Method and electronic device for providing cross-border offline payment information

Abstract

The embodiment of the present application discloses a method and electronic device for providing cross-border offline payment information, the method comprising: after generating a cross-border transaction order through a target commodity information service system, providing a collection account information for an associated first user, so that an associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the collection account; wherein, the collection account information is obtained by the target commodity information service system applying to a target bank institution; obtaining the remittance status information of the cross-border offline remittance associated with the collection account through the target bank institution; based on the corresponding relationship between the collection account information and the first user, providing the remittance status information to the client associated with the first user. Through the embodiment of the present application, the payee user can obtain specific cross-border offline remittance status information more conveniently and promptly.

Description

Technical Field

[0001] The present application relates to the field of information processing technology, and in particular to a method and electronic device for providing cross-border offline payment information. Background Art

[0002] In a commodity information service system that supports cross-border transactions, buyers and sellers may be from different countries. For example, a seller in China may enter into a specific transaction order with a buyer in another country. The buyer then needs to process the payment for the transaction order before the seller can ship the goods, which raises the issue of cross-border payments.

[0003] In practice, cross-border payment methods can include both online and offline. Online payment allows buyers to pay using credit cards or other online payment tools, while offline payment requires buyers to go to a specific bank to wire funds to the seller's account. Online payment typically offers advantages such as faster payment times, but in cross-border transactions, buyers often rely on offline remittances.

[0004] However, because cross-border offline remittances may need to go through multiple transit banks, the remittance cycle is generally long, often taking T+7 days or even longer to arrive. Before the funds arrive, if the buyer wants to know whether the specific funds have been remitted or where they have been remitted to, etc., they usually have to contact the seller, who can only inquire with the remittance bank. The remittance bank then needs to contact the bank with which it clears to inquire whether the funds have arrived. The remittance bank then contacts the bank at the next node to inquire about the payment. After these inquiries, the results are finally fed back to the payer, who then feedback to the seller. The entire process is long and time-consuming. Summary of the Invention

[0005] This application provides a method and electronic device for providing cross-border offline payment information, which enables the payee user to obtain specific cross-border offline remittance status information more conveniently and promptly.

[0006] This application provides the following solutions:

[0007] A method for providing cross-border offline payment information, comprising:

[0008] After a cross-border transaction order is generated through the target product information service system, the associated first user is provided with payment account information so that the associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the payment account; wherein the payment account information is obtained by the target product information service system through an application to a target banking institution;

[0009] Obtaining, through the target banking institution, remittance status information of the cross-border offline remittance associated with the receiving account;

[0010] The remittance status information is provided to a client associated with the first user based on the correspondence between the receiving account information and the first user.

[0011] The step of obtaining the remittance status information about the cross-border offline remittance through the target banking institution includes:

[0012] receiving a remittance message provided by the target bank institution, wherein the remittance message is provided to the target bank institution by an international interbank cooperation organization; the international interbank cooperation organization is used to monitor the flow of funds of the cross-border offline remittance between multiple bank institution nodes, and when the funds arrive at one of the nodes, obtain the corresponding inter-bank remittance message and send it to the target bank institution;

[0013] By parsing the remittance message related to the receiving account provided by the target bank institution, in-transit remittance line information is obtained, where the in-transit remittance line information includes: the current arrival node of the corresponding payment, and the remittance line corresponding to the cross-border offline remittance generated based on the current arrival node and the historical arrival nodes corresponding to the payment, so as to be provided to the client associated with the first user.

[0014] The remittance message includes an associated remittance service unique identifier, wherein the remittance message associated with the same remittance at each node has the same remittance service unique identifier, so that for multiple remittance messages provided by the target bank institution at different times, it can be determined whether they correspond to the same remittance based on the remittance service unique identifiers carried in the multiple remittance messages.

[0015] The step of obtaining the remittance status information about the cross-border offline remittance through the target banking institution further includes:

[0016] Receive payment notification information provided by the target banking institution regarding the payment received by the receiving account.

[0017] Among them, also include:

[0018] According to the remittance service unique identifier in the remittance message and the remittance unique identifier carried in the payment arrival notification message, the remittance message and the payment arrival notification message corresponding to the same remittance are identified, and the remittance status information is generated after integration.

[0019] Among them, also include:

[0020] If the payment arrival notification message does not carry the remittance service unique identifier, the remittance message is fuzzy matched with the payment arrival notification message based on the amount, time and / or payer information corresponding to the remittance message and the payment arrival notification message.

[0021] Among them, also include:

[0022] One or more of the following information is parsed from the remittance message and / or the payment arrival notification message: the country, currency, collection time, collection amount, and deduction amount of each node, so as to add detailed information for the corresponding node when providing the remittance line information.

[0023] The step of providing the remittance status information to a client associated with the first user includes:

[0024] After receiving the query request initiated by the client associated with the first user, the remittance status information is provided to the client associated with the first user.

[0025] A method for providing cross-border offline payment information, comprising:

[0026] Providing, through the first user client, an operation option for querying remittance status information of a cross-border offline remittance, wherein the cross-border offline remittance is a cross-border offline remittance initiated by the second user to the first user's receiving account after the first user generates a cross-border transaction order with the second user through the target commodity information service system, for use in paying the cross-border transaction order, wherein the receiving account information is obtained by the target commodity information service system through an application to a target banking institution and provided to the first user for use;

[0027] After receiving the query request of the first user through the operation option, the remittance status information of the cross-border offline remittance associated with the receiving account is displayed in the target interface, wherein the remittance status information is provided by the target bank institution to the target commodity information service system.

[0028] A device for providing cross-border offline payment information, comprising:

[0029] A payment account providing unit is configured to provide payment account information to an associated first user after a cross-border transaction order is generated by the target commodity information service system, so that an associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the payment account; wherein the payment account information is obtained by the target commodity information service system through an application to a target banking institution;

[0030] a remittance status information acquiring unit, configured to acquire, through the target banking institution, the remittance status information of the cross-border offline remittance associated with the receiving account;

[0031] The remittance status information providing unit is configured to provide the remittance status information to a client associated with the first user based on the correspondence between the receiving account information and the first user.

[0032] A device for providing cross-border offline payment information, comprising:

[0033] An operation option providing unit, configured to provide, through a first user client, an operation option for querying remittance status information of a cross-border offline remittance, wherein the cross-border offline remittance is a cross-border offline remittance initiated by the second user to the first user's receiving account after the first user generates a cross-border transaction order with the second user through a target commodity information service system, for use in paying the cross-border transaction order, wherein the receiving account information is obtained by the target commodity information service system through an application to a target banking institution and provided to the first user for use;

[0034] An interface display unit is configured to display, in a target interface, the remittance status information of the cross-border offline remittance associated with the receiving account after receiving the query request of the first user through the operation option, wherein the remittance status information is provided by the target bank institution to the target commodity information service system.

[0035] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the steps of any of the aforementioned methods.

[0036] An electronic device, comprising:

[0037] one or more processors; and

[0038] A memory associated with the one or more processors, the memory being used to store program instructions, wherein the program instructions, when read and executed by the one or more processors, execute the steps of any of the aforementioned methods.

[0039] According to the specific embodiments provided in this application, this application discloses the following technical effects:

[0040] Through the embodiment of the present application, for the cross-border transaction order generated by the commodity information service system provided in the embodiment of the present application, the commodity information service system can provide a collection account for the associated first user, so that the second user can make a cross-border offline remittance to the collection account. Wherein, the collection account can be obtained by the commodity information service system by applying for the target banking institution of cooperation. In this way, the commodity information service system can obtain the remittance status information of the cross-border offline remittance associated with the collection account through the target banking institution, and can provide the remittance status information to the client associated with the first user based on the correspondence between the collection account information and the first user. In this way, the first user in the specific commodity information service system can directly query the status information of the cross-border offline remittance through the system, and no longer need to obtain it through consulting with the remitter, and the remitter then consulting with the remittance bank and other hierarchical consultation methods. Therefore, the first user can obtain the specific cross-border offline remittance status information more conveniently and timely.

[0041] Of course, any product implementing the present application does not necessarily need to achieve all of the advantages described above at the same time. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0043] Figure 1 It is a schematic diagram of the system architecture provided by the embodiment of the present application;

[0044] Figure 2 is a flowchart of the first method provided in an embodiment of the present application;

[0045] Figures 3-1 to 3-3 is a schematic diagram of an interface provided in an embodiment of the present application;

[0046] Figure 4 is a flow chart of the second method provided in an embodiment of the present application;

[0047] Figure 5 is a schematic diagram of a first device provided in an embodiment of the present application;

[0048] Figure 6 is a schematic diagram of a second device provided in an embodiment of the present application;

[0049] Figure 7 Schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0050] The following will be combined with the accompanying drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field are within the scope of protection of this application.

[0051] First, it's important to note that international telegraphic transfers (TT) rely primarily on international interbank cooperatives, such as the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network. Historically, international remittances have utilized various methods, including mail transfers, telegraphic transfers (telegrams), and digital messaging systems, for information transmission and position settlement. To accommodate varying infrastructure levels and accommodate existing payment methods, this has resulted in lengthy remittance cycles. Recipients often struggle to determine whether the remittance has been sent, requiring frequent inquiries from the remitter, who in turn must contact the remitting bank, which in turn must contact the next level of remittance processing, creating a complex and complex process.

[0052] But the present inventor has found in the process realizing the present application that after the remitter initiates international remittance by a banking institution, the organizations such as SWIFT can monitor the circulation situation of this remittance between each node, and, can obtain the remittance message between different banking institutions.For example, a certain remitter has initiated international remittance (at this moment, this banking institution A can be the starting node on the remittance circuit) to a certain collection account by banking institution A, afterwards, this remittance can first arrive at transit bank B (the second node on the remittance circuit), then from transit bank C (the third node on the remittance circuit), finally arrive at the collection bank institution D (the ending node on the remittance circuit) that the collection account belongs to.And starting from node A, SWIFT just can monitor this remittance, afterwards, arrive at the intermediate nodes such as node B, C, SWIFT also can obtain relevant remittance message. A specific remittance message may include: information such as the remitter, country, time of remittance, amount, and currency provided by Node A; information such as the transit bank, time of receipt, fee (i.e., transit fee), and currency of the transit bank fee obtained through the transit node. Furthermore, SWIFT will provide these remittance messages to the final node, banking institution D, at each node. In other words, after the remittance is sent from Node A, and when it reaches Nodes B and C, SWIFT will send a remittance message to Node D, allowing Node D to be informed of the current status of the specific remittance.

[0053] In other words, the bank institution to which the specific recipient's receiving account belongs can obtain specific remittance status information from SWIFT. In addition, when the specific remittance amount is credited to the bank institution, although SWIFT no longer sends the remittance message to the bank institution, the bank institution can perceive the deposit information at this time. Therefore, the bank institution can obtain information about each node on the specific remittance line.

[0054] Based on the above situation, in an embodiment of the present application, a collection account information for receiving payment can be provided to a seller user (also referred to as a merchant user, in this embodiment of the application, uniformly referred to as the first user, and correspondingly, the buyer user is referred to as the second user) in a commodity information service system that specifically supports cross-border transactions. That is, after a first user and a second user reach a transaction through the commodity information service system in the embodiment of the present application and a transaction order is generated, the first user can use the collection account provided by the system to receive payment, and correspondingly, the second user remits the specific amount to the collection account. Among them, the collection account here can be applied for by the commodity information service system to a bank institution with which it has a cooperative relationship, that is, the "owner" of such a collection account can be the commodity information service system, and the commodity information service system provides the right to use the collection account to the first user. In this way, the first user can use this collection account to receive payment from the second user during the transaction with the second user through the commodity information service system (of course, after the specific amount is received, the first user can also "withdraw" the amount in this collection account to his own account).

[0055] In this way, since the "owner" of the receiving account used by the user during the transaction is the commodity information service system, the commodity information service system can negotiate with the specific banking institution, for example, providing relevant interfaces to the banking institution to which the receiving account belongs, so that the banking institution can call this interface to provide the remittance message provided by SWIFT and the notification message of the specific remittance being credited to the receiving account to the commodity information service system.

[0056] Correspondingly, the commodity service information system can parse the received remittance message or notification message, extract the specific node, amount, time and other information of the current remittance location, and use this information to obtain the remittance route information. In addition, since there is a corresponding relationship between the specific receiving account and the first user, the client on the first user side can provide the first user with an option to query cross-border remittance information. After the first user initiates the query, the specific remittance status information can be provided in the relevant interface of the client, including the node where the remittance is currently located and the nodes that have been passed through. In addition, the country, currency, amount, handling fee amount, etc. corresponding to each node can also be provided.

[0057] It can be seen that from the perspective of system architecture, the embodiment of the present application can provide fund management services for the first user based on the commodity information service system that supports cross-border transactions. For example, in specific implementation, Figure 1 As shown, the commodity information service system usually provides a client for the first user (such as a seller user). This client can exist in the form of a workbench, etc., through which the first user can publish commodities, conduct marketing management, ship goods, collect payments, etc. Among them, there can also be a module for fund management in this platform, whose basic function is to provide the first user with functions such as fund management, operation, and cash withdrawal. In the embodiment of the present application, the fund management module can be used to provide the first user with a query function for cross-border remittance lines. When the first user initiates a query, the remittance status information of the cross-border offline remittance corresponding to the associated collection account can be summarized and integrated by the service end and displayed in a specific interface. In this way, the first user can quickly obtain the status of the specific cross-border offline remittance without contacting the second user (for example, an overseas buyer user) or querying layer by layer. In addition, in a preferred manner, more detailed information such as the corresponding handling fee amount when the specific amount arrives at each node can also be obtained.

[0058] The specific implementation scheme provided in the embodiments of this application is introduced in detail below.

[0059] Example 1

[0060] First, the embodiment of the present application provides a method for providing cross-border offline payment information from the perspective of the service end of the commodity information service system, see Figure 2 , the method may specifically include:

[0061] S201: After a cross-border transaction order is generated through the target product information service system, the payment account information is provided to the associated first user so that the associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the payment account; wherein, the payment account information is obtained by the target product information service system by applying to the target bank institution.

[0062] In an embodiment of the present application, a cross-border remittance line query function is provided to users through a specific commodity information service system. Therefore, as long as the first user and the second user generate a transaction order through the commodity information service system and involve payment using a cross-border offline remittance method, they can query through the solution provided in the embodiment of the present application.

[0063] In an embodiment of the present application, after a specific cross-border transaction order is generated, the specific commodity information service system can provide the first user with specific payment account information. The payment account can be pre-applied by the commodity information service system to a cooperating bank institution. Specifically, in order to facilitate the distinction between the receipts of different second users or to facilitate the association with specific transaction orders, different payment accounts can be provided to the first user when transactions are conducted with different second users. Therefore, a first user may correspond to multiple different payment accounts (such as sub-accounts under the first user's general account), and each payment account can correspond to a different second user. In other words, if a second user enters into a transaction with a first user for the first time, the system will assign a new payment account to the first user. Subsequently, when the second user enters into a transaction with the first user again, the payment will continue to be collected using the payment account. If the first user enters into a transaction with a new second user, a new payment account will be assigned to the first user again. Therefore, in the commodity information service system, each payment account can be associated with a first user and a second user. Then, the corresponding first user and second user can be determined through information such as the account number of the payment account.

[0064] S202: Obtaining remittance status information of the cross-border offline remittance associated with the receiving account through the target banking institution.

[0065] Since the first user's receiving account is provided by a specific commodity information service system, the commodity information service system is eligible to obtain relevant information of the receiving account from the specific bank institution where the account is opened, which may include relevant information of cross-border offline remittances related to the receiving account.

[0066] Specifically, in the embodiment of the present application, the information related to cross-border offline remittances obtained from the opening bank of the receiving account is mainly divided into two categories. The first category is the remittance message information obtained by the opening bank of the specific receiving account from SWIFT, etc., and the second category is the notification message about the specific funds arriving at the opening bank.

[0067] That is to say, from the time the second user initiates a remittance from a remittance bank to the above-mentioned receiving account, to the time it passes through multiple transit banks and finally arrives at the receiving bank (the point where the money finally arrives at the receiving account is not counted), every time the specific amount reaches a node, SWIFT will send a remittance message to the receiving bank. Correspondingly, the receiving bank forwards the message to the commodity information service system in accordance with the agreement. Of course, in the specific implementation, after receiving the remittance message forwarded by SWIFT, the receiving bank can also generate a unique remittance identifier based on the receiving account information, add it to the specific remittance message, and then send it to the commodity information service system. In this way, the commodity information service system can quickly identify whether the remittance messages received at different times correspond to the same receiving account based on this unique remittance identifier.

[0068] In addition, when a specific amount is credited to the receiving account, the receiving bank may also send a notification message to the commodity information service system. In this way, the commodity information service system can obtain remittance route information through the multiple remittance messages provided by the receiving bank and the final deposit notification message. Specifically, the remittance route information may include: the current arrival node of the corresponding amount, as well as the historical arrival nodes corresponding to the current arrival node and the amount, and so on. Of course, when providing the specific payment notification message, the receiving bank may also generate a remittance unique identifier for the notification message. This unique identifier may be the same as the identifier in the remittance message corresponding to the same remittance. In this way, the commodity information service system can identify the remittance message and the payment notification message corresponding to the same remittance based on the remittance service unique identifier in the remittance message and the remittance unique identifier carried in the payment notification message.

[0069] It should be noted here that if the receiving bank does not add a unique remittance identifier when forwarding the remittance message provided by SWIFT, the specific commodity information service system can also identify and integrate each remittance message and arrival notification message by fuzzy matching based on specific information such as the remitter, payee, and amount.

[0070] It should also be noted that remittance route information can also be generated incrementally as information is received from the receiving bank. For example, upon receiving the first remittance message from the receiving bank regarding a specific receiving account, the first node can be generated based on the remitting bank information, country, and amount associated with the message. Subsequently, upon receiving another remittance message regarding the same receiving bank, the second node can be generated based on the specific transit bank information, country, and amount, and so on.

[0071] S203: providing the remittance status information to a client associated with the first user based on the correspondence between the receiving account information and the first user.

[0072] After determining the cross-border remittance route information corresponding to a specific receiving account, since the specific commodity information service system stores the correspondence information between the receiving account and the first user, the second user, etc., the remittance status information can be provided to the client associated with the first user based on the correspondence between the receiving account information and the first user. For example, an operation option for querying cross-border remittance information can be specifically provided to the first user. After the first user initiates a request through this operation option, the remittance status information corresponding to the receiving account associated with the first user can be integrated and displayed in a specific interface.

[0073] As previously mentioned, when providing remittance status information, specific cross-border remittance route information may be included. That is, the first user may be provided with information such as the node where the specific funds are currently located and the nodes they have already passed through. Of course, as previously mentioned, since the specific remittance route information may be generated incrementally, the remittance status information for the same remittance may be different when the first user queries their cross-border remittance information at different time points.

[0074] For example, if the first user initiates a query on his overseas remittance, and the remittance has just been sent from the remittance bank, the remittance route information displayed in the interface can be as follows: Figure 3-1 As shown, the first node can be displayed as a remittance bank, and its status can be displayed as a "completed" state (indicated by symbols such as "√").

[0075] When the first user initiates a query again later, assuming that the remittance has already arrived at the second transit bank after passing through the first transit bank and has been remitted from the second transit bank, at this time, Figure 3-2 As shown, in addition to the remittance bank information, the specific interface can also display the information of the two transit banks, so that the first user can know that the current remittance has been remitted from the second transit bank.

[0076] Later, when the first user initiates a query again, it is assumed that the remittance has arrived at the receiving bank after being transferred through the third transit bank and is currently being processed by the receiving bank. Figure 3-3 As shown, the specific interface can display more complete remittance line information, etc.

[0077] It's important to note that, in practice, a remittance may incur fees and other charges during its transit through multiple intermediary banks, resulting in the recipient receiving less than the remitter's original amount. However, with existing technology, only after the actual foreign exchange arrives in the recipient's account can the recipient determine the total amount of fees deducted during the transit process by subtracting the amount received. However, the recipient still lacks detailed information on the deductions.

[0078] Therefore, in the embodiment of the present application, while obtaining the specific remittance line information, one or more of the following information can also be parsed from the specific remittance message or the deposit notification message of the receiving bank: the country, currency, collection time, collection amount, and handling fee amount of each node. In this way, when providing the remittance line information, detailed information can also be added for the corresponding node. For example, Figures 3-1 to 3-3 As shown, while displaying the information of each node, it can also display the specific amount, deduction status, date, time, etc. In this way, the first user can not only understand the specific foreign exchange remittance route and the transit banks it passes through, but also obtain more detailed information such as the deduction details at each transit bank.

[0079] It should be noted that, in specific implementations, since a specific receiving account may be provided based on the specific circumstances of the second user associated with a specific order, and there may be situations where the same first user and multiple second users generate different transaction orders during the same period, when transactions are generated with different second users, the commodity information service system will provide different receiving accounts for the first user. In other words, different second users use different receiving accounts when remitting money to the same first user. Therefore, the remittance status information provided by the receiving bank for the same first user may include status information corresponding to multiple different receiving accounts. In this case, the commodity information service system can identify the remittance status information corresponding to different orders based on the aforementioned unique remittance identifier, or by fuzzy matching based on information such as the payer, payee, and amount. In this way, after the first user initiates a query, multiple different remittance status information can be provided, each corresponding to a different order. In addition, since in actual applications, specific amounts usually need to be manually bound to specific orders by the first user, in specific implementation, a recommended order identifier can be provided to the first user based on specific payer, payee, amount and other information. In this way, the first user only needs to confirm the recommended information to complete the binding of the specific remittance and the order.

[0080] In summary, through the embodiments of the present application, for the cross-border transaction order generated by the commodity information service system provided in the embodiments of the present application, the commodity information service system can provide a collection account for the associated first user, so that the second user can make a cross-border offline remittance to the collection account. Wherein, the collection account can be obtained by the commodity information service system by applying to the target banking institution of cooperation. In this way, the commodity information service system can obtain the remittance status information of the cross-border offline remittance associated with the collection account through the target banking institution, and can provide the remittance status information to the client associated with the first user based on the correspondence between the collection account information and the first user. In this way, the first user in the specific commodity information service system can directly query the status information of the cross-border offline remittance through the system, and no longer need to obtain it by consulting the remitter, and the remitter then consulting the remittance bank and other hierarchical consultation methods. Therefore, the first user can obtain the specific cross-border offline remittance status information more conveniently and timely.

[0081] Example 2

[0082] This second embodiment corresponds to the first embodiment and provides a method for providing cross-border offline payment information from the perspective of the first user client. Figure 4 , the method may include:

[0083] S401: Providing, through a first user client, an operation option for querying remittance status information of a cross-border offline remittance, wherein the cross-border offline remittance is a cross-border offline remittance initiated by the second user to the first user's receiving account after the first user generates a cross-border transaction order with the second user through a target commodity information service system, for use in paying the cross-border transaction order, wherein the receiving account information is obtained by the target commodity information service system through an application to a target banking institution and provided to the first user for use;

[0084] S402: After receiving the query request of the first user through the operation option, the remittance status information of the cross-border offline remittance associated with the receiving account is displayed in the target interface, wherein the remittance status information is provided by the target bank institution to the target product information service system.

[0085] For the undescribed parts in Example 2, please refer to Example 1 and other parts of this application specification, which will not be repeated here.

[0086] It should be noted that the embodiments of the present application may involve the use of user data. In actual applications, user-specific personal data can be used in the scheme described herein within the scope permitted by applicable laws and regulations, subject to the requirements of applicable laws and regulations of the country where the user is located (for example, with the user's explicit consent, effective notification to the user, etc.).

[0087] Corresponding to the first embodiment, the present application embodiment also provides a device for providing cross-border offline payment information, see Figure 5 , the apparatus may include:

[0088] A payment account providing unit 501 is configured to provide payment account information to an associated first user after a cross-border transaction order is generated by the target product information service system, so that an associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the payment account; wherein the payment account information is obtained by the target product information service system through an application to a target bank institution;

[0089] A remittance status information acquisition unit 502 is configured to acquire, through the target banking institution, the remittance status information of the cross-border offline remittance associated with the receiving account;

[0090] The remittance status information providing unit 503 is configured to provide the remittance status information to a client associated with the first user based on the correspondence between the receiving account information and the first user.

[0091] The remittance status information acquisition unit may be used to:

[0092] receiving a remittance message provided by the target bank institution, wherein the remittance message is provided to the target bank institution by an international interbank cooperation organization; the international interbank cooperation organization is used to monitor the flow of funds of the cross-border offline remittance between multiple bank institution nodes, and when the funds arrive at one of the nodes, obtain the corresponding inter-bank remittance message and send it to the target bank institution;

[0093] By parsing the remittance message related to the receiving account provided by the target bank institution, in-transit remittance line information is obtained, where the in-transit remittance line information includes: the current arrival node of the corresponding payment, and the remittance line corresponding to the cross-border offline remittance generated based on the current arrival node and the historical arrival nodes corresponding to the payment, so as to be provided to the client associated with the first user.

[0094] The remittance message includes an associated remittance service unique identifier, wherein the remittance message associated with the same remittance at each node has the same remittance service unique identifier, so that for multiple remittance messages provided by the target bank institution at different times, it can be determined whether they correspond to the same remittance based on the remittance service unique identifiers carried in the multiple remittance messages.

[0095] In addition, the remittance status information acquisition unit can also be used to:

[0096] Receive payment notification information provided by the target banking institution regarding the payment received by the receiving account.

[0097] Furthermore, the device may further include:

[0098] The first identification unit is used to identify the remittance message and the arrival notification message corresponding to the same remittance based on the remittance service unique identifier in the remittance message and the remittance unique identifier carried in the arrival notification message, and integrate them to generate the remittance status information.

[0099] Alternatively, the device may further include:

[0100] The second identification unit is used to perform fuzzy matching on the remittance message and the payment notification message according to the amount, time and / or payer information corresponding to the remittance message and the payment notification message if the payment notification message does not carry the remittance service unique identifier.

[0101] In addition, the device may further include:

[0102] A parsing unit is used to parse one or more of the following information from the remittance message and / or the payment arrival notification message: the country, currency, collection time, collection amount, and deduction amount of each node, so as to add detailed information for the corresponding node when providing the remittance line information.

[0103] In practical applications, the remittance status information providing unit can be used to:

[0104] After receiving the query request initiated by the client associated with the first user, the remittance status information is provided to the client associated with the first user.

[0105] Corresponding to the second embodiment, the present application embodiment also provides a device for providing cross-border offline payment information, see Figure 6 , the apparatus may include:

[0106] An operation option providing unit 601 is configured to provide, through a first user client, an operation option for querying remittance status information of a cross-border offline remittance, wherein the cross-border offline remittance is a cross-border offline remittance initiated by the second user to the first user's receiving account after the first user generates a cross-border transaction order with the second user through a target commodity information service system, for use in paying for the cross-border transaction order, wherein the receiving account information is obtained by the target commodity information service system through an application to a target bank institution and provided to the first user for use;

[0107] The interface display unit 602 is used to display the remittance status information of the cross-border offline remittance associated with the receiving account in the target interface after receiving the query request of the first user through the operation option, wherein the remittance status information is provided by the target bank institution to the target product information service system.

[0108] In addition, an embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the steps of any one of the methods in the aforementioned method embodiments are implemented.

[0109] And an electronic device comprising:

[0110] one or more processors; and

[0111] A memory associated with the one or more processors, the memory being used to store program instructions, wherein the program instructions, when read and executed by the one or more processors, execute the steps of the method described in any one of the aforementioned method embodiments.

[0112] in, Figure 7 The electronic device architecture is shown as an example, and may include a processor 710, a video display adapter 711, a disk drive 712, an input / output interface 713, a network interface 714, and a memory 720. The processor 710, the video display adapter 711, the disk drive 712, the input / output interface 713, the network interface 714, and the memory 720 may be communicatively connected via a communication bus 730.

[0113] Among them, the processor 710 can be implemented by a general-purpose CPU (Central Processing Unit, processor), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, etc., to execute relevant programs to implement the technical solutions provided in this application.

[0114] The memory 720 can be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory), static storage device, dynamic storage device, etc. The memory 720 can store an operating system 721 for controlling the operation of the electronic device 700, and a basic input and output system (BIOS) for controlling the low-level operations of the electronic device 700. In addition, a web browser 723, a data storage management system 724, and a cross-border offline payment information processing system 725, etc. can also be stored. The above-mentioned cross-border offline payment information processing system 725 can be an application program that specifically implements the operations of the aforementioned steps in the embodiment of the present application. In short, when the technical solution provided by the present application is implemented by software or firmware, the relevant program code is stored in the memory 720 and is called and executed by the processor 710.

[0115] The input / output interface 713 is used to connect input / output modules to implement information input and output. The input / output modules can be configured as components in the device (not shown in the figure) or can be externally connected to the device to provide corresponding functions. Input devices may include a keyboard, mouse, touch screen, microphone, various sensors, etc., and output devices may include a display, speaker, vibrator, indicator light, etc.

[0116] The network interface 714 is used to connect to a communication module (not shown) to enable communication between the device and other devices. The communication module can communicate via a wired method (such as USB, network cable, etc.) or a wireless method (such as mobile network, WiFi, Bluetooth, etc.).

[0117] The bus 730 comprises a pathway for transmitting information between the various components of the device (eg, the processor 710 , the video display adapter 711 , the disk drive 712 , the input / output interface 713 , the network interface 714 , and the memory 720 ).

[0118] It should be noted that although the above device only shows the processor 710, video display adapter 711, disk drive 712, input / output interface 713, network interface 714, memory 720, bus 730, etc., in the specific implementation process, the device may also include other components necessary for normal operation. In addition, it will be understood by those skilled in the art that the above device may also include only the components necessary to implement the solution of the present application, and does not necessarily include all the components shown in the figure.

[0119] Through the description of the above embodiments, it can be seen that those skilled in the art can clearly understand that the present application can be implemented by means of software plus a necessary general hardware platform. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which can be stored in a storage medium such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in various embodiments of the present application or certain parts of the embodiments.

[0120] Each embodiment in this specification is described in a progressive manner. The same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. In particular, for system or system embodiments, since they are basically similar to method embodiments, the description is relatively simple. For relevant parts, refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. A person of ordinary skill in the art can understand and implement it without expending creative work.

[0121] The above is a detailed introduction to the method and electronic device for providing cross-border offline payment information provided by this application. Specific examples are used herein to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core ideas of this application. At the same time, for those skilled in the art, according to the ideas of this application, there may be changes in the specific implementation methods and application scope. In summary, the contents of this specification should not be understood as limiting this application.

Claims

1. A method for providing cross-border offline payment information, characterized in that: include: After a cross-border transaction order is generated through the target product information service system, the associated first user is provided with payment account information so that the associated second user can pay for the cross-border transaction order by making a cross-border offline remittance to the payment account; wherein the payment account information is obtained by the target product information service system by applying to the target banking institution, and is provided to the first user for use when the first user first transacts with the second user; wherein the same first user corresponds to multiple different payment accounts, so that when the first user transacts with different second users, different second users make cross-border offline remittances to the first user through different payment accounts; Obtaining, through the target banking institution, remittance status information of the cross-border offline remittance associated with the receiving account; According to the correspondence between the receiving account information and the first user, the remittance status information of the multiple different receiving accounts corresponding to the first user is provided to the client associated with the first user.

2. The method according to claim 1, characterized in that The obtaining, through the target banking institution, the remittance status information of the cross-border offline remittance associated with the receiving account includes: receiving a remittance message provided by the target bank institution, wherein the remittance message is provided to the target bank institution by an international interbank cooperation organization; the international interbank cooperation organization is used to monitor the flow of funds of the cross-border offline remittance between multiple bank institution nodes, and when the funds arrive at one of the nodes, obtain the corresponding inter-bank remittance message and send it to the target bank institution; By parsing the remittance message related to the receiving account provided by the target bank institution, in-transit remittance line information is obtained, where the in-transit remittance line information includes: the current arrival node of the corresponding payment, and the remittance line corresponding to the cross-border offline remittance generated based on the current arrival node and the historical arrival nodes corresponding to the payment, so as to be provided to the client associated with the first user.

3. The method according to claim 2, characterized in that The remittance message includes an associated remittance service unique identifier, wherein the remittance message associated with the same remittance at each node has the same remittance service unique identifier, so that for multiple remittance messages provided by the target banking institution at different times, it can be determined whether they correspond to the same remittance based on the remittance service unique identifiers carried in the multiple remittance messages.

4. The method according to claim 2, characterized in that The step of obtaining the remittance status information of the cross-border offline remittance associated with the receiving account through the target banking institution further includes: Receive payment notification information provided by the target banking institution regarding the payment received by the receiving account.

5. The method according to claim 4, characterized in that Also includes: According to the remittance service unique identifier in the remittance message and the remittance unique identifier carried in the payment notification message, the remittance message and the payment notification message corresponding to the same remittance are identified, and the remittance status information is generated after integration.

6. The method according to claim 5, characterized in that Also includes: If the payment arrival notification message does not carry the remittance service unique identifier, the remittance message is fuzzy matched with the payment arrival notification message according to the amount, time and / or payer information corresponding to the remittance message and the payment arrival notification message.

7. The method according to claim 4, characterized in that Also includes: One or more of the following information is parsed from the remittance message and / or the payment arrival notification message: the country, currency, collection time, collection amount, and deduction amount of each node, so as to add detailed information for the corresponding node when providing the remittance line information.

8. A method for providing cross-border offline payment information, characterized in that: include: An operation option for querying remittance status information of a cross-border offline remittance is provided through a first user client, wherein the cross-border offline remittance is a cross-border offline remittance initiated by the second user to the first user's receiving account after the first user generates a cross-border transaction order with the second user through a target commodity information service system, for payment of the cross-border transaction order, wherein the receiving account information is obtained by the target commodity information service system through an application to a target banking institution, and is provided to the first user for use when a transaction is first generated between the first user and the second user; wherein the same first user corresponds to multiple different receiving accounts, so that when the first user generates a transaction with different second users, different second users make cross-border offline remittances to the first user through different receiving accounts; After receiving the query request of the first user through the operation option, the remittance status information of the cross-border offline remittance associated with the receiving account is displayed in the target interface, wherein the remittance status information is provided by the target bank institution to the target commodity information service system, and the remittance status information includes the remittance status information of multiple different receiving accounts corresponding to the first user.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

10. An electronic device, characterized in that: include: one or more processors; as well as A memory associated with the one or more processors, the memory being used to store program instructions, wherein the program instructions, when read and executed by the one or more processors, execute the steps of the method according to any one of claims 1 to 8.

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