CN111612608A - Remittance execution method and device and electronic equipment - Google Patents
Remittance execution method and device and electronic equipment Download PDFInfo
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Abstract
The embodiment of the specification provides a remittance execution method, a remittance execution device and electronic equipment. The method comprises the following steps: responding to a remittance application request initiated by a payee, and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information; sending the remittance order to a designated remittance party according to the remittance information; and in response to a remittance confirmation request initiated by the remittance party for the remittance order, transferring funds from the account of the remittance party to the account of the remittance party according to the remittance amount.
Description
Technical Field
The embodiment of the specification relates to the technical field of internet, in particular to a remittance execution method and device and electronic equipment.
Background
Remittance refers to a process in which a remitter transfers remittance money from a remitter account to a transferee account through a remittance instrument provided by a remittance service provider.
Disclosure of Invention
The embodiment of the specification provides a remittance execution method, a remittance execution device and electronic equipment.
According to a first aspect of embodiments herein, there is provided a money transfer execution method, the method comprising:
responding to a remittance application request initiated by a payee, and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
sending the remittance order to a designated remittance party according to the remittance information;
and in response to a remittance confirmation request initiated by the remittance party for the remittance order, transferring funds from the account of the remittance party to the account of the remittance party according to the remittance amount.
Optionally, before generating the money transfer order corresponding to the money transfer application request, the method further includes:
performing security check on remitter information and payee information designated in the remittance information;
the generating a remittance order corresponding to the remittance application request comprises:
and after the sender information and the receiver information pass the security check, generating a remittance order corresponding to the remittance application request.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the transferring funds from the account of the transferor to the account of the transferee according to the money transfer amount includes:
performing security check on the sender information and the receiver information designated in the remittance confirmation information;
and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
Optionally, the security check includes: KYC exam and/or AML exam.
According to a second aspect of embodiments herein, there is provided a money transfer execution method, the method comprising:
responding to the remittance amount and the remittance information input by the receiver, and generating a remittance application request comprising the remittance amount and the remittance information;
sending the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a designated remittance party according to the remittance information; and the service end responds to a remittance confirmation request which is initiated by the remittance party and aims at the remittance order, and funds are transferred from the account of the remittance party to the account of the remittance party according to the remittance amount.
According to a third aspect of embodiments herein, there is provided a money transfer execution method, the method comprising:
receiving a remittance order generated by a remittance application request initiated by a service end on the basis of a payee; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and in response to a remittance confirmation request initiated by the remitter for the remittance order, sending the remittance confirmation request to the service end, so that the service end transfers funds from the account of the remitter to the account of the payee according to the remittance amount in response to the remittance confirmation request.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the transferring funds from the account of the transferor to the account of the transferee according to the money transfer amount includes:
performing security check on the sender information and the receiver information designated in the remittance confirmation information; and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
According to a fourth aspect of embodiments herein, there is provided a money transfer execution apparatus, the apparatus comprising:
the response unit is used for responding to a remittance application request initiated by a payee and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
a sending unit for sending the remittance order to a designated remittance party according to the remittance information;
and the execution unit is used for responding to a remittance confirmation request initiated by the remittance party and aiming at the remittance order, and transferring funds from the account of the remittance party to the account of the receiving party according to the remittance amount.
Optionally, the response unit includes:
the checking subunit is used for responding to a remittance application request initiated by a remitter and carrying out security check on remitter information and payee information appointed in the remittance information;
and the generating subunit is used for generating a remittance order corresponding to the remittance application request when the remittance party information and the receiving party information pass the security check.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the execution unit includes:
the response subunit is used for responding to a remittance confirmation request initiated by the remitter for the remittance order, and performing security check on remitter information and payee information specified in the remittance confirmation information;
and the execution subunit transfers funds from the account of the sender to the account of the receiver according to the remittance confirmation amount after the remitter information and the receiver information pass the security check.
Optionally, the security check includes: KYC exam and/or AML exam.
According to a fifth aspect of embodiments herein, there is provided a money transfer execution apparatus, the apparatus comprising:
the response unit is used for responding to the remittance amount and the remittance information input by the receiver and generating a remittance application request containing the remittance amount and the remittance information;
the execution unit sends the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a designated remittance party according to the remittance information; and the service end responds to a remittance confirmation request which is initiated by the remittance party and aims at the remittance order, and funds are transferred from the account of the remittance party to the account of the remittance party according to the remittance amount.
According to a sixth aspect of embodiments herein, there is provided a money transfer execution apparatus, the apparatus comprising:
the receiving unit is used for receiving a remittance order generated by the server based on a remittance application request initiated by a receiver; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and the response unit is used for responding to a remittance confirmation request which is initiated by a remitter and aims at the remittance order, sending the remittance confirmation request to the service end, so that the service end responds to the remittance confirmation request and transfers funds from the account of the remitter to the account of the payee according to the remittance amount.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the response unit includes:
sending the remittance confirmation request to the service end in response to a remittance confirmation request initiated by a remitter for the remittance order, so that the service end performs security check on remitter information and payee information specified in the remittance confirmation information in response to the remittance confirmation request; and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
According to a seventh aspect of embodiments herein, there is provided an electronic apparatus comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to perform any of the money transfer execution methods described above.
Embodiments of the present disclosure provide a money transfer execution scheme in which a transferee initiates a money transfer and performs the money transfer upon confirmation by the transferor.
Drawings
FIG. 1 is a flow diagram of a money transfer execution method provided by one embodiment of the present description;
fig. 2 is a schematic diagram of a money transfer execution system provided by one embodiment of the present description;
fig. 3 is a flow chart of a money transfer execution method with the server side of fig. 1 as the execution entity;
fig. 4 is a hardware block diagram of a money transfer execution apparatus provided in one embodiment of the present description;
fig. 5 is a block diagram of a money transfer execution apparatus according to one embodiment of the present disclosure.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the specification, as detailed in the appended claims.
The terminology used in the description herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the description. As used in this specification and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items. Plural in this context may refer to two or more.
It should be understood that although the terms first, second, third, etc. may be used herein to describe various information, these information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information, without departing from the scope of the present specification. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
Because of the existing money transfer schemes, money transfers must be initiated by the transferor, there is a lack of a scheme for initiating money transfers by the transferee. In practice, the recipient may have a greater incentive to initiate the money transfer than the transferor, thus, by providing the recipient to initiate the money transfer, the transferor may be prevented from intentionally delaying the money transfer.
The present specification provides a money transfer execution method, which may be described below with reference to the example shown in fig. 1, and which may be applied to a money transfer system including a client of a transferee, a server providing money transfer service, and a client of a transferor. The method may comprise the steps of:
step 110: the client of the receiver responds to the remittance amount and the remittance information input by the receiver and generates a remittance application request containing the remittance amount and the remittance information.
Step 120: and the client of the payee sends the remittance application request to the server.
The client of the recipient may be an APP (application) on software corresponding to the service providing the remittance service, such as an APP of a mobile phone bank or an APP of an electronic wallet.
The server may be a server providing remittance services, a cluster of servers, or a cloud platform built from a cluster of servers.
A schematic diagram of a money transfer execution system as shown in fig. 2, using APP as an example. The system in fig. 2 includes a server, an application APP of a receiver, and an application APP of a sender.
The transferee may fill out the money transfer amount and the money transfer information on the APP. The money transfer information includes transferee information and transferor information. The account of the transferee and the account of the transferor can be uniquely determined by the money transfer information.
The money transfer information may also be different for different money transfer approaches.
For example, in the case of money transfer using a bank card, the transferee information and the transferor information may refer to a bank card number and a card holder name.
For example, when an electronic wallet is used for transferring money, the payee information and the transferor information may refer to an electronic wallet account (e.g., an electronic mailbox, a mobile phone number, etc.).
The APP responds to the remittance amount and the remittance information filled by the payee to generate a remittance application request containing the remittance amount and the remittance information; and sending to the server.
Step 130: the server side responds to a remittance application request initiated by a payee side and generates a remittance order corresponding to the remittance application request.
Step 140: and the service end sends the remittance order to a designated remittance party according to the remittance information.
The server side responds to the request for remittance application after receiving the request for remittance application sent by the client side of the payee. And generating a corresponding remittance order according to the remittance amount and the remittance information contained in the remittance application request.
Wherein the remittance order declares a remittance amount, remitter information and recipient information.
The remittance amount, the remitter information and the recipient information are data in a remittance application request initiated by the recipient.
After the service generates the money transfer order, the service sends the money transfer order to the money transfer party according to the money transfer information.
In one embodiment, the service end can also perform security check on the remitter information and the payee information specified in the remittance information;
and then, when the remitter information and the payee information both pass the security check, generating a remittance order corresponding to the remittance application request.
The security check as shown in fig. 2 may include KYC check (Know your customer, fully aware of your customers) and AML check (Anti-Money laudering). The account of the sender and the receiver is subjected to various examinations through KYC check, and the legality of the fund sources of the sender and the receiver is known. Whether the money transfer activity is a money laundering activity is determined by AML review.
Step 150: the client of the remitter receives a remittance order generated by the server based on the remittance application request initiated by the remitter.
Step 160: the client of the remitter sends the remittance confirmation request to the server in response to the remittance confirmation request for the remittance order initiated by the remitter.
The client of the remitter may be an APP (application) on software corresponding to a service providing remittance service, such as an APP of a mobile banking or an electronic wallet. The client of the transferor is essentially the same as the client of the transferee.
As shown in fig. 2, the APP receives and displays the remittance order issued by the server. After the remitter checks that there is no problem with the contents of the remittance order in the application APP, the remittance can confirm and pay on the application APP. The application APP generates a money transfer confirmation request in response to the remitter confirming the money transfer order and sends the money transfer confirmation request to the service.
Step 170: and the service end responds to a remittance confirmation request for the remittance order initiated by the remittance party, and transfers funds from the account of the remittance party to the account of the remittance party according to the remittance amount.
After receiving the remittance confirmation request sent by the client of the remitter, the server can transfer funds from the account of the remitter corresponding to the remitter information to the account of the receiver corresponding to the receiver information according to the remittance amount, the remitter information and the receiver information declared by the remittance order.
In one embodiment, the transferor may re-edit and modify the money transfer amount, money transfer information in the money transfer order. For example, if the remittance amount and the remittance information input by the remitter are wrong, the remitter may correct the remittance amount and the remitter information; thereby avoiding the need to initiate a remittance again after the termination of the remittance.
Accordingly, since the transferor modified the money transfer amount, money transfer information; therefore, the remittance confirmation request to be initiated needs to include the remittance confirmation amount (modified remittance amount) and remittance confirmation information (modified transferee information) confirmed by the transferor. It is worth mentioning that if the remittance amount is not modified, the remittance confirmation amount remains the original remittance amount; likewise, if the money transfer information is not modified, the money transfer confirmation information is also the original money transfer information.
After receiving the remittance confirmation request, the service end responds to the remittance confirmation request and carries out security check on remitter information and payee information appointed in the remittance confirmation information;
and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
Similarly, since the remittance amount and the remitter information related to the remittance of the current time are changed, the result of the security check on the remittance application request is invalid before, and the service end may perform the security check on the remitter information and the remittance confirmation information confirmed by the remitter included in the remittance confirmation request again. Wherein the security check may comprise a KYC check and/or an AML check. With the above embodiments, the money transfer may be initiated by the transferee and performed after confirmation by the transferor. This may avoid the problem of the transferor intentionally delaying the money transfer.
An embodiment of the method mainly based on the server in the present specification is described below with reference to fig. 3, and the embodiment may correspond to fig. 1:
step 310: responding to a remittance application request initiated by a payee, and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
the server may be a server providing remittance services, a cluster of servers, or a cloud platform built from a cluster of servers.
The server side responds to the request for remittance application after receiving the request for remittance application sent by the client side of the payee. And generating a corresponding remittance order according to the remittance amount and the remittance information contained in the remittance application request.
Wherein the remittance order declares a remittance amount, remitter information and recipient information.
The remittance amount, the remitter information and the recipient information are data in a remittance application request initiated by the recipient.
In one embodiment, the service end can also perform security check on the remitter information and the payee information specified in the remittance information;
and after the sender information and the receiver information pass the security check, generating a remittance order corresponding to the remittance application request.
The security check as shown in fig. 2 may include KYC check (Know your customer, fully aware of your customers) and AML check (Anti-Money laudering). The account of the sender and the receiver is subjected to various examinations through KYC check, and the legality of the fund sources of the sender and the receiver is known. Whether the money transfer activity is a money laundering activity is determined by AML review.
Step 320: sending the remittance order to a remittance party according to remittance party information designated in the remittance information;
after the service generates the money transfer order, the service sends the money transfer order to the money transfer party according to the money transfer information specified in the money transfer information.
Step 330: transferring funds of the money transfer amount in the money transfer account to the recipient account in response to a money transfer confirmation request initiated by the money transfer after determining the money transfer order.
After receiving the remittance confirmation request sent by the client of the remitter, the server can transfer funds from the account of the remitter corresponding to the remitter information to the account of the receiver corresponding to the receiver information according to the remittance amount, the remitter information and the receiver information declared by the remittance order.
In one embodiment, the transferor may re-edit and modify the money transfer amount, money transfer information in the money transfer order. For example, if the remittance amount and the remittance information input by the remitter are wrong, the remitter may correct the remittance amount and the remitter information; thereby avoiding the need to initiate a remittance again after the termination of the remittance.
Accordingly, since the transferor modified the money transfer amount, money transfer information; therefore, the remittance confirmation request to be initiated needs to include the remittance confirmation amount (modified remittance amount) and remittance confirmation information (modified transferee information) confirmed by the transferor.
It is worth mentioning that if the remittance amount is not modified, the remittance confirmation amount remains the original remittance amount; likewise, if the money transfer information is not modified, the money transfer confirmation information is also the original money transfer information.
After receiving the remittance confirmation request, the service end responds to the remittance confirmation request and carries out security check on remitter information and payee information appointed in the remittance confirmation information;
and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
Similarly, since the remittance amount and the remitter information related to the remittance of the current time are changed, the result of the security check on the remittance application request is invalid before, and the service end may perform the security check on the remitter information and the remittance confirmation information confirmed by the remitter included in the remittance confirmation request again. Wherein the security check may comprise a KYC check and/or an AML check. With the above embodiments, the money transfer may be initiated by the transferee and performed after confirmation by the transferor. This may avoid the problem of the transferor intentionally delaying the money transfer.
The following method embodiment of the present specification is mainly based on the client of the payee, and may correspond to fig. 1:
responding to the remittance amount and the remittance information input by the receiver, and generating a remittance application request comprising the remittance amount and the remittance information;
sending the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a remittance party according to remittance party information appointed in the remittance information; and transferring the funds of the money transfer amount in the money transfer account to the money receiving account in response to a money transfer confirmation request initiated by the money transfer after the money transfer order is determined.
The client of the payee may be an APP on software corresponding to the service providing the remittance service, such as an APP of a mobile phone bank or an APP of an electronic wallet.
A schematic diagram of a money transfer execution system as shown in fig. 2, using APP as an example. The system in fig. 2 includes a server, an application APP of a receiver, and an application APP of a sender.
The transferee may fill out the money transfer amount and the money transfer information on the APP. The money transfer information includes transferee information and transferor information. The account of the transferee and the account of the transferor can be uniquely determined by the money transfer information.
The money transfer information may also be different for different money transfer approaches.
For example, in the case of money transfer using a bank card, the transferee information and the transferor information may refer to a bank card number and a card holder name.
For example, when an electronic wallet is used for transferring money, the payee information and the transferor information may refer to an electronic wallet account (e.g., an electronic mailbox, a mobile phone number, etc.).
The APP responds to the remittance amount and the remittance information filled by the payee to generate a remittance application request containing the remittance amount and the remittance information; and sending to the server.
The following method embodiment of the present specification, which may correspond to fig. 1, is based on a client of a transferor:
receiving a remittance order generated by a remittance application request initiated by a service end on the basis of a payee; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and responding to a remittance confirmation request generated after the remittance order is confirmed by the remitter, sending the remittance confirmation request to the service end, and enabling the service end to transfer the fund of the remittance amount in the remitter account to the payee account in response to the remittance confirmation request.
The client of the remitter may be an APP on software corresponding to the service providing remittance service, such as an APP of a mobile phone bank, an APP of an electronic wallet, and the like. The client of the transferor is essentially the same as the client of the transferee.
As shown in fig. 2, the APP receives and displays the remittance order issued by the server. After the remitter checks that there is no problem with the contents of the remittance order in the application APP, the remittance can confirm and pay on the application APP. The application APP generates a money transfer confirmation request in response to the remitter confirming the money transfer order and sends the money transfer confirmation request to the service.
In one embodiment, the transferor may re-edit and modify the money transfer amount and transferee information in the money transfer order. For example, if the remittance amount and the remittance information input by the remitter are wrong, the remitter may correct the remittance amount and the remitter information; thereby avoiding the need to initiate a remittance again after the termination of the remittance.
Accordingly, the remitter modifies the remittance amount and the information of the receiver; therefore, the initiated remittance confirmation request needs to include the remittance confirmation amount (modified remittance amount) confirmed by the remitter and remittee confirmation information (modified remittee information).
In accordance with the money transfer execution method embodiments described above, embodiments of money transfer execution apparatus are also provided. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. The software implementation is taken as an example, and as a logical device, the device is formed by reading corresponding computer business program instructions in the nonvolatile memory into the memory for operation through the processor of the device in which the device is located. From a hardware aspect, as shown in fig. 4, the hardware structure of the apparatus for performing remittance according to this specification is shown in fig. 4, except for the processor, the network interface, the memory and the nonvolatile memory shown in fig. 4, the apparatus in the embodiment usually performs an actual function according to remittance, and may further include other hardware, which is not described again.
Referring to fig. 5, a block diagram of a money transfer execution apparatus according to one embodiment of the present disclosure, the apparatus corresponding to the embodiment of fig. 3, includes:
the response unit 510, responding to the remittance application request initiated by the recipient, generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
a sending unit 520 for sending the remittance order to a designated remittance party according to the remittance information;
and an execution unit 530, responsive to the remittance confirmation request for the remittance order initiated by the remitter, transferring funds from the remitter account to the transferee account by the remittance amount.
Optionally, the response unit 510 includes:
the checking subunit is used for responding to a remittance application request initiated by a remitter and carrying out security check on remitter information and payee information appointed in the remittance information;
and the generating subunit is used for generating a remittance order corresponding to the remittance application request when the remittance party information and the receiving party information pass the security check.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the execution unit 530 includes:
the response subunit is used for responding to a remittance confirmation request initiated by the remitter for the remittance order, and performing security check on remitter information and payee information specified in the remittance confirmation information;
and the execution subunit transfers funds from the account of the sender to the account of the receiver according to the remittance confirmation amount after the remitter information and the receiver information pass the security check.
Optionally, the security check includes: KYC exam and/or AML exam.
On the other hand, an embodiment of the present specification further provides a remittance execution apparatus corresponding to the method embodiment in which the receiving party client is used as an execution subject, the apparatus including:
the response unit is used for responding to the remittance amount and the remittance information input by the receiver and generating a remittance application request containing the remittance amount and the remittance information;
the execution unit sends the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a designated remittance party according to the remittance information; and the service end responds to a remittance confirmation request which is initiated by the remittance party and aims at the remittance order, and funds are transferred from the account of the remittance party to the account of the remittance party according to the remittance amount.
In another aspect, an embodiment of the present disclosure further provides a money transfer execution apparatus corresponding to the above-mentioned method embodiment in which a client of a money transfer is used as an execution subject, the apparatus including:
the receiving unit is used for receiving a remittance order generated by the server based on a remittance application request initiated by a receiver; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and the response unit is used for responding to a remittance confirmation request which is initiated by a remitter and aims at the remittance order, sending the remittance confirmation request to the service end, so that the service end responds to the remittance confirmation request and transfers funds from the account of the remitter to the account of the payee according to the remittance amount.
Optionally, the remittance confirmation request comprises a remittance confirmation amount and remittance confirmation information;
the response unit includes:
sending the remittance confirmation request to the service end in response to a remittance confirmation request which is initiated by a remitter and generated after the remittance order, so that the service end performs security check on remittance information and payee information specified in the remittance confirmation information in response to the remittance confirmation request; after the transferor information and the transferee information both pass the security check, transferring funds from the account of the transferor to the account of the transferee according to the money transfer confirmation.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
The implementation process of the functions and actions of each unit in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.
The remittance execution apparatus described above has the internal functional modules and the structural schematic, and the execution body may be an electronic device, including:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to perform an embodiment of a money transfer execution method as in any above.
In the above embodiments of the electronic device, it should be understood that the Processor may be a Central Processing Unit (CPU), other general-purpose processors, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. The general-purpose processor may be a microprocessor, or the processor may be any conventional processor, and the aforementioned memory may be a read-only memory (ROM), a Random Access Memory (RAM), a flash memory, a hard disk, or a solid state disk. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware processor, or in a combination of the hardware and software modules of the processor.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the embodiment of the electronic device, since it is substantially similar to the embodiment of the method, the description is simple, and for the relevant points, reference may be made to part of the description of the embodiment of the method.
Other embodiments of the present disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the embodiments disclosed herein. This specification is intended to cover any variations, uses, or adaptations of the specification following, in general, the principles of the specification and including such departures from the present disclosure as come within known or customary practice within the art to which the specification pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the specification being indicated by the following claims.
It will be understood that the present description is not limited to the precise arrangements described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present description is limited only by the appended claims.
Claims (11)
1. A money transfer execution method, the method comprising:
responding to a remittance application request initiated by a payee, and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
sending the remittance order to a designated remittance party according to the remittance information;
and in response to a remittance confirmation request initiated by the remittance party for the remittance order, transferring funds from the account of the remittance party to the account of the remittance party according to the remittance amount.
2. The method of claim 1, prior to generating a money transfer order corresponding to the money transfer application request, further comprising:
performing security check on remitter information and payee information designated in the remittance information;
the generating a remittance order corresponding to the remittance application request comprises:
and after the sender information and the receiver information pass the security check, generating a remittance order corresponding to the remittance application request.
3. The method of claim 1 wherein the money transfer confirmation request comprises a money transfer confirmation amount and money transfer confirmation information;
the transferring funds from the account of the transferor to the account of the transferee according to the money transfer amount includes:
performing security check on the sender information and the receiver information designated in the remittance confirmation information;
and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
4. The method of claim 2 or 3, the security check comprising: KYC exam and/or AML exam.
5. A money transfer execution method, the method comprising:
responding to the remittance amount and the remittance information input by the receiver, and generating a remittance application request comprising the remittance amount and the remittance information;
sending the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a designated remittance party according to the remittance information; and the service end responds to a remittance confirmation request which is initiated by the remittance party and aims at the remittance order, and funds are transferred from the account of the remittance party to the account of the remittance party according to the remittance amount.
6. A money transfer execution method, the method comprising:
receiving a remittance order generated by a remittance application request initiated by a service end on the basis of a payee; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and in response to a remittance confirmation request initiated by the remitter for the remittance order, sending the remittance confirmation request to the service end, so that the service end transfers funds from the account of the remitter to the account of the payee according to the remittance amount in response to the remittance confirmation request.
7. The method of claim 6 wherein the money transfer confirmation request comprises a money transfer confirmation amount and money transfer confirmation information;
the transferring funds from the account of the transferor to the account of the transferee according to the money transfer amount includes:
performing security check on the sender information and the receiver information designated in the remittance confirmation information; and after the sender information and the receiver information pass the security check, transferring funds from the account of the sender to the account of the receiver according to the remittance confirmation amount.
8. A money transfer execution apparatus, the apparatus comprising:
the response unit is used for responding to a remittance application request initiated by a payee and generating a remittance order corresponding to the remittance application request; wherein the request for money transfer includes a money transfer amount and money transfer information;
a sending unit for sending the remittance order to a designated remittance party according to the remittance information;
and the execution unit is used for responding to a remittance confirmation request initiated by the remittance party and aiming at the remittance order, and transferring funds from the account of the remittance party to the account of the receiving party according to the remittance amount.
9. A money transfer execution apparatus, the apparatus comprising:
the response unit is used for responding to the remittance amount and the remittance information input by the receiver and generating a remittance application request containing the remittance amount and the remittance information;
the execution unit sends the remittance application request to a service end so that the service end responds to the remittance application request to generate a remittance order corresponding to the remittance application request and sends the remittance order to a designated remittance party according to the remittance information; and the service end responds to a remittance confirmation request which is initiated by the remittance party and aims at the remittance order, and funds are transferred from the account of the remittance party to the account of the remittance party according to the remittance amount.
10. A money transfer execution apparatus, the apparatus comprising:
the receiving unit is used for receiving a remittance order generated by the server based on a remittance application request initiated by a receiver; wherein, the remittance order comprises the remittance amount and the remittance information determined by the payee;
and the response unit is used for responding to a remittance confirmation request which is initiated by a remitter and aims at the remittance order, sending the remittance confirmation request to the service end, so that the service end responds to the remittance confirmation request and transfers funds from the account of the remitter to the account of the payee according to the remittance amount.
11. An electronic device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured as the method of any of the preceding claims 1-7.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010444273.0A CN111612608A (en) | 2020-05-22 | 2020-05-22 | Remittance execution method and device and electronic equipment |
| PCT/IB2021/054407 WO2021234649A1 (en) | 2020-05-22 | 2021-05-21 | Remittance method and apparatus, and electronic device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010444273.0A CN111612608A (en) | 2020-05-22 | 2020-05-22 | Remittance execution method and device and electronic equipment |
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| CN111612608A true CN111612608A (en) | 2020-09-01 |
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| CN202010444273.0A Pending CN111612608A (en) | 2020-05-22 | 2020-05-22 | Remittance execution method and device and electronic equipment |
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| WO (1) | WO2021234649A1 (en) |
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| CN113436000A (en) * | 2021-06-24 | 2021-09-24 | 中国工商银行股份有限公司 | Remittance processing method, remittance processing apparatus, electronic device, and readable storage medium |
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| WO2021234649A1 (en) | 2021-11-25 |
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