Fund management and control processing method and system and storage medium

Abstract

The invention relates to a fund management and control processing method, and the method is characterized in that the method comprises the steps: obtaining account authorization information based on the operation of a user; comparing shop data of the cross-border e-commerce platform and the collection institution according to the account authorization information so as to verify shop affiliation of the user; if the shop affiliation verification result is that the user is the shop affiliation, locking a collection account of the user from shop data of a collection mechanism; and when a fund management and control instruction sent by the loan institution is received, the fund of the collection account is managed and controlled. Multi-platform interaction with a cross-border e-commerce platform, a collection institution and a loan institution is realized, the collection account of the user is locked, it is ensured that when the fund management and control instruction sent by the loan institution is received, an authorization instruction of the user does not need to be accepted, the fund of the locked collection account can be directly managed and controlled, and the fund management and control efficiency is improved. When the user has a credit risk in the loan institution, fund management and control can be effectively performed on the collection account of the user in the collection institution.

Description

Technical Field

[0001] This application relates to the technical field of cross-border e-commerce, and particularly to a method, system, and storage medium for fund control and processing. Background Art

[0002] In the field of cross-border e-commerce, due to the long shipping cycle, sales revenue and payment collection both come from overseas, resulting in a long capital occupation cycle for users. There is an urgent need for credit support from financial institutions.

[0003] In the prior art, since sales revenue and goods are both overseas, multiple institutions such as cross-border e-commerce platforms, cross-border payment collection companies, and domestic third-party payment need to cooperate to complete the settlement. The sales payment collection link is long and has numerous nodes, and the transaction flow information cannot be fully reflected in the bank account opened by the enterprise within the territory. It is difficult for financial institutions to monitor the daily business income of enterprises by opening bank accounts in the traditional credit model, and traditional bank loan management measures are difficult to effectively manage the payment collection situation of borrowers. Especially when users have credit risks in lending institutions, it is impossible to control the funds in the payment collection accounts of users in payment collection institutions across platforms. Summary of the Invention

[0004] This application provides a method, system, and storage medium for fund control and processing to solve the problem that in the prior art, when users have credit risks in lending institutions, it is impossible to control the funds in the payment collection accounts of users in payment collection institutions across platforms.

[0005] In a first aspect, this application provides a method for fund control and processing, including:

[0006] Obtaining account authorization information based on the user's operation, where the account authorization information is the permission for the user to authorize the query of store data of cross-border e-commerce platforms and payment collection institutions;

[0007] Comparing the store data of the cross-border e-commerce platform and the payment collection institution according to the account authorization information to verify the store ownership of the user;

[0008] If the result of the store ownership verification is that the user is the store owner, locking the user's payment collection account from the store data of the payment collection institution;

[0009] When receiving a fund control instruction sent by a lending institution, performing fund control processing on the funds in the payment collection account.

[0010] Optionally, the account authorization information includes first authorization information and second authorization information. The first authorization information is the permission for the user to authorize the query of the store data of the cross-border e-commerce platform, and the second authorization information is the permission for the user to authorize the query of the store data of the payment institution. The verification of the store ownership of the user by comparing the store data of the cross-border e-commerce platform and the payment institution according to the account authorization information includes:

[0011] By calling the API data interface preset by the cross-border e-commerce platform and based on the first authorization information, obtain the store data of the user on the cross-border e-commerce platform;

[0012] By calling the API data interface preset by the payment institution and based on the second authorization information, obtain the store data of the user on the payment institution;

[0013] Check according to the store data on the cross-border e-commerce platform and the store data on the payment institution;

[0014] If the verification result is consistent, determine that the user is the store owner.

[0015] Optionally, before obtaining the account authorization information based on the user's operation, the method includes:

[0016] Send visualization information to the cross-border e-commerce platform so that the user can perform the operation of accepting loan approval on the cross-border e-commerce platform based on the visualization information. The loan approval is for the approval loan matters agented by the loan institution.

[0017] Optionally, if the result of the store ownership verification is that the user is the store owner, locking the user's collection account from the store data of the payment institution includes:

[0018] If the result of the store ownership verification is that the user is the store owner, send a command to lock the collection account to the payment institution, so that the payment institution locks the user's collection account from the store data of the payment institution, so that the user cannot change the collection account.

[0019] Optionally, the fund control instruction includes a fund deduction instruction. When receiving the fund control instruction sent by the loan institution, the control process of the funds in the collection account includes:

[0020] Deduct the funds in the collection account according to the amount to be repaid in the fund deduction instruction. Among them, the fund deduction instruction is an instruction sent by the loan institution according to the amount to be repaid by the user when the user fails to follow the preset repayment rules to repay the loan institution.

[0021] Optionally, the fund control instruction further includes an account freezing instruction. When receiving the fund control instruction sent by the lending institution, the fund control process for the receiving account includes:

[0022] Freezing the receiving account according to the account freezing instruction, where the account freezing instruction is an instruction sent by the lending institution after risk assessment of the user's account when the user fails to repay the lending institution according to the preset repayment rules.

[0023] Optionally, the method further includes:

[0024] If the result of the store ownership verification is that the user is the store owner, lock the withdrawal account associated with the receiving account, where the withdrawal account is the account for repaying the lending institution and the withdrawal account is opened by the lending institution.

[0025] In a second aspect, the present application provides a fund control processing system, including:

[0026] An authorization module, configured to obtain account authorization information based on the user's operation, where the account authorization information is the user's authorization to query the store data of the cross-border e-commerce platform and the receiving institution;

[0027] A verification module, configured to verify the user's store ownership by comparing the store data of the cross-border e-commerce platform and the receiving institution according to the account authorization information;

[0028] A locking module, configured to lock the user's receiving account from the store data of the receiving institution if the result of the store ownership verification is that the user is the store owner;

[0029] A control module, configured to perform a fund control process on the funds in the receiving account when receiving a fund control instruction sent by the lending institution.

[0030] In a third aspect, the present application provides a fund control processing platform, where the platform interacts with the data interfaces of the cross-border e-commerce platform, the receiving institution, and the lending institution. The platform is characterized in that the platform executes instructions by invoking the data interfaces to enable the platform to execute the above-mentioned fund control processing method.

[0031] In a fourth aspect, the present application further provides a computer storage medium, storing computer-executable instructions, where the computer-executable instructions are used to execute the system exception handling method of the present application.

[0032] The above technical solution provided by the embodiments of the present application has the following advantages compared with the prior art: The present application realizes multi-platform interaction with cross-border e-commerce platforms, payment collection institutions, and lending institutions. By locking the user's payment collection account, it is ensured that when receiving a fund control instruction sent by the lending institution, without receiving the user's authorization instruction, the funds in the locked payment collection account can be directly controlled, which is beneficial to effectively controlling the funds in the user's payment collection account at the payment collection institution when the user has a credit risk at the lending institution. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] The accompanying drawings herein are incorporated into and constitute a part of this specification, showing embodiments consistent with the present invention and, together with the specification, are used to explain the principles of the present invention.

[0034] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the accompanying drawings required for the description of the embodiments or the prior art. Obviously, for those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0035] One or more embodiments are exemplarily illustrated by the pictures in the corresponding accompanying drawings. These exemplary illustrations do not constitute limitations on the embodiments. Elements with the same reference numerals in the drawings represent similar elements, unless otherwise stated, and the drawings in the figures do not constitute a proportional limitation.

[0036] Figure 1 It is a flowchart of a fund control processing method provided by the embodiments of the present application;

[0037] Figure 2 provided by the embodiments of the present application Figure 1 Schematic diagram of the specific process of S200 in

[0038] Figure 3 It is a schematic structural diagram of a fund control processing system provided by the embodiments of the present application.

[0039] Figure 4 It is a schematic structural diagram of a computer-readable storage medium provided by the embodiments of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0040] To make the objectives, technical solutions, and advantages of the embodiments of the present application clearer, the following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are some, but not all, of the embodiments of the present application. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present application without creative efforts fall within the scope of protection of the present application.

[0041] The disclosure below provides many different embodiments or examples for implementing different structures of the present invention. To simplify the disclosure of the present invention, the components and settings of specific examples are described below. Of course, they are merely examples and are not intended to limit the present invention. In addition, the present invention may repeat reference numerals and / or letters in different examples. This repetition is for the purpose of simplification and clarity, and in itself does not indicate the relationship between the various embodiments and / or settings discussed.

[0042] To solve the problems in the prior art, the present application provides a method for handling fund control. The present application realizes multi-platform interaction with a cross-border e-commerce platform, a collection institution, and a lending institution. By locking the user's collection account, it is ensured that when a fund control instruction sent by the lending institution is received, without the need to receive the user's authorization instruction, the funds in the locked collection account can be directly controlled, which is beneficial to effectively controlling the funds in the user's collection account at the collection institution when the user has a credit risk at the lending institution.

[0043] Figure 1 A method for handling fund control provided by an embodiment of the present application, the method includes:

[0044] S100, obtaining account authorization information based on the user's operation, where the account authorization information is the permission for the user to authorize the query of store data of the cross-border e-commerce platform and the collection institution.

[0045] In an embodiment of the present application, when a user seller conducts cross-border transactions, it involves two platforms, namely a collection institution and a cross-border e-commerce platform. First, when an in-country user seller conducts cross-border transactions, it is necessary to first have a corresponding overseas collection account under the overseas collection institution, so that the account can be bound to the store on the cross-border e-commerce platform for overseas collection. Second, it is necessary to bind the overseas collection account registered under the overseas collection institution on the cross-border e-commerce platform. After the user seller and the buyer conduct a transaction, after the buyer places an order and purchases in the user seller's store, the buyer will first pay the cross-border e-commerce platform, and then the cross-border e-commerce platform will clear the received funds to the overseas collection account corresponding to the user seller's binding. Finally, the user seller can withdraw the funds in the overseas collection account to the in-country account by means of cash withdrawal.

[0046] In the embodiment of the present application, the fund control processing method is applied to a fund control processing platform, which is mainly used when a user seller takes out a loan. The loan is used for the user seller to operate a store on a cross-border e-commerce platform. When a lending institution detects credit risks of the user seller, such as insufficient funds for repayment or overdue repayment, etc., the lending institution issues a fund control instruction to the fund control processing platform of the present application. The fund control processing platform can directly control the funds in the locked collection account without accepting the authorization instruction of the user, and directly deduct the corresponding funds to the lending institution, which is beneficial to effectively controlling the funds in the collection account of the user at the collection institution when the user has credit risks at the lending institution.

[0047] The fund control processing platform can realize multi-platform interaction with the cross-border e-commerce platform, the collection institution and the lending institution. Therefore, data interfaces need to be established with the cross-border e-commerce platform, the collection institution and the lending institution during the construction stage of the fund control processing platform, so as to obtain the data sharing permissions between the fund control processing platform and the cross-border e-commerce platform, between the fund control processing platform and the collection institution platform, and between the fund control processing platform and the lending institution respectively.

[0048] Among them, the data sharing permission between the fund control processing platform and the cross-border e-commerce platform is used for the fund control processing platform to obtain the corresponding store data of the user on the cross-border e-commerce platform based on the account authorization information. The data sharing permission between the fund control processing platform and the collection institution platform is used for the fund control processing platform to obtain the corresponding store data of the user on the collection institution based on the account authorization information. The data sharing permission between the fund control processing platform and the lending institution is used for the fund control processing platform to receive the fund control instruction sent by the lending institution after a loan transaction occurs between the user and the lending institution.

[0049] Specifically, the account authorization information includes first authorization information and second authorization information. The first authorization information is the permission for the user to authorize the query of the store data of the cross-border e-commerce platform, and the second authorization information is the permission for the user to authorize the query of the store data of the collection institution.

[0050] In the embodiment of the present application, after obtaining the store data of the cross-border e-commerce platform and the collection institution respectively based on the first authorization information and the second authorization information, it is necessary to verify the two pieces of obtained store data, so as to confirm whether the store owners are the same by whether the two pieces of store data match. Only if they match can subsequent fund control be carried out.

[0051] Furthermore, before step S100, the method includes: sending visual information to the cross-border e-commerce platform so that the user performs an operation of accepting loan approval on the cross-border e-commerce platform based on the visual information, and the loan approval is an approval loan item issued by the lending institution on behalf of the user.

[0052] In the embodiment of the present application, the loan matter is issued by the fund control processing platform of the present application entrusted by the lending institution. The fund control processing platform will first send visual information to the cross-border e-commerce platform, such as graphic advertisements, etc. When the user sees the visual information, by clicking or triggering a button, the fund control processing platform will issue a loan approval information (offer) to the user.

[0053] In one possible implementation, after the user confirms acceptance of the loan approval on the fund control processing platform, the user will be redirected to the signing page of the lending institution itself. For example, when the user selects the option to confirm acceptance of the loan on the fund control processing platform, the user will be automatically redirected to the app download link of the lending institution itself, so that the user can complete the loan signing with the lending institution by downloading the lending institution's app. When the loan signing between the lending institution and the user is completed, the lending institution returns the successful loan signing result to the fund control processing platform. It should be noted that this application is equivalent to only providing a medium for users to interact with lending institutions, and the process of users signing loans with lending institutions does not occur on the fund control processing platform provided by this application.

[0054] like Figure 2 As shown, Figure 2 Provided in the embodiments of this application Figure 1 The specific process diagram of S200, wherein the store data of the cross-border e-commerce platform and the payment institution are compared according to the account authorization information to verify the store ownership of the user, includes:

[0055] S201, acquiring the store data of the user on the cross-border e-commerce platform by calling an API data interface preset by the cross-border e-commerce platform and based on the first authorization information;

[0056] S202, acquiring the store data of the user on the payment institution by calling the API data interface preset by the payment institution and based on the second authorization information.

[0057] In an embodiment of the present application, when the funds control and processing platform of the present application opens the interface with the cross-border e-commerce platform and the payment institution to obtain data sharing permissions, the cross-border e-commerce platform and the payment institution will preset an API data interface so that when the funds control and processing platform obtains the account authorization information returned by the user triggering the operation, it can obtain the user's store data on the cross-border e-commerce platform and the user's store data on the payment institution based on the account authorization information query.

[0058] S203, check the store data on the cross-border e-commerce platform and the store data on the collection institution;

[0059] S204, if the verification results are consistent, determine that the user is the store owner.

[0060] In the embodiment of the present application, after the store data on the cross-border e-commerce platform and the store data on the collection institution obtained by the fund control processing platform based on the account authorization information are verified, the two store data are verified, and whether the store owners are consistent is confirmed by whether the two store data match. If the verification results are consistent, determine that the user is the store owner.

[0061] S300, if the result of the store ownership verification is that the user is the store owner, lock the user's collection account from the store data of the collection institution.

[0062] Specifically, if the result of the store ownership verification is that the user is the store owner, send a lock collection account instruction to the collection institution, so that the collection institution locks the user's collection account from the store data of the collection institution, so that the user cannot change the collection account.

[0063] In the embodiment of the present application, according to the verification result of step S200, if the result of the store ownership verification is that the user is the store owner, the fund control processing platform sends a lock collection account instruction to the collection institution. This is because the user can have multiple accounts in the collection institution, and the user can replace any account for collection by himself. In order to ensure that when the user's credit has risks, such as not having enough funds to actively repay the loan, or being unable to actively repay the loan as scheduled, the lending institution will issue a fund control instruction to the fund control processing platform, and the fund control processing platform will deduct on behalf of the user. Then it is necessary to lock one account as the collection account among the user's multiple accounts and make the user unable to change the collection account. After that, all the funds obtained by the user's operation on the cross-border e-commerce platform will only be cleared to the locked collection account. When the user's credit has risks, the fund control processing platform will directly deduct the corresponding repayment amount from the locked collection account to the lending institution.

[0064] S400, when receiving the fund control instruction sent by the lending institution, perform fund control processing on the funds in the collection account.

[0065] Specifically, deduct the funds in the collection account according to the amount to be repaid in the fund deduction instruction, where the fund deduction instruction is an instruction sent by the lending institution according to the amount to be repaid by the user when the user fails to follow the preset repayment rules to repay the lending institution.

[0066] In an embodiment of the present application, when a lending institution detects a credit risk of a user, the lending institution sends a fund control instruction to a fund control processing platform through a pre-connected API interface. There are various types of fund control instructions. In one possible implementation, the fund deduction instruction is that when the user fails to repay the lending institution in accordance with a preset repayment rule. For example, when the user does not actively repay on time as agreed with the lending institution, or when the user does not have enough funds to actively repay the amount agreed with the lending institution, the lending institution will send an instruction to the fund control processing platform according to the amount of the user's outstanding repayment, so that the fund control processing platform, in response to this instruction, directly deducts the corresponding amount from the locked collection account of the user at the collection institution to the lending institution. The entire process does not require the user to authorize again, which is beneficial to realizing fund control over the collection account of the user at the collection institution across platforms when the user has a credit risk at the lending institution.

[0067] Specifically, according to the account freezing instruction, the collection account is frozen. The account freezing instruction is an instruction sent by the lending institution after conducting a risk assessment on the user's account when the user fails to repay the lending institution in accordance with a preset repayment rule.

[0068] In an embodiment of the present application, when a lending institution detects a credit risk of a user, it can also adopt a control method of account freezing. Then the lending institution sends a fund control instruction to the fund control processing platform. In another possible implementation, the fund control instruction further includes an account freezing instruction. When the fund control processing platform responds to the account freezing instruction, the fund control processing platform freezes the locked collection account of the user at the collection institution, which is beneficial to realizing fund control over the collection account of the user at the collection institution across platforms when the user has a credit risk at the lending institution.

[0069] In an embodiment of the present application, the method further includes: if the result of the store ownership verification is that the user is the store owner, locking the withdrawal account associated with the collection account. The withdrawal account is the account for repaying the lending institution and is opened by the lending institution.

[0070] In an embodiment of the present application, when the result of the store ownership verification is that the user is the store owner, in addition to locking the collection account, the withdrawal account associated with the collection account can also be locked. That is, when a domestic user wants to withdraw funds from an overseas collection account to a domestic account, the fund control processing platform provided by the user itself can also lock the withdrawal account associated with the collection account. Generally, the withdrawal account associated with the locked collection account is an account opened in the name of a lending institution. For example, when a user takes a loan from a certain lending institution (such as Bank A) and opens an account a in Bank A for repayment, the fund control processing platform can designate and lock the user's domestic withdrawal account as the account a opened by the lending institution, so that there is sufficient funds in account a to directly repay the lending institution, which is conducive to ensuring the reduction of the possibility of the user's credit risk, and at the same time is also conducive to the lending institution receiving the repayment funds in accordance with the repayment rules.

[0071] As Figure 3 shown, Figure 3 FIG. is a schematic structural diagram of a fund control processing system provided by an embodiment of the present application, including:

[0072] An authorization module 510, configured to obtain account authorization information based on a user's operation, where the account authorization information is the permission for the user to authorize the query of store data of a cross-border e-commerce platform and a collection institution;

[0073] An authentication module 520, configured to compare the store data of the cross-border e-commerce platform and the collection institution according to the account authorization information to perform store ownership verification on the user;

[0074] A locking module 530, configured to lock the collection account of the user from the store data of the collection institution if the result of the store ownership verification is that the user is the store owner;

[0075] A control module 540, configured to perform fund control processing on the funds of the collection account when receiving a fund control instruction sent by a lending institution.

[0076] As Figure 4 shown, Figure 4 is a schematic structural diagram of a computer-readable storage medium provided by an embodiment of the present application. The computer-readable storage medium 700 of this embodiment includes: a server 710 ( Figure 4 only one is shown), a client 720, and a data recovery program 721 stored in the client 720 and executable on at least one client 720. The client 720 executes the data recovery program 721 to send a request to the server 710, and the server 710 feeds back the result to implement the steps in the above method embodiment.

[0077] Those skilled in the art can clearly understand that, for the convenience and brevity of description, only the above-mentioned division of each functional unit and module is used as an example. In actual applications, the above-mentioned functions can be assigned to different functional units and modules according to needs, that is, the internal structure of the device is divided into different functional units or modules to complete all or part of the functions described above. Each functional unit and module in the embodiment can be integrated into a processing unit, or each unit can exist physically alone, or two or more units can be integrated into one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit. In addition, the specific names of each functional unit and module are only for the convenience of mutual distinction and do not limit the protection scope of this application. The specific working process of the units and modules in the above system can refer to the corresponding process in the foregoing method embodiment and will not be elaborated here.

[0078] In the above embodiments, the descriptions of the respective embodiments have their own emphases. For parts not detailed or recorded in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0079] Those of ordinary skill in the art can realize that the units and algorithm steps of each example described in combination with the embodiments disclosed in this application can be implemented by electronic hardware, or by a combination of computer software and electronic hardware. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Professionals can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of this application.

[0080] In the embodiments provided in this application, it should be understood that the disclosed device / terminal device and method can be implemented in other ways. For example, the device / terminal device embodiments described above are only illustrative. For example, the division of the above-mentioned module or unit is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed mutual coupling or direct coupling or communication connection can be through some interfaces. The indirect coupling or communication connection of the device or unit can be in an electrical, mechanical or other form.

[0081] In addition, each functional unit in each embodiment of this application can be integrated into a processing unit, or each unit can exist physically alone, or two or more units can be integrated into one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

[0082] If the integrated module / unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, to implement all or part of the processes in the above-described embodiment methods of this application, it can also be completed by instructing relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium. When the computer program is executed by a processor, the steps of the above-described various method embodiments can be implemented. Among them, the computer program includes computer program code, and the computer program code can be in the form of source code, object code, executable file, or some intermediate form, etc. The computer-readable medium can include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disc, computer memory, read-only memory (ROM), random access memory (RAM), electrical carrier signal, telecommunication signal, and software distribution medium, etc. It should be noted that the content included in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, the computer-readable medium does not include electrical carrier signals and telecommunication signals.

[0083] To implement all or part of the processes in the above-described embodiment methods of this application, it can also be completed by a computer program product. When the computer program product runs on a terminal device, the terminal device can implement the steps of the above-described various method embodiments when executed.

[0084] The above-described embodiments are only used to illustrate the technical solutions of this application, rather than to limit it. Although this application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: they can still modify the technical solutions recorded in the foregoing embodiments, or perform equivalent replacements for some of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the various embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. A method for fund control and management, characterized in that: The method comprises: Acquire account authorization information based on the user's operation, wherein the account authorization information is the user's authorization to query the store data of the cross-border e-commerce platform and the payment institution; Compare the store data of the cross-border e-commerce platform and the payment institution according to the account authorization information to verify the store ownership of the user; If the result of the store ownership verification is that the user is the store owner, locking the user's payment account from the store data of the payment institution; When receiving the fund control instruction sent by the lending institution, the funds in the receiving account are controlled.

2. The method according to claim 1, characterized in that: The account authorization information includes first authorization information and second authorization information, wherein the first authorization information is the user's authorization to query the store data of the cross-border e-commerce platform, and the second authorization information is the user's authorization to query the store data of the payment institution, and the store data of the cross-border e-commerce platform and the payment institution are compared according to the account authorization information to verify the store ownership of the user, including: Acquire the store data of the user on the cross-border e-commerce platform by calling the API data interface preset by the cross-border e-commerce platform and based on the first authorization information; Acquire the store data of the user on the payment institution by calling the API data interface preset by the payment institution and based on the second authorization information; Verify the store data on the cross-border e-commerce platform and the store data on the payment institution; If the verification results are consistent, the user is determined to be the owner of the store.

3. The method according to claim 1, characterized in that: Before obtaining the account authorization information based on the user's operation, the method includes: The visual information is sent to the cross-border e-commerce platform so that the user can perform an operation of accepting loan approval on the cross-border e-commerce platform based on the visual information, wherein the loan approval is an approval loan item issued by the lending institution on behalf of the user.

4. The method according to claim 1, characterized in that: If the result of the store ownership verification is that the user is the store owner, locking the user's payment account from the store data of the payment institution includes: If the result of the store ownership verification is that the user is the store owner, a payment account lock instruction is sent to the payment agency, causing the payment agency to lock the user's payment account from the store data of the payment agency, so that the user cannot change the payment account.

5. The method according to claim 1, characterized in that: The fund control instruction includes a fund deduction instruction. When the fund control instruction sent by the lending institution is received, the funds in the receiving account are controlled, including: The funds in the receiving account are deducted according to the amount to be repaid in the fund deduction instruction, wherein the fund deduction instruction is an instruction sent by the lending institution according to the amount to be repaid by the user when the user is unable to repay the lending institution according to the preset repayment rules.

6. The method according to claim 1, characterized in that: The fund control instruction also includes an account freezing instruction. When the fund control instruction sent by the lending institution is received, the funds in the receiving account are controlled, including: The receiving account is frozen according to the account freezing instruction, which is an instruction sent by the lending institution after the user performs a risk assessment on the user's account when the user is unable to repay the lending institution according to the preset repayment rules.

7. The method according to claim 1, characterized in that: The method further comprises: If the result of the store ownership verification is that the user is the store owner, the withdrawal account associated with the collection account is locked. The withdrawal account is an account for repaying the lending institution and the withdrawal account is opened by the lending institution.

8. A fund control and processing system, characterized in that: The system comprises: An authorization module, used to obtain account authorization information based on user operations, wherein the account authorization information is the user's authorization to query store data of the cross-border e-commerce platform and the payment institution; A verification module, used to compare the store data of the cross-border e-commerce platform and the payment institution according to the account authorization information to verify the store ownership of the user; A locking module, used for locking the user's payment account from the store data of the payment collection institution if the result of the store ownership verification is that the user is the store owner; The control module is used to control the funds in the collection account when receiving the fund control instruction sent by the lending institution.

9. A fund management and processing platform, which interacts with the data interface of a cross-border e-commerce platform, a payment collection institution and a lending institution, characterized in that: The platform executes instructions by calling the data interface so that the platform executes the method described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores instructions, which, when executed on a computer, enable the computer to execute the method according to any one of claims 1 to 7.

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