display a currency selection window when a receiving operation acting on the interactive control is detected, the currency selection window includes a receiving function start control of a specific currency, if a currency selection operation acts on a displayed currency, the currency selection operation corresponding currency is determined as a target currency, if the currency selection operation acts on the receiving function start control, the specific currency is determined as the target currency, and the receiver information acquisition interface is jumped to, the receiver information acquisition interface includes at least an identity information acquisition page and a settlement information acquisition page, the settlement information acquisition page is configured to acquire settlement reasons; detect receiver information input operations; and trigger the receiving function start according to the receiver information corresponding to the receiver input operation. The receiver terminal is further configured to display a receiver account selection interface and determine a target account from accounts corresponding to different bank cards displayed on the receiver account selection interface according to a receiver account selection operation. The settlement bank server is configured to, after receiving the remittance notification, detect whether a target currency amount corresponding to the remittance amount is less than a remaining remittance quota of the receiver, if the target currency amount is less than the remaining remittance quota, remit the target currency amount corresponding to the remittance amount to the target account of the receiver remittance bank server according to the target currency, so that the settlement bank server performs instant settlement by using funds pre-stored in the settlement bank by the remittance bank; the remittance amount corresponds to the foreign exchange transaction; if the target currency amount is greater than the remaining remittance quota, perform a remittance refund operation. The remittance bank server is further configured to send a query request for querying a current state corresponding to the foreign exchange transaction to the settlement bank server; and the settlement bank server is further configured to feed back the current state corresponding to the foreign exchange transaction to the remittance bank server according to the query permission of the remittance bank server in response to the query request.

10. A foreign exchange transaction processing apparatus characterized by comprising: The device is located in a foreign exchange transaction processing system, the foreign exchange transaction processing system includes a sender terminal, a remittance bank server, a settlement bank server, a receiver remittance bank server and a receiver terminal, and the device includes: An interface output unit is configured to output a display interface when the receiving terminal detects the foreign exchange transaction; wherein the display interface is configured to display foreign exchange information corresponding to the foreign exchange transaction, and the display interface comprises an interactive control for receiving foreign exchange; the receiving terminal detects the foreign exchange transaction after the remittance bank server deducts the remittance amount from a payment account of the sender in the remittance bank server and remits the remittance amount into the settlement bank server according to remittance information from the sender terminal; the sender terminal is configured to output a remittance interface comprising a remittance purpose selection area for selecting a remittance purpose; A window display unit is configured to display a currency selection window when the receiving terminal detects a receiving operation acting on the interactive control; the currency selection window comprises a receiving function start control of a specific currency; if a currency selection operation acts on a displayed currency, the currency selection operation corresponding currency is determined as a target currency; if a currency selection operation acts on the receiving function start control, the specific currency is determined as a target currency, and the receiving terminal jumps to a payee information acquisition interface; the payee information acquisition interface comprises at least an identity information acquisition page and a settlement information acquisition page; the settlement information acquisition page is configured to acquire settlement reasons; a payee information input operation is detected; and a receiving function start is triggered according to the payee information corresponding to the payee input operation; An interface jump unit is configured to jump the receiving terminal to a collection account selection interface; An account determination unit is configured to determine a target account from accounts corresponding to different bank cards displayed on the collection account selection interface according to a collection account selection operation of the receiving terminal; A transaction execution unit is configured to determine whether the target currency amount corresponding to the remittance amount is less than a remaining remittance quota of the receiving terminal; if so, remit the target currency amount corresponding to the remittance amount into the target account in the receiving remittance bank server according to the target currency, so as to perform instant settlement by the settlement bank server through funds pre-stored in the settlement bank by the remittance bank; the remittance amount corresponds to the foreign exchange transaction; if not, perform a refund operation; The remittance bank server sends a query request for querying a current state corresponding to the foreign exchange transaction to the settlement bank server; and the settlement bank server feeds back the current state corresponding to the foreign exchange transaction to the remittance bank server according to the query permission of the remittance bank server.

11. A computer readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by a processor to implement the method of any one of claims 1-8.

12. An electronic device, comprising: Comprise: A processor; And A memory for storing executable instructions of the processor; Wherein the processor is configured to execute the method of any one of claims 1-8 by executing the executable instructions.

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