CN104392380A - International remittance method, device and system based on Internet P2P technology - Google Patents
International remittance method, device and system based on Internet P2P technology Download PDFInfo
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Abstract
The invention provides an international remittance method and system based on the Internet P2P technology and an international remittance device of the system. The international remittance method includes: obtaining remittance requirement information, wherein the remittance requirement information comprises currency selection, a first remittance amount and a second remittance amount; and determining whether the first remittance amount is equal to the second remittance amount; and finishing remittance according to the judgment result information and the remittance requirement information. The method enables funds to be transferred from the second money transfer receiving account in a first money transfer amount from the customer a to the first common account. The funds that need to be transferred to the first money transfer receiving account are enabled to be transferred from the customer b to a second money transfer amount in the second common account. The method has the advantages that the transnational remittance is converted into the domestic remittance, the problems that the existing transnational remittance mode consumes a large amount of time and is complicated in procedure are solved, the cost can be reduced to 1/10, the method can be handled by people in security, obvious economic benefits and social benefits are achieved, and subversive innovation is achieved.
Description
Technical field
The present invention relates to internet field of money transfers, in particular to a kind of international remittance method based on internet P2P technology, device and system.
Background technology
Along with interchange both domestic and external is day by day frequent, the transnational remittance demand of compatriots is also day by day vigorous.Current transnational money transfer transactions needs bank on the spot, or the international remittance company of specialty such as the Xi Lian world, MoneyGram etc. are remitted money.Based on current transnational method of remittance, user handles international remittance service needed and spends a large amount of time, and needs to handle loaded down with trivial details remittance formality, give and need the user of remittance to bring great inconvenience, and expense is high.
Summary of the invention
The embodiment of the present invention is to provide a kind of international remittance method based on internet P2P technology, device and system, to improve the existing transnational method of remittance at substantial time and the problem that formality is loaded down with trivial details, expense is high.
The present invention is achieved in that
A kind of international remittance method based on internet P2P technology, for international remittance, be applied to the international remittance system based on internet P2P technology, described international remittance system comprises based on the international remittance device of internet P2P technology, the first public account laying respectively at country variant and the second public account, and described international remittance method comprises:
Described international remittance device obtains remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance;
Judge that whether described first money transfer amount is equal with the second money transfer amount, provide judged result information;
Remittance is completed according to described judged result information and described remittance demand information.
Further, describedly complete remittance according to described judged result information, comprising:
When the value of described first money transfer amount is equal with the value of the second money transfer amount, described first money transfer amount that described first public account obtains by described international remittance device imports described second remittance and receives account; Described second money transfer amount described second public account obtained imports described first remittance and receives account.
Further, describedly complete remittance according to described judged result information, comprising:
When described first money transfer amount and described second money transfer amount unequal time, described international remittance device calculates the difference of described first money transfer amount and described second money transfer amount, and supplies described difference;
Described international remittance device extracts described first money transfer amount and imports described second remittance reception account from described first public account; From described second public account, extract described second money transfer amount import described first remittance reception account.In this case, the amount of money that the first remittance reception account or the second remittance reception account import will comprise difference.
Based on an international remittance device for internet P2P technology, be applied to the international remittance system based on internet P2P technology, described international remittance device comprises:
Remittance information obtainment unit, obtain remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Money transfer amount capturing unit, for catching described client's first for importing the first money transfer amount of described first remittance reception account, and catches described client's second receives account the second money transfer amount for importing described second remittance;
Judging unit, for judging that whether described first money transfer amount is equal with described second money transfer amount, provides judged result information;
Remittance performance element, for completing remittance according to described judged result information and described remittance demand information.
Further, described remittance performance element, comprising:
First public account remittance performance element, described first money transfer amount it obtained for making described first public account imports described second remittance and receives account;
Second public account remittance performance element, described second money transfer amount it obtained for making described second public account imports described first remittance and receives account.
Further, described international remittance device also comprises:
Remittance difference acquiring unit, for when described first money transfer amount and described second money transfer amount unequal time, calculate the difference of described first money transfer amount and described second money transfer amount;
Further, described international remittance device also comprises:
Remittance difference supplies unit, for supplying described difference.
Based on an international remittance system for internet P2P technology, comprise international remittance device, described international remittance system also comprises the first public account and the second public account;
Described international remittance device, for obtaining remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second; Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance; Judge that whether described first money transfer amount is equal with the second money transfer amount, provide judged result information; Remittance is completed according to described judged result information and described remittance demand information;
Described first public account, be arranged at the first country, for obtaining the first money transfer amount that described client's first imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described first money transfer amount is imported described second remittance and receive account;
Described second public account, be arranged at the second country, for obtaining the second money transfer amount that described client's second imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described second money transfer amount is imported described first remittance and receive account.
The technique effect that the embodiment of the present invention realizes:
A kind of international remittance method based on internet P2P technology that the embodiment of the present invention provides, by providing international remittance device and arranging the first public account in the first country, the mode of the second public account is set in the second country, international remittance device is made to get described client's first for importing the first money transfer amount of described first remittance reception account, and after second money transfer amount of described client's second for the described second remittance reception account of remittance, first money transfer amount and the second money transfer amount are judged, the first money transfer amount that enabling the second remittance receive account needs the fund proceeded to be transferred to described first public account from described client's first proceeds to.Correspondingly, the second money transfer amount that enabling the first remittance receive account needs the fund proceeded to be transferred to described second public account from described client's second proceeds to.Transnational remittance is made to be converted to domestic remittance, online remittance can be realized, go to the international remittance company of bank or specialty to queue up without the need to the user effort plenty of time and handle international remittance business, also without the need to handling loaded down with trivial details remittance formality, thus improve existing transnational method of remittance, costly, and need the problem handling loaded down with trivial details remittance formality.In addition, bank and middle broker can also be skipped, have economic benefit clearly and social benefit, can be described as the subversiveness innovation in this field.
Accompanying drawing explanation
The structured flowchart of the funds transfer system that Fig. 1 provides for the embodiment of the present invention;
The schematic diagram of the international remittance method that Fig. 2 provides for the embodiment of the present invention;
The process flow diagram of the international remittance method that Fig. 3 provides for the embodiment of the present invention;
Data representation intention in the international remittance method that Fig. 4 provides for the embodiment of the present invention;
The structured flowchart of the international remittance device that Fig. 5 provides for the embodiment of the present invention.
Embodiment
Along with interchange both domestic and external is day by day frequent, the transnational remittance demand of compatriots is also day by day vigorous.Current transnational remittance is mainly through bank, or the international remittance company of specialty is as the Xi Lian world, MoneyGram etc.But existing transnational method of remittance, costly, and needs to handle loaded down with trivial details remittance formality, give and need the user of remittance to bring great inconvenience.Based on this, inventor, through constantly research, proposes the international remittance method based on internet P2P technology, device and system that the embodiment of the present invention provides.
Refer to Fig. 1, a kind of international remittance system based on internet P2P technology that the embodiment of the present invention provides, comprise international remittance device 300, lay respectively at the public account of country variant first 201 and the second public account 202.
Wherein, described international remittance device 300, for obtaining remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second; Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance; Judge that whether described first money transfer amount is equal with the second money transfer amount, provide judged result information; Remittance is completed according to described judged result information and described remittance demand information;
Described first public account 201, be arranged at the first country, for obtaining the first money transfer amount that described client's first imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described first money transfer amount is imported described second remittance and receive account;
Described second public account 202, be arranged at the second country, for obtaining the second money transfer amount that described client's second imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described second money transfer amount is imported described first remittance and receive account.
As in Figure 2-4, a kind of international remittance method based on internet P2P technology that the invention process provides, be applied to the international remittance system based on internet P2P technology, described funds transfer system comprises international remittance device 300, be arranged at the first public account 201 and the second public account 202 of country variant respectively, described international remittance method comprises:
Step S101: described international remittance device obtains remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance.
Certainly, in implementation process, the mode that described international remittance device 300 obtains remittance demand information has multiple, such as, user can pass through the intelligent terminal such as smart mobile phone, panel computer, by being installed on APP (Application, application program) the input remittance demand information on this intelligent terminal, this APP is communicated with international remittance device by mobile communications network.Certainly, user also can by the remittance demand information of computer input oneself, and this computing machine is communicated with this international remittance device by internet.
Step S102: judge that whether described first money transfer amount is equal with described second money transfer amount, provides judged result information.
As shown in Figure 2, in Fig. 2, dotted arrow represents the funds flow of international remittance method traditional at present, and after solid arrow represents the international remittance device process that inventive embodiments is passed through based on P2P, the flow direction of international remittance fund, fund need not Cross-border Flow, thus makes transnational remittance be converted into domestic remittance.When international remittance device 300 captures the money transfer amount of positive dirction, namely client's first receives the first money transfer amount of account for proceeding to the first remittance, and reciprocal money transfer amount, namely, after client's second receives the second money transfer amount of account for proceeding to the second remittance, need to process the first money transfer amount and the second money transfer amount.Wherein the money transfer amount of positive dirction is the money transfer amount from the remittance of the first country to the second country, and reciprocal money transfer amount is the money transfer amount from the remittance of the second country to the first country.
And this method adopts database to carry out data processing in practice process.This database communicates with this international remittance device 300.After this international remittance device 300 obtains the remittance demand information of user's input, this remittance demand information is deposited in tables of data pre-established in database, see Fig. 4, each " currency to " generates a tables of data, if there are 20 kinds of currency, then symbiosis becomes 189 such tables of data, forms database by these tables of data; In fact, 20 kinds of currency are far above.Certainly to tables of data stored in remittance demand information time, need the selection according to Currency Type in this demand information and the transferor that generates to identification information, to determine this demand information should stored in which " currency to " tables of data.Such as: if the original Currency Type selecting remittance is Renminbi, target Currency Type is U.S. dollar, then according to backstage predefined, the direction of its remittance is for be remitted to the U.S. from China, then this demand information just must stored in " Renminbi/dollar " tables of data.As shown in Figure 4, the CA that this tables of data is positioned at left side represents that this direction of remitting money is for be remitted to the U.S. from China to the data generated, and the original Currency Type of this money transfer amount is Renminbi accordingly, target Currency Type is dollar; Be positioned at right side AC and then represent that this direction of remitting money is for be remitted to China from the U.S., correspondingly, the original Currency Type of this money transfer amount is dollar, target Currency Type is Renminbi.Therefore, when carrying out forward and reverse money transfer amount coupling, needing to call real-time medium rate, mating when forward and reverse remittance is transformed into identical Currency Type.Such as when Renminbi is 1:6 to the exchange rate of dollar, in the diagram, from China to the money transfer amount of the U.S. be (4500+4500+6000)/6=2500 dollar, and now, be (1000+1000+500)=2500 dollar from the U.S. to the money transfer amount of China, the money transfer amount of positive and negative direction is equal.Namely when the first money transfer amount is equal with the second money transfer amount, then remittance operation can be performed.
When the first money transfer amount is equal with the second money transfer amount, then perform step S103: described international remittance device imports described second remittance the first money transfer amount that the first public account 201 obtains and receives account, and described first remittance of the second money transfer amount remittance the second public account 202 obtained receives account.
And when the value of described first money transfer amount and the value of described second money transfer amount unequal time, then first perform step S104: the difference calculating described first money transfer amount and described second money transfer amount, supply described difference.Such as when being (3000+6000)/6=1500 dollar from China to the money transfer amount of the U.S., and when being now (1000+1000+500)=2500 dollar from the U.S. to the money transfer amount of China, the money transfer amount of positive and negative direction is unequal.If still do not have new Renminbi remittance to enter within the time interval preset to mate with it, then make the backup funding that prestores of public account supply this 2500-1500=1000 dollar, and then perform step S103.
In order to the method flow that the further instruction embodiment of the present invention provides, spy is exemplified below: the first public account 201 is arranged at China, and the second public account 202 is arranged at the U.S., wherein, first remittance receives account and belongs to client's first, and the second remittance receives account and belongs to client's second.Client's first is the first money transfer amount for the fund proceeded to its first remittance reception account, and client's second is the second money transfer amount for the fund proceeded to its second remittance reception account, when the first money transfer amount and the second money transfer amount are transformed into identical Currency Type by real-time medium rate, and conversion after the amount of money equal time, first remittance receives account needs the fund proceeded to be proceeded to by the second public account by the account of client's second in the U.S., and the second remittance reception account needs the fund proceeded to be proceeded to by the first public account by the account of client's first in China.
In practice process, the first public account 201 and the second public account 202 all prestore backup funding.When the value of described first money transfer amount and the value of described second money transfer amount unequal time, if still cannot fully mate within the time interval preset, international remittance device will from prestore backup funding extract difference supply.
A kind of international remittance method based on internet P2P technology that the embodiment of the present invention provides, by providing international remittance device and arranging the first public account 201 in the first country, the mode of the second public account 202 is set in the second country, international remittance device is made to get client's first for importing the first money transfer amount of described first remittance reception account, and after second money transfer amount of client's second for the described second remittance reception account of remittance, first money transfer amount and the second money transfer amount are judged, the first money transfer amount that enabling the second remittance receive account needs the fund proceeded to be transferred to described first public account from described client's first proceeds to.Correspondingly, the second money transfer amount that enabling the first remittance receive account needs the fund proceeded to be transferred to described second public account from described client's second proceeds to.Transnational remittance is made to be converted to domestic remittance, and realize online remittance, go to the international remittance company of bank or specialty to queue up without the need to the user effort plenty of time and handle international remittance business, also without the need to handling loaded down with trivial details remittance formality, thus improve existing transnational method of remittance, costly and need the problem handling loaded down with trivial details remittance formality.In addition, bank and middle broker can also be skipped, have economic benefit clearly and social benefit, can be described as the subversiveness innovation in this field.
As shown in Figure 5, a kind of international remittance device 300 that the embodiment of the present invention provides, be applied to funds transfer system, described international remittance device 300 comprises: remittance information obtainment unit 301, money transfer amount capturing unit 302, judging unit 303 and remittance performance element 304.
Wherein, remittance information obtainment unit 301, for obtaining remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Money transfer amount capturing unit 302, for catching described client's first for importing the first money transfer amount of described first remittance reception account, and imports for catching described client's second wish the second money transfer amount that described second remittance receives account;
Judging unit 303, for judging that whether the value of described first money transfer amount is equal with the value of described second money transfer amount.
Remittance performance element 304, for completing remittance according to described judged result information and described remittance demand information.And quick for the ease of what remit money, efficiently complete, this remittance performance element 304 also comprises:
First public account remittance performance element 305, described first money transfer amount it obtained for making described first public account 201 imports described second remittance and receives account;
Second public account remittance performance element 306, described second money transfer amount it obtained for making described second public account 202 imports described first remittance and receives account.
It should be noted that, when the first money transfer amount and the second money transfer amount unequal time, operate to make remittance and still can effectively complete, this international remittance device 300, also comprise: remittance difference acquiring unit 307, for when the value of described first money transfer amount and the value of described second money transfer amount unequal time, obtain the difference of the value of described first money transfer amount and the value of described second money transfer amount; Remittance difference supplies unit 308, for supplying described difference.After value complement of being on duty foot, then complete remittance by remittance performance element 304.
It should be noted that, the device that the embodiment of the present invention provides, its technique effect realizing principle and generation is identical with preceding method embodiment, is concise and to the point description, and the not mentioned part of device embodiment part can with reference to corresponding contents in preceding method embodiment.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (8)
1. the international remittance method based on internet P2P technology, for international remittance, it is characterized in that, be applied to the international remittance system based on internet P2P technology, described international remittance system comprises based on the international remittance device of internet P2P technology, the first public account laying respectively at country variant and the second public account, and described international remittance method comprises:
Described international remittance device obtains remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance;
Judge that whether described first money transfer amount is equal with the second money transfer amount, provide judged result information;
Remittance is completed according to described judged result information and described remittance demand information.
2. the international remittance method based on internet P2P technology according to claim 1, is characterized in that, describedly completes remittance according to described judged result information, comprising:
When the value of described first money transfer amount is equal with the value of the second money transfer amount, described first money transfer amount that described first public account obtains by described international remittance device imports described second remittance and receives account; Described second money transfer amount described second public account obtained imports described first remittance and receives account.
3. the international remittance method based on internet P2P technology according to claim 1, is characterized in that, describedly completes remittance according to described judged result information, comprising:
When described first money transfer amount and described second money transfer amount unequal time, described international remittance device calculates the difference of described first money transfer amount and described second money transfer amount, and supplies described difference;
Described international remittance device extracts described first money transfer amount and imports described second remittance reception account from described first public account; From described second public account, extract described second money transfer amount import described first remittance reception account.
4. based on an international remittance device for internet P2P technology, it is characterized in that, be applied to the international remittance system based on internet P2P technology, described international remittance device comprises:
Remittance information obtainment unit, obtain remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second;
Money transfer amount capturing unit, for catching described client's first for importing the first money transfer amount of described first remittance reception account, and catches described client's second receives account the second money transfer amount for importing described second remittance;
Judging unit, for judging that whether described first money transfer amount is equal with described second money transfer amount, provides judged result information;
Remittance performance element, for completing remittance according to described judged result information and described remittance demand information.
5. the international remittance device based on internet P2P technology according to claim 4, is characterized in that, described remittance performance element, comprising:
First public account remittance performance element, described first money transfer amount it obtained for making described first public account imports described second remittance and receives account;
Second public account remittance performance element, described second money transfer amount it obtained for making described second public account imports described first remittance and receives account.
6. the international remittance device based on internet P2P technology according to claim 4, is characterized in that, described international remittance device also comprises:
Remittance difference acquiring unit, for when described first money transfer amount and described second money transfer amount unequal time, calculate the difference of described first money transfer amount and described second money transfer amount.
7. the international remittance device based on internet P2P technology according to claim 6, is characterized in that, described international remittance device also comprises:
Remittance difference supplies unit, for supplying described difference.
8. based on an international remittance system for internet P2P technology, it is characterized in that, comprise international remittance device, described international remittance system also comprises the first public account and the second public account;
Described international remittance device, for obtaining remittance demand information, described remittance demand information comprises the selection of Currency Type and the information of remittance account: the first remittance receives account, the second remittance receives account, described first remittance receives account and belongs to client's first, and described second remittance receives account and belongs to client's second; Described remittance demand information also comprises, and described client's first receives the first money transfer amount of account for importing described first remittance, and described client's second receives the second money transfer amount of account for importing described second remittance; Judge that whether described first money transfer amount is equal with the second money transfer amount, provide judged result information; Remittance is completed according to described judged result information and described remittance demand information;
Described first public account, be arranged at the first country, for obtaining the first money transfer amount that described client's first imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described first money transfer amount is imported described second remittance and receive account;
Described second public account, be arranged at the second country, for obtaining the second money transfer amount that described client's second imports, and the matching result of international remittance device based on internet P2P technology, when the first money transfer amount is equal with described second money transfer amount, described second money transfer amount is imported described first remittance and receive account.
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