CN112766957A - Cross-border digital payment method and domestic bank server - Google Patents
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Abstract
The invention relates to the field of finance, in particular to a cross-border digital payment method and an domestic bank server, which relate to the field of finance, and are used for receiving a digital payment order request sent by a domestic agent client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; the digital payment information is sent to an overseas acquiring bank server, and then an entity account can be mapped into a plurality of digital accounts, so that the problem that the existing cross-border remittance and the ordinary international business card cannot meet the diversification and personalized actual requirements of large enterprises such as tourism, education, e-commerce and the like at present is solved, the customer experience is improved, more enterprise customers are obtained for banks in industries such as online tourism, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of income of intermediate business is forcefully promoted.
Description
Technical Field
The invention relates to the field of payment processing, in particular to a cross-border digital payment method and an in-border bank server.
Background
With the rapid development of the internet and mobile communication technology, the demand of people for facilitating payment is continuously enhanced, and internet payment gradually becomes the mainstream. At present, functions and prices of enterprises such as tourism, education, E-commerce and the like which pay original cross-border remittance across borders cannot meet diversified and personalized actual demands, taking the tourism industry as an example, annual transaction amount of the whole market of domestic online tourism enterprises such as journey, cattle on the way and the like is about 700 hundred million dollars, wherein cross-border transaction amount is about 40 hundred million dollars, most of the cross-border transaction amount is wire transfer transaction, account arrival time is long, cost is high, efficiency is low, and certain fraud risk exists. However, the current international business cards of double currency or multiple currencies issued by various banks cannot completely meet the cross-border payment requirements of the travel enterprises, for example, a travel agency A has a single overseas travel group which needs to pay air tickets and hotel expenses, the travel group selects an airline company and a hotel to generate order information and pay at a website A, the A receives the order and the expense and sends a payment request to an domestic bank server, and the domestic bank server finishes the payment of the order form to the overseas airline company and the hotel in a mode of buying the money and transferring the money. In this process, travel agency a has several appeal:
1) automatically purchasing remittance and completing order payment
2) Avoiding payment by transfer mode and not occupying foreign exchange limit of enterprise
3) And the payment risk in the cross-border purchasing process is reduced
4) Providing clear account checking list for upstream and downstream transaction
If the number of the transaction of the travel agency A in one day exceeds 10 thousands, the transaction fund is huge, only one or a small number of common international business cards are used for payment, the optical reconciliation process cannot meet the demand, and particularly the abnormal order condition occurs. Therefore, a new cross-border payment solution is needed, which can assist the travel agency to quickly complete cross-border payment according to the rule of "one single mark" and meet all the requirements.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a cross-border digital payment method and an in-border bank server, which can at least partially solve the problems in the prior art.
In one aspect, a cross-border digital payment method is executed by an intraborder bank server and comprises the following steps:
receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
In a preferred embodiment, further comprising:
and sending application requests of a plurality of digital cards corresponding to the entity cards to the card organization server so that the card organization server generates the plurality of digital cards.
In a preferred embodiment, the performing payment operation on each sub-digital payment request by using a plurality of digital cards comprises:
checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and if the number is higher than the preset value, the digital card is used for payment aiming at the digital payment request, and the digital payment information is generated.
In a preferred embodiment, further comprising:
and receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
In another aspect, an intraband banking server for cross-border digital payment comprises:
the receiving module is used for receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
the payment module is used for carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the sending module is used for sending the digital payment information to an overseas acquirer server so as to update the balance information of the entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
In a preferred embodiment, further comprising:
and the digital card application module is used for sending application requests of a plurality of digital cards corresponding to the entity cards to the card organization server so that the card organization server generates the plurality of digital cards.
In a preferred embodiment, the payment module comprises:
the checking unit is used for checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and the payment unit is used for paying by using the digital card according to the digital payment request and generating the digital payment information if the payment is higher than the payment request.
In a preferred embodiment, further comprising:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
In yet another aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the cross-border digital payment method according to any one of the above embodiments.
In yet another aspect, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the cross-border digital payment method according to any one of the above embodiments.
According to the cross-border digital payment method and the domestic bank server provided by the embodiment of the invention, the payment operation is carried out on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; the plurality of digital cards correspond to the entity cards of the domestic agent client side, and then one entity account can be mapped into the plurality of digital accounts, so that the problem that the existing cross-border remittance and common international business cards cannot meet the diversification and personalized actual requirements of large enterprises such as tourism, education, e-commerce and the like at present is solved, the customer experience is improved, more enterprise customers are obtained for the industries such as online tourism, aviation and the like of banks, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of income of intermediate business is forcefully promoted.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic flow chart of a cross-border digital payment method according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of a cross-border digital payment system architecture according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of an intraband bank server for realizing cross-border digital payment according to another embodiment of the present invention.
Fig. 4 is a schematic physical structure diagram of an electronic device according to yet another embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
The invention provides a cross-border digital payment system and a cross-border digital payment method. The system of the invention comprises an internal part and an external part, wherein the internal part comprises an internal agent client (an enterprise, such as a travel agency A) and an internal bank server; the overseas part includes overseas acquirers, international financial service certification organizations, overseas service providers. The international financial service certification organization has a business digital conversion platform, and can map one entity account into a plurality of digital accounts. The user of the system, namely the domestic agent client (enterprise), applies for the transaction of business entity account from the domestic bank server, converts the entity account into a plurality of digital accounts through the international financial service authentication organization, and then completes the processes of ordering, paying and the like to the overseas service provider through each digital account, wherein the domestic bank server also provides services of cross-border fund conversion service, daily account checking and the like for the domestic agent client (enterprise). The invention provides a safe and efficient payment scheme for enterprises on the premise of meeting the bank supervision requirements, and can optimize the enterprise financial management and improve the fund use efficiency.
The invention relates to the field of finance, in particular to cross-border digital payment.
Fig. 1 is a schematic flow chart of a cross-border digital payment method according to an embodiment of the present invention, and as shown in fig. 1, the cross-border digital payment method according to the embodiment of the present invention includes:
s101, receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
specifically, in the present invention, the home bank server is a banking institution that issues a physical card, the home agent client is a terminal of a paying client that pays through the home bank server, and taking a travel agency a as an example, the travel agency a is a home agent client that needs to perform an agent reservation service for an air ticket accommodation of each visitor, and the like, where a plurality of payment orders of each visitor are involved, and the visitor terminal is a home client.
In the practical scenario shown above, step S101 is specifically that the domestic banking institution receives a request (including a plurality of payment sub-requests, for example, 10 tickets are purchased, etc.) for a digital payment order from a travel agency a. It will be appreciated that in the embodiment of a travel agency, the digital payment request of the present invention is made from payment information for all guests, for example 10 guests purchased 10 round trip tickets, and the digital payment request includes a round trip ticket payment request for each guest.
S102, carrying out payment operation on each sub-digital payment request by using a plurality of digital cards to obtain digital payment information;
specifically, the digital card is a virtual card corresponding to an entity card actually registered by the domestic bank server, and when the digital card is actually used, a card issuer converts one entity card into one or a group of digital credit cards consisting of information such as digital card numbers, security codes, validity periods and the like according to a certain one-to-many generation rule. The card issuer stores and manages the corresponding relationship between the entity card and the digital card.
S103, sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
Specifically, the acquirer server is an overseas part, converts sufficient RMB funds stored therein into foreign currency funds, and pays for an order.
According to the cross-border digital payment method provided by the embodiment of the invention, the payment operation is carried out on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; the plurality of digital cards correspond to the entity cards of the domestic agent client side, and then one entity account can be mapped into the plurality of digital accounts, so that the problem that the existing cross-border remittance and common international business cards cannot meet the diversification and personalized actual requirements of large enterprises such as tourism, education, e-commerce and the like at present is solved, the customer experience is improved, more enterprise customers are obtained for the industries such as online tourism, aviation and the like of banks, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of income of intermediate business is forcefully promoted.
The following examples illustrate:
step S501: the travel agent A applies for a common business entity credit card with foreign currency limit and RMB limit to an internal bank server, and the internal bank server provides the travel agent A with an entity business card with home currency and foreign currency limit, wherein the entity business card has the functions of cash taking, consumption and the like.
Step S502: the travel agency A applies for a digital card from a business digital card platform of VISA international card organization;
step S503: the VISA international card organization generates a digital card and returns the digital card to the travel agency A;
step S504: the travel agency A submits an order to the overseas hotel, the digital card is used for payment through the in-border bank server, and the overseas hotel sends the payment information of the digital card to an acquiring bank;
step S505: the acquirer sends the payment information of the digital card to the VISA international card organization;
step S506: after the VISA international card organization verifies and does not have errors according to the preset conditions of the virtual card, the entity card information and the authorization request corresponding to the virtual card are sent to an domestic bank server;
step S507: the domestic bank server authorizes the authorization request sent by the VISA international card organization, the authorization process comprises checking the validity of the card information of the entity card, checking the card, the account state and the like, and meanwhile, the step S508 is entered to check whether the amount of money of the order exceeds the available balance of the account.
Step S508: the domestic bank server checks whether the amount of the order exceeds the available balance of the account. Firstly, judging whether the balance of the foreign currency account is enough, if so, using the balance of the foreign currency account to pay the order. If not, judging whether the foreign currency amount is enough, if so, using the foreign currency amount to overdraft and pay; if the balance of the RMB account is insufficient, whether the balance of the RMB account is enough or not is judged, whether a real-time money purchasing switch is opened for the entity card by the travel agency A or not is judged, and if the balance is enough and the switch is opened, the RMB account is used for purchasing money in real time to complete order payment. If the order is insufficient or the switch is off, the order payment fails and the transaction exits.
Step S509: the domestic bank server completes the authorization of the entity card;
step S510: the VISA international card organization sends the entity card, the virtual card and the clearing information to an domestic bank server together;
step S511: the domestic bank server completes the clearing process;
step S512: the domestic bank server sends the information of the physical card number and the virtual card number, the real-time exchange rate, the exchange rate of the purchased money and the repayment rate and the like generated by each order to the travel agency A for reconciliation.
More specifically, as shown in fig. 2, an embodiment of the system for digital payment across the border is shown, in which the interior comprises an interior bank server, a travel agency a; the offsite portion includes an acquirer, VISA international card organization, overseas hotel/airport, etc.
The domestic bank server provides a VISA business entity card (step S501) to the system user, namely the travel agency A, wherein the VISA business entity card has a RMB account and a foreign currency account and is not different from a common business card issued by a bank.
After the said travel agency A receives the order such as the customer booking the overseas hotel/air ticket, etc., through the business digital card platform 10 of VISA international card organization, apply for the business digital card under VISA business entity card (step S502);
the VISA international card organization generates and returns a business digital card through its business digital card platform 10 according to the demand of the travel agency (step S503).
The travel agency a places an order to the overseas hotel/airport, etc. through the business digital card (step S504).
The overseas hotel/airport sends the transaction information of the business digital card to the acquirer (step S504), and the acquirer sends the receipt information of the business digital card to the VISA international card organization for authorization and settlement (step S505).
The VISA international card organization replaces the business digital card number with the corresponding business entity card number and then sends the authorization and settlement file to the domestic bank server (step S506 and step S510). The actual physical card number is never transmitted to the vendor during the entire transaction.
The domestic bank server authorizes the transaction according to the current VISA entity card authorization and clearing rules (steps S507, S508, S509) and clears the transaction (step S511), and in the authorization process, if the entity card foreign currency fund reserve is insufficient, the domestic bank server can provide cross-border fund conversion service (step S508), namely, the sufficient reserved RMB fund is converted into the foreign currency fund, and order payment is carried out.
The domestic bank server generates a reconciliation file from the transaction information generated by the business entity card and the business virtual card every day, and provides the reconciliation file to the travel agency A (step S512).
On the basis of the above embodiments, further, the cross-border digital payment method provided by the embodiment of the present invention further includes:
s104, sending application requests of a plurality of digital cards corresponding to the entity cards to the card organization server so that the card organization server generates the plurality of digital cards.
On the basis of the above embodiments, further, the cross-border digital payment method provided by the embodiment of the present invention further includes:
s105, receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
On the basis of the foregoing embodiments, further, the performing a payment operation on each sub-digital payment request by using multiple digital cards includes:
checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and if the number is higher than the preset value, the digital card is used for payment aiming at the digital payment request, and the digital payment information is generated.
It can be understood that the present invention has the following effects:
1. for a bank system, the customer experience can be improved, more enterprise customers can be obtained in industries such as online tourism, aviation and the like, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of income of intermediate business is forcefully promoted.
2. The domestic agent client (enterprise) acquires the price of a wholesale channel by purchasing and integrating upstream resources in a centralized way and purchasing and breaking sales of overseas service providers (such as overseas airlines and hotels), then packages and integrates all the resources into a tourist product (such as a tourist product), and carries out large-scale retail, and by means of a 'single mark (digital card number)' rule of digital payment, the enterprise can automatically define the using mode, the using position and the using time of a digital card, thereby realizing flexible, simple, safe and efficient global payment, and can also butt up the ERP system of the enterprise and a digital card platform to automatically generate the digital card, realize multi-batch payment and automatic account checking, and effectively manage the finance of the enterprise.
3. For domestic agent clients, namely enterprises such as travel agencies, through cross-border digital payment, the payable turnover days of the enterprises can be improved, the capital cost of the enterprises is reduced, and the cash flow of the enterprises is increased. Particularly, by means of the domestic bank server, namely the automatic money purchasing and balance adjusting functions of the domestic bank server, the RMB reserve can be used in real time under the condition that the foreign money reserve of the enterprise is insufficient, and the problems of exchange of money in advance and backlog of foreign money of the enterprise are effectively solved.
Fig. 3 is a schematic structural diagram of an intra-banking server for implementing cross-border digital payment according to another embodiment of the present invention, and as shown in fig. 3, the intra-banking server for implementing cross-border digital payment according to the embodiment of the present invention includes:
the receiving module 1 is used for receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
the payment module 2 is used for carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the sending module 3 is used for sending the digital payment information to an overseas acquirer server so as to update the balance information of the entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
On the basis of the above embodiments, the method further includes:
the application module sends an application request of a plurality of digital cards corresponding to the entity card to the card organization server so that the card organization server generates the plurality of digital cards.
On the basis of the above embodiments, further, the payment module includes:
the checking unit is used for checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and the payment unit is used for paying by using the digital card according to the digital payment request and generating the digital payment information if the payment is higher than the payment request.
On the basis of the above embodiments, the method further includes:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
The cross-border digital in-transit bank server provided by the embodiment of the invention obtains digital payment information by carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; the plurality of digital cards correspond to the entity cards of the domestic agent client side, and then one entity account can be mapped into the plurality of digital accounts, so that the problem that the existing cross-border remittance and common international business cards cannot meet the diversification and personalized actual requirements of large enterprises such as tourism, education, e-commerce and the like at present is solved, the customer experience is improved, more enterprise customers are obtained for the industries such as online tourism, aviation and the like of banks, and the market share of bank business card products is improved. Meanwhile, the rapid increase of bank consumption, especially overseas consumption, is promoted, and the increase of income of intermediate business is forcefully promoted.
Fig. 4 is a schematic physical structure diagram of an electronic device according to another embodiment of the present invention, and as shown in fig. 4, the electronic device may include: a processor (processor)1201, a communication Interface (Communications Interface)1202, a memory (memory)1203 and a communication bus 1204, wherein the processor 1201, the communication Interface 1202 and the memory 1203 communicate with each other through the communication bus 1204. The processor 1201 may call logic instructions in the memory 1203 to perform the following method: receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
In addition, the logic instructions in the memory 1203 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client; carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information; sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A cross-border digital payment method is executed by an domestic bank server and comprises the following steps:
receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
sending the digital payment information to an overseas acquirer server to update balance information of an entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
2. The cross-border digital payment method of claim 1, further comprising:
sending an application request of a plurality of digital cards corresponding to the entity card to a card organization server so that the card organization server generates the plurality of digital cards.
3. The cross-border digital payment method according to claim 1, wherein the performing payment operation on each sub-digital payment request by using a plurality of digital cards comprises:
checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and if the number is higher than the preset value, the digital card is used for payment aiming at the digital payment request, and the digital payment information is generated.
4. The cross-border digital payment method of claim 3, further comprising:
and receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server, and checking the payment operation.
5. An intraband banking server for cross-border digital payments, comprising:
the receiving module is used for receiving a digital payment order request sent by an agent client in the environment; the digital payment order request comprises a sub-digital payment request for each domestic client;
the payment module is used for carrying out payment operation on each sub-digital payment request by utilizing a plurality of digital cards to obtain digital payment information;
the sending module is used for sending the digital payment information to an overseas acquirer server so as to update the balance information of the entity card of the domestic agent client; wherein, a plurality of digital cards correspond to the entity cards of the domestic agent client.
6. An domestic banking server as claimed in claim 5, further comprising:
the application module sends an application request of a plurality of digital cards corresponding to the entity card to the card organization server so that the card organization server generates the plurality of digital cards.
7. An domestic banking server as claimed in claim 5, wherein said payment module comprises:
the checking unit is used for checking whether the account available balance, the foreign currency amount and the domestic currency amount of the corresponding entity card are all higher than the amount to be paid in the digital payment order request;
and the payment unit is used for paying by using the digital card according to the digital payment request and generating the digital payment information if the payment is higher than the payment request.
8. An domestic banking server as claimed in claim 7, further comprising:
and the checking module is used for receiving the digital payment information, the entity card number and the digital card number sent by the acquirer server and checking the payment operation.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 4 are implemented when the computer program is executed by the processor.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 4.
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| CN112766957B (en) | 2024-02-23 |
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