Cross-border collection method and device based on digital RMB, medium and program product

Abstract

The invention aims to provide a digital RMB-based cross-border collection method and device, a medium and a program product, so that merchants can conveniently and quickly receive cross-border funds, cross-border fund transmission links are reduced, the fund cost is reduced, information of collectors and payers in a cross-border scene is truly reflected by opening an umbrella bottom wallet for each merchant, and the collection and payment efficiency is improved. A cross-border umbrella bottom wallet is opened for each domestic merchant, so that an overseas payer can directly fill the name of a payee as the name of the domestic merchant and the account of the payee as the cross-border umbrella bottom wallet corresponding to the domestic merchant during remittance, the specific remittance to which merchant can be directly identified from the information level, and the remittance efficiency is improved. In addition, due to the fact that the remittance information is filled in by domestic merchants, information such as the name of a payee and the account of the payee can be directly obtained on an incoming account notice, the information is more transparent and more beneficial to supervision, and the user experience during cross-border collection can be remarkably improved.

Description

Technical Field

[0001] This application relates to the field of data processing, and in particular to a technology for cross-border collection based on digital RMB. Background Art

[0002] In the existing technology, if an overseas payer pays directly to a domestic bank, the payee can only fill in the platform name and platform bank account number. It is impossible to identify which merchant the overseas payer is paying to from the information level. If manual identification is used, the efficiency is very low and prone to errors. The information level is also not transparent and difficult to supervise. Summary of the invention

[0003] One purpose of this application is to provide a cross-border payment method, device, medium and program product based on digital RMB.

[0004] According to one aspect of the present application, a method for cross-border collection based on digital RMB is provided, which is applied to a payment platform, wherein the payment platform includes a cross-border system, a channel system, and an account system, and the method includes: Obtaining, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet that supports digital RMB opened by the merchant, and providing the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about digital RMB for the umbrella wallet; Obtaining corresponding account information according to the account arrival notification information through the cross-border system, and calculating the corresponding account amount into the merchant's pending account based on the account information through the account system, wherein the account information includes payer information, payee information and account amount information about digital RMB; In response to the merchant's request for associating the contract order information between the merchant and the overseas buyer, the cross-border system associates the account entry information with the contract order information, obtains first audit result information corresponding to the account entry information, and sends the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform; The second audit result information corresponding to the account entry information is obtained through the cross-border system and provided by the channel system. If the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated, and the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account based on the settlement payment order through the account system, wherein the second audit result information is generated by the bank institution after auditing the account entry information based on the first audit result information.

[0005] According to one aspect of the present application, a computing device for cross-border collection based on digital RMB is provided, comprising a memory, a processor, and a computer program stored on the memory, wherein the processor executes the computer program to implement the operation of any of the methods described above.

[0006] According to one aspect of the present application, a computer-readable storage medium is provided, on which a computer program is stored, characterized in that when the computer program is executed by a processor, the operation of any of the methods described above is implemented.

[0007] According to one aspect of the present application, a computer program product is provided, including a computer program, which implements the steps of any of the above methods when executed by a processor.

[0008] According to one aspect of the present application, a computing device for cross-border payment based on digital RMB is provided, the device comprising: A module, used to obtain, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet supporting digital RMB opened by the merchant, and provide the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas remittance information of digital RMB from the overseas buyer to the umbrella wallet; Module one and two, used for obtaining corresponding account information according to the account arrival notification information through the cross-border system, and calculating the corresponding account amount into the merchant's pending account based on the account information through the account system, wherein the account information includes payer information, payee information and account amount information about digital RMB; Module 13, for responding to a request for associating the account entry information with the contract order information between the merchant and the overseas buyer through the cross-border system, associating the account entry information with the contract order information, obtaining first review result information corresponding to the account entry information, and sending the first review result information to the channel system, wherein the first review result information is generated by the payment platform; Module 14 is used to obtain, through the cross-border system, the second audit result information corresponding to the account entry information provided by the channel system; if the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated; and based on the settlement payment order, the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account through the account system, wherein the second audit result information is generated by the bank institution after auditing the account entry information based on the first audit result information.

[0009] Compared with the prior art, the present application obtains the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant and supporting the digital RMB through the channel system, and provides the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about the digital RMB for the umbrella wallet, and the cross-border system obtains the corresponding account entry information according to the account arrival notification information, and the account system records the corresponding account entry amount into the merchant's pending account based on the account entry information, wherein the account entry information includes the payer information, the payee information and the account entry information of the digital RMB. the cross-border system responds to the merchant's request for associating the contract order information between the merchant and the overseas buyer with respect to the account information, associating the account information with the contract order information, obtaining first audit result information corresponding to the account information, and sending the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform; obtaining second audit result information corresponding to the account information provided by the channel system through the cross-border system, and if the second audit result information indicates that the account information has been audited, generating a corresponding settlement payment order, and The digital RMB corresponding to the deposit amount information is transferred from the merchant's pending account to the merchant's available balance account through the account system based on the settlement payment order, wherein the second audit result information is generated by the bank institution based on the first audit result information after auditing the deposit information, which can facilitate merchants to quickly receive cross-border funds, reduce cross-border fund transmission links, and reduce fund costs. By opening an umbrella wallet for each merchant, the payee and payee information in the cross-border scenario is truly reflected, which is more conducive to fund supervision and the fund link is transparent. Since a cross-border umbrella wallet is opened for each domestic merchant, overseas payers can directly fill in the payee name when remitting money. The cross-border umbrella wallet with the domestic merchant name and beneficiary account corresponding to the domestic merchant can directly identify the specific merchant to which the remittance is made from the information level. In addition, since the remittance information is filled in with the domestic merchant, the beneficiary name, beneficiary account number and other information can be directly obtained in the incoming notification. The information is more transparent and more conducive to supervision. By reducing the steps of transferring funds from overseas to domestic banks, the capital link is shorter, which allows merchants to receive overseas remittance notifications faster and reduces the cost of this part of the transfer. In addition, the funds are directly in domestic banks, which is safer than before. It can also reduce the handling fees for transferring funds from overseas back to the domestic market, reduce costs, and can significantly improve the user experience when collecting cross-border payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] Other features, objects and advantages of the present application will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings: Figure 1 A flow chart of a method for cross-border payment collection according to an embodiment of the present application is shown; Figure 2 A flow chart of a method for cross-border payment collection according to an example provided in an embodiment of the present application is shown; Figure 3 A flow chart of a method for opening a cross-border umbrella wallet according to an example provided in an embodiment of the present application is shown; Figure 4 A structural diagram of a computing device for cross-border payment collection according to an embodiment of the present application is shown; Figure 5 An exemplary system is shown that can be used to implement the various embodiments described in this application.

[0011] The same or similar reference numerals in the drawings represent the same or similar components. DETAILED DESCRIPTION

[0012] The present application is described in further detail below in conjunction with the accompanying drawings.

[0013] In a typical configuration of the present application, the terminal, the device of the service network and the trusted party all include one or more processors (eg, a central processing unit (CPU)), an input / output interface, a network interface and a memory.

[0014] Memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash memory. Memory is an example of a computer-readable medium.

[0015] Computer readable media include permanent and non-permanent, removable and non-removable media that can be used to store information by any method or technology. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, Phase-Change Memory (PCM), Programmable Random Access Memory (PRAM), Static Random-Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of random access memory (RAM), Read-Only Memory (ROM), Electrically-Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, magnetic cassettes, tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device.

[0016] The devices referred to in this application include but are not limited to user devices, network devices, or devices formed by integrating user devices and network devices through a network. The user devices include but are not limited to any mobile electronic products that can interact with users (for example, interact with users through a touchpad), such as smart phones, tablet computers, etc. The mobile electronic products can use any operating system, such as Android operating system, iOS operating system, etc. Among them, the network device includes an electronic device that can automatically perform numerical calculations and information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic devices (Programmable Logic Device, PLD), field programmable gate arrays (Field Programmable Gate Array, FPGA), digital signal processors (Digital Signal Processor, DSP), embedded devices, etc. The network devices include but are not limited to computers, network hosts, single network servers, multiple network server sets or multiple servers. The cloud is composed of a large number of computers or network servers based on cloud computing (Cloud Computing), wherein cloud computing is a type of distributed computing, a virtual supercomputer composed of a group of loosely coupled computer sets. The network includes but is not limited to the Internet, a wide area network, a metropolitan area network, a local area network, a VPN network, a wireless self-organizing network (Ad Hoc network), etc. Preferably, the device may also be a program running on the user device, the network device, or a device formed by integrating the user device and the network device, the network device, the touch terminal, or the network device and the touch terminal through a network.

[0017] Of course, those skilled in the art should understand that the above-mentioned devices are only examples, and other existing or future devices that are applicable to the present application should also be included in the scope of protection of the present application and are included here by reference.

[0018] In the description of the present application, “plurality” means two or more, unless otherwise clearly and specifically defined.

[0019] Figure 1A flow chart of a method for cross-border payment collection according to an embodiment of the present application is shown, which is used for a payment platform, and the payment platform includes a cross-border system, a channel system and an account system. The method includes steps S11, S12, S13 and S14. In step S11, the channel system obtains the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant and supporting digital RMB, and provides the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about digital RMB for the umbrella wallet; in step S12, the cross-border system obtains the corresponding account entry information based on the account arrival notification information, and the account system calculates the corresponding account entry amount into the merchant's pending account based on the account entry information, wherein the account entry information includes the payer information, the payee information and the account entry amount information about digital RMB; in step S13, the cross-border system responds to the merchant's initiation of the account entry information regarding the contract between the merchant and the overseas buyer. A request for associating the order information is made, the account entry information is associated with the contract order information, the first audit result information corresponding to the account entry information is obtained, and the first audit result information is sent to the channel system, wherein the first audit result information is generated by the payment platform; in step S14, the second audit result information corresponding to the account entry information provided by the channel system is obtained through the cross-border system, if the second audit result information indicates that the account entry information has been reviewed and approved, a corresponding settlement payment order is generated, and the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account through the account system based on the settlement payment order, wherein the second audit result information is generated by the bank institution after reviewing the account entry information based on the first audit result information.

[0020] In step S11, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant and supporting digital RMB is obtained through the channel system, and the account arrival notification information is provided to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas remittance information of digital RMB from overseas buyers to the umbrella wallet.

[0021] In some embodiments, the payment platform includes a cross-border system, a channel system and an account system. The cross-border system is used to process business related to cross-border transfers, the account system is used to process business related to merchant accounts, and the channel system is used to process business related to the interaction between the payment platform and external institutions (for example, banking institutions). The channel system is the hub for the interaction between the payment platform and external institutions, receiving business requests from internal business systems internally and calling systems of external institutions externally. In some embodiments, the cross-border system, the channel system and the account system can be located on the same server, or they can also be located on different servers. In some embodiments, the banking institutions in this application do not need to support the VA account system (i.e., a virtual account, which is an account form generated by a bank or payment institution for a customer, mainly used for cross-border payments and fund management).

[0022] In some embodiments, the umbrella wallet that the merchant has opened on the payment platform is a cross-border umbrella wallet that supports digital RMB (i.e., an umbrella wallet that supports cross-border transfers of digital RMB, and a cross-border umbrella wallet can receive digital RMB remitted from abroad). In some embodiments, the umbrella wallet is part of the umbrella wallet model, and together with the umbrella wallet, it constitutes a digital currency settlement tool. The umbrella wallet model consists of an umbrella wallet and an umbrella wallet, where the umbrella wallet is a physical wallet, and the umbrella wallet is a wallet opened in the name of the umbrella wallet. In the umbrella wallet model, banking institutions open public wallets for platform enterprises (for example, payment platforms) and associate them with platform merchants one by one. When merchants receive payments, the funds are automatically collected in the umbrella wallet to complete the clearing and settlement. This model effectively lowers the threshold for merchants to open digital currency payments, especially in cross-border payment scenarios. A cross-border payment-dedicated wallet is opened for each merchant as an umbrella wallet. After the user remits the money, the funds are collected in the umbrella wallet for clearing. In some embodiments, the cross-border umbrella wallet only allows digital RMB to be received, that is, only cross-border buyers are allowed to use digital RMB to remit money from abroad to the merchant's umbrella wallet. In some embodiments, the cross-border umbrella wallet opened by the merchant on the payment platform needs to correspond to a banking institution. The payment platform can select a banking institution corresponding to the cross-border umbrella wallet from the banking institutions cooperating with the payment platform when the merchant opens the cross-border umbrella wallet, or the merchant can also select a banking institution corresponding to the cross-border umbrella wallet from the banking institutions cooperating with the payment platform when opening the cross-border umbrella wallet. In some embodiments, the umbrella wallet is not open to the public, and the merchant can only view the identification information of the umbrella wallet (for example, wallet number) through the payment platform. The bank institution corresponding to the umbrella wallet needs to be reviewed and paid before it can become the merchant's available balance.

[0023] In some embodiments, after the merchant provides the payee information of the cross-border umbrella wallet opened on the payment platform to the overseas buyer, the overseas buyer can make cross-border remittances to the umbrella wallet based on the payee information overseas through channels such as CIPS (Cross-border Interbank Payment System) or SWIFT (Society for Worldwide Interbank Financial Telecommunications, international funds clearing system), that is, the overseas buyer remits a certain amount of digital RMB to the umbrella wallet across borders overseas. This application does not restrict the cross-border remittance channels.

[0024] In some embodiments, after an overseas buyer makes a cross-border remittance to a cross-border umbrella wallet opened by a merchant, the corresponding remittance amount (i.e. the amount of digital RMB remitted) will first be credited to the umbrella wallet. Subsequently, the payment platform and the banking institution corresponding to the umbrella wallet will successively review the incoming account. After both are reviewed and approved, the remittance amount will be transferred to the merchant's domestic bank account, allowing the merchant to complete cross-border collection of payments from overseas buyers.

[0025] In some embodiments, the channel system obtains the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant. The specific method may be that the bank institution directly sends the account arrival notification information generated based on the overseas remittance information of the overseas buyer to the umbrella wallet to the channel system by calling the interface provided by the channel system. Alternatively, the bank institution may provide an interface for querying the account arrival notification information within a certain time period, and the channel system may obtain all the account arrival notification information within the time period by calling the interface at a predetermined time (for example, every predetermined time interval). Alternatively, the bank institution may write multiple overseas remittance information including the overseas remittance information based on the overseas buyer to the umbrella wallet into an account arrival notification file at a predetermined time (for example, every predetermined time interval), and then the channel system obtains the account arrival notification file from the bank institution once every predetermined time interval. For example, the bank institution uploads the account arrival notification file to a file server (for example, an SFTP server, where SFTP (SSH File Transfer Protocol) is a secure file transfer protocol based on SSH (Secure FTP)). Shell, a network protocol for secure remote login and file transfer) secure file transfer protocol), this application does not limit the type of file server, and then the channel system obtains the arrival notification file from the file server. This application does not limit the specific way in which the channel system obtains the arrival notification information from the banking institution. In some embodiments, after obtaining the arrival notification file, the channel system will parse the arrival notification file and obtain the arrival notification information from the arrival notification file. For example, the file type of the arrival notification file is txt, the file encoding is GB18030, the field separator is "|", and each line in the arrival notification file is an arrival notification information. This application does not limit the type of the arrival notification file.

[0026] In some embodiments, the fields in the arrival notification information include the message identification number, the initiating direct participating bank, the message time, the message type, the currency symbol, the amount, the party bearing the cost, the bank number of the direct payment participant, the bank number of the indirect payment participant, the payee's (bank) account number, the payee's (bank) name, the payee's (bank) account opening bank number, the payment opening bank / non-bank payment institution name, the receiving direct participant bank number, the payee's (bank) account number, the payee's (bank) name, the payee's (bank) account opening bank number, a note, etc. This application does not limit the field content of the arrival notification information.

[0027] In some embodiments, the channel system sends the arrival notification information to the cross-border system through the message middleware. For example, the message middleware can be RocketMQ (Rocket Message Queue), a distributed message middleware open sourced by Alibaba and donated to Apache, which has the advantages of high performance, high reliability, high real-time, low latency and massive message accumulation. This application does not limit the type of message middleware.

[0028] In step S12, the cross-border system obtains corresponding account deposit information according to the account arrival notification information, and the account system records the corresponding account deposit amount into the merchant's pending account based on the account deposit information, wherein the account deposit information includes payer information, payee information and account deposit amount information about the digital RMB.

[0029] In some embodiments, after obtaining the arrival notification information provided by the channel system, the cross-border system will perform data processing on the arrival notification information to obtain the corresponding account information, which includes but is not limited to payer information (including but not limited to any information related to the payer), payee information (including but not limited to any information related to the payee) and account amount information (including but not limited to any information related to the account amount, the account amount is the remittance amount that is included in the umbrella wallet after the overseas buyer makes a cross-border remittance based on digital RMB to the cross-border umbrella wallet opened by the merchant, that is, the digital RMB amount), etc. The payer information includes but is not limited to the payer account information, payer name information, payer address information, payer country information, payer bank information, etc. The payee information includes but is not limited to the payee account information, payee name information, payee address information, etc. In some embodiments, before the cross-border system performs data processing on the arrival notification information, it will first add a distributed lock (for example, a redis (Remote DictionaryServer, Remote Dictionary Service) distributed lock) to the arrival notification information, and lock the arrival notification information for a preset time (for example, 3 minutes) to prevent data confusion caused by multiple machine executions. In some embodiments, the account serial number between the payment platform and the bank institution will be used to check whether the transaction corresponding to the account arrival notification information is repeated. Only when it is determined that it is not repeated will the subsequent operation be continued. In some embodiments, the identification information of the merchant (for example, merchant ID) will be obtained through SQL (Structured Query Language) query in the established mapping table based on the institution code of the bank institution corresponding to the account arrival notification information and the account information of the payee. In some embodiments, the channel system will generate the corresponding account entry transaction, and based on the account entry information, generate the corresponding transaction order information, payment order information, participant information, payment method information, etc., and save it in the database. In some embodiments, the channel system will send the corresponding account entry request to the account system, so that the account system uses double-entry bookkeeping to record the corresponding account entry amount (the amount of digital RMB entered, that is, the remittance amount credited to the cross-border umbrella wallet opened by overseas buyers to the merchant after cross-border remittance) from the umbrella wallet to the merchant's pending account on the payment platform, where the digital RMB amount is recorded in the pending account, and the actual digital RMB remitted by the cross-border buyer is still in the corresponding banking institution. In some embodiments, after the account entry is completed, the cross-border system will notify the merchant of an incoming account notification, for example, calling the SMS system to notify the merchant of an incoming account notification via SMS, and the corresponding request parameters include but are not limited to SMS templates, mobile phone numbers, parameters that need to be replaced in SMS, etc.

[0030] In step S13, the cross-border system responds to the merchant's request for associating the account entry information with the contract order information between the merchant and the overseas buyer, associates the account entry information with the contract order information, obtains first audit result information corresponding to the account entry information, and sends the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform.

[0031] In some embodiments, the merchant can initiate an association request for the contract order information between the merchant and the overseas buyer on the client (including but not limited to web pages, applications, mini-programs, etc.), and associate the account information with the contract order information, wherein the contract order information refers to the order information generated based on the contract between the merchant and the overseas buyer, and the contract order information includes but is not limited to the contract number, trading country, total order amount, currency, payment method, contract material, contract commodity information (commodity English name, commodity Chinese name, commodity quantity, commodity unit price, commodity unit), logistics information (logistics company name, delivery mode, freight forwarder name, actual delivery date, logistics method), etc., and this application does not limit this. In some embodiments, the merchant can select a created contract order information and initiate an association request for the contract order information, or the merchant can also create a new contract order information and initiate an association request for the contract order information. In some embodiments, the picture information or photo information of the contract is stored in the cross-border corresponding directory in the file server. In some embodiments, the account information can be associated with only one contract order information, or it can also be associated with multiple contract order information at the same time. In some embodiments, the merchant selects the account entry information on the client, selects the associated contract order information, fills in the associated amount for each expected associated contract order information, and the sum of the associated amounts corresponding to all contract order information associated with the account entry information needs to be less than or equal to the account entry amount corresponding to the account entry information.

[0032] In some embodiments, after associating the account entry information with the contract order information, the payment platform (for example, the cross-border system) may perform a manual review based on the account entry information and the contract order information, and manually fill in the first review result information corresponding to the account entry information (i.e., the review result information on the payment platform side corresponding to the account entry information). The cross-border system will call the channel system via RPC (Remote Procedure Call) to send the first review result information to the channel system. Alternatively, the payment platform (for example, the cross-border system) will automatically review the account entry information, contract order information, merchant list, its own historical data statistics (for example, the number of historical successful merchant reviews), and other information to generate the first review result information corresponding to the account entry information (i.e., the review result information on the payment platform side corresponding to the account entry information). The cross-border system will call the channel system via RPC to send the first review result information to the channel system.

[0033] In step S14, the second audit result information corresponding to the account entry information is obtained through the cross-border system and provided by the channel system. If the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated, and the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account based on the settlement payment order through the account system, wherein the second audit result information is generated by the bank institution after auditing the account entry information based on the first audit result information.

[0034] In some embodiments, the channel system provides the first audit result information to the corresponding banking institution. For example, the first audit result information may be sent to the banking institution by calling an interface provided by the banking institution. This application does not limit the specific manner in which the channel system provides the first audit result information to the banking institution.

[0035] In some embodiments, the bank institution reviews the account information based on the first audit result information. The bank institution can choose to refund to overseas or pass the audit, and generate the corresponding second audit result information (i.e., the audit result information on the bank side corresponding to the account information). The present application does not limit the content of the second audit result. Specifically, if the first audit result information indicates that the account information is not audited by the payment platform side, the bank institution does not need to audit the account information and directly refunds the corresponding account amount to overseas. If the first audit result information indicates that the account information is audited by the payment platform side, the bank institution needs to audit the account information. If the audit fails, the corresponding account amount is refunded to overseas. In some embodiments, the channel system obtains the second audit result information from the bank institution. For example, the bank institution calls the interface provided by the channel system to send the second audit result information to the channel system. The present application does not limit the specific way in which the channel system obtains the second audit result information from the bank institution. In some embodiments, the channel system sends the second audit result information to the cross-border system through the message middleware. For example, the message middleware can be RocketMQ. The present application does not limit the type of message middleware.

[0036] In some embodiments, if the second audit result information indicates that the account entry information has been approved by the bank side, the cross-border system will continue to promote the account entry transaction. Under the account entry transaction, a payment order of type "settlement" will be generated, that is, a settlement payment order. The payer among the participants corresponding to the settlement payment order is the merchant's pending account, and the payee is the merchant's available balance account. In some embodiments, the cross-border system drives the account system through the clearing system, and the account system uses double-entry bookkeeping to record accounts. The merchant's pending account in the payment platform transfers the account entry amount (that is, the amount of digital RMB entered, that is, the amount of digital RMB included in the merchant's pending account) to the merchant's available balance account in the payment platform, wherein the amount transferred to the available balance account is a representation of the amount of digital RMB, and the actual digital RMB remitted by the cross-border buyer is still in the corresponding banking institution. In some embodiments, the cross-border system will provide the corresponding account entry audit result to the merchant, for example, calling the SMS system to notify the merchant of the corresponding account entry audit result by SMS. In some embodiments, the merchant can withdraw the deposited amount in the available balance account, while the deposited amount in the pending deposit account does not support withdrawal. For example, the merchant can choose to bind a bank account to perform the withdrawal process, and the deposited amount will eventually be withdrawn from the available balance account to the bank account bound to the merchant.

[0037] This application obtains the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant and supporting digital RMB through the channel system, and provides the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about digital RMB for the umbrella wallet, and the corresponding account entry information is obtained through the cross-border system according to the account arrival notification information, and the corresponding account entry amount is recorded into the merchant's pending account based on the account entry information through the account system, wherein the account entry information includes payer information, payee information and account entry amount information about digital RMB; In response to the merchant's request for associating the account entry information with the contract order information between the merchant and the overseas buyer, the cross-border system associates the account entry information with the contract order information, obtains first audit result information corresponding to the account entry information, and sends the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform; obtains second audit result information corresponding to the account entry information provided by the channel system through the cross-border system, and if the second audit result information indicates that the account entry information has been approved, generates a corresponding settlement payment order, and sends the first audit result information to the channel system through the cross-border system. The account system transfers the digital RMB corresponding to the deposit amount information from the merchant's pending account to the merchant's available balance account based on the settlement payment order, wherein the second audit result information is generated by the bank institution after reviewing the deposit information based on the first audit result information, which can facilitate merchants to quickly receive cross-border funds, reduce cross-border fund transmission links, and reduce fund costs. By opening an umbrella wallet for each merchant, the payee and payee information in cross-border scenarios is truly reflected, which is more conducive to fund supervision and transparent fund links. Since a cross-border umbrella wallet is opened for each domestic merchant, overseas payers can directly fill in the name of the payee when remitting money. The domestic merchant name and the payee account number are the cross-border umbrella wallets corresponding to the domestic merchants. From the information level, it can be directly identified which merchant the remittance is to. In addition, since the remittance information is filled in with the domestic merchant, the payee name, payee account number and other information can be directly obtained in the incoming notification. The information is more transparent and more conducive to supervision. By reducing the steps of transferring funds from overseas to domestic banks, the capital link is shorter, which allows merchants to receive overseas remittance notifications faster and reduces the cost of this part of the transfer. In addition, the funds are directly in domestic banks, which is safer than before. It can also reduce the handling fees for transferring funds from overseas back to the domestic market, reduce costs, and significantly improve the user experience when collecting cross-border payments.

[0038] In some embodiments, the obtaining of the second audit result information of the bank side corresponding to the account entry information provided by the channel system through the cross-border system includes: generating a corresponding first audit result file based on the first audit result information through the channel system and providing it to the bank institution, so that the bank institution audits the account entry information based on the first audit result file to generate a corresponding second audit result file, obtaining the second audit result file from the bank institution through the channel system, obtaining the second audit result information of the bank side corresponding to the account entry information based on the second audit result file, and obtaining the second audit result information provided by the channel system through the cross-border system. In some embodiments, the channel system generates a corresponding first audit result file based on all audit result information including the first audit result information within the current batch number by marking the received first audit result information as the current batch number (for example, obtaining the largest batch number of the day, and the batch number plus 1 is the current batch number). For example, the file type of the first audit result file is txt, and the field separator is "|". Each line in the file content represents each first audit result. The field content of the first audit result includes but is not limited to the entry serial number, audit result, payee name, organization code, final clearing account number, etc. This application does not limit the type and content of the first audit result file, and the content of the first audit result. In some embodiments, the channel system provides the first audit result file to the banking institution, which can be sent to the banking institution by calling the interface provided by the banking institution, or the channel system can place the first audit result file in a designated directory of the file server, and the banking institution obtains the first audit result file from the file server. This application does not limit the specific way in which the channel system provides the first audit result file to the banking institution. In some embodiments, the banking institution reviews the entry information based on the first audit result file, and the banking institution can choose to refund overseas or pass the audit to generate the corresponding second audit result file. In some embodiments, the channel system obtains the second audit result file from the bank institution. For example, the bank institution calls the interface provided by the channel system to send the second audit result file to the channel system, or the bank institution places the second audit result file in a specified directory on the file server, and the channel system obtains the second audit result file from the file server. This application does not limit the specific manner in which the channel system obtains the second audit result file from the bank institution. In some embodiments, the channel system parses the second audit result file to obtain the second audit result information on the bank side corresponding to the entry information, and sends the second audit result information to the cross-border system through the message middleware.For example, the file type of the second audit result file is txt, the field separator is “|”, each line in the file content represents each second audit result, and the field content of the second audit result includes but is not limited to the account serial number, audit result, etc. This application does not limit the type and content of the second audit result file.

[0039] In some embodiments, the payer information includes payer name information and payer address information, and the payee information includes payee name information and payee address information; wherein, obtaining the corresponding account information according to the arrival notification information through the cross-border system includes: parsing the arrival notification information through the cross-border system to obtain the corresponding payer field and payee field; performing field splitting on the payer field and the payee field respectively to obtain the payer name information, payer address information, payee name information and payee address information. In some embodiments, since the payer name information and payer address information in the account arrival notification information provided by the bank institution are in the same field without being split, the payee name information and payee address information in the account arrival notification information are also in the same field without being split. After parsing the account arrival notification information, the cross-border system can only obtain the corresponding payer field and payee field. It is necessary to split the payer field and the payee field respectively through a matching method based on preset keywords or regular expressions to obtain the payer name information, payer address information, payee name information and payee address information. In some embodiments, it is also necessary to format the payer name information and the payee name information respectively to obtain the formatted payer name information and the payee name information.

[0040] In some embodiments, the payer information also includes payer country information; wherein, obtaining the corresponding deposit information according to the arrival notification information through the cross-border system also includes any of the following: parsing the arrival notification information through the cross-border system to obtain the bank international code field; splitting the character information of the preset digits in the bank international code field to obtain the payer country information; and replacing the special characters of the payer address information through the cross-border system to obtain the payer country information matching the replaced payer address information. In some embodiments, if there is no payer country information in the arrival notification information provided by the bank institution, the arrival notification information can be parsed first to obtain the bank international code field, and then the character information of the preset digits (for example, the 5th and 6th digits) in the bank international code field can be split to obtain two-digit country and region code information, and use it as the payer country information, or, after replacing the special characters of the payer address information parsed from the arrival notification information, the replaced payer address information is used to match the keywords in the "keyword and country and region mapping table", and if a match is found, the two-digit code of the country and region information matching it is used as the payer country information.

[0041] In some embodiments, the payee information also includes payee bank information; wherein, the obtaining corresponding account entry information according to the account arrival notification information through the cross-border system also includes any of the following: parsing the account arrival notification information through the cross-border system to obtain the bank international code field; querying to obtain the payee bank information corresponding to the bank international code field; parsing the account arrival notification information through the cross-border system to obtain the payee account information; obtaining the payee bank information from the historical account arrival notification information corresponding to the overseas seller based on the payee account information. In some embodiments, if there is no payee bank information in the account arrival notification information provided by the bank institution, the account arrival notification information can be parsed first to obtain the bank international code field, and then the payee bank information corresponding to the bank international code field can be obtained by querying the local basic data table, and it can be used as the payee bank information corresponding to the account entry information, or the account arrival notification information can be parsed first to obtain the payee account information, and then the payee bank information in the corresponding overseas seller's historical account arrival notification information can be obtained according to the payee account information, and it can be used as the payee bank information corresponding to the account entry information.

[0042] In some embodiments, the payment platform further includes a risk control system; wherein, the corresponding deposit amount is credited to the merchant's pending account based on the deposit information through the account system, including: the risk screening of the payee information through the risk control system, and if the risk screening is passed, the corresponding deposit amount is credited to the merchant's pending account based on the deposit information through the account system. In some embodiments, the risk control system is used to handle business related to merchant risks and to perform risk control on merchants. In some embodiments, the risk control system will perform risk screening on at least one of the payee name, payee ID number, payment method proxy name, and payment method proxy ID number in the payee information in a designated list library, and only if the risk screening is passed will the deposit amount corresponding to the deposit information be credited to the merchant's pending account through the account system.

[0043] In some embodiments, the obtaining of the first audit result information corresponding to the account entry information includes: performing a flow check on the account entry information and performing a parameter check on the contract order information; if the account entry information passes the flow check and the contract order information passes the parameter check, the first audit result information corresponding to the account entry information is obtained. In some embodiments, after associating the contract order information with the account entry information, it is necessary to first verify the flow corresponding to the account entry information and verify the parameters corresponding to the contract order information. Only when both the flow check and the parameter check are passed, will the first audit result information on the payment platform side corresponding to the account entry information be obtained. Otherwise, the payment platform side does not need to review the account entry information again and can directly determine that the account entry information has not passed the review on the payment platform side. In some embodiments, the flow check on the account entry information includes but is not limited to verifying whether the corresponding flow of the account entry information is in the "pending contract association" state, and this example embodiment does not specifically limit this. In some embodiments, parameter verification of contract order information includes but is not limited to verifying whether the number of contracts corresponding to the account information is less than or equal to a preset threshold of the number of associated contracts (for example, 10), and verifying whether the contract corresponding to the account information is in a "rejected" state. This example embodiment does not make any special limitations on this.

[0044] In some embodiments, the method further includes: performing a consistency check on the matching between the account entry information and the contract order information; wherein, if the account entry information passes the flow check and the contract order information passes the parameter check, obtaining the first audit result information corresponding to the account entry information includes: if the account entry information passes the flow check, the contract order information passes the parameter check and the matching between the account entry information and the contract order information passes the consistency check, obtaining the first audit result information corresponding to the account entry information. In some embodiments, in addition to performing a flow check on the account entry information and a parameter check on the contract order information, a consistency check is also required on the matching between the account entry information and the contract order information. Only when all the flow check, parameter check and consistency check are passed, will the first audit result information on the payment platform side corresponding to the account entry information be obtained. Otherwise, the payment platform side does not need to audit the account entry information again and can directly determine that the account entry information has not passed the audit on the payment platform side. In some embodiments, the consistency check on the matching between the account information and the contract order information includes but is not limited to checking whether the currency of the transaction flow corresponding to the account information is consistent with the currency of the contract corresponding to the contract order information, checking whether the amount of the transaction flow corresponding to the account information is consistent with the total amount of the contract corresponding to the contract order information, and checking whether the institution of the transaction flow corresponding to the account information is consistent with the institution to which the contract corresponding to the contract order information belongs. This example embodiment does not make any special limitations on this.

[0045] In some embodiments, if the account entry information passes the transaction verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the first audit result information corresponding to the account entry information is obtained, including: if the account entry information passes the transaction verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the risk control system is used to perform risk screening on the payee information again, and if the risk screening passes, the first audit result information corresponding to the account entry information is obtained. In some embodiments, when the transaction verification, parameter verification, and consistency verification have all passed, the risk control system will once again conduct risk screening on at least one of the payee name, payee ID number, payment method proxy name, and payment method proxy ID number in the payee information in a designated list library. Only when the risk screening is passed will the first audit result information on the payment platform side corresponding to the account entry information be obtained. If the business verification fails, there is no need for further review, and it can be directly determined that the account entry information has failed the review on the payment platform side. The purpose of conducting risk screening on the payee information again here is to avoid the situation where the time of receiving the arrival notification information and the time of associating the account entry information with the contract order information are not the same day. The list library may be updated, so another risk screening is required.

[0046] In some embodiments, the obtaining of the first audit result information corresponding to the account entry information includes: automatically auditing the account entry information based on the merchant information, the account entry information and the contract order information of the merchant provided by the channel system by the risk control system, and obtaining the first audit result information corresponding to the account entry information. In some embodiments, the risk control system automatically audits the account information based on the merchant information, account entry information and contract order information of the merchant provided by the channel system, according to its own historical data statistics (for example, the number of successful historical audits of the merchant) plus a preset list or preset rules, and obtains the first audit result information on the payment platform side corresponding to the account entry information.

[0047] In some embodiments, the method further includes: if the second audit result information indicates that the account information is refunded, freezing the account amount in the merchant's account to be credited through the account system. In some embodiments, if the second audit result information indicates that the account information is refunded by the bank, the account system will use double-entry bookkeeping to record the account, and first freeze the account amount in the merchant's account to be credited.

[0048] In some embodiments, the method further comprises: obtaining the refund status corresponding to the credited amount from the channel system through the account system, and if the refund status indicates that the refund is successful, deducting the credited amount from the merchant's account to be credited, and if the refund status indicates that the refund fails, unfreezing the credited amount in the merchant's account to be credited. In some embodiments, the bank institution provides the refund status corresponding to the credited amount to the channel system, so that the account system obtains the refund status from the channel system, and if the refund status indicates that the refund is successful, the account system uses the double-entry bookkeeping method to record the account, deducting the credited amount in the merchant's account to be credited, and if the refund status indicates that the refund fails, the account system uses the double-entry bookkeeping method to record the account, unfreezing the credited amount in the merchant's account to be credited.

[0049] In some embodiments, the payment platform also includes a merchant system; wherein the method also includes: in response to an umbrella wallet opening request initiated by the merchant, generating corresponding wallet opening details information through the merchant system, and sending the wallet opening details information to the channel system; providing the wallet opening application document corresponding to the wallet opening details information to the bank institution through the channel system, so that the bank institution generates a corresponding return file based on the wallet opening application document, obtaining the return file from the bank institution through the channel system, parsing the return file to obtain corresponding wallet opening result information, and providing the wallet opening result information to the merchant system; if the wallet opening result information indicates that the opening is successful, binding the identification information of the umbrella wallet in the wallet opening result information with the identification information of the merchant through the merchant system, providing the merchant with the collection account information of the umbrella wallet, so that the overseas buyer makes overseas remittances based on the collection account information. In some embodiments, the merchant system is used to handle business related to merchant account opening. In response to the merchant initiating an umbrella wallet opening request on the application page of the client (including but not limited to applications, web pages, mini-programs, etc.), the client will send the request to the merchant system. After receiving the request, the merchant system generates a record with a status of pending submission. The corresponding fields include but are not limited to merchant ID, merchant name, institution merchant number, institution account name, institution, declaration status, business type, creation time, modification time, etc. This application does not impose any restrictions on this. In some embodiments, after the reporting status is changed to pending, there is a scheduled task to process the records to be reported, perform data processing to generate corresponding wallet opening details, and send the wallet opening details to the channel system. During the task processing, the records to be reported are processed one by one, and the merchant information of the merchant is gathered to generate corresponding wallet opening details. The merchant information includes but is not limited to merchant ID, merchant Chinese name, merchant English name, function type, merchant type, MCC (Merchant Category Code, merchant category code) code, business license number, province code, city code, business address, merchant responsible person, merchant account opening contact name, merchant account opening contact email, merchant account opening contact phone, legal representative name, certificate type, etc. This application does not limit this. In some embodiments, after the data processing is completed, the generated wallet opening details are sent to the channel system through RPC call. After the call is successful, the reporting status is changed to submitting.In some embodiments, the channel system will write multiple wallet opening details including the wallet opening details into the wallet opening application file, and upload the wallet opening application file to the designated directory in the file server. Each wallet opening details includes but is not limited to the corresponding merchant's merchant ID, merchant abbreviation, merchant full name, mother wallet (i.e. umbrella wallet) number, sub-wallet name, sub-wallet function type, merchant type, MCC code, business license number, province code, city code, business address, merchant responsible person, merchant account opening contact name, merchant account opening contact email, merchant account opening contact phone number, contracting party, etc. This application does not limit this. In some embodiments, the channel system will provide the wallet opening application file to the banking institution. For example, the channel system can send the wallet opening application file to the banking institution by calling the interface provided by the banking institution, or the channel system will upload the wallet opening application file to the designated directory in the file server, and then the banking institution obtains the wallet opening application file from the file server.

[0050] In some embodiments, the banking institution will generate a corresponding return file (i.e., wallet opening result file) based on the wallet opening application file obtained from the file server, and then upload the return file to a specified directory in the file server. The return file includes but is not limited to the detailed order number, the bottom wallet number, the status, the result code, the result description, etc., and this application does not limit this. In some embodiments, the banking institution will provide the return file to the channel system. For example, the banking institution sends the return file to the channel system by calling the interface provided by the channel system, or the banking institution uploads the return file to a specified directory in the file server, and then the channel system obtains the return file from the file server. This application does not limit the specific way in which the banking institution provides the return file to the channel system. In some embodiments, the channel system obtains the corresponding wallet opening result information by parsing the return file, and sends the wallet opening result information to the merchant system through the asynchronous notification of the message middleware. For example, the message middleware can be RocketMQ. In some embodiments, the merchant system can also actively query the channel system for the corresponding wallet opening result information. Active query and asynchronous notification form a combined means to ensure information completeness. If the asynchronous notification is not notified to the merchant system due to abnormal circumstances, the query function can also query the wallet opening result.

[0051] In some embodiments, after the merchant system obtains the wallet opening result information, if the wallet opening result information indicates that the opening is successful, the identification information of the umbrella wallet in the wallet opening result information (for example, the umbrella wallet number) is bound to the identification information of the merchant (for example, the merchant ID), and the merchant is provided with the payable collection account information of the umbrella wallet, so that the merchant can view the payable collection account information on the front-end page, so that the merchant can send the collection account information to overseas buyers, so that overseas buyers can make cross-border remittances abroad based on the collection account information, wherein the collection account information includes but is not limited to the collection account number (wallet number), payee name, currency, bank name, account opening region, account opening address, bank international code, bank interbank number, etc., and this application does not impose any restrictions on this.

[0052] In some embodiments, the method further includes: determining, through the merchant system, a bank institution corresponding to the umbrella wallet from a plurality of bank institutions cooperating with the payment platform. In some embodiments, when the merchant initiates an umbrella wallet opening request, the merchant needs to select a bank institution from a plurality of bank institutions that have a cooperative relationship with the payment platform displayed on the client (application, webpage, applet, etc.), and then the client sends the identification information of the bank institution selected by the user to the merchant system, and the merchant system uses the bank institution as the bank institution corresponding to the overseas umbrella wallet currently opened by the merchant. In some embodiments, when the merchant initiates an umbrella wallet opening request, the merchant system automatically selects a bank institution from a plurality of bank institutions that have a cooperative relationship with the payment platform as the bank institution corresponding to the overseas umbrella wallet currently opened by the merchant. For example, the merchant system determines a bank institution that matches the historical transaction portrait information from a plurality of bank institutions as the bank institution corresponding to the overseas umbrella wallet according to the merchant's historical transaction portrait information. For another example, the merchant system uses a bank institution that has bound the corresponding bank card of the merchant in the payment platform as the bank institution corresponding to the overseas umbrella wallet from a plurality of bank institutions.

[0053] In some embodiments, the sending of the wallet opening details to the channel system includes: based on the preset field rules of the bank institution corresponding to the umbrella wallet, field mapping of the wallet opening details, and sending the mapped wallet opening details to the channel system. In some embodiments, when the merchant system performs data processing on the records to be reported to generate the corresponding wallet opening details, it will map the field names and / or field values ​​of the preset fields in the wallet opening details according to the preset field mapping rules of the bank institution corresponding to the cross-border umbrella wallet, and then send the mapped wallet opening details to the channel system, wherein the preset fields include but are not limited to the certificate type, merchant type, etc., and this application does not limit this.

[0054] In some embodiments, uploading the wallet opening application file corresponding to the wallet opening details information to the file server through the channel system includes: marking the wallet opening details information with the current batch number through the channel system, writing multiple wallet opening details corresponding to the current batch number into the wallet opening application file, and uploading the wallet opening application file to the file server. In some embodiments, the channel system will batch package the wallet opening details information. Before batch packaging the wallet opening details information, it will first add a distributed lock (for example, a redis distributed lock) to lock the wallet opening details information for a preset time (for example, 3 minutes), and then obtain the current maximum batch number, add 1 to the maximum batch number as the current batch number, and mark the wallet opening details information with the current batch number. There is an upper limit on the number of details corresponding to each batch number, and the corresponding upper limit value can be preset. In some embodiments, the channel system processes the wallet opening details of the batched wallets one by one. Before processing, a distributed lock will be added to lock the batch for a preset time, and then all wallet opening details in the batch will be obtained and written into the wallet opening application file, and the batch status will be updated to be sent. In some embodiments, the first line of the wallet opening application file is the file header record content, and the record identifier, sequence number, source file name, total number of details, batch / online identifier, data batch number, file processing type, remarks and other information are written. This application does not limit this. Each line of data in the wallet opening application file starting from the second line is a wallet opening details information. In some embodiments, the channel system uploads the wallet opening application file to the specified directory in the file server. If the transmission is normal, the batch status is updated to sent. If the transmission is abnormal, the batch status is updated to send abnormally, and the cause of the abnormality is recorded. The abnormal batch will be regenerated and uploaded in the next task. In some embodiments, the channel system obtains a return file at preset time intervals, and for a batch currently being processed, assembles the file name of the return file corresponding to the batch according to the file name of the wallet opening application file corresponding to the batch, thereby obtaining the return file in a specified directory in the file server, and then parses the return file to obtain wallet opening result information corresponding to one or more wallet opening details corresponding to the batch.

[0055] In some embodiments, providing the wallet opening result information to the merchant system includes: encrypting the identification information of the umbrella wallet in the wallet opening result information, and providing the encrypted wallet opening result information to the merchant system; wherein, binding the identification information of the umbrella wallet in the wallet opening result information with the identification information of the merchant through the merchant system includes: obtaining the identification information of the umbrella wallet from the wallet opening result information through decryption processing by the merchant system; binding the identification information of the umbrella wallet with the identification information of the merchant. In some embodiments, after parsing the return file to obtain the corresponding wallet opening result information, the channel system will encrypt the identification information (umbrella wallet number) of the umbrella wallet in the wallet opening result information (for example, SM (Elliptic Curve Public Key Cryptography Algorithm, elliptic curve public key cryptography algorithm) 4 symmetric encryption, SM4 key is encrypted and stored by SM2, and this application does not limit the encryption method), and then provide the encrypted wallet opening result information to the merchant system. In some embodiments, after the merchant system obtains the wallet opening result information provided by the channel system, it needs to decrypt the wallet opening result information, obtain the identification information of the umbrella base wallet, and then bind the identification information of the umbrella base wallet with the identification information of the merchant.

[0056] Figure 2 A flow chart of a method for cross-border payment collection according to an example provided in an embodiment of the present application is shown.

[0057] like Figure 2As shown in the figure, the payment platform includes cross-border system, clearing system, account system and channel system. Overseas buyers make TT (Telegraphic Transmission) payments overseas based on the payee information of the cross-border umbrella wallet opened by the merchant. Transfer, electronic remittance), the bank institution corresponding to the cross-border umbrella wallet obtains the corresponding account entry notification file of the overseas remittance information, and provides the account entry notification file to the channel system. The channel system parses the account entry notification file to obtain the corresponding account entry notification, and pushes the account entry notification to the cross-border system. The cross-border system generates the corresponding flow record based on the account entry notification and generates the corresponding account entry transaction. Then the risk control system will perform risk screening on the payee. If the risk screening passes, the account system will perform account settlement based on the clearing system, and the corresponding account entry amount will be recorded in the merchant's pending account. Then the cross-border system will notify the merchant that there is an incoming account notification. The merchant creates the contract order information on the client and submits a request to the cross-border system to associate the contract order information with the account entry transaction. The cross-border system will perform corresponding business verification based on the association request. After the business verification passes, the payee will be screened for risk again. If the risk screening passes, a preliminary review will be conducted and The corresponding audit results will be notified to the channel system one by one. The channel system will summarize the orders in batches and generate files for the bank to review. The channel system will obtain the bank processing result files and notify the cross-border system of the corresponding bank review results. If the bank passes the review, the cross-border system will continue to promote the entry transaction. The account system will perform account settlement on the entry transaction based on the clearing system, and transfer the corresponding entry amount from the merchant's pending account to the merchant's available balance account. If the bank chooses to refund directly overseas, the cross-border system will generate another entry refund transaction under the entry transaction and freeze the merchant's pending account balance. The channel system will provide the corresponding bank institution notification (refund success or failure) to the cross-border system. The cross-border system will parse the bank institution notification. The account system will perform account settlement based on the clearing system. If the refund is successful, the merchant's pending account balance will be deducted. If the refund fails, the merchant's pending account balance will be unfrozen.

[0058] Figure 3 A flow chart of a method for opening a cross-border umbrella wallet according to an example provided in an embodiment of the present application is shown.

[0059] like Figure 3As shown, the merchant system responds to the account opening application request for the cross-border umbrella wallet initiated by the domestic merchant, and sends the account opening application request to the channel system. The channel system batch-packages the received account opening application requests to generate corresponding application documents and sends them to the banking institution. The channel system will poll the return file corresponding to the application file, parse the return file to obtain the corresponding account opening result, and notify the merchant system of the account opening result. The merchant system can also actively query the account opening status. In response to the domestic merchant viewing the account opening result, the cross-border system will return the corresponding account opening result to the domestic merchant.

[0060] Figure 4 A structural diagram of a computing device for cross-border collection according to an embodiment of the present application is shown, which is used for a payment platform, wherein the payment platform includes a cross-border system, a channel system and an account system, and the computing device includes a one-module 11, a one-two module 12, a one-three module 13 and a one-four module 14. A module 11 is used to obtain, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet that supports digital RMB opened by the merchant, and provide the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about digital RMB for the umbrella wallet; a module 12 is used to obtain corresponding account entry information according to the account arrival notification information through the cross-border system, and record the corresponding account entry amount into the merchant's pending account based on the account entry information through the account system, wherein the account entry information includes payer information, payee information and account entry amount information about digital RMB; a module 13 is used to respond to the merchant's request initiated by the cross-border system for the account entry information regarding the contract between the merchant and the overseas buyer. A request for associating the account entry information with the contract order information is used to associate the account entry information with the contract order information, obtain the first audit result information corresponding to the account entry information, and send the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform; a module 14 is used to obtain the second audit result information corresponding to the account entry information provided by the channel system through the cross-border system, if the second audit result information indicates that the account entry information has been reviewed and approved, generate a corresponding settlement payment order, and transfer the digital RMB corresponding to the account entry amount information from the merchant's pending account to the merchant's available balance account through the account system based on the settlement payment order, wherein the second audit result information is generated by the bank institution after reviewing the account entry information based on the first audit result information.

[0061] A module 11 is used to obtain, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant and supporting the digital RMB, and provide the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas remittance information of the digital RMB from the overseas buyer to the umbrella wallet.

[0062] In some embodiments, the payment platform includes a cross-border system, a channel system and an account system. The cross-border system is used to process business related to cross-border transfers, the account system is used to process business related to merchant accounts, and the channel system is used to process business related to the interaction between the payment platform and external institutions (for example, banking institutions). The channel system is the hub for the interaction between the payment platform and external institutions, receiving business requests from internal business systems internally and calling systems of external institutions externally. In some embodiments, the cross-border system, the channel system and the account system can be located on the same server, or they can also be located on different servers. In some embodiments, the banking institutions in this application do not need to support the VA account system (i.e., a virtual account, which is an account form generated by a bank or payment institution for a customer, mainly used for cross-border payments and fund management).

[0063] In some embodiments, the umbrella wallet that the merchant has opened on the payment platform is a cross-border umbrella wallet that supports digital RMB (i.e., an umbrella wallet that supports cross-border transfers of digital RMB, and a cross-border umbrella wallet can receive digital RMB remitted from abroad). In some embodiments, the umbrella wallet is part of the umbrella wallet model, and together with the umbrella wallet, it constitutes a digital currency settlement tool. The umbrella wallet model consists of an umbrella wallet and an umbrella wallet, where the umbrella wallet is a physical wallet, and the umbrella wallet is a wallet opened in the name of the umbrella wallet. In the umbrella wallet model, banking institutions open public wallets for platform enterprises (for example, payment platforms) and associate them with platform merchants one by one. When merchants receive payments, the funds are automatically collected in the umbrella wallet to complete the clearing and settlement. This model effectively lowers the threshold for merchants to open digital currency payments, especially in cross-border payment scenarios. A cross-border payment-dedicated wallet is opened for each merchant as an umbrella wallet. After the user remits the money, the funds are collected in the umbrella wallet for clearing. In some embodiments, the cross-border umbrella wallet only allows digital RMB to be received, that is, only cross-border buyers are allowed to use digital RMB to remit money from abroad to the merchant's umbrella wallet. In some embodiments, the cross-border umbrella wallet opened by the merchant on the payment platform needs to correspond to a banking institution. The payment platform can select a banking institution corresponding to the cross-border umbrella wallet from the banking institutions cooperating with the payment platform when the merchant opens the cross-border umbrella wallet, or the merchant can also select a banking institution corresponding to the cross-border umbrella wallet from the banking institutions cooperating with the payment platform when opening the cross-border umbrella wallet. In some embodiments, the umbrella wallet is not open to the public, and the merchant can only view the identification information of the umbrella wallet (for example, wallet number) through the payment platform. The bank institution corresponding to the umbrella wallet needs to be reviewed and paid before it can become the merchant's available balance.

[0064] In some embodiments, after the merchant provides the payee information of the cross-border umbrella wallet opened on the payment platform to the overseas buyer, the overseas buyer can make cross-border remittances to the umbrella wallet based on the payee information overseas through channels such as CIPS (Cross-border Interbank Payment System) or SWIFT (Society for Worldwide Interbank Financial Telecommunications, international funds clearing system), that is, the overseas buyer remits a certain amount of digital RMB to the umbrella wallet across borders overseas. This application does not restrict the cross-border remittance channels.

[0065] In some embodiments, after an overseas buyer makes a cross-border remittance to a cross-border umbrella wallet opened by a merchant, the corresponding remittance amount (i.e. the amount of digital RMB remitted) will first be credited to the umbrella wallet. Subsequently, the payment platform and the banking institution corresponding to the umbrella wallet will successively review the incoming account. After both are reviewed and approved, the remittance amount will be transferred to the merchant's domestic bank account, allowing the merchant to complete cross-border collection of payments from overseas buyers.

[0066] In some embodiments, the channel system obtains the account arrival notification information provided by the bank institution corresponding to the umbrella wallet opened by the merchant. The specific method may be that the bank institution directly sends the account arrival notification information generated based on the overseas remittance information of the overseas buyer to the umbrella wallet to the channel system by calling the interface provided by the channel system. Alternatively, the bank institution may provide an interface for querying the account arrival notification information within a certain time period, and the channel system may obtain all the account arrival notification information within the time period by calling the interface at a predetermined time (for example, every predetermined time interval). Alternatively, the bank institution may write multiple overseas remittance information including the overseas remittance information based on the overseas buyer to the umbrella wallet into an account arrival notification file at a predetermined time (for example, every predetermined time interval), and then the channel system obtains the account arrival notification file from the bank institution once every predetermined time interval. For example, the bank institution uploads the account arrival notification file to a file server (for example, an SFTP server, SFTP (SSH File Transfer Protocol) is a file transfer protocol based on SSH (Secure FTP)). Shell, a network protocol for secure remote login and file transfer) secure file transfer protocol), this application does not limit the type of file server, and then the channel system obtains the arrival notification file from the file server. This application does not limit the specific way in which the channel system obtains the arrival notification information from the banking institution. In some embodiments, after obtaining the arrival notification file, the channel system will parse the arrival notification file and obtain the arrival notification information from the arrival notification file. For example, the file type of the arrival notification file is txt, the file encoding is GB18030, the field separator is "|", and each line in the arrival notification file is an arrival notification information. This application does not limit the type of the arrival notification file.

[0067] In some embodiments, the fields in the arrival notification information include the message identification number, the initiating direct participating bank, the message time, the message type, the currency symbol, the amount, the party bearing the cost, the bank number of the direct payment participant, the bank number of the indirect payment participant, the payee's (bank) account number, the payee's (bank) name, the payee's (bank) account opening bank number, the payment opening bank / non-bank payment institution name, the receiving direct participant bank number, the payee's (bank) account number, the payee's (bank) name, the payee's (bank) account opening bank number, a note, etc. This application does not limit the field content of the arrival notification information.

[0068] In some embodiments, the channel system sends the arrival notification information to the cross-border system through the message middleware. For example, the message middleware can be RocketMQ (Rocket Message Queue), a distributed message middleware open sourced by Alibaba and donated to Apache, which has the advantages of high performance, high reliability, high real-time, low latency and massive message accumulation. This application does not limit the type of message middleware.

[0069] Module 12 is used to obtain corresponding account information based on the account arrival notification information through the cross-border system, and to record the corresponding account amount into the merchant's pending account based on the account information through the account system, wherein the account information includes payer information, payee information and account amount information about the digital RMB.

[0070] In some embodiments, after obtaining the arrival notification information provided by the channel system, the cross-border system will perform data processing on the arrival notification information to obtain the corresponding account information, which includes but is not limited to payer information (including but not limited to any information related to the payer), payee information (including but not limited to any information related to the payee) and account amount information (including but not limited to any information related to the account amount, the account amount is the remittance amount that is included in the umbrella wallet after the overseas buyer makes a cross-border remittance based on digital RMB to the cross-border umbrella wallet opened by the merchant, that is, the digital RMB amount), etc. The payer information includes but is not limited to the payer account information, payer name information, payer address information, payer country information, payer bank information, etc. The payee information includes but is not limited to the payee account information, payee name information, payee address information, etc. In some embodiments, before the cross-border system performs data processing on the arrival notification information, it will first add a distributed lock (for example, a redis (Remote DictionaryServer, Remote Dictionary Service) distributed lock) to the arrival notification information, and lock the arrival notification information for a preset time (for example, 3 minutes) to prevent data confusion caused by multiple machine executions. In some embodiments, the account serial number between the payment platform and the bank institution will be used to check whether the transaction corresponding to the account arrival notification information is repeated. Only when it is determined that it is not repeated will the subsequent operation be continued. In some embodiments, the identification information of the merchant (for example, merchant ID) will be obtained through SQL (Structured Query Language) query in the established mapping table based on the institution code of the bank institution corresponding to the account arrival notification information and the account information of the payee. In some embodiments, the channel system will generate the corresponding account entry transaction, and based on the account entry information, generate the corresponding transaction order information, payment order information, participant information, payment method information, etc., and save it in the database. In some embodiments, the channel system will send the corresponding account entry request to the account system, so that the account system uses double-entry bookkeeping to record the corresponding account entry amount (the amount of digital RMB entered, that is, the remittance amount credited to the cross-border umbrella wallet opened by overseas buyers to the merchant after cross-border remittance) from the umbrella wallet to the merchant's pending account on the payment platform, where the digital RMB amount is recorded in the pending account, and the actual digital RMB remitted by the cross-border buyer is still in the corresponding banking institution. In some embodiments, after the account entry is completed, the cross-border system will notify the merchant of an incoming account notification, for example, calling the SMS system to notify the merchant of an incoming account notification via SMS, and the corresponding request parameters include but are not limited to SMS templates, mobile phone numbers, parameters that need to be replaced in SMS, etc.

[0071] Module 13 is used to respond to the merchant's association request for the account entry information and the contract order information between the merchant and the overseas buyer through the cross-border system, associate the account entry information with the contract order information, obtain the first audit result information corresponding to the account entry information, and send the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform.

[0072] In some embodiments, the merchant can initiate an association request for the contract order information between the merchant and the overseas buyer on the client (including but not limited to web pages, applications, mini-programs, etc.), and associate the account information with the contract order information, wherein the contract order information refers to the order information generated based on the contract between the merchant and the overseas buyer, and the contract order information includes but is not limited to the contract number, trading country, total order amount, currency, payment method, contract material, contract commodity information (commodity English name, commodity Chinese name, commodity quantity, commodity unit price, commodity unit), logistics information (logistics company name, delivery mode, freight forwarder name, actual delivery date, logistics method), etc., and this application does not limit this. In some embodiments, the merchant can select a created contract order information and initiate an association request for the contract order information, or the merchant can also create a new contract order information and initiate an association request for the contract order information. In some embodiments, the picture information or photo information of the contract is stored in the cross-border corresponding directory in the file server. In some embodiments, the account information can be associated with only one contract order information, or it can also be associated with multiple contract order information at the same time. In some embodiments, the merchant selects the account entry information on the client, selects the associated contract order information, fills in the associated amount for each expected associated contract order information, and the sum of the associated amounts corresponding to all contract order information associated with the account entry information needs to be less than or equal to the account entry amount corresponding to the account entry information.

[0073] In some embodiments, after associating the account entry information with the contract order information, the payment platform (for example, the cross-border system) may perform a manual review based on the account entry information and the contract order information, and manually fill in the first review result information corresponding to the account entry information (i.e., the review result information on the payment platform side corresponding to the account entry information). The cross-border system will call the channel system via RPC (Remote Procedure Call) to send the first review result information to the channel system. Alternatively, the payment platform (for example, the cross-border system) will automatically review the account entry information, contract order information, merchant list, its own historical data statistics (for example, the number of historical successful merchant reviews), and other information to generate the first review result information corresponding to the account entry information (i.e., the review result information on the payment platform side corresponding to the account entry information). The cross-border system will call the channel system via RPC to send the first review result information to the channel system.

[0074] Module 14 is used to obtain, through the cross-border system, the second audit result information corresponding to the account entry information and provided by the channel system; if the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated; and based on the settlement payment order, the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account through the account system; wherein the second audit result information is generated by the bank institution through the audit of the account entry information based on the first audit result information.

[0075] In some embodiments, the channel system provides the first audit result information to the corresponding banking institution. For example, the first audit result information may be sent to the banking institution by calling an interface provided by the banking institution. This application does not limit the specific manner in which the channel system provides the first audit result information to the banking institution.

[0076] In some embodiments, the bank institution reviews the account information based on the first audit result information. The bank institution can choose to refund to overseas or pass the audit, and generate the corresponding second audit result information (i.e., the audit result information on the bank side corresponding to the account information). The present application does not limit the content of the second audit result. Specifically, if the first audit result information indicates that the account information is not audited by the payment platform side, the bank institution does not need to audit the account information and directly refunds the corresponding account amount to overseas. If the first audit result information indicates that the account information is audited by the payment platform side, the bank institution needs to audit the account information. If the audit fails, the corresponding account amount is refunded to overseas. In some embodiments, the channel system obtains the second audit result information from the bank institution. For example, the bank institution calls the interface provided by the channel system to send the second audit result information to the channel system. The present application does not limit the specific way in which the channel system obtains the second audit result information from the bank institution. In some embodiments, the channel system sends the second audit result information to the cross-border system through the message middleware. For example, the message middleware can be RocketMQ. The present application does not limit the type of message middleware.

[0077] In some embodiments, if the second audit result information indicates that the account entry information has been approved by the bank side, the cross-border system will continue to promote the account entry transaction. Under the account entry transaction, a payment order of type "settlement" will be generated, that is, a settlement payment order. The payer among the participants corresponding to the settlement payment order is the merchant's pending account, and the payee is the merchant's available balance account. In some embodiments, the cross-border system drives the account system through the clearing system, and the account system uses double-entry bookkeeping to record accounts. The merchant's pending account in the payment platform transfers the account entry amount (that is, the amount of digital RMB entered, that is, the amount of digital RMB included in the merchant's pending account) to the merchant's available balance account in the payment platform, wherein the amount transferred to the available balance account is a representation of the amount of digital RMB, and the actual digital RMB remitted by the cross-border buyer is still in the corresponding banking institution. In some embodiments, the cross-border system will provide the corresponding account entry audit result to the merchant, for example, calling the SMS system to notify the merchant of the corresponding account entry audit result by SMS. In some embodiments, the merchant can withdraw the deposited amount in the available balance account, while the deposited amount in the pending deposit account does not support withdrawal. For example, the merchant can choose to bind a bank account to perform the withdrawal process, and the deposited amount will eventually be withdrawn from the available balance account to the bank account bound to the merchant.

[0078] In some embodiments, the second audit result information of the bank side corresponding to the account entry information provided by the channel system is obtained through the cross-border system, including: generating a corresponding first audit result file based on the first audit result information through the channel system and providing it to the bank institution, so that the bank institution audits the account entry information based on the first audit result file to generate a corresponding second audit result file, obtaining the second audit result file from the bank institution through the channel system, obtaining the second audit result information of the bank side corresponding to the account entry information based on the second audit result file, and obtaining the second audit result information provided by the channel system through the cross-border system. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here, and are included here by reference.

[0079] In some embodiments, the payer information includes the payer name information and the payer address information, and the payee information includes the payee name information and the payee address information; wherein, obtaining the corresponding account information according to the account arrival notification information through the cross-border system includes: parsing the account arrival notification information through the cross-border system to obtain the corresponding payer field and payee field; performing field splitting on the payer field and the payee field respectively to obtain the payer name information, payer address information, payee name information and payee address information. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here, and are included here by reference.

[0080] In some embodiments, the payer information also includes payer country information; wherein, obtaining corresponding account information according to the account arrival notification information through the cross-border system also includes any of the following: parsing the account arrival notification information through the cross-border system to obtain the bank international code field; splitting the character information of preset digits in the bank international code field to obtain the payer country information; replacing special characters in the payer address information through the cross-border system to obtain the payer country information matching the replaced payer address information. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here and are included here by reference.

[0081] In some embodiments, the payee information also includes the payee bank information; wherein, the obtaining of the corresponding account information according to the account arrival notification information through the cross-border system also includes any of the following: parsing the account arrival notification information through the cross-border system to obtain the bank international code field; querying and obtaining the payee bank information corresponding to the bank international code field; parsing the account arrival notification information through the cross-border system to obtain the payee account information; obtaining the payee bank information from the historical account arrival notification information corresponding to the overseas seller based on the payee account information. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here and are included here by reference.

[0082] In some embodiments, the payment platform further includes a risk control system; wherein, the corresponding deposit amount is credited to the merchant's pending account based on the deposit information through the account system, including: performing risk screening on the payee information through the risk control system, and if the risk screening is passed, the corresponding deposit amount is credited to the merchant's pending account based on the deposit information through the account system. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here and are included here by reference.

[0083] In some embodiments, the obtaining of the first audit result information corresponding to the account entry information includes: performing a flow check on the account entry information and performing a parameter check on the contract order information; if the account entry information passes the flow check and the contract order information passes the parameter check, obtaining the first audit result information corresponding to the account entry information. Here, the relevant operations are the same or similar to those in the above-mentioned embodiments, so they are not described in detail and are included herein by reference.

[0084] In some embodiments, the computing device further includes a module 15, and the module 15 is used to: perform consistency verification on the matching between the account entry information and the contract order information; wherein, if the account entry information passes the flow verification and the contract order information passes the parameter verification, the first audit result information corresponding to the account entry information is obtained, including: if the account entry information passes the flow verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the first audit result information corresponding to the account entry information is obtained. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here, and are included here by reference.

[0085] In some embodiments, if the account entry information passes the flow verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the first audit result information corresponding to the account entry information is obtained, including: if the account entry information passes the flow verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the risk control system is used to perform risk screening on the payee information again, and if the risk screening is passed, the first audit result information corresponding to the account entry information is obtained. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here, and are included here by reference.

[0086] In some embodiments, the obtaining of the first audit result information corresponding to the account entry information includes: automatically auditing the account entry information based on the merchant information of the merchant provided by the channel system, the account entry information, and the contract order information by the risk control system to obtain the first audit result information corresponding to the account entry information. Here, the relevant operations are the same or similar to those in the above-mentioned embodiments, so they are not described in detail and are included herein by reference.

[0087] In some embodiments, the computing device further includes a module 16, and the module 16 is used to: if the second audit result information indicates that the deposit information is refunded, freeze the deposit amount in the merchant's to-be-deposited account through the account system. Here, the relevant operations are the same or similar to the above-mentioned embodiments, so they are not repeated here and are included here by reference.

[0088] In some embodiments, the computing device further includes a module 17, and the module 17 is used to: obtain the refund status corresponding to the credited amount from the channel system through the account system, and if the refund status indicates that the refund is successful, deduct the credited amount from the merchant's to-be-credited account, and if the refund status indicates that the refund fails, unfreeze the credited amount in the merchant's to-be-credited account. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here and are included here by reference.

[0089] In some embodiments, the payment platform also includes a merchant system; wherein the computing device also includes an eight-module 18, and the eight-module is used to: in response to the umbrella wallet opening request initiated by the merchant, generate corresponding wallet opening details information through the merchant system, and send the wallet opening details information to the channel system; provide the wallet opening application document corresponding to the wallet opening details information to the bank institution through the channel system, so that the bank institution generates a corresponding return file based on the wallet opening application document, obtain the return file from the bank institution through the channel system, parse the return file to obtain corresponding wallet opening result information, and provide the wallet opening result information to the merchant system; if the wallet opening result information indicates that the opening is successful, bind the identification information of the umbrella wallet in the wallet opening result information with the identification information of the merchant through the merchant system, and provide the merchant with the collection account information of the umbrella wallet, so that the overseas buyer can make overseas remittances based on the collection account information. Here, the related operations are the same or similar to those in the above-mentioned embodiments, and thus will not be described in detail, but are incorporated herein by reference.

[0090] In some embodiments, the computing device further includes a module 19, which is used to determine, through the merchant system, a bank institution corresponding to the umbrella wallet from among a plurality of bank institutions cooperating with the payment platform. Here, the relevant operations are the same or similar to those in the above-mentioned embodiments, so they are not described in detail and are included here by reference.

[0091] In some embodiments, the sending of the wallet opening details to the channel system includes: mapping the wallet opening details based on the preset field rules of the bank institution corresponding to the umbrella wallet, and sending the mapped wallet opening details to the channel system. Here, the relevant operations are the same or similar to the above-mentioned embodiments, so they are not described in detail here, and are included here by reference.

[0092] In some embodiments, uploading the wallet opening application file corresponding to the wallet opening details information to the file server through the channel system includes: marking the wallet opening details information with the current batch number through the channel system, writing multiple wallet opening details corresponding to the current batch number into the wallet opening application file, and uploading the wallet opening application file to the file server. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here and are included here by reference.

[0093] In some embodiments, providing the wallet opening result information to the merchant system includes: encrypting the identification information of the umbrella wallet in the wallet opening result information, and providing the encrypted wallet opening result information to the merchant system; wherein, binding the identification information of the umbrella wallet in the wallet opening result information with the identification information of the merchant through the merchant system includes: obtaining the identification information of the umbrella wallet from the wallet opening result information through decryption processing by the merchant system; and binding the identification information of the umbrella wallet with the identification information of the merchant. Here, the relevant operations are the same or similar to the embodiments described above, so they are not repeated here, and are included here by reference.

[0094] In addition to the methods and devices described in the above embodiments, the present application also provides a computer-readable storage medium, which stores computer code. When the computer code is executed, the method described in any of the preceding items is executed.

[0095] The present application also provides a computer program product. When the computer program product is executed by a computing device, the method described in any of the preceding items is executed.

[0096] The present application also provides a computing device, the computing device comprising: one or more processors; a memory for storing one or more computer programs; When the one or more computer programs are executed by the one or more processors, the one or more processors are caused to implement the method as described in any of the preceding items.

[0097] Figure 5 An exemplary system that can be used to implement various embodiments described in this application is shown; like Figure 5 In some embodiments shown, the system 300 can be used as any of the devices in the various described embodiments. In some embodiments, the system 300 may include one or more computer-readable media (e.g., system memory or NVM / storage device 320) with instructions and one or more processors (e.g., (one or more) processors 305) coupled to the one or more computer-readable media and configured to execute instructions to implement modules to perform the actions described in this application.

[0098] For one embodiment, system control module 310 may include any suitable interface controller to provide any suitable interface to at least one of processor(s) 305 and / or any suitable device or component in communication with system control module 310 .

[0099] The system control module 310 may include a memory controller module 330 to provide an interface to the system memory 315. The memory controller module 330 may be a hardware module, a software module, and / or a firmware module.

[0100] The system memory 315 may be used, for example, to load and store data and / or instructions for the system 300. For one embodiment, the system memory 315 may include any suitable volatile memory, such as a suitable DRAM. In some embodiments, the system memory 315 may include double data rate type four synchronous dynamic random access memory (DDR4 SDRAM).

[0101] For one embodiment, system control module 310 may include one or more input / output (I / O) controllers to provide interfaces to NVM / storage device 320 and communication interface(s) 325 .

[0102] For example, NVM / storage device 320 may be used to store data and / or instructions. NVM / storage device 320 may include any suitable non-volatile memory (e.g., flash memory) and / or may include any suitable non-volatile storage device(s) (e.g., one or more hard disk drives (HDDs), one or more compact disk (CD) drives, and / or one or more digital versatile disk (DVD) drives).

[0103] NVM / storage device 320 may include storage resources that are physically part of the device on which system 300 is installed, or it may be accessible to the device without being part of the device. For example, NVM / storage device 320 may be accessed over a network via communication interface(s) 325.

[0104] Communication interface(s) 325 may provide an interface for system 300 to communicate over one or more networks and / or with any other suitable devices. System 300 may wirelessly communicate with one or more components of a wireless network in accordance with any of one or more wireless network standards and / or protocols.

[0105] For one embodiment, at least one of the processor(s) 305 may be packaged together with the logic of one or more controllers of the system control module 310 (e.g., the memory controller module 330). For one embodiment, at least one of the processor(s) 305 may be packaged together with the logic of one or more controllers of the system control module 310 to form a system-in-package (SiP). For one embodiment, at least one of the processor(s) 305 may be integrated on the same die with the logic of one or more controllers of the system control module 310. For one embodiment, at least one of the processor(s) 305 may be integrated on the same die with the logic of one or more controllers of the system control module 310 to form a system on chip (SoC).

[0106] In various embodiments, the system 300 may be, but is not limited to: a server, a workstation, a desktop computing device, or a mobile computing device (e.g., a laptop computing device, a handheld computing device, a tablet computer, a netbook, etc.). In various embodiments, the system 300 may have more or fewer components and / or a different architecture. For example, in some embodiments, the system 300 includes one or more cameras, a keyboard, a liquid crystal display (LCD) screen (including a touch screen display), a non-volatile memory port, multiple antennas, a graphics chip, an application specific integrated circuit (ASIC), and a speaker.

[0107] In addition to the methods and devices described in the above embodiments, the present application also provides a computer-readable storage medium, which stores computer code. When the computer code is executed, the method described in any of the preceding items is executed.

[0108] The present application also provides a computer program product. When the computer program product is executed by a computing device, the method described in any of the preceding items is executed.

[0109] The present application also provides a computing device, the computing device comprising: one or more processors; a memory for storing one or more computer programs; When the one or more computer programs are executed by the one or more processors, the one or more processors are caused to implement the method as described in any of the preceding items.

[0110] It should be noted that the present application can be implemented in software and / or a combination of software and hardware, for example, it can be implemented using an application-specific integrated circuit (ASIC), a general-purpose computer or any other similar hardware device. In one embodiment, the software program of the present application can be executed by a processor to implement the steps or functions described above. Similarly, the software program of the present application (including related data structures) can be stored in a computer-readable recording medium, for example, a RAM memory, a magnetic or optical drive or a floppy disk and the like. In addition, some steps or functions of the present application can be implemented using hardware, for example, as a circuit that cooperates with a processor to perform various steps or functions.

[0111] In addition, a part of the present application may be applied as a computer program product, such as a computer program instruction, which, when executed by a computer, can call or provide the method and / or technical solution according to the present application through the operation of the computer. Those skilled in the art should understand that the existence of computer program instructions in computer-readable media includes but is not limited to source files, executable files, installation package files, etc., and accordingly, the way in which computer program instructions are executed by a computer includes but is not limited to: the computer directly executes the instruction, or the computer compiles the instruction and then executes the corresponding compiled program, or the computer reads and executes the instruction, or the computer reads and installs the instruction and then executes the corresponding installed program. Here, the computer-readable medium can be any available computer-readable storage medium or communication medium accessible to the computer.

[0112] Communication media include media by which communication signals containing, for example, computer readable instructions, data structures, program modules, or other data are transmitted from one system to another. Communication media may include guided transmission media such as cables and wires (e.g., fiber optic, coaxial, etc.) and wireless (unguided transmission) media that can propagate energy waves, such as acoustic, electromagnetic, RF, microwave, and infrared. Computer readable instructions, data structures, program modules, or other data may be embodied as a modulated data signal in, for example, a wireless medium such as a carrier wave or similar mechanism such as embodied as part of spread spectrum technology. The term "modulated data signal" refers to a signal whose one or more characteristics are changed or set in such a manner as to encode information in the signal. Modulation may be analog, digital, or a hybrid modulation technique.

[0113] By way of example and not limitation, computer-readable storage media may include volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data. For example, computer-readable storage media include, but are not limited to, volatile memory, such as random access memory (RAM, DRAM, SRAM); and non-volatile memory, such as flash memory, various read-only memories (ROM, PROM, EPROM, EEPROM), magnetic and ferromagnetic / ferroelectric memories (MRAM, FeRAM); and magnetic and optical storage devices (hard disks, magnetic tapes, CDs, DVDs); or other media now known or later developed that can store computer-readable information / data for use with a computer system.

[0114] Here, according to an embodiment of the present application, a device is included, which includes a memory for storing computer program instructions and a processor for executing the program instructions, wherein, when the computer program instructions are executed by the processor, the device is triggered to run the methods and / or technical solutions based on the aforementioned multiple embodiments of the present application.

[0115] It is obvious to those skilled in the art that the present application is not limited to the details of the above exemplary embodiments, and that the present application can be implemented in other specific forms without departing from the spirit or basic features of the present application. Therefore, from any point of view, the embodiments should be regarded as exemplary and non-restrictive, and the scope of the present application is limited by the attached claims rather than the above description, so it is intended to include all changes that fall within the meaning and scope of the equivalent elements of the claims in the present application. Any figure mark in the claims should not be regarded as limiting the claims involved. In addition, it is obvious that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the device claim can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

Claims

1. A cross-border payment method based on digital RMB, applied to a payment platform, the payment platform includes a cross-border system, a channel system and an account system, wherein: The method comprises: Obtaining, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet that supports digital RMB opened by the merchant, and providing the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas buyer's overseas remittance information about digital RMB for the umbrella wallet; Obtaining corresponding account information according to the account arrival notification information through the cross-border system, and calculating the corresponding account amount into the merchant's pending account based on the account information through the account system, wherein the account information includes payer information, payee information and account amount information about digital RMB; In response to the merchant's request for associating the contract order information between the merchant and the overseas buyer, the cross-border system associates the account entry information with the contract order information, obtains first audit result information corresponding to the account entry information, and sends the first audit result information to the channel system, wherein the first audit result information is generated by the payment platform; The second audit result information corresponding to the account entry information is obtained through the cross-border system and provided by the channel system. If the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated, and the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account based on the settlement payment order through the account system, wherein the second audit result information is generated by the bank institution after auditing the account entry information based on the first audit result information.

2. The method according to claim 1, wherein: The second audit result information corresponding to the account entry information and provided by the channel system and obtained through the cross-border system includes: The channel system generates a corresponding first audit result file based on the first audit result information and provides it to the banking institution, so that the banking institution audits the account entry information based on the first audit result file and generates a corresponding second audit result file, obtains the second audit result file from the banking institution through the channel system, obtains second audit result information corresponding to the account entry information based on the second audit result file, and obtains the second audit result information provided by the channel system through the cross-border system.

3. The method according to claim 1, wherein: The payee information includes the payee name information and payee address information, and the payee information includes the payee name information and payee address information; Wherein, obtaining corresponding account information according to the account arrival notification information through the cross-border system includes: Parsing the account arrival notification information through the cross-border system to obtain corresponding payer field and payee field; The payer field and the payee field are split respectively to obtain the payer name information, payer address information, payee name information and payee address information.

4. The method according to claim 3, wherein: The payer information also includes payer country information; Wherein, obtaining corresponding account information according to the account arrival notification information through the cross-border system also includes any of the following: Parsing the account arrival notification information through the cross-border system to obtain a bank international code field; splitting the character information of a preset number of digits in the bank international code field to obtain the payer country information; After replacing special characters in the payer address information through the cross-border system, the payer country information matching the replaced payer address information is obtained.

5. The method according to claim 3, wherein: The payer information also includes the payer bank information; Wherein, obtaining corresponding account information according to the account arrival notification information through the cross-border system also includes any of the following: Parsing the account arrival notification information through the cross-border system to obtain a bank international code field; querying to obtain the payer bank information corresponding to the bank international code field; The cross-border system parses the account arrival notification information to obtain the payee account information; and obtains the payee bank information from the historical account arrival notification information corresponding to the overseas seller based on the payee account information.

6. According to the method of claim 1, the payment platform further comprises a risk control system; in, The step of crediting the corresponding deposit amount to the merchant's to-be-deposited account based on the deposit information by the account system includes: The risk control system performs risk screening on the payee information. If the risk screening is passed, the account system calculates the corresponding deposit amount into the merchant's pending deposit account based on the deposit information.

7. The method according to claim 6, wherein: The obtaining of first audit result information corresponding to the entry information includes: Performing a flow check on the account entry information and a parameter check on the contract order information; If the account entry information passes the transaction verification and the contract order information passes the parameter verification, the first audit result information corresponding to the account entry information is obtained.

8. The method according to claim 7, wherein: The method further comprises: Performing consistency check on the matching between the account entry information and the contract order information; Wherein, if the account entry information passes the transaction verification and the contract order information passes the parameter verification, obtaining the first audit result information corresponding to the account entry information includes: If the account entry information passes the transaction verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the first audit result information corresponding to the account entry information is obtained.

9. The method according to claim 8, wherein: If the account entry information passes the flow verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, obtaining the first audit result information corresponding to the account entry information includes: If the account entry information passes the transaction verification, the contract order information passes the parameter verification, and the matching between the account entry information and the contract order information passes the consistency verification, the risk control system performs risk screening on the payee information again. If the risk screening passes, the first audit result information corresponding to the account entry information is obtained.

10. The method according to claim 9, wherein: The obtaining of first audit result information corresponding to the entry information includes: The risk control system automatically reviews the account entry information based on the merchant information of the merchant provided by the channel system, the account entry information and the contract order information, and obtains first review result information corresponding to the account entry information.

11. The method according to claim 1, wherein: The method further comprises: If the second audit result information indicates that a refund has been initiated for the deposit information, the deposit amount in the merchant's pending deposit account is frozen through the account system.

12. The method according to claim 11, wherein: The method further comprises: The refund status corresponding to the deposited amount is obtained from the channel system through the account system. If the refund status indicates that the refund is successful, the deposited amount is deducted from the merchant's pending account. If the refund status indicates that the refund fails, the deposited amount in the merchant's pending account is unfrozen.

13. The method according to claim 1, wherein: The payment platform also includes a merchant system; Wherein, the method further comprises: In response to the umbrella wallet opening request initiated by the merchant, the merchant system generates corresponding wallet opening details, and sends the wallet opening details to the channel system; Providing the wallet opening application document corresponding to the wallet opening details to the bank institution through the channel system, so that the bank institution generates a corresponding return file based on the wallet opening application document, obtaining the return file from the bank institution through the channel system, parsing the return file to obtain corresponding wallet opening result information, and providing the wallet opening result information to the merchant system; If the wallet opening result information indicates that the opening is successful, the identification information of the umbrella base wallet in the wallet opening result information is bound to the identification information of the merchant through the merchant system, and the payment account information of the umbrella base wallet is provided to the merchant, so that the overseas buyer can make overseas remittances based on the payment account information.

14. The method according to claim 13, wherein: The method further comprises: The bank institution corresponding to the umbrella wallet is determined through the merchant system from a plurality of bank institutions cooperating with the payment platform.

15. The method according to claim 13, wherein: The sending of the wallet opening details to the channel system comprises: Based on the preset field rules of the bank institution corresponding to the umbrella wallet, the wallet opening details information is field mapped, and the mapped wallet opening details information is sent to the channel system.

16. The method according to claim 13, wherein: The uploading of the wallet opening application file corresponding to the wallet opening detailed information to the file server through the channel system includes: The wallet opening details are marked with the current batch number through the channel system, multiple wallet opening details corresponding to the current batch number are written into the wallet opening application file, and the wallet opening application file is uploaded to the file server.

17. The method according to claim 13, wherein: Providing the wallet opening result information to the merchant system includes: Encrypting the identification information of the umbrella wallet in the wallet opening result information, and providing the encrypted wallet opening result information to the merchant system; The step of binding the identification information of the umbrella wallet in the wallet opening result information with the identification information of the merchant through the merchant system includes: The merchant system obtains the identification information of the umbrella wallet from the wallet opening result information through decryption processing; The identification information of the umbrella base wallet is bound to the identification information of the merchant.

18. A computing device for cross-border collection based on digital RMB, applied to a payment platform, the payment platform includes a cross-border system, a channel system and an account system, wherein: The computing device comprises: A module, used to obtain, through the channel system, the account arrival notification information provided by the bank institution corresponding to the umbrella wallet supporting digital RMB opened by the merchant, and provide the account arrival notification information to the cross-border system, wherein the account arrival notification information is generated by the bank institution based on the overseas remittance information of digital RMB from the overseas buyer to the umbrella wallet; Module one and two, used for obtaining corresponding account information according to the account arrival notification information through the cross-border system, and calculating the corresponding account amount into the merchant's pending account based on the account information through the account system, wherein the account information includes payer information, payee information and account amount information about digital RMB; Module 13, for responding to a request for associating the account entry information with the contract order information between the merchant and the overseas buyer through the cross-border system, associating the account entry information with the contract order information, obtaining first review result information corresponding to the account entry information, and sending the first review result information to the channel system, wherein the first review result information is generated by the payment platform; Module 14 is used to obtain, through the cross-border system, the second audit result information corresponding to the account entry information provided by the channel system; if the second audit result information indicates that the account entry information has been audited, a corresponding settlement payment order is generated; and based on the settlement payment order, the digital RMB corresponding to the account entry amount information is transferred from the merchant's pending account to the merchant's available balance account through the account system, wherein the second audit result information is generated by the bank institution after auditing the account entry information based on the first audit result information.

19. A computing device for cross-border collection based on digital RMB, comprising a memory, a processor, and a computer program stored on the memory, characterized in that: The processor executes the computer program to implement the steps of the method according to any one of claims 1 to 17.

20. A computer-readable storage medium having a computer program / instruction stored thereon, characterized in that: When the computer program / instructions are executed by a processor, the steps of the method according to any one of claims 1 to 17 are implemented.

21. 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 17 are implemented.

Images