Cross-border fund processing method and device, equipment, storage medium and program product

Abstract

The invention relates to data processing, and particularly discloses a cross-border fund processing method and device, equipment, a storage medium and a program product. The method comprises the steps of obtaining a clearing identification number in a cross-border fund afflux message under the condition that an intermediate contract account receives an afflux fund of a target cross-border fund afflux service, obtaining trade material information corresponding to the target cross-border fund afflux service from the cross-border fund afflux message, and if the trade material information is subjected to security confirmation, sending the transaction material information to the target cross-border fund afflux service to the intermediate contract account. If yes, the solution pay operation is executed according to the trade material information corresponding to the target cross-border fund afflux business, so that automatic processing of the cross-border fund afflux business can be realized, the labor cost is reduced, and the probability of errors in the manual operation process is reduced. And the remittance fund is stored in the intermediate contract account, so that closed management of the fund is realized, and the reliability of cross-border fund remittance business processing is improved.

Description

Technical Field

[0001] The present application relates to data processing, and in particular to a cross-border funds processing method, apparatus, equipment, storage medium and program product. Background Art

[0002] With the rapid development of information technology and the widespread application of Internet technology, cross-border e-commerce, as an important driver of global economic integration, is developing at an unprecedented speed. With the rapid development of cross-border e-commerce, the number of large, medium and small foreign trade export enterprises has increased sharply, and the demand for cross-border e-commerce revenue and expenditure business has also increased rapidly.

[0003] At present, cross-border fund transactions are mainly handled through cross-border remittances over the counter. After receiving the foreign remittances, they are manually reviewed and screened for anti-money laundering, and then manually paid to the customer's account.

[0004] However, since most of the current methods for processing cross-border funds transactions require manual operations, which requires a lot of manpower costs and has a low degree of automation, they cannot meet the current needs of cross-border e-commerce payment and receipts business. Summary of the invention

[0005] Based on this, it is necessary to provide a cross-border funds processing method, device, equipment, storage medium and program product that can automatically process cross-border funds transactions in response to the above-mentioned technical problems.

[0006] In the first aspect, the present application provides a cross-border funds processing method. The method comprises:

[0007] When the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, the clearing identification number in the cross-border funds inward remittance message is obtained; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business;

[0008] Obtain the trade material information corresponding to the target cross-border funds inward remittance business;

[0009] If the trade material information has been confirmed to be secure, the payment operation will be executed based on the trade material information corresponding to the target cross-border funds remittance business.

[0010] In one embodiment, if the trade material information has been confirmed to be secure, before executing the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business, the method further includes:

[0011] Add the target cross-border inward funds remittance business to a payment pending queue, which includes multiple cross-border inward funds remittance businesses queued in the order of addition;

[0012] If the trade material information has been confirmed to be safe, the payment operation will be performed according to the trade material information corresponding to the target cross-border funds inward remittance business, including:

[0013] Select the target cross-border funds inward remittance business from the payment pending queue;

[0014] If the trade material information corresponding to the target cross-border funds inward remittance business has passed security confirmation, the payment operation is executed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business is deleted from the payment pending queue.

[0015] In one embodiment, adding the target cross-border funds remittance business to a payment pending queue includes:

[0016] If the clearing identification number exists in the filing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message will be added to the payment pending queue;

[0017] If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0018] In one embodiment, the method further comprises:

[0019] In response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list, obtaining an updated identification number;

[0020] If the update identification number exists in the filing identification number, the cross-border funds inward remittance business corresponding to the update identification number will be added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the update identification number will be deleted from the failed collection list.

[0021] In one embodiment, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, including:

[0022] Conduct risk screening based on the trade material information to obtain risk screening results;

[0023] When the risk screening result indicates that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account are remitted into the target account.

[0024] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0025] Among them, the foreign trade comprehensive service account is used to manage the associated exporter account and remit funds into the associated exporter account.

[0026] In a second aspect, the present application also provides a cross-border funds processing device. The device includes:

[0027] A first acquisition module is used to acquire a clearing identification number in a cross-border funds inward remittance message when the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business;

[0028] The second acquisition module is used to obtain the trade material information corresponding to the target cross-border funds inward remittance business;

[0029] The payment module is used to execute the payment operation according to the trade material information corresponding to the target cross-border funds remittance business if the trade material information has passed the security confirmation.

[0030] In one embodiment, if the trade material information is confirmed to be secure, before executing the payment operation according to the trade material information corresponding to the target cross-border funds remittance business, the device further includes:

[0031] A first adding module is used to add the target cross-border funds inward remittance business to a payment pending queue, wherein the payment pending queue includes a plurality of cross-border funds inward remittance businesses queued in the order of addition;

[0032] The payment module includes:

[0033] A selection unit is used to select the target cross-border funds inward remittance business from the payment pending queue;

[0034] The payment unit is used to execute the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business if the trade material information corresponding to the target cross-border funds inward remittance business has passed the security confirmation, and delete the target cross-border funds inward remittance business from the payment pending queue.

[0035] In one embodiment, the first adding module includes:

[0036] A first adding unit is used to add the cross-border funds remittance business corresponding to the cross-border funds remittance message to the payment pending queue if the clearing identification number exists in the filing identification number;

[0037] The second adding unit is used to generate a prompt message if the clearing identification number does not exist in the filing identification number, and add the cross-border funds remittance business corresponding to the cross-border funds remittance message to the failed exchange collection list.

[0038] In one embodiment, the device further comprises:

[0039] A third acquisition module is used to obtain an updated identification number in response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list;

[0040] The second adding module is used to add the cross-border funds inward remittance business corresponding to the update identification number to the payment pending queue if the update identification number exists in the filing identification number, and delete the cross-border funds inward remittance business corresponding to the update identification number from the failed collection list.

[0041] In one embodiment, the payment module includes:

[0042] A screening unit, used for performing risk screening according to the trade material information to obtain a risk screening result;

[0043] The remittance unit is used to remit the inward funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account into the target account when the risk screening result indicates that the target cross-border funds inward remittance business does not have any risk.

[0044] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0045] Among them, the foreign trade comprehensive service account is used to manage the associated exporter account and remit funds into the associated exporter account.

[0046] In a third aspect, the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of any of the above methods when executing the computer program.

[0047] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of any of the above methods when executed by a processor.

[0048] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of any of the above methods when executed by a processor.

[0049] The above cross-border funds processing method, device, equipment, storage medium and program product, when the intermediate contract account receives the inward funds of the target cross-border funds inward business, obtains the clearing identification number in the cross-border funds inward message, obtains the trade material information corresponding to the target cross-border funds inward business, and if the trade material information has been confirmed to be safe, performs the payment operation according to the trade material information corresponding to the target cross-border funds inward business, thereby realizing the automatic processing of the cross-border funds inward business, reducing labor costs, and reducing the probability of errors in the manual operation process. And the inward funds are stored in the intermediate contract account, realizing the closed management of funds, and improving the reliability of the cross-border funds inward business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] FIG1 is an internal structure diagram of a computer device provided in an embodiment of the present application;

[0051] FIG2 is a schematic diagram of a flow chart of a cross-border funds processing method provided in an embodiment of the present application;

[0052] FIG3 is a flow chart of a method for executing a payment operation provided in an embodiment of the present application;

[0053] FIG4 is a flow chart of a method for updating a liquidation identification number provided in an embodiment of the present application;

[0054] FIG5 is a flow chart of another method for executing a payment operation provided in an embodiment of the present application;

[0055] FIG6 is a schematic diagram of an umbrella payment system provided in an embodiment of the present application;

[0056] FIG7 is a flow chart of a method for remittance and payment of cross-border trade funds provided in an embodiment of the present application;

[0057] FIG8 is a structural block diagram of a cross-border funds processing device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0058] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0059] With the rapid development of information technology and the widespread application of Internet technology, cross-border e-commerce, as an important driver of global economic integration, is developing at an unprecedented speed. With the rapid development of cross-border e-commerce, the number of large, medium and small foreign trade export enterprises has increased sharply, and the demand for cross-border e-commerce revenue and expenditure business has also increased rapidly.

[0060] At present, cross-border fund transactions are mainly handled through cross-border remittances over the counter. After receiving the foreign remittances, they are manually reviewed and screened for anti-money laundering, and then manually paid to the customer's account.

[0061] However, since most of the current methods for processing cross-border funds transactions require manual operations, which requires a lot of manpower costs and has a low degree of automation, they cannot meet the current needs of cross-border e-commerce payment and receipts business.

[0062] The cross-border funds processing method provided in the embodiment of the present application can be applied in the application environment as shown in Figure 1. Figure 1 is an internal structure diagram of a computer device provided in the embodiment of the present application. The computer device can be a server, and its internal structure diagram can be as shown in Figure 1. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a cross-border funds processing method is implemented.

[0063] Those skilled in the art will understand that the structure shown in FIG. 1 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0064] In one embodiment, as shown in FIG. 2 , FIG. 2 is a flow chart of a cross-border funds processing method provided in an embodiment of the present application. The method can be applied to the computer device in FIG. 1 . The method includes the following steps:

[0065] S201, when the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, obtain the clearing identification number in the cross-border funds inward remittance message.

[0066] Among them, the clearing identification number is used to identify the target account for the target cross-border funds remittance business.

[0067] In the embodiment of the present application, the remitting user can initiate the target cross-border funds remittance business, then remit the funds to the intermediate contract account, and obtain the cross-border funds remittance message corresponding to the target cross-border funds remittance business. It should be noted that the intermediate contract account is not the target account of the target cross-border funds remittance business, but an intermediate account for temporarily storing the remitted funds. After the various information of the target cross-border funds remittance business has been confirmed and screened, and there is no abnormality, the intermediate account will forward the temporarily stored remitted funds to the target account.

[0068] In a possible implementation, the remitting party account may first deposit the remitted funds into an intermediate transition account, and then forward the remitted funds from the intermediate transition account to the intermediate contract account for centralized management and control.

[0069] The clearing identification number is used to uniquely identify the target account, that is, a clearing identification number is only used to identify a unique target account. For example, the clearing identification number can be the number, card number, name, etc. of the target account of the target cross-border fund remittance business.

[0070] In the embodiment of the present application, the clearing identification number of the target cross-border funds inward remittance business can be compared with the filing identification number. If the clearing identification number of the target cross-border funds inward remittance business exists in the filing identification number, the target cross-border funds inward remittance business is added to the payment pending queue. If the clearing identification number of the target cross-border funds inward remittance business does not exist in the filing identification number, the cross-border funds inward remittance message of the target cross-border funds inward remittance business is added to the failed collection list.

[0071] Optionally, the multiple cross-border funds inflow services in the payment waiting queue may be arranged in the order of addition. Alternatively, the multiple cross-border funds inflow services in the payment waiting queue may also be arranged in the order of priority.

[0072] S202, obtaining trade material information corresponding to the target cross-border funds inward remittance business.

[0073] Exemplarily, the trade material information corresponding to the target cross-border funds remittance business may include account information, qualification certificates, transaction-related documents, customs declaration and inspection documents, etc.

[0074] In a possible implementation, the unified social credit code of the target account of the target cross-border funds remittance business can be obtained, and then the trade material information of the target account is obtained based on the unified social credit code.

[0075] S203: If the trade material information has been confirmed to be safe, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business.

[0076] In one embodiment, the security of the trade material information corresponding to the target cross-border funds inward remittance business can be confirmed, that is, whether the trade material information corresponding to the target cross-border funds inward remittance business meets the security requirements. If it meets the security requirements, the intermediate account will forward the temporarily stored inward remittance funds to the target account, and generate a business number corresponding to the transaction, so that the user can query the transaction information according to the business number.

[0077] Alternatively, the trade material information can also be sent to the user device of the remitting user, and then the user's confirmation information can be obtained. When the user confirms that the trade material information is correct, the intermediate account will forward the temporarily stored remitted funds to the target account, and generate a business number corresponding to the transaction, so that the user can query the transaction information according to the business number.

[0078] In an embodiment of the present application, if the trade material information corresponding to the target cross-border funds remittance business does not meet the security requirements, or if the user confirms that there is an abnormality in the trade material information corresponding to the target cross-border funds remittance business, the payment operation is interrupted and the remitted funds temporarily stored in the intermediate account are returned to the remitter's account.

[0079] Optionally, after the trade material information corresponding to the target cross-border funds inward remittance business has been security confirmed, the target cross-border funds inward remittance business can be obtained from the payment pending queue, and then the payment operation can be performed based on the trade material information corresponding to the target cross-border funds inward remittance business.

[0080] In the embodiment of the present application, when the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, the clearing identification number in the cross-border funds inward remittance message is obtained, and the trade material information corresponding to the target cross-border funds inward remittance business is obtained from the cross-border funds inward remittance message. If the trade material information has been confirmed to be safe, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, thereby realizing the automatic processing of the cross-border funds inward remittance business, reducing labor costs, and reducing the probability of errors in the manual operation process. In addition, the inward funds are stored in the intermediate contract account, realizing the closed management of funds and improving the reliability of the cross-border funds inward remittance business processing.

[0081] Referring to Figure 3, Figure 3 is a flow chart of a method for executing a payment operation provided by an embodiment of the present application. Based on the above embodiment, before the above S203, the method further includes the following steps:

[0082] S301, adding a target cross-border funds inward remittance business to a payment pending queue, wherein the payment pending queue includes a plurality of cross-border funds inward remittance businesses queued in the order of addition.

[0083] In an embodiment of the present application, the clearing identification number of the target cross-border funds inward remittance business can be compared with the filing identification number. If the clearing identification number of the target cross-border funds inward remittance business exists in the filing identification number, the target cross-border funds inward remittance business will be added to the payment pending queue.

[0084] Optionally, a payment pending queue may be displayed to facilitate operators to search for cross-border funds remittance businesses that have been securely confirmed in the payment pending queue.

[0085] In a possible implementation, the operator may search for the cross-border funds inward remittance business that has been security-confirmed in the payment pending queue, and then perform the payment operation on the cross-border funds inward remittance business that has been security-confirmed.

[0086] Based on the above embodiment, the above S203 includes the following steps:

[0087] S302, selecting a target cross-border funds inward remittance business from the payment pending queue.

[0088] S303: If the trade material information corresponding to the target cross-border funds inward remittance business has passed security confirmation, a payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business is deleted from the payment pending queue.

[0089] In one embodiment, the security confirmation status of the target cross-border funds inward remittance business can be viewed from the payment pending queue. If the trade material information corresponding to the target cross-border funds inward remittance business has passed the security confirmation, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business is deleted from the payment pending queue.

[0090] In one possible implementation, security confirmation can be automatically confirmed according to preset rules, or the trade material information corresponding to the target cross-border funds remittance business can be sent to the user device of the remitting user, and then the confirmation information sent by the user device can be obtained.

[0091] In an embodiment of the present application, the target cross-border funds inflow business is added to a payment pending queue, and then the target cross-border funds inflow business is selected from the payment pending queue. If the trade material information corresponding to the target cross-border funds inflow business has passed the security confirmation, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inflow business, and the target cross-border funds inflow business is deleted from the payment pending queue. In this way, the correctness and security of the trade material information can be determined by automatic confirmation or manual confirmation by the user, thereby improving the security and reliability of the target cross-border funds inflow business, reducing transaction errors caused by incorrect trade material information, and ensuring the security of users' assets.

[0092] Based on the above embodiment, the above S301 can be implemented in the following manner:

[0093] If there is a clearing identification number in the filing identification number, the target cross-border funds remittance business corresponding to the cross-border funds remittance message will be added to the payment pending queue.

[0094] In a possible implementation, each account receiving overseas remittances needs to be registered, and if there are no abnormalities or security risks in the account receiving overseas remittances, the clearing identification number of each account receiving overseas remittances is used as the registration identification number.

[0095] If there is a clearing identification number in the filing identification number, it means that the target account is a normal account that has been filed. Then the target cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the payment pending queue, and the payment pending queue is displayed to facilitate the operator to find the cross-border funds remittance business that has been securely confirmed in the payment pending queue.

[0096] If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the target cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0097] In another possible implementation, if the clearing identification number does not exist in the filing identification number, it means that the target account is an abnormal account that has not been filed, and then the target cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed remittance collection list.

[0098] Optionally, the remitting user can modify the clearing identification number of the target account corresponding to the target cross-border funds remittance business, so that the modified clearing identification number of the target account exists in the filing identification number. Alternatively, the remitting user can also file the target account corresponding to the target cross-border funds remittance business, and add the clearing identification number of the target account to the filing identification number if there are no abnormalities or security risks in the target account.

[0099] In an embodiment of the present application, if a clearing identification number exists in the filing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the payment pending queue; if the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed collection list, so that it is possible to automatically judge whether the target account is a filed account, thereby improving the reliability and flexibility of the cross-border funds remittance business processing, reducing the risk of cross-border funds remittance business processing, and better protecting the user's asset security.

[0100] Referring to Figure 4, Figure 4 is a flow chart of a method for updating a liquidation identification number provided in an embodiment of the present application. Based on the above embodiment, the method further includes the following steps:

[0101] S401, in response to the remitting user's operation of changing the clearing identification number in the failed remittance collection list, obtaining an updated identification number.

[0102] In an embodiment of the present application, when there is no clearing identification number in the filing identification number, a prompt message is generated, and the target cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed remittance collection list, the remitting user can further determine the accuracy of the clearing identification number of the target account based on the prompt message. When the remitting user determines that the clearing identification number of the target account is incorrect, the clearing identification number change operation in the failed remittance collection list can be performed.

[0103] In response to the remitting user's operation of changing the clearing identification number in the failed remittance collection list, the updated identification number of the target account can be obtained.

[0104] S402: If there is an updated identification number in the filing identification number, the cross-border funds inward remittance business corresponding to the updated identification number is added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the updated identification number is deleted from the failed collection list.

[0105] If there is an updated identification number in the filing identification number, it means that the target account is a normal account that has been filed. Then the cross-border funds inward remittance business corresponding to the updated identification number is added to the payment queue, and the cross-border funds inward remittance business corresponding to the updated identification number is deleted from the failed collection list.

[0106] In an embodiment of the present application, in response to the remitting user's operation of changing the clearing identification number in the failed remittance collection list, an updated identification number is obtained. If the updated identification number exists in the registered identification number, the cross-border funds remittance business corresponding to the updated identification number is added to the payment pending queue, and the cross-border funds remittance business corresponding to the updated identification number is deleted from the failed remittance collection list. In this way, the remitting user can make timely modifications when it is found that the clearing identification of the target user is incorrect, thereby improving the flexibility of cross-border funds remittance business processing.

[0107] Referring to FIG. 5 , FIG. 5 is a flow chart of another method for executing a payment operation provided by an embodiment of the present application. This embodiment relates to a possible implementation method of how to execute a payment operation according to the trade material information corresponding to the target cross-border funds remittance business. Based on the above embodiment, the above S203 includes the following steps:

[0108] S501, perform risk screening based on trade material information to obtain risk screening results.

[0109] In one embodiment, risk screening may be performed on trade material information according to risk rules to obtain risk screening results.

[0110] Alternatively, the trade material information may be sent to a third-party risk screening device, which performs risk screening on the trade material information, and then obtains the risk screening result sent by the third-party risk screening device.

[0111] Exemplarily, risk screening may include anti-money laundering screening, and the third-party risk screening device may be an anti-money laundering screening device, which may determine whether a party related to the trade material information belongs to a blacklist account and generate a risk screening result.

[0112] It should be noted that when it is determined that the relevant party of the trade material information is not a blacklist account, the generated risk screening result indicates that there is no risk in the target cross-border funds remittance business.

[0113] S502, when the risk screening result indicates that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account are remitted into the target account.

[0114] In one embodiment, when the risk screening result indicates that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account are remitted to the target account to complete the payment operation.

[0115] In another embodiment, if the risk screening result indicates that the target cross-border funds remittance business is risky, an alarm message is generated and the payment operation is interrupted.

[0116] In an embodiment of the present application, risk screening is performed based on trade material information to obtain risk screening results. When the risk screening results indicate that there is no risk in the target cross-border funds remittance business, the inward funds corresponding to the target cross-border funds remittance business in the intermediate contract account are remitted to the target account, thereby further improving the security of cross-border funds processing, avoiding errors or omissions caused by manual screening, and improving the reliability of cross-border funds processing.

[0117] Based on the above embodiment, the target account includes a foreign trade comprehensive service account, or an exporter account;

[0118] Among them, the comprehensive foreign trade service account is used to manage the associated exporter accounts and remit funds into the associated exporter accounts.

[0119] In the embodiment of the present application, the collection system for receiving cross-border funds remittance is an umbrella collection system. For example, refer to Figure 6, which is a schematic diagram of an umbrella collection system provided in the embodiment of the present application.

[0120] As shown in Figure 6, the top of the umbrella collection system is the Foreign Trade Integrated Service (FIT) enterprise, which manages multiple exporters in parallel.

[0121] In one embodiment, the foreign comprehensive service file and the exporter file under its name can be established by verifying the unified social credit code.

[0122] Alternatively, the remitted funds can be transferred to the foreign trade comprehensive service account of the foreign trade comprehensive service enterprise, and then transferred to the target exporter's account through the foreign trade comprehensive service account. The remitted funds can also be directly transferred to the target exporter's account.

[0123] In the embodiment of the present application, the target account includes a foreign trade comprehensive service account, or an exporter account. The remitting user can transfer the remitted funds to the foreign trade comprehensive service account of the foreign trade comprehensive service enterprise, and then transfer the remitted funds to the target exporter account through the foreign trade comprehensive service account. The remitted funds can also be directly transferred to the target exporter account, thereby improving the flexibility of cross-border trade fund collection.

[0124] Referring to Figure 7, Figure 7 is a flow chart of a method for remittance and payment of cross-border trade funds provided in an embodiment of the present application. The method comprises the following steps:

[0125] S701, when the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, obtain the clearing identification number in the cross-border funds inward remittance message.

[0126] S702: If the filing identification number contains a clearing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the payment pending queue.

[0127] S703: If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0128] S704, select the target cross-border funds remittance business from the payment pending queue.

[0129] S705: If the trade material information corresponding to the target cross-border funds inward remittance business has been confirmed to be safe, risk screening is performed based on the trade material information to obtain a risk screening result.

[0130] S706, when the risk screening result indicates that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account are remitted into the target account.

[0131] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0132] Based on the same inventive concept, the embodiment of the present application also provides a cross-border funds processing device for implementing the cross-border funds processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more cross-border funds processing device embodiments provided below can refer to the limitations of the cross-border funds processing method above, and will not be repeated here.

[0133] In one embodiment, as shown in FIG8 , FIG8 is a structural block diagram of a cross-border funds processing device provided in an embodiment of the present application, and the device 800 includes:

[0134] The first acquisition module 801 is used to obtain the clearing identification number in the cross-border funds remittance message when the intermediate contract account receives the remitted funds of the target cross-border funds remittance business; the clearing identification number is used to identify the target account of the target cross-border funds remittance business.

[0135] The second acquisition module 802 is used to acquire the trade material information corresponding to the target cross-border funds inward remittance business.

[0136] The payment module 803 is used to execute the payment operation according to the trade material information corresponding to the target cross-border funds remittance business if the trade material information has passed the security confirmation.

[0137] In one embodiment, if the trade material information has been confirmed to be secure, before executing the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business, the device 800 further includes:

[0138] The first adding module is used to add the target cross-border funds inward remittance business to the payment pending queue, and the payment pending queue includes multiple cross-border funds inward remittance businesses queued in the order of addition.

[0139] The payment module 803 includes:

[0140] The selection unit is used to select a target cross-border funds inward remittance business from the payment pending queue.

[0141] The payment unit is used to execute the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business if the trade material information corresponding to the target cross-border funds inward remittance business has passed the security confirmation, and delete the target cross-border funds inward remittance business from the payment pending queue.

[0142] In one embodiment, the first adding module includes:

[0143] The first adding unit is used to add the cross-border funds remittance business corresponding to the cross-border funds remittance message to the payment pending queue if there is a clearing identification number in the filing identification number.

[0144] The second adding unit is used to generate a prompt message if the clearing identification number does not exist in the filing identification number, and add the cross-border funds remittance business corresponding to the cross-border funds remittance message to the failed exchange collection list.

[0145] In one embodiment, the apparatus 800 further includes:

[0146] The third acquisition module is used to acquire an updated identification number in response to a remitting user's operation of changing the clearing identification number.

[0147] The second adding module is used to add the cross-border funds inward remittance business corresponding to the updated identification number to the payment pending queue if there is an updated identification number in the filing identification number, and delete the cross-border funds inward remittance business corresponding to the updated identification number from the failed collection list.

[0148] In one embodiment, the payment module 803 includes:

[0149] The screening unit is used to perform risk screening based on trade material information to obtain risk screening results.

[0150] The remittance unit is used to remit the inward funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account to the target account when the risk screening result indicates that the target cross-border funds inward remittance business does not have risks.

[0151] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0152] Among them, the comprehensive foreign trade service account is used to manage the associated exporter accounts and remit funds into the associated exporter accounts.

[0153] Each module in the above cross-border funds processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0154] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0155] When the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, the clearing identification number in the cross-border funds inward remittance message is obtained; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business;

[0156] Obtain the trade material information corresponding to the target cross-border funds inward remittance business;

[0157] If the trade material information has been confirmed to be secure, the payment operation will be performed based on the trade material information corresponding to the target cross-border funds remittance business.

[0158] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0159] Add the target cross-border inward funds remittance business to the payment pending queue, which includes multiple cross-border inward funds remittance businesses queued in the order of addition;

[0160] Select the target cross-border funds inward remittance business from the payment queue;

[0161] If the trade material information corresponding to the target cross-border funds inward remittance business has been security confirmed, the payment operation will be executed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business will be deleted from the payment pending queue.

[0162] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0163] If there is a clearing identification number in the filing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message will be added to the payment pending queue;

[0164] If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0165] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0166] In response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list, obtaining an updated identification number;

[0167] If there is an updated identification number in the filing identification number, the cross-border funds inward remittance business corresponding to the updated identification number will be added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the updated identification number will be deleted from the failed collection list.

[0168] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0169] Conduct risk screening based on trade material information to obtain risk screening results;

[0170] When the risk screening results indicate that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediary contract account shall be remitted to the target account.

[0171] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0172] Among them, the comprehensive foreign trade service account is used to manage the associated exporter accounts and remit funds into the associated exporter accounts.

[0173] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0174] When the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, the clearing identification number in the cross-border funds inward remittance message is obtained; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business;

[0175] Obtain the trade material information corresponding to the target cross-border funds inward remittance business;

[0176] If the trade material information has been confirmed to be secure, the payment operation will be performed based on the trade material information corresponding to the target cross-border funds remittance business.

[0177] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0178] Add the target cross-border inward funds remittance business to the payment pending queue, which includes multiple cross-border inward funds remittance businesses queued in the order of addition;

[0179] Select the target cross-border funds inward remittance business from the payment queue;

[0180] If the trade material information corresponding to the target cross-border funds inward remittance business has been security confirmed, the payment operation will be executed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business will be deleted from the payment pending queue.

[0181] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0182] If there is a clearing identification number in the filing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message will be added to the payment pending queue;

[0183] If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0184] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0185] In response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list, obtaining an updated identification number;

[0186] If there is an updated identification number in the filing identification number, the cross-border funds inward remittance business corresponding to the updated identification number will be added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the updated identification number will be deleted from the failed collection list.

[0187] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0188] Conduct risk screening based on trade material information to obtain risk screening results;

[0189] When the risk screening results indicate that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediary contract account shall be remitted to the target account.

[0190] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0191] Among them, the comprehensive foreign trade service account is used to manage the associated exporter accounts and remit funds into the associated exporter accounts.

[0192] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0193] When the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, the clearing identification number in the cross-border funds inward remittance message is obtained; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business;

[0194] Obtain the trade material information corresponding to the target cross-border funds inward remittance business from the cross-border funds inward remittance message;

[0195] If the trade material information has been confirmed to be secure, the payment operation will be performed based on the trade material information corresponding to the target cross-border funds remittance business.

[0196] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0197] Add the target cross-border inward funds remittance business to the payment pending queue, which includes multiple cross-border inward funds remittance businesses queued in the order of addition;

[0198] Select the target cross-border funds inward remittance business from the payment queue;

[0199] If the trade material information corresponding to the target cross-border funds inward remittance business has been security confirmed, the payment operation will be executed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business will be deleted from the payment pending queue.

[0200] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0201] If there is a clearing identification number in the filing identification number, the cross-border funds remittance business corresponding to the cross-border funds remittance message will be added to the payment pending queue;

[0202] If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the cross-border funds remittance message is added to the failed exchange receipt list.

[0203] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0204] In response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list, obtaining an updated identification number;

[0205] If there is an updated identification number in the filing identification number, the cross-border funds inward remittance business corresponding to the updated identification number will be added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the updated identification number will be deleted from the failed collection list.

[0206] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0207] Conduct risk screening based on trade material information to obtain risk screening results;

[0208] When the risk screening results indicate that the target cross-border funds inward remittance business does not have risks, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediary contract account shall be remitted to the target account.

[0209] In one embodiment, the target account includes a foreign trade integrated service account, or an exporter account;

[0210] Among them, the comprehensive foreign trade service account is used to manage the associated exporter accounts and remit funds into the associated exporter accounts.

[0211] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0212] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0213] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0214] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A cross-border funds processing method, characterized in that: The method comprises: When the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business, obtaining the clearing identification number in the cross-border funds inward remittance message; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business; Obtain the trade material information corresponding to the target cross-border funds inward remittance business; If the trade material information has been confirmed to be secure, the payment operation will be performed based on the trade material information corresponding to the target cross-border funds remittance business.

2. The method according to claim 1, characterized in that: If the trade material information has been confirmed to be secure, before executing the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business, the method further includes: Adding the target cross-border funds inward remittance business to a payment pending queue, wherein the payment pending queue includes a plurality of cross-border funds inward remittance businesses queued in the order of addition; If the trade material information is confirmed to be secure, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, including: Selecting the target cross-border funds inward remittance business from the pending payment queue; If the trade material information corresponding to the target cross-border funds inward remittance business has passed security confirmation, the payment operation is performed according to the trade material information corresponding to the target cross-border funds inward remittance business, and the target cross-border funds inward remittance business is deleted from the payment pending queue.

3. The method according to claim 2, characterized in that Adding the target cross-border funds inward remittance business to the payment pending queue includes: If the clearing identification number exists in the filing identification number, the target cross-border funds inward remittance business corresponding to the cross-border funds inward remittance message is added to the payment pending queue; If the clearing identification number does not exist in the filing identification number, a prompt message is generated, and the cross-border funds remittance business corresponding to the target cross-border funds remittance message is added to the failed remittance collection list.

4. The method according to claim 3, characterized in that The method further comprises: In response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list, acquiring an updated identification number; If the update identification number exists in the filing identification number, the cross-border funds inward remittance business corresponding to the update identification number is added to the payment pending queue, and the cross-border funds inward remittance business corresponding to the update identification number is deleted from the failed collection list.

5. The method according to claim 2, characterized in that: The performing of the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business includes: Perform risk screening based on the trade material information to obtain risk screening results; When the risk screening result indicates that there is no risk in the target cross-border funds inward remittance business, the inward remittance funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account are remitted into the target account.

6. The method according to any one of claims 1 to 5, characterized in that: The target account includes a comprehensive foreign trade service account or an exporter account; The foreign trade comprehensive service account is used to manage the associated exporter accounts and transfer funds to the associated exporter accounts.

7. A cross-border funds processing device, characterized in that: The device comprises: A first acquisition module is used to acquire a clearing identification number in a cross-border funds inward remittance message when the intermediate contract account receives the inward funds of the target cross-border funds inward remittance business; the clearing identification number is used to identify the target account of the target cross-border funds inward remittance business; A second acquisition module is used to acquire trade material information corresponding to the target cross-border funds inward remittance business; The payment module is used to execute the payment operation according to the trade material information corresponding to the target cross-border funds remittance business if the trade material information has been confirmed to be secure.

8. The device according to claim 7, characterized in that If the trade material information is confirmed to be safe, before executing the payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business, the device further includes: A first adding module is used to add the target cross-border funds inward remittance business to a payment pending queue, wherein the payment pending queue includes a plurality of cross-border funds inward remittance businesses queued in the order of addition; The payment module comprises: A selection unit, configured to select the target cross-border funds inward remittance business from the payment pending queue; The payment unit is used to execute a payment operation according to the trade material information corresponding to the target cross-border funds inward remittance business if the trade material information corresponding to the target cross-border funds inward remittance business has passed security confirmation, and delete the target cross-border funds inward remittance business from the payment pending queue.

9. The device according to claim 8, characterized in that The first adding module comprises: A first adding unit is configured to add a target cross-border funds inward remittance business corresponding to the cross-border funds inward remittance message to a payment pending queue if the clearing identification number exists in the filing identification number; The second adding unit is used to generate a prompt message if the clearing identification number does not exist in the filing identification number, and add the target cross-border funds remittance business corresponding to the cross-border funds remittance message to the failed exchange collection list.

10. The device according to claim 9, characterized in that The device also includes: A third acquisition module is used to obtain an updated identification number in response to the remitting user's operation of changing the clearing identification number in the failed foreign exchange collection list; The second adding module is used to add the cross-border funds inward remittance business corresponding to the updated identification number to the payment pending queue if the updated identification number exists in the filing identification number, and delete the cross-border funds inward remittance business corresponding to the updated identification number from the failed collection list.

11. The device according to claim 8, characterized in that The payment module comprises: A screening unit, used for performing risk screening according to the trade material information to obtain a risk screening result; A remittance unit is used to remit the inward funds corresponding to the target cross-border funds inward remittance business in the intermediate contract account into the target account when the risk screening result indicates that the target cross-border funds inward remittance business does not have risks.

12. The device according to claim 8, characterized in that The target account includes a comprehensive foreign trade service account or an exporter account; The foreign trade comprehensive service account is used to manage the associated exporter accounts and transfer funds to the associated exporter accounts.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

Images