Electronic currency cross-border transaction method and system
By creating electronic currency software or hardware wallets for users, and dividing priority to the amount of local currency according to the recharge time, the problem of the complexity of the cross -border transactions of electronic currencies has been solved, the consumer convenience and security have been improved, the exchange rate loss and money laundering are reduced risk.
Patent Information
- Application Number
- CN202411213650.4
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-08-30
- Publication Date
- 2025-01-28
AI Technical Summary
In the prior art, the application and transaction process of electronic currency cross-border accounts is complicated, making it difficult for users to achieve cross-border payments.
By creating a dedicated electronic money software or hardware wallet for users, obtain the user's personal information and recharge information, give priority to the amount of the local currency according to the order of recharge time, and deduct it according to the priority. Return to the original currency.
It has improved the convenience of users' consumption in the country, reduced the loss of exchange rate conversion, and reduced the risk of money laundering, and meets the requirements of financial rules and regulations.
Smart Images
Figure CN119379279A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to a method for cross-border electronic currency transactions, and also to a currency cross-border transaction system utilizing the method, belonging to the technical field of currency transactions. Background Art
[0002] Electronic money refers to money that is based on financial electronic networks, uses commercial electronic tools and various transaction cards as media, uses electronic computer technology and communication technology as means, is stored in the bank's computer system in the form of electronic data (binary data), and is circulated and paid through the computer network system in the form of electronic information transmission. With the popularization of electronic payment technology, using electronic currency to pay through electronic payment technology has become a major development trend in payment.
[0003] Electronic money has been tested and used in various forms in China. In addition to using electronic money for payment in China, users may also use electronic money for payment abroad. However, the application and transaction process of cross-border electronic money accounts is relatively complicated for users. Therefore, a method that can realize cross-border electronic money payment is urgently needed. Summary of the invention
[0004] The technical problem to be solved by the present invention is to provide a method and system for cross-border electronic currency transactions.
[0005] In order to achieve the above object, the present invention adopts the following technical solutions:
[0006] According to a first aspect of an embodiment of the present invention, a method for cross-border electronic currency transactions is provided, comprising:
[0007] Obtaining original currency recharge information and / or local currency recharge information; the original currency recharge information includes the local currency exchange amount and recharge time, and the local currency recharge information includes the local currency amount and recharge time;
[0008] According to the order of the recharge time, the priority is assigned to each of the local currency exchange amount and / or the local currency amount, wherein the earlier the recharge time, the higher the priority;
[0009] The domestic consumption information of the user is obtained to deduct money according to the priority; wherein, the higher the priority, the priority of deduction.
[0010] Preferably, the method further comprises the following steps:
[0011] Obtaining a user's personal information to create an electronic money software or hardware wallet for said user;
[0012] Obtain the user's original currency account information and recharge information to obtain the local currency amount in the electronic currency software or hardware wallet; wherein the recharge information at least includes: the original currency transaction amount, the original currency currency, the exchange rate, the recharge time and the local currency exchange amount;
[0013] The local currency amount in the electronic currency software or hardware wallet is prioritized according to the order of the recharge time; wherein, the earlier the recharge time, the higher the priority of the local currency amount corresponding to the electronic currency software or hardware wallet; the local currency amount includes the local currency exchange amount and the amount directly recharged in the local currency;
[0014] Obtaining the domestic consumption information of the user to deduct the amount according to the priority of the local currency amount; wherein, the higher the priority of the local currency amount, the higher the priority of the deduction;
[0015] Obtaining the user's account cancellation request and current local currency balance; wherein the current local currency balance includes at least: a first local currency balance converted after recharging the original currency and a second local currency balance after recharging the local currency;
[0016] The first local currency balance is converted into the original currency of the corresponding amount according to the exchange rate and returned to the original currency account, and the local currency of the same amount is returned to the user according to the second local currency balance, until the local currency balance in the electronic currency software or hardware wallet is 0;
[0017] Cancel the user's electronic currency software or hardware wallet.
[0018] Preferably, the user's personal information includes at least: the user's ID number, name, nationality and region;
[0019] The electronic currency software or hardware wallet has a unique user identifier corresponding to the user, and the electronic currency software or hardware wallet has a transaction record module for recording the transaction record of the user and generating a unique transaction serial number for each transaction.
[0020] Preferably, when recharging, the current lowest priority local currency amount in the electronic currency software or hardware wallet is obtained, and the local currency amount corresponding to the recharge is arranged after the current lowest priority local currency amount;
[0021] When making a purchase, the current highest priority amount of the local currency in the electronic currency software or hardware wallet is obtained for deduction. If the current highest priority amount of the local currency is insufficient, the next highest priority amount of the local currency is deducted, and so on.
[0022] Preferably, the user uses one or more original currency accounts to recharge, and each original currency account has a one-to-one correspondence with the recharge path of the electronic currency software or hardware wallet.
[0023] Preferably, if the user recharges through the original currency account, the corresponding local currency amount after conversion is directly placed after the local currency amount with the current lowest priority;
[0024] If the user recharges using local currency, the corresponding local currency amount will be directly placed after the local currency amount with the current lowest priority.
[0025] Preferably, the method further comprises:
[0026] When closing an account, an account list is created for the user based on the user's account opening information, recharge information, consumption information and account closing request, so as to display all transaction records within the country to the user.
[0027] Preferably, the recharging by local currency at least includes:
[0028] Transfer electronic money through local currency account,
[0029] Alternatively, you can top up your account in cash at an ATM or other self-service financial device.
[0030] Preferably, when closing an account, if there are multiple original currency accounts corresponding to the user's first local currency balance, the first local currency sub-balance corresponding to each original currency account is obtained respectively, so as to convert the respective first local currency sub-balances into the original currency of the corresponding amount according to the exchange rate and return them to the respective original currency accounts.
[0031] Preferably, the original currencies of the multiple original currency accounts of the user are the same or different.
[0032] According to a second aspect of an embodiment of the present invention, a system for cross-border electronic currency transactions is provided, including a processor and a memory, wherein the processor reads a computer program in the memory to perform the following operations:
[0033] Obtaining original currency recharge information and / or local currency recharge information; the original currency recharge information includes the local currency exchange amount and recharge time, and the local currency recharge information includes the local currency amount and recharge time;
[0034] According to the order of the recharge time, the priority is assigned to each of the local currency exchange amount and / or the local currency amount, wherein the earlier the recharge time, the higher the priority;
[0035] The domestic consumption information of the user is obtained to deduct money according to the priority; wherein, the higher the priority, the priority of deduction.
[0036] Compared with the prior art, the present invention has the following technical effects:
[0037] 1. By creating dedicated electronic currency software or hardware wallets for users, the original currency recharged by users through their original currency accounts can be directly converted into local currency for consumption, which improves the convenience of users' domestic consumption, reduces the loss of exchange rate conversion, and meets the requirements of UnionPay.
[0038] 2. Prioritize the local currency amount in the electronic currency software or hardware wallet according to the order of user recharge, and deduct the amount according to the priority of the local currency amount, so as to retain the balance after subsequent recharge in the original currency as much as possible, so that it can be directly converted into the original currency and brought back to the country when the account is closed, thereby reducing the risk of money laundering and complying with the provisions of financial regulations such as the Anti-Money Laundering Law. BRIEF DESCRIPTION OF THE DRAWINGS
[0039] Figure 1 A schematic diagram of a flow chart of a method for cross-border electronic currency transactions provided by an embodiment of the present invention;
[0040] Figure 2 A schematic diagram of an account list formed by using the method of an embodiment of the present invention;
[0041] Figure 3 A structural diagram of a system for cross-border electronic currency transactions provided in an embodiment of the present invention. DETAILED DESCRIPTION
[0042] The technical content of the present invention is described in detail below with reference to the accompanying drawings and specific embodiments.
[0043] The embodiment of the present invention provides a method for cross-border electronic currency transactions. First, original currency recharge information and / or local currency recharge information are obtained, the original currency recharge information includes the local currency exchange amount and recharge time, and the local currency recharge information includes the local currency amount and recharge time. Then, according to the order of recharge time, each local currency exchange amount and / or local currency amount is given a priority, wherein the earlier the recharge time, the higher the priority. Finally, the user's domestic consumption information is obtained to deduct money according to the priority; wherein, the higher the priority, the priority of deduction.
[0044] like Figure 1 As shown, an electronic currency cross-border transaction method provided by an embodiment of the present invention at least includes steps S1 to S7:
[0045] S1: Create an electronic currency software or hardware wallet.
[0046] Specifically, the user's personal information is first obtained, including at least the user's ID number, name, nationality and region, etc. Then, the user's electronic currency software or hardware wallet is created based on the above information.
[0047] The electronic currency software or hardware wallet has a unique user identifier corresponding to the user, and the electronic currency software or hardware wallet has a transaction record module for recording the user's transaction records and generating a unique transaction serial number for each transaction.
[0048] It is understandable that the electronic currency software or hardware wallet can be in the form of a card (with a built-in chip) or in the form of a passbook (with a dedicated identification code).
[0049] S2: Get the user's recharge information.
[0050] In this embodiment, the user's recharge information includes both the user's first recharge information and subsequent recharge information. In addition, the user will use the original currency account to recharge for the first time, and can use the original currency account or the local currency account to recharge for subsequent recharges.
[0051] Below are the two recharge methods:
[0052] (1) Recharge original currency account
[0053] Once the user's electronic currency software or hardware wallet is created, the user needs to recharge through the original currency account when recharging for the first time.
[0054] Specifically, first obtain the user's original currency account information (for example: account name, account number, etc.); then obtain the user's recharge information, which at least includes the original currency transaction amount, original currency, exchange rate and local currency exchange amount; finally, display the final local currency amount in the electronic currency software or hardware wallet.
[0055] Similarly, when the user subsequently recharges the original currency account again, the same steps as above can be used.
[0056] In addition, it is understandable that when a user uses an original currency account to recharge, the original currency account can be one or more. If there are multiple original currency accounts, each original currency account corresponds one-to-one to the recharge path of the electronic currency software or hardware wallet, so that the original currency amount can be returned along the original path when the account is subsequently closed.
[0057] (2) Local currency top-up
[0058] When the user recharges using the original currency account, the local currency amount will be displayed in the electronic currency software or hardware wallet. At this time, the user can recharge the electronic currency software or hardware wallet with the local currency, that is, recharge with the local currency.
[0059] Specifically, in this embodiment, the methods of recharging the local currency may include the following three methods:
[0060] The first method: Users can use bank cards pre-issued at various banks in China to recharge electronic currency software or hardware wallets.
[0061] The second method: Users can directly deposit local currency cash into the electronic currency software or hardware wallet to complete the local currency recharge.
[0062] The third method: Users can use foreign currency cash to exchange for local currency and recharge it into electronic currency software or hardware wallets;
[0063] It is understandable that, whether recharging through original currency or local currency, only the local currency balance is displayed in the electronic currency software or hardware wallet, and the original currency amount is not displayed. In addition, when the account is finally closed, only the local currency balance deposited through the original currency account will be exchanged into the original currency; the local currency balance deposited through the local currency account or local currency cash will only be refunded in local currency, and users can go to the bank to exchange the original currency according to normal procedures.
[0064] S3: Prioritize the amount of local currency in the electronic currency software or hardware wallet.
[0065] In this embodiment, the local currency amount in the electronic currency software or hardware wallet is prioritized according to the order of user recharge; wherein, the earlier the recharge time, the higher the priority of the corresponding local currency amount in the electronic currency software or hardware wallet.
[0066] In one embodiment of the present invention, the priority can be indicated by numbers or other agreed means. For example, the smaller the number, the earlier the recharge, and the higher the priority. That is, the local currency amount corresponding to the number 1 has the highest priority, the local currency amount corresponding to the number 2 has the second highest priority, and so on. In other embodiments, other methods can also be used to indicate the priority, for example, letters AZ indicate that the priority gradually decreases.
[0067] Specifically, when recharging, obtain the current lowest priority local currency amount in the electronic currency software or hardware wallet, and place the local currency amount corresponding to the recharge after the current lowest priority local currency amount. For example: the user recharges twice through the original currency account, and the local currency amount corresponding to the first original currency recharge is 3,000 yuan, then the priority of the 3,000 yuan local currency is 1; when the user recharges the second time through the original currency account, the local currency amount corresponding to the second original currency recharge is 5,000 yuan, then the priority of the 5,000 yuan local currency is 2, and so on.
[0068] S4: Obtain the user’s domestic consumption information to deduct payment based on the priority of the local currency amount.
[0069] Specifically, in this embodiment, when a user consumes domestically, the current highest priority local currency amount in the electronic currency software or hardware wallet is obtained for deduction. If the current highest priority local currency amount is insufficient, the highest priority local currency balance is deducted first, and then the remaining amount is deducted from the next highest priority local currency amount, and so on. For example: the local currency amount after the user's first original currency recharge is 3,000 yuan, and the local currency amount corresponding to the second currency recharge is 5,000 yuan. When consuming, the 3,000 yuan local currency will be deducted first. If the consumption amount exceeds 3,000 yuan, it will continue to be deducted from 5,000 yuan, and so on.
[0070] It is understandable that in this embodiment, the higher the priority of the local currency amount, the higher the priority of deduction. When a user consumes, if the local currency amount with the highest priority is not completely deducted, the local currency amount with the next priority does not need to be deducted, so as to achieve the principle of first deposit first consumption as much as possible.
[0071] S5: Obtain the user's account cancellation request and current local currency balance.
[0072] Specifically, when the user needs to leave the country, the user's account cancellation request and current local currency balance are obtained. The current local currency balance includes at least: the first local currency balance converted after the original currency recharge and the second local currency balance after the local currency recharge.
[0073] It is understandable that the first local currency balance can be converted into the original currency at the exchange rate, while the second local currency balance can only be refunded to the local currency.
[0074] S6: The balance is cleared.
[0075] Specifically, the first local currency balance is converted into the original currency of the corresponding amount according to the exchange rate and returned to the original currency account. It can be understood that if the user has multiple original currency accounts corresponding to the first local currency balance, the first local currency sub-balance corresponding to each original currency account is obtained respectively, so as to convert the respective first local currency sub-balances into the original currency of the corresponding amount according to the exchange rate and return them to the respective original currency accounts. Moreover, it can be understood that the original currencies of the multiple original currency accounts of the user can be the same or different.
[0076] In addition, an equal amount of local currency is returned to the user according to the second local currency balance until the local currency balance in the electronic currency software or hardware wallet is 0. It is understood that the user can take the returned local currency to the bank and exchange it for the original currency according to normal procedures.
[0077] S7: Cancel the user’s electronic currency software or hardware wallet.
[0078] When the local currency balance of the electronic currency software or hardware wallet is 0, the user's electronic currency software or hardware wallet can be directly closed.
[0079] In addition, when closing an account, an account list is created for the user based on the user's account opening information, recharge information, consumption information and account closing request to display all transaction records within the country to the user.
[0080] Reference Figure 2 As shown, the method for cross-border electronic currency transactions according to the embodiment of the present invention is described in detail below with reference to specific cases:
[0081] First, when the user opens an account, he recharges 4,000 original currency through the original currency account yyyy, with an exchange rate of 0.9, equivalent to 3,600 yuan of local currency. The priority level of this 3,600 yuan of local currency is 1.
[0082] Subsequently, the user spent 100 yuan and the balance was 3,500 yuan.
[0083] Subsequently, the user recharged 1,000 yuan through the local currency account zzzz. The priority level of this 1,000 yuan local currency is 2 (account closure cannot be exchanged for the original currency). Currently, the total balance is 4,500 yuan.
[0084] Subsequently, the user spends 3,000 yuan, which is deducted from the 3,500 yuan of priority level 1. At this time, the balance of priority level 1 is 500 yuan, the balance of priority level 2 is 1,000 yuan, and the total balance is 1,500 yuan.
[0085] Later, the user spends 1,000 yuan. At this time, the remaining balance of 500 yuan in priority level 1 is deducted in full, and 500 yuan is deducted from the balance of priority level 2. At this time, only the balance of 500 yuan in priority level 2 remains in the account.
[0086] Subsequently, the user recharges 3,000 original currency through the original currency account yyyy again, with an exchange rate of 0.9, equivalent to 2,700 yuan of local currency, and the priority level of this 2,700 yuan of local currency is 3. At this time, the total balance in the account is 3,200 yuan.
[0087] Subsequently, the user spends 600 yuan, deducting 500 yuan from the balance of priority level 2, and deducting 100 yuan from the 2,700 yuan of priority level 3. At this time, only the balance of priority level 3 of 2,600 yuan remains in the account.
[0088] Later, the user needs to leave the country, and the 2,600 yuan is recharged through the original currency account yyyy. Therefore, when closing the account, it can be directly converted into 2,889 original currencies according to the exchange rate (after calculation of the exchange rate, the decimal places can be rounded off as needed, and this example only gives an approximate calculation example), and returned to the original currency account yyyy. At this time, the balance in the account is 0.
[0089] Finally, complete the cancellation of the electronic currency software or hardware wallet.
[0090] Based on the above-mentioned method for cross-border electronic currency transactions, the present invention further provides a system for cross-border electronic currency transactions. Figure 3 As shown, the system includes one or more processors 21 and a memory 22. The memory 22 is coupled to the processor 21 and is used to store one or more programs. When the one or more programs are executed by the one or more processors 21, the one or more processors 21 implement the method for cross-border electronic currency transactions in the above embodiment.
[0091] Among them, the processor 21 is used to control the overall operation of the system to complete all or part of the steps of the above-mentioned method for cross-border electronic currency transactions. The processor 21 can be a central processing unit (CPU), a graphics processing unit (GPU), a field programmable gate array (FPGA), an application-specific integrated circuit (ASIC), a digital signal processing (DSP) chip, etc. The memory 22 is used to store various types of data to support operations in the system, and these data may include, for example, instructions for any application or method operating on the system, and application-related data. The memory 22 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as a static random access memory (SRAM), an electrically erasable programmable read-only memory (EEPROM), an erasable programmable read-only memory (EPROM), a programmable read-only memory (PROM), a read-only memory (ROM), a magnetic memory, a flash memory, etc.
[0092] In an exemplary embodiment, the system can be implemented by a computer chip or entity, or by a product with a certain function, for executing the above-mentioned method of cross-border electronic currency transactions, and achieving the same technical effect as the above-mentioned method. A typical embodiment is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
[0093] In another exemplary embodiment, the present invention further provides a computer-readable storage medium including program instructions, which, when executed by a processor, implements the steps of the method for cross-border electronic currency transactions in any of the above embodiments. For example, the computer-readable storage medium may be the above-mentioned memory including program instructions, and the above-mentioned program instructions may be executed by a processor to complete the above-mentioned method for cross-border electronic currency transactions and achieve the same technical effect as the above-mentioned method.
[0094] In summary, the method and system for cross-border electronic currency transactions provided by the embodiments of the present invention have the following beneficial effects:
[0095] 1. By creating dedicated electronic currency software or hardware wallets for users, the original currency recharged by users through their original currency accounts can be directly exchanged for local currency for consumption, which improves the convenience of users' consumption in the country.
[0096] 2. Prioritize the local currency amount in the electronic currency software or hardware wallet according to the order of user recharge, and deduct the amount according to the priority of the local currency amount, so as to retain the balance after subsequent recharge in the original currency as much as possible, so that it can be directly converted into the original currency when closing the account and brought back to the country.
[0097] It should be noted that the above embodiments are only examples, and the technical solutions of the various embodiments can be combined, all within the protection scope of the present invention.
[0098] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include one or more of the features. In the description of the present invention, the meaning of "plurality" is two or more, unless otherwise clearly and specifically defined.
[0099] The above is a detailed description of the method and system for cross-border electronic currency transactions provided by the present invention. For those skilled in the art, any obvious changes made to it without departing from the essence of the present invention will constitute an infringement of the patent right of the present invention and will bear corresponding legal liabilities.
Claims
1. A method for cross-border electronic currency transactions, characterized in that The steps include: Obtaining original currency recharge information and / or local currency recharge information; the original currency recharge information includes the local currency exchange amount and recharge time, and the local currency recharge information includes the local currency amount and recharge time; According to the order of the recharge time, the priority is assigned to each of the local currency exchange amount and / or the local currency amount, wherein the earlier the recharge time, the higher the priority; The domestic consumption information of the user is obtained to deduct money according to the priority; wherein, the higher the priority, the priority of deduction.
2. The method for cross-border electronic currency transactions as claimed in claim 1, characterized in that The following steps are also included: Obtaining a user's personal information to create an electronic money software or hardware wallet for said user; Obtain the user's original currency account information and recharge information to obtain the local currency amount in the electronic currency software or hardware wallet; wherein the recharge information at least includes: the original currency transaction amount, the original currency currency, the exchange rate, the recharge time and the local currency exchange amount; The local currency amount in the electronic currency software or hardware wallet is prioritized according to the order of the recharge time; wherein, the earlier the recharge time, the higher the priority of the local currency amount corresponding to the electronic currency software or hardware wallet; the local currency amount includes the local currency exchange amount and the amount directly recharged in the local currency; Obtaining the domestic consumption information of the user to deduct the amount according to the priority of the local currency amount; wherein, the higher the priority of the local currency amount, the higher the priority of the deduction; Obtaining the user's account cancellation request and current local currency balance; wherein the current local currency balance includes at least: a first local currency balance converted after recharging the original currency and a second local currency balance after recharging the local currency; The first local currency balance is converted into the original currency of the corresponding amount according to the exchange rate and returned to the original currency account, and the local currency of the same amount is returned to the user according to the second local currency balance, until the local currency balance in the electronic currency software or hardware wallet is 0; Cancel the user's electronic currency software or hardware wallet.
3. The method for cross-border electronic currency transactions as claimed in claim 2, characterized in that: The user's personal information includes at least: the user's ID number, name, nationality and region; The electronic currency software or hardware wallet has a unique user identifier corresponding to the user, and the electronic currency software or hardware wallet has a transaction record module for recording the transaction record of the user and generating a unique transaction serial number for each transaction.
4. The method for cross-border electronic currency transactions according to claim 1, characterized in that: When recharging, obtain the local currency amount with the lowest current priority in the electronic currency software or hardware wallet, and place the local currency amount corresponding to the recharged amount after the local currency amount with the lowest current priority; When making a purchase, the current highest priority amount of the local currency in the electronic currency software or hardware wallet is obtained for deduction. If the current highest priority amount of the local currency is insufficient, the next highest priority amount of the local currency is deducted, and so on.
5. The method for cross-border electronic currency transactions as claimed in claim 1, characterized in that: The user uses one or more original currency accounts to recharge, and each original currency account has a one-to-one correspondence with the recharge path of the electronic currency software or hardware wallet.
6. The method for cross-border electronic currency transactions as claimed in claim 1, characterized in that: If the user recharges through the original currency account, the corresponding local currency amount after conversion will be directly placed after the local currency amount with the current lowest priority; If the user recharges using local currency, the corresponding local currency amount will be directly placed after the local currency amount with the current lowest priority.
7. The method for cross-border electronic currency transactions as claimed in claim 1, characterized in that Also includes: When closing an account, an account list is created for the user based on the user's account opening information, recharge information, consumption information and account closing request, so as to display all transaction records within the country to the user.
8. The method for cross-border electronic currency transactions as claimed in claim 1, characterized in that The recharge through local currency at least includes: Transfer electronic money through local currency account, Alternatively, you can top up your account in cash via self-service financial devices.
9. The method for cross-border electronic currency transactions as claimed in claim 5, characterized in that: When closing an account, if there are multiple original currency accounts corresponding to the user's first local currency balance, the first local currency sub-balance corresponding to each original currency account is obtained respectively, so as to convert the respective first local currency sub-balances into the original currency of the corresponding amount according to the exchange rate and return them to the respective original currency accounts.
10. The method for cross-border electronic currency transactions according to claim 6, characterized in that: The original currencies of the multiple original currency accounts of the user are the same or different.
11. A system for cross-border electronic currency transactions, characterized in that The device comprises a processor and a memory, wherein the processor reads a computer program in the memory to perform the following operations: Obtaining original currency recharge information and / or local currency recharge information; the original currency recharge information includes the local currency exchange amount and recharge time, and the local currency recharge information includes the local currency amount and recharge time; According to the order of the recharge time, the priority is assigned to each of the local currency exchange amount and / or the local currency amount, wherein the earlier the recharge time, the higher the priority; The domestic consumption information of the user is obtained to deduct money according to the priority; wherein, the higher the priority, the priority of deduction.