A method and system for real-time clearing and settlement of points supporting cross-border circulation.

Abstract

This invention discloses a real-time points clearing and settlement method and system supporting cross-border transactions, relating to the field of cross-border transaction technology. It includes establishing a third-party transaction platform, setting up an inspection-free fund account and an audit account. When a payer and payee conduct a transaction of amount b, the system automatically matches the transaction method for both parties. The customer confirms the transaction method, the transaction of amount b is conducted, a security audit is performed on the transaction, risk management is implemented, the transaction is completed, and the customer's transaction behavior is evaluated. Based on the evaluation results, the initial fund A is dynamically adjusted, and a dispute resolution database is established. This invention utilizes a real-time points clearing and settlement method supporting cross-border transactions, providing three transaction options based on the established accounts: an audit transaction channel, an inspection-free transaction channel, and a combined audit and inspection-free channel. This offers diverse transaction options, and under the inspection-free transaction channel, secure funds can be transacted first, followed by transaction fund auditing, thereby improving transaction efficiency.

Description

Technical Field

[0001] This invention relates to the field of cross-border transaction technology, and in particular to a real-time clearing and settlement method and system for points that supports cross-border circulation. Background Technology

[0002] For a long time, the global financial ecosystem has been constrained by the inefficiency, high cost, and security issues of cross-border payment systems. Blockchain technology has emerged as a solution to these challenges, significantly improving security, transparency, and operational efficiency. The decentralized nature of blockchain eliminates intermediaries and greatly shortens transaction processing time, which is particularly important for international remittances. The core advantage of blockchain in the field of cross-border payments lies in the transparent and tamper-proof ledger system it provides, ensuring that transactions are traceable throughout the entire process. This mechanism effectively reduces the risk of fraud and the possibility of operational errors by permanently storing all transaction records in a distributed ledger for all parties to review, thereby enhancing system security.

[0003] Existing cross-border transaction audits mostly adopt a post-event batch audit model, which has unreasonable audit triggering timing and only focuses on the single dimension of fund flow verification. It lacks comprehensive audits of multiple dimensions such as the qualifications of the transaction entities, the authenticity of their backgrounds, and the matching of risk lists. At the same time, the audit and transaction process are not decoupled. Synchronous audits result in the loss of transaction real-time performance, while asynchronous audits cannot intercept risky transactions in a timely manner. It is difficult to balance compliance and real-time requirements, thus having certain defects. Summary of the Invention

[0004] The purpose of this invention is to provide a real-time points clearing and settlement method and system that supports cross-border circulation, so as to solve the problems mentioned in the background art.

[0005] To achieve the above objectives, the present invention provides the following technical solution: a real-time clearing and settlement method for points that supports cross-border circulation, comprising the following steps:

[0006] Step 1: Establish a third-party transaction platform, collect and statistically analyze information on payers and payees, and settle funds and points through the third-party transaction platform;

[0007] Step Two: Establish an inspection-free fund account and an audit account. Both parties to the transaction deposit the initial fund A into the inspection-free fund account and establish an audit transaction channel and an inspection-free transaction channel.

[0008] Step 3: When the payer and payee conduct a transaction of amount b, the transaction method is automatically matched for the payer and payee. The customer confirms the transaction method and the transaction of amount b is completed.

[0009] Step 4: Conduct a security audit of the transaction, handle any risks, and complete the transaction;

[0010] Step 5: Evaluate the client's trading behavior and dynamically adjust the initial Fund A based on the evaluation results;

[0011] Step Six: Establish a dispute resolution database for disputes in cross-border transactions, and continuously optimize and supplement the database in real time.

[0012] Preferably, the establishment of the third-party transaction platform in step one includes the following steps:

[0013] S1.1: The technical architecture of the third-party trading platform is constructed with the access layer, application layer, service layer, data layer, and infrastructure layer;

[0014] S1.2: Conduct internal functional testing, stress testing, and security penetration testing; invite a small group of seed users to conduct gray-scale testing; fix system vulnerabilities; and optimize user experience.

[0015] S1.3: Publicize the information of the trading platform, launch and promote it and perform a cold start, conduct regular security compliance retests, submit transaction data as required by regulations, update platform rules in a timely manner and file them, iterate system functions based on user feedback, and prevent risks of transaction fraud and selling counterfeit goods.

[0016] S1.4: Collect user personal information and enterprise information, establish user accounts, and conduct transactions using a third-party transaction platform.

[0017] Preferably, in step two, the inspection-free fund account is a special fund pool for compliant transactions. The ownership of the funds in the account is jointly managed by the platform and the two parties to the transaction. The audit account is an independent custody account for all transaction data, physically isolated from the platform's business system. It only grants query permissions to regulatory agencies and third-party auditing institutions. All fund flows and transaction vouchers are permanently retained and cannot be tampered with. When no transactions are being conducted, the holder of the inspection-free fund account can deposit and withdraw funds within the initial fund A. When a transaction is conducted, i.e., when the audit account deposits transaction funds b and the transaction method is confirmed, the holder of the inspection-free fund account and the third-party platform need to jointly control the funds in the inspection-free fund account. From the time the transaction funds b are deposited into the audit account until the end of the audit, the audit account is frozen and cannot control the transaction funds b in the audit account.

[0018] Preferably, in step two, the audit transaction channel involves the payer depositing funds into an audit account. Once the audit is completed and the transaction meets security requirements, the funds in the audit account are transferred out. In the inspection-free transaction channel, the payer deposits funds into an audit account, then uses the funds in the inspection-free fund account to conduct a transaction, completes the transfer, and audits the funds in the audit account. Once the audit is completed and the transaction meets security requirements, the funds in the audit account are transferred into the inspection-free fund account.

[0019] Preferably, step three, which automatically matches the payment method for the payer and payee, includes the following steps:

[0020] S3.1: First, determine whether the two parties are transacting for the first time. If it is the first time, only provide the user with an audit transaction channel.

[0021] S3.2: When it is not the first transaction, compare the transaction amount b with the initial fund A. When the transaction amount b is less than or equal to the initial fund A, provide the user with three options: audited transaction channel, inspection-free transaction channel, and audit-inspection-free combination channel. When the transaction amount b is greater than the initial fund A, provide the user with two options: audited transaction channel and audit-inspection-free combination channel.

[0022] S3.3: The user selects a transaction channel and conducts a transaction of amount b.

[0023] Preferably, in step S3.3, when selecting the audit transaction channel to conduct a transaction of amount b, the transaction amount b is transferred to the audit account, and the amount b in the audit account is audited. When the audit passes, the amount is directly transferred to both parties of the transaction. When the audit fails, the transaction is rejected, and the amount b in the audit account is frozen.

[0024] When choosing the inspection-free transaction channel for transaction amount b, the payer transfers the payment amount b to the audit account and transfers the required amount b from the payer's inspection-free fund account to the payee's inspection-free fund account to complete the initial transaction. Then, the amount b in the audit account is audited. If the audit passes, the amount b in the audit account is transferred to the payer's inspection-free fund account. If the audit fails, the amount b in the audit account is frozen.

[0025] When selecting the audit exemption channel for transaction amount b, amount b is divided into the audit exemption amount A and the remaining amount exceeding the audit exemption amount A. The audit exemption amount A is traded through the audit exemption transaction channel, while the remaining amount exceeding the audit exemption amount A is traded through the audit transaction channel.

[0026] Preferably, the security audit of transactions in step four includes the following steps:

[0027] S4.1: Security audit triggering timing and pre-verification. Transactions must complete pre-verification before entering the substantive audit stage. The pre-verification stage requires the completion of basic verification items. If any basic verification item fails, the transaction will be rejected directly without proceeding to the subsequent audit process. Basic verification items include: verification of the account status of both parties to the transaction, verification of the consistency of the transaction amount, verification of the transaction qualifications, and verification of the transaction channel permissions.

[0028] S4.2: Audits are conducted from multiple dimensions, including auditing the identity of the transaction entity, auditing the authenticity of the transaction background, auditing the source and flow of funds, and auditing the risk list. All audit operations are recorded and cannot be altered, and audit records are permanently stored in the audit account.

[0029] S4.3: Based on the risk characteristics identified in the audit, transaction risks are classified into three levels: Level 1 risk, Level 2 risk, and Level 3 risk, each corresponding to a different handling procedure;

[0030] S4.4: When all conditions for transaction completion are met, the transaction is considered to be officially completed. After the transaction is completed, the transaction data will be automatically synchronized to the user behavior evaluation module as the basis for subsequent dynamic adjustments to the initial fund A.

[0031] Preferably, the assessment of customer transaction behavior includes the following steps:

[0032] S5.1: Evaluate transactions from multiple dimensions, including transaction compliance, transaction activity, performance, and transaction contribution.

[0033] S5.2: A weighted scoring model based on a percentage system is used to comprehensively score customers. The dimensions of transaction compliance, transaction activity, performance and transaction contribution are assigned weights according to the importance of the transaction. The sum of the weights is 1, and the comprehensive score ranges from 1 to 100. Based on the evaluation score, customers are divided into four levels: high-quality customers, good customers, ordinary customers and risky customers.

[0034] S5.3: The initial fund A is dynamically adjusted based on the quarterly customer rating. When the customer is assessed as a risky customer in a quarter, the initial fund A is reduced. When the customer is assessed as an ordinary customer in a quarter, the initial fund A remains unchanged. When the customer is assessed as a good customer in a quarter, the initial fund A based on the base one is increased. When the customer is assessed as a high-quality customer in a quarter, the initial fund A based on the base two is increased. If the customer is assessed as a high-quality customer for consecutive quarters, the initial fund A will be doubled based on the previous increase.

[0035] Preferably, establishing the dispute resolution database includes the following steps:

[0036] S6.1: Data collection in the database is carried out using a three-tier architecture consisting of a basic rule base, a dispute case base, and an evidence material base;

[0037] S6.2: Establish a dynamic optimization method of automatic data collection, manual verification, and regular updates to ensure the timeliness, accuracy, and completeness of data;

[0038] S6.3: Use databases to fully support risk prevention and dispute resolution throughout the entire cross-border transaction process. Application scenarios include dispute prediction, rapid adjudication, risk warning, and customer credit assessment.

[0039] S6.4: Encrypt and back up the data in the database, and manage query permissions for the data in the database.

[0040] Another objective of this invention is to provide a real-time points clearing and settlement system that supports cross-border circulation, comprising:

[0041] The third-party trading platform module is used to support and manage all transactions.

[0042] The account system management module is used to build two types of independently managed dedicated accounts to achieve isolated management of funds and transaction data;

[0043] A transaction channel management module that automatically matches transaction methods based on the transaction scenario and user qualifications;

[0044] The security audit management module is used to conduct multi-dimensional audits of all transactions, identify transaction risks, and take corresponding actions to ensure transaction compliance.

[0045] The customer behavior assessment module conducts a comprehensive credit assessment based on the user's historical transaction data, providing a basis for the dynamic adjustment of the initial fund A;

[0046] The dispute resolution management module is used to build a professional dispute resolution database and process disputes based on the database.

[0047] The regulatory compliance management module is used to regulate transactions in order to ensure the compliance of system transactions.

[0048] The technical effects and advantages of this invention are as follows:

[0049] (1) This invention utilizes a real-time settlement method for points that supports cross-border circulation. By establishing an inspection-free fund account and an audit account, three transaction options are formed based on the established accounts: an audit transaction channel, an inspection-free transaction channel, and a combination of audit and inspection-free channels. This provides a variety of transaction options. Furthermore, under the inspection-free transaction channel, it is possible to realize the method of trading secure funds first and then auditing the transaction funds, which can improve transaction efficiency.

[0050] (2) This invention utilizes transaction behavior assessment methods and a comprehensive credit assessment model based on multi-dimensional data to achieve a comprehensive score of user credit. Based on the score results, the exemption limit for high-quality users is increased to reduce transaction costs, while the limit for risky users is tightened to strengthen risk prevention and control, thereby achieving efficient allocation of risk control resources. The credit assessment results are linked with transaction channel permissions to incentivize users to conduct compliant transactions and build a healthy cross-border transaction ecosystem. Attached Figure Description

[0051] The accompanying drawings are provided to further illustrate the invention and form part of the specification. They are used together with the embodiments of the invention to explain the invention, but do not constitute a limitation thereof. In the drawings:

[0052] Figure 1 This is a flowchart of the method of the present invention;

[0053] Figure 2 A logic flowchart for generating the transaction channel of this invention;

[0054] Figure 3 The flowchart for adjusting the initial fund A in this invention is shown. Detailed Implementation

[0055] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0056] This invention provides, for example Figures 1-3 The illustrated method for real-time clearing and settlement of points that supports cross-border circulation includes the following steps:

[0057] Step 1: Establish a third-party transaction platform, collect and statistically analyze information on payers and payees, and settle funds and points through the third-party transaction platform;

[0058] Step Two: Establish an inspection-free fund account and an audit account. Both parties to the transaction deposit the initial fund A into the inspection-free fund account and establish an audit transaction channel and an inspection-free transaction channel.

[0059] Step 3: When the payer and payee conduct a transaction of amount b, the transaction method is automatically matched for the payer and payee. The customer confirms the transaction method and the transaction of amount b is completed.

[0060] Step 4: Conduct a security audit of the transaction, handle any risks, and complete the transaction;

[0061] Step 5: Evaluate the client's trading behavior and dynamically adjust the initial Fund A based on the evaluation results;

[0062] Step Six: Establish a dispute resolution database for disputes in cross-border transactions, and continuously optimize and supplement the database in real time.

[0063] Furthermore, the establishment of a third-party trading platform in step one includes the following steps:

[0064] S1.1: The technical architecture of the third-party trading platform is constructed with the access layer, application layer, service layer, data layer, and infrastructure layer;

[0065] S1.2: Conduct internal functional testing, stress testing, and security penetration testing; invite a small group of seed users to conduct gray-scale testing; fix system vulnerabilities; and optimize user experience.

[0066] S1.3: Publicize the information of the trading platform, launch and promote it and perform a cold start, conduct regular security compliance retests, submit transaction data as required by regulations, update platform rules in a timely manner and file them, iterate system functions based on user feedback, and prevent risks of transaction fraud and selling counterfeit goods.

[0067] S1.4: Collect user personal information and enterprise information. User personal information includes basic identity information, contact information, financial information and cross-border transaction qualification information. Enterprise information includes business registration information, equity structure information, operating information and cross-border qualification information. Establish user accounts and conduct transactions using a third-party transaction platform.

[0068] Furthermore, in step two, the audit-free funds account is a dedicated fund pool for compliant transactions. The funds in this account are jointly managed by the platform and both parties to the transaction. The funds in the audit-free funds account are audited, legal, and compliant, and can be directly used for transaction transfers. The audit account serves as an independent custodian account for all transaction data, physically isolated from the platform's business system. Access is only granted to regulatory agencies and third-party auditing firms. All fund flows and transaction vouchers are permanently retained and cannot be tampered with, ensuring data traceability. The audit account is connected to the central bank's anti-money laundering monitoring system and is used to transfer funds for transactions awaiting audit. Interest generated during the fund's storage period belongs to the transaction entity. After the audit is completed, the funds are automatically transferred according to the rules. The account has a dynamic freezing threshold; funds are automatically locked when risk rules are triggered. Dynamic freeze thresholds are dynamically adjusted transaction trigger thresholds set by banks and other financial institutions for account transaction risk control. When an account transaction reaches the corresponding threshold, the system will automatically trigger account freezing or transaction restriction measures. This is an important mechanism in the anti-money laundering, anti-fraud, and account security management system. When no transactions are being conducted, the holder of the exempt funds account can deposit and withdraw funds within the initial fund A. When a transaction is conducted, i.e., when the audit account deposits transaction funds b and confirms the transaction method, the holder of the exempt funds account and the third-party platform need to jointly control the funds in the exempt funds account. From the time the audit account deposits transaction funds b until the end of the audit, the audit account is frozen and cannot control the transaction funds b in the audit account.

[0069] Furthermore, in step two, the audit transaction channel involves the payer depositing funds into an audit account. Once the audit is completed and the transaction meets security requirements, the funds are transferred out of the audit account. The inspection-free transaction channel involves the payer depositing funds into an audit account, then using the funds in the inspection-free account for a transaction to complete the transfer. The funds in the audit account are then audited. Once the audit is completed and the transaction meets security requirements, the funds in the audit account are transferred into the inspection-free account. This ensures that secure funds are traded first, followed by auditing of the transferred funds, thus improving transaction efficiency. Transaction entities can deposit the initial fund through various methods such as bank transfers and digital wallet top-ups. Once the funds arrive, the corresponding account permissions are automatically activated, and the system generates a unique identifier that binds all accounts. Diverse deposit methods for the initial fund A are supported. In addition to cash, assessed financial instruments such as bank guarantees and letters of credit can be converted into the initial fund at a certain ratio, improving the efficiency of fund utilization.

[0070] In particular, step three, which automatically matches the transaction method for the payer and payee, includes the following steps:

[0071] S3.1: First, determine whether the two parties are transacting for the first time. If it is the first time, only provide the user with an audit transaction channel.

[0072] S3.2: When it is not the first transaction, compare the transaction amount b with the initial fund A. When the transaction amount b is less than or equal to the initial fund A, provide the user with three options: audited transaction channel, inspection-free transaction channel, and audit-inspection-free combination channel. When the transaction amount b is greater than the initial fund A, provide the user with two options: audited transaction channel and audit-inspection-free combination channel.

[0073] S3.3: When a user selects a transaction channel, the transaction fees for different transaction channels must be disclosed to the user to ensure the user's right to know before proceeding with the transaction of amount b.

[0074] Furthermore, in S3.3, when the audit transaction channel is selected to conduct a transaction of amount b, the transaction amount b is transferred to the audit account, and the amount b in the audit account is audited. When the audit passes, the amount is directly transferred to both parties of the transaction. When the audit fails, the transaction is rejected and the amount b in the audit account is frozen.

[0075] When choosing the inspection-free transaction channel for transaction amount b, the payer transfers the payment amount b to the audit account and transfers the required amount b from the payer's inspection-free fund account to the payee's inspection-free fund account to complete the initial transaction. Then, the amount b in the audit account is audited. If the audit passes, the amount b in the audit account is transferred to the payer's inspection-free fund account. If the audit fails, the amount b in the audit account is frozen.

[0076] When selecting the audit exemption channel for transaction amount b, amount b is divided into the audit exemption amount A and the remaining amount exceeding the audit exemption amount A. The audit exemption amount A is traded through the audit exemption transaction channel, while the remaining amount exceeding the audit exemption amount A is traded through the audit transaction channel.

[0077] In particular, step four, which involves a security audit of the transaction, includes the following steps:

[0078] S4.1: Security Audit Triggering Timing and Pre-verification. Transactions must complete pre-verification before entering the substantive audit stage. When a transaction is conducted through the audit channel, the audit process is triggered immediately after the payer transfers the transaction amount b to the audit account. Funds are frozen until the audit is completed and no transfer operations are allowed. When a transaction is conducted through the inspection-free channel, the inspection-free fund account completes the quota transfer, and then the asynchronous audit process is triggered. The audit process does not affect the completion of the initial transaction, but the audit result will determine the final flow of funds in the audit account. When a combined audit-free and inspection-free channel is used, two audit processes are triggered simultaneously after the inspection-free quota is transferred: one is the asynchronous audit of the inspection-free quota, and the other is the synchronous audit of the portion exceeding the initial fund A. The two audits are conducted independently, and the results do not affect each other. The pre-verification stage requires the completion of basic verification items. If any basic verification item fails, the transaction will be rejected directly without proceeding to the subsequent audit process. The basic verification items include: verification of the account status of both parties, verification of the consistency of the transaction amount, verification of transaction qualifications, and verification of transaction channel permissions. Verification of the account status of both parties confirms that the payer's and payee's accounts are in normal and available status and have not been frozen, cancelled, or included in the risk list. Verification of the consistency of the transaction amount confirms that the transaction amount submitted by the user, the transfer amount recorded by the system, and the amount actually transferred to the audit account are completely consistent. Verification of transaction qualifications confirms that both parties have the cross-border transaction qualifications corresponding to the current transaction type and that the transaction content complies with the permitted scope stipulated by the regulatory authorities. Verification of transaction channel permissions confirms that the transaction channel selected by the user complies with the permission requirements of the current transaction scenario. For example, first-time users may not use the inspection-free channel.

[0079] S4.2: Audits are conducted from multiple dimensions, including auditing the identity of the transaction entity, auditing the authenticity of the transaction background, auditing the source and flow of funds, and auditing the risk list. All audit operations are recorded and cannot be altered, and audit records are permanently stored in the audit account.

[0080] S4.3: Based on the risk characteristics identified in the audit, transaction risks are classified into three levels: Level 1, Level 2, and Level 3, each corresponding to a different handling procedure. Level 1 risk represents low risk, meaning all audit dimensions passed, no risk characteristics were found, or there were non-material flaws, such as non-standard voucher formats or clerical errors in information filling. After supplementing materials, the legality and compliance of the transaction can be confirmed. Level 2 risk represents medium risk, meaning there are suspicious risk characteristics, but it is not yet possible to confirm that the transaction is illegal, such as questionable transaction background, unclear source of funds, or abnormal behavior patterns. Further verification is required. Level 3 risk represents high risk. Risk refers to the existence of clear violations, such as identity fraud, fabricated transaction background, illegal source of funds, or being on the risk list. When a transaction is confirmed to violate laws, regulations, or platform rules and is audited as high-risk, all funds involved in the transaction will be permanently frozen, the transaction application will be rejected, the completed transfer of funds in the exemption channel will be reversed, and the funds will be transferred from the recipient's exemption account back to the payer's exemption account. The violating transaction entity will be included in the platform's risk list, and its subsequent transaction privileges will be restricted. If the transaction is suspected of being illegal or criminal, the case will be immediately reported to the local public security organs and regulatory departments, and all transaction evidence materials will be provided.

[0081] S4.4: When all conditions for transaction completion are met, the transaction is considered to be officially completed. After the transaction is completed, the transaction data will be automatically synchronized to the user behavior evaluation module as the basis for subsequent dynamic adjustments of the initial fund A. If there are any violations during the transaction, they will be directly included in the user's credit file, affecting their subsequent transaction channel permissions and exemption limits.

[0082] Furthermore, assessing a customer's transaction behavior includes the following steps:

[0083] S5.1: Transaction evaluation is conducted from multiple dimensions, including transaction compliance, transaction activity, performance, and transaction contribution. Transaction compliance is assessed by statistically analyzing the audit pass rate, number of violations, and risk level of customer transactions in the past two quarters to evaluate the legality and compliance of customer transaction behavior. Transaction activity is assessed by statistically analyzing the customer's transaction frequency, cumulative transaction amount, and average transaction amount in the past two quarters to evaluate the customer's transaction scale and activity level. Performance is assessed by statistically analyzing the customer's transaction completion rate, objection handling results, and timeliness of supplementary material submission in the past two quarters to evaluate the customer's performance capability and credit level. Transaction contribution is assessed by statistically analyzing the transaction fee revenue and traffic contribution generated by the customer's cross-border transactions completed through the platform in the past two quarters to evaluate the customer's overall value to the platform.

[0084] S5.2: A weighted scoring model based on a percentage system is used to comprehensively evaluate customers. Transaction compliance, transaction activity, performance, and transaction contribution are weighted according to the importance of the transaction, with the sum of the weights being 1. These weights can be continuously optimized and adjusted based on transaction importance and extensive historical data. For example, the transaction compliance weight coefficient is 40%, with full marks for no violations, deducting 5 points for each low-risk violation, 15 points for a medium-risk violation, and 40 points for a high-risk violation. The transaction activity weight coefficient is 25%, with full marks for transactions of $1 million or more in the past two quarters, 20 points for $500,000-$1 million, 15 points for $100,000-$500,000, and 10 points for less than $100,000. Performance... The weighting coefficient is 20%. A perfect score is awarded for a 100% transaction completion rate with no objections. 5 points are deducted for each incomplete transaction and 10 points are deducted for each successful objection. The weighting coefficient for transaction contribution is 15%. A perfect score is awarded for transaction fee contribution of more than or equal to $10,000 in the past two quarters, 12 points for $5,000-$10,000, 8 points for $1,000-$5,000, and 5 points for less than $1,000. The overall score ranges from 1 to 100. Based on the evaluation score, customers are divided into four levels: premium customers, good customers, ordinary customers, and risky customers. A score of 90 or above is considered a premium customer, 70-89 is considered a good customer, 50-69 is considered an ordinary customer, and less than 50 is considered a risky customer.

[0085] S5.3: The initial fund A is dynamically adjusted based on the quarterly customer rating. When a customer is assessed as a high-risk customer in a quarter, the initial fund A is reduced, for example, by 50%. When a customer is assessed as an average customer in a quarter, the initial fund A remains unchanged. When a customer is assessed as a good customer in a quarter, the initial fund A based on the base one is increased, for example, by 10%. When a customer is assessed as a premium customer in a quarter, the initial fund A based on the base two is increased, for example, by 30%. Furthermore, if a customer is assessed as a premium customer for consecutive quarters, the initial fund A is doubled on top of the previous increase. For example, if a customer is assessed as a premium customer in the first quarter and the initial fund A is increased by 30%, and the customer is still assessed as a premium customer in the second quarter, the initial fund A is increased by another 60% on top of the 30% increase.

[0086] Specifically, establishing a dispute resolution database includes the following steps:

[0087] S6.1: The database uses a three-tier architecture of basic rules base, dispute case base, and evidence material base for data collection. The scope of dispute types should comprehensively cover all types of cross-border transaction dispute scenarios on the platform, including but not limited to six major categories: disputes over the identity of transaction parties, disputes over the authenticity of transactions, disputes over the ownership of funds, disputes over the quality of goods / services, disputes over breach of contract liability, and disputes over cross-border compliance. Each type of dispute is further subdivided into specific sub-scenarios. A standardized dispute classification coding system is established. Each dispute record must include the following core fields: unique dispute code, dispute type code, information of the parties to the transaction, basic transaction information, time of dispute occurrence, focus of dispute, list of evidence materials, handling entity, handling process record, ruling result, enforcement status, and subsequent risk label. Standardized input specifications are established for all fields to ensure data consistency. All relevant evidence materials for the entire dispute handling process are stored in categories, including four major categories: basic transaction vouchers, evidence materials from both parties, handling process records, and ruling documents. All materials are stored encrypted and linked one-to-one with the dispute record.

[0088] S6.2: Establish a dynamic optimization method of automatic data collection, manual verification, and regular updates to ensure the timeliness, accuracy, and completeness of data. Data collection channels include: automatic connection to the platform transaction system, automatically synchronizing basic transaction data to the database after a dispute is initiated; real-time entry into the dispute resolution system, where personnel simultaneously upload evidence materials and fill in resolution records during the dispute resolution process; regular crawling of public data sources, automatically obtaining the latest cross-border transaction-related laws, regulations, and judicial precedents published in major global jurisdictions; cooperation with third-party institutions, establishing data sharing mechanisms with arbitration institutions, courts, and regulatory departments to obtain authoritative dispute resolution reference data, automatically archiving dispute records completed on the same day, and incorporating them into the case library after completing field integrity verification; automatically crawling the latest rules and precedent data from public data sources weekly, standardizing the format, and incorporating them into the basic rule library; and automatically updating the labels of dispute data stored in the database monthly, supplementing risk feature labels based on the new risk identification model. All new data must undergo three levels of review before it can officially take effect.

[0089] S6.3: Use databases to fully support risk prevention and dispute resolution throughout the entire cross-border transaction process. Application scenarios include dispute prediction, rapid adjudication, risk warning, and customer credit assessment.

[0090] S6.4: Data within the database is encrypted and backed up for storage. Query access to the database is managed, and data storage locations comply with the data storage requirements of the country or region where the trading entity is located. Sensitive personal information and trade secrets are stored with end-to-end encryption. Keys are managed through multi-party hierarchical access control to ensure data storage security. The database is regularly backed up off-site at least once a day, and backup data is retained for at least 5 years. Query access management establishes a four-level access control system: Level 1 is for system administrators, who can only perform system maintenance and cannot access specific data content; Level 2 is for data operation personnel, who can only perform data entry and verification operations and cannot export complete data; Level 3 is for dispute resolution personnel, who can only access data related to the current dispute being handled; and Level 4 is for administrators, who can only access summary statistics and cannot view sensitive user information. All access operations are fully traceable, and logs are permanently stored, supporting audit traceability.

[0091] Another objective of this invention is to provide a real-time settlement method and system for points that supports cross-border circulation, including a third-party trading platform module, an account system management module, a transaction channel management module, a security audit management module, a customer behavior assessment module, a dispute resolution management module, and a regulatory compliance management module. The third-party trading platform module supports all transactions and management. The account system management module is used to build two types of independently managed dedicated accounts to achieve isolated management of funds and transaction data. The transaction channel management module automatically matches the transaction method according to the transaction scenario and user qualifications. The security audit management module is used to conduct multi-dimensional audits of all transactions, identify transaction risks, and execute corresponding actions to ensure transaction compliance. The customer behavior assessment module conducts comprehensive credit assessments based on users' historical transaction data to provide a basis for the dynamic adjustment of the initial fund A. The dispute resolution management module is used to build a professional dispute resolution database and handle disputes based on the database. The regulatory compliance management module is used to supervise transactions to ensure the compliance of system transactions.

[0092] Although embodiments of the invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made to these embodiments without departing from the principles and spirit of the invention, the scope of which is defined by the appended claims and their equivalents.

Claims

1. A method for real-time clearing and settlement of points supporting cross-border circulation, characterized in that: Includes the following steps: Step 1: Establish a third-party transaction platform, collect and statistically analyze information on payers and payees, and settle funds and points through the third-party transaction platform; Step Two: Establish an inspection-free fund account and an audit account. Both parties to the transaction deposit the initial fund A into the inspection-free fund account and establish an audit transaction channel and an inspection-free transaction channel. Step 3: When the payer and payee conduct a transaction of amount b, the transaction method is automatically matched for the payer and payee. The customer confirms the transaction method and the transaction of amount b is completed. Step 4: Conduct a security audit of the transaction, handle any risks, and complete the transaction; Step 5: Evaluate the client's trading behavior and dynamically adjust the initial Fund A based on the evaluation results; Step Six: Establish a dispute resolution database for disputes in cross-border transactions, and continuously optimize and supplement the database in real time.

2. The real-time settlement method for points that supports cross-border circulation according to claim 1, characterized in that: The establishment of the third-party trading platform in step one includes the following steps: S1.1: The technical architecture of the third-party trading platform is constructed with the access layer, application layer, service layer, data layer, and infrastructure layer; S1.2: Conduct internal functional testing, stress testing, and security penetration testing; invite a small group of seed users to conduct gray-scale testing; fix system vulnerabilities; and optimize user experience. S1.3: Publicize the information of the trading platform, launch and promote it and perform a cold start, conduct regular security compliance retests, submit transaction data as required by regulations, update platform rules in a timely manner and file them, iterate system functions based on user feedback, and prevent risks of transaction fraud and selling counterfeit goods. S1.4: Collect user personal information and enterprise information, establish user accounts, and conduct transactions using a third-party transaction platform.

3. The real-time settlement method for points that supports cross-border circulation according to claim 1, characterized in that: In step two, the inspection-free fund account is a special fund pool for compliant transactions. The funds in the account are jointly managed by the platform and the transacting parties. The audit account is an independent custody account for all transaction data, physically isolated from the platform's business system. It only grants access to regulatory agencies and third-party auditing institutions. All fund flows and transaction vouchers are permanently retained and cannot be tampered with. When no transactions are being conducted, the holder of the inspection-free fund account can deposit and withdraw funds within the initial fund A. When a transaction is conducted, i.e., when transaction funds b are deposited into the audit account and the transaction method is confirmed, the holder of the inspection-free fund account and the third-party platform must jointly manage the funds in the inspection-free fund account. From the time transaction funds b are deposited into the audit account until the end of the audit, the audit account is frozen and transaction funds b in the audit account cannot be managed.

4. The real-time settlement method for points that supports cross-border circulation according to claim 3, characterized in that: In step two, the audit transaction channel involves the payer depositing funds into an audit account. Once the audit is completed and the transaction meets security requirements, the funds are transferred out of the audit account. In the inspection-free transaction channel, the payer deposits funds into an audit account, then uses the funds in the inspection-free fund account to conduct a transaction, complete the transfer, and audit the funds in the audit account. Once the audit is completed and the transaction meets security requirements, the funds in the audit account are transferred into the inspection-free fund account.

5. The real-time settlement method for points that supports cross-border circulation according to claim 4, characterized in that: Step three, which automatically matches the payment method for the payer and payee, includes the following steps: S3.1: First, determine whether the two parties are transacting for the first time. If it is the first time, only provide the user with an audit transaction channel. S3.2: When it is not the first transaction, compare the transaction amount b with the initial fund A. When the transaction amount b is less than or equal to the initial fund A, provide the user with three options: audited transaction channel, inspection-free transaction channel, and audit-inspection-free combination channel. When the transaction amount b is greater than the initial fund A, provide the user with two options: audited transaction channel and audit-inspection-free combination channel. S3.3: The user selects a transaction channel and conducts a transaction of amount b.

6. The real-time settlement method for points that supports cross-border circulation according to claim 5, characterized in that: When selecting the audit transaction channel in S3.3 to conduct a transaction of amount b, the transaction amount b is transferred to the audit account, and the amount b in the audit account is audited. When the audit is passed, the amount is directly transferred to both parties of the transaction. When the audit fails, the transaction is rejected and the amount b in the audit account is frozen. When choosing the inspection-free transaction channel for transaction amount b, the payer transfers the payment amount b to the audit account and transfers the required amount b from the payer's inspection-free fund account to the payee's inspection-free fund account to complete the initial transaction. Then, the amount b in the audit account is audited. If the audit passes, the amount b in the audit account is transferred to the payer's inspection-free fund account. If the audit fails, the amount b in the audit account is frozen. When selecting the audit exemption channel for transaction amount b, amount b is divided into the audit exemption amount A and the remaining amount exceeding the audit exemption amount A. The audit exemption amount A is traded through the audit exemption transaction channel, while the remaining amount exceeding the audit exemption amount A is traded through the audit transaction channel.

7. The real-time settlement method for points supporting cross-border circulation according to claim 6, characterized in that: Step four, which involves security auditing of transactions, includes the following steps: S4.1: Security audit triggering timing and pre-verification. Transactions must complete pre-verification before entering the substantive audit stage. The pre-verification stage requires the completion of basic verification items. If any basic verification item fails, the transaction will be rejected directly without proceeding to the subsequent audit process. Basic verification items include: verification of the account status of both parties to the transaction, verification of the consistency of the transaction amount, verification of the transaction qualifications, and verification of the transaction channel permissions. S4.2: Audits are conducted from multiple dimensions, including auditing the identity of the transaction entity, auditing the authenticity of the transaction background, auditing the source and flow of funds, and auditing the risk list. All audit operations are recorded and cannot be altered, and audit records are permanently stored in the audit account. S4.3: Based on the risk characteristics identified in the audit, transaction risks are classified into three levels: Level 1 risk, Level 2 risk, and Level 3 risk, each corresponding to a different handling procedure; S4.4: When all conditions for transaction completion are met, the transaction is considered to be officially completed. After the transaction is completed, the transaction data will be automatically synchronized to the user behavior evaluation module as the basis for subsequent dynamic adjustments to the initial fund A.

8. The real-time settlement method for points that supports cross-border circulation according to claim 7, characterized in that: The assessment of customer transaction behavior includes the following steps: S5.1: Evaluate transactions from multiple dimensions, including transaction compliance, transaction activity, performance, and transaction contribution. S5.2: A weighted scoring model based on a percentage system is used to comprehensively score customers. The dimensions of transaction compliance, transaction activity, performance and transaction contribution are assigned weights according to the importance of the transaction. The sum of the weights is 1, and the comprehensive score ranges from 1 to 100. Based on the evaluation score, customers are divided into four levels: high-quality customers, good customers, ordinary customers and risky customers. S5.3: The initial fund A is dynamically adjusted based on the quarterly customer rating. When the customer is assessed as a risky customer in a quarter, the initial fund A is reduced. When the customer is assessed as an ordinary customer in a quarter, the initial fund A remains unchanged. When the customer is assessed as a good customer in a quarter, the initial fund A based on the base one is increased. When the customer is assessed as a high-quality customer in a quarter, the initial fund A based on the base two is increased. If the customer is assessed as a high-quality customer for consecutive quarters, the initial fund A will be doubled based on the previous increase.

9. The real-time settlement method for points that supports cross-border circulation according to claim 8, characterized in that: The establishment of the dispute resolution database includes the following steps: S6.1: Data collection in the database is carried out using a three-tier architecture consisting of a basic rule base, a dispute case base, and an evidence material base; S6.2: Establish a dynamic optimization method of automatic data collection, manual verification, and regular updates to ensure the timeliness, accuracy, and completeness of data; S6.3: Use databases to fully support risk prevention and dispute resolution throughout the entire cross-border transaction process. Application scenarios include dispute prediction, rapid adjudication, risk warning, and customer credit assessment. S6.4: Encrypt and back up the data in the database, and manage query permissions for the data in the database.

10. A real-time points clearing and settlement system supporting cross-border circulation, characterized in that, The points real-time clearing and settlement system supporting cross-border circulation includes the points real-time clearing and settlement method supporting cross-border circulation as described in any one of claims 1-9, comprising: The third-party trading platform module is used to support and manage all transactions. The account system management module is used to build two types of independently managed dedicated accounts to achieve isolated management of funds and transaction data; A transaction channel management module that automatically matches transaction methods based on the transaction scenario and user qualifications; The security audit management module is used to conduct multi-dimensional audits of all transactions, identify transaction risks, and take corresponding actions to ensure transaction compliance. The customer behavior assessment module conducts a comprehensive credit assessment based on the user's historical transaction data, providing a basis for the dynamic adjustment of the initial fund A; The dispute resolution management module is used to build a professional dispute resolution database and process disputes based on the database. The regulatory compliance management module is used to regulate transactions in order to ensure the compliance of system transactions.

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