Disclosure of Invention
The embodiment of the application aims to provide a cross-border transaction data processing method and system; the method accelerates the account opening process of the cross-border merchant, avoids repeated preparation of the merchant preparation data, and reduces the workload of domestic banks.
In order to solve the above technical problem, an embodiment of the present application provides a data processing method for cross-border transaction, which adopts the following technical solutions:
a data processing method for cross-border transactions, comprising the steps of:
receiving and storing account opening data of the cross-border account transmitted by the internal bank electronic system through the first transmission interface;
extracting merchant information from the account opening data to match an account opening audit request initiated by the cross-border organization electronic system;
transmitting the merchant information to the cross-border mechanism electronic system through a second transmission interface so as to enable the cross-border mechanism electronic system to complete account opening verification;
when acquiring the merchant account opening success information fed back by the cross-border mechanism electronic system, sending an account opening success notice of the cross-border account to the in-border bank electronic system;
when a cross-border remittance request of the domestic bank electronic system is received, acquiring a cross-border remittance amount from the cross-border remittance request;
obtaining a primary account balance of the cross-border account from the cross-border agency electronic system and comparing the primary account balance with the remittance amount;
if the balance of the main account is larger than or equal to the remittance amount, sending the cross-border remittance request to the cross-border institution electronic system;
when obtaining the remittance success information fed back by the cross-border institution electronic system, sending a transfer success notice to the domestic bank electronic information system;
sending a fund collection transfer request to the electronic system of the cross-border institution according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to a main account in a unified manner;
and synchronously inquiring the transfer condition or asynchronously receiving the transfer state information.
Further, the step of sending a fund collection transfer request to the cross-border institution electronic system according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to a main account in a unified manner comprises the following steps: and determining whether the cross-border institution electronic system regularly transfers funds, and if the cross-border institution electronic system does not regularly transfer funds, regularly sending a fund collection transfer request to the cross-border institution electronic system so as to uniformly transfer funds in different sub-accounts in one country to a main account.
Further, the step of sending a fund collection transfer request to the cross-border institution electronic system according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to a main account in a unified manner comprises the following steps: determining whether the cross-border institution electronic system regularly performs fund collection and transfer, and if the cross-border institution electronic system does not regularly perform fund collection and transfer, setting a fund threshold value;
comparing the balance of the cross-border account with a preset fund threshold in real time;
and when the balance of the cross-border account is greater than a preset fund threshold value, sending a fund collection transfer request to the cross-border institution electronic system so as to transfer funds in different sub-accounts in one country to a main account in a unified manner.
Further, before the step of obtaining a primary account balance of the cross-border account from the cross-border agency electronic system and comparing the primary account balance with the money transfer amount, the method includes: and obtaining the authority for inquiring the balance of the main account of the cross-border mechanism electronic system through identity verification according to the identity password provided by the cross-border mechanism electronic system.
Further, when the merchant account opening success information fed back by the cross-border institution electronic system is obtained, the step of sending an account opening success notification of the cross-border account to the domestic bank electronic system includes: when acquiring the successful account opening information of the merchant represented by the foreign language or the identification fed back by the cross-border mechanism electronic system, recognizing and converting the foreign language or the identification into the domestic language, and sending an account opening success notice of the cross-border account represented by the domestic language to the domestic bank electronic system.
Further, after the steps of obtaining a primary account balance of the cross-border account from the cross-border institution electronic system and comparing the primary account balance with the money transfer amount, the method further comprises: and if the balance of the main account is less than the remittance amount, sending a request for re-inputting the remittance amount to the electronic system of the domestic bank.
Further, before the step of synchronously inquiring the transfer condition or asynchronously receiving the transfer state information, the method further comprises the following steps: and creating a running record of the transfer request so as to record the transfer request.
Further, the account opening data comprises first account opening data and second account opening data;
the step of receiving and storing the account opening data transmitted by the internal bank electronic system through the first transmission interface comprises the following steps:
receiving an account opening request sent by an electronic system of an domestic bank through a first transmission interface, wherein the account opening request carries first account opening data, a visitor identity and a certificate identity, and the first account opening data is a cipher text signed through a private key;
the visitor identity and the certificate identity carried in the domestic bank electronic system request are extracted, a public key corresponding to the domestic bank electronic system is obtained through the visitor identity and the certificate identity carried in the account opening request, and the public key is used for decrypting a ciphertext generated by the private key so as to verify the identity of the domestic bank electronic system;
and if the identity authentication is passed, the decrypted first merchant data and the second merchant data are stored in an associated manner when the second account opening data is received.
In order to solve the above technical problem, an embodiment of the present application further provides a data processing system for cross-border transaction, which adopts the following technical solutions:
a data processing system of cross-border transaction uses the data processing method of cross-border transaction, comprising:
the control layer is used for receiving first data including message notification data and/or account opening data transmitted by the domestic bank electronic system or the cross-border merchant;
an interface of an internal service layer can be called;
the internal service layer is used for obtaining first data transmitted by the control layer through the interface capable of calling the internal service layer;
the data access layer is used for receiving the first data transmitted by the internal service layer; when the data access layer receives the account opening data, the data access layer is used for transmitting the merchant information extracted from the account opening data to the cross-border mechanism electronic system;
the relational database management system is used for storing first data transmitted by the data access layer, wherein the first data comprise message notification data and/or account opening data; and
and the data caching system is used for caching the data called from the relational database management system.
Further, the data processing system of the cross-border transaction also comprises a timing task unit, wherein the timing task unit is used for sending fund collection transfer requests to the cross-border institution electronic system at regular time so as to transfer funds in different sub-accounts in one country to a main account in a unified mode;
the timing task unit transmits the fund collection and transfer request to the internal service layer through an interface which can call the internal service layer; the internal services layer transmits a request for a consolidated transfer of funds to the cross-border institution electronic system.
Compared with the prior art, the embodiment of the application mainly has the following beneficial effects: compared with the scheme that the domestic bank electronic system is in one-to-one butt joint with the cross-border mechanism electronic system, and the domestic bank electronic system needs to prepare different merchant information aiming at different cross-border mechanism electronic systems, the method only needs to receive account opening data of the domestic bank electronic system, extracts corresponding merchant information from the account opening data according to different requirements of the cross-border mechanism electronic system and transmits the corresponding merchant information to the cross-border mechanism electronic system, and realizes the account opening of the cross-border merchant in an off-border bank; meanwhile, the method has the advantages of encryption, prevention of transmission data tampering and guarantee of safety and accuracy of merchant information.
Detailed Description
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "including" and "having," and any variations thereof, in the description and claims of this application and the description of the above figures are intended to cover non-exclusive inclusions. The terms "first," "second," and the like in the description and claims of this application or in the above-described drawings are used for distinguishing between different objects and not for describing a particular order.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.
As shown in fig. 1, the system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have various communication client applications installed thereon, such as a web browser application, a shopping application, a search application, an instant messaging tool, a mailbox client, social platform software, and the like.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, e-book readers, MP3 players (Moving Picture experts Group Audio Layer III, mpeg compression standard Audio Layer 3), MP4 players (Moving Picture experts Group Audio Layer IV, mpeg compression standard Audio Layer 4), laptop portable computers, desktop computers, and the like.
The server 105 may be a server providing various services, such as a background server providing support for pages displayed on the terminal devices 101, 102, 103.
It should be noted that, the data processing method for cross-border transaction provided in the embodiments of the present application is generally executed by a server/terminal device, and accordingly, the data processing system for cross-border transaction is generally disposed in the server/terminal device.
It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
With continued reference to FIG. 2, a flow diagram of one embodiment of a cross-border transactional data processing method in accordance with the present application is shown. The data processing method of the cross-border transaction comprises the following steps:
step 201, receiving and storing the account opening data of the cross-border account transmitted by the domestic bank electronic system through the first transmission interface;
in the embodiment, the account opening data transmitted by the electronic system of the domestic bank is received and stored, and complete merchant information can be extracted from the account opening data, so that the account opening requirements of multiple countries can be met; the account opening data is stored, so that the account opening data can be directly called when needed, corresponding merchant information is extracted from the account opening data according to an account opening verification request of the cross-border organization electronic system, the domestic bank electronic system does not need to transmit corresponding partial account opening data independently according to different requirements of different cross-border organization electronic systems, and the workload of the domestic bank is reduced.
The account opening data comprises first account opening data and second account opening data;
the step of receiving and storing the account opening data transmitted by the internal bank electronic system through the first transmission interface comprises the following steps:
receiving an account opening request sent by an electronic system of an domestic bank through a first transmission interface, wherein the account opening request carries first account opening data, a visitor identity and a certificate identity, and the first account opening data is a cipher text signed through a private key;
the visitor identity and the certificate identity carried in the domestic bank electronic system request are extracted, a public key corresponding to the domestic bank electronic system is obtained through the visitor identity and the certificate identity carried in the account opening request, and the public key is used for decrypting a ciphertext generated by the private key so as to verify the identity of the domestic bank electronic system;
and if the identity authentication is passed, the decrypted first merchant data and the second merchant data are stored in an associated manner when the second account opening data is received.
In the embodiment, a secret key is generated by RSA algorithm for each registered cooperative domestic bank electronic system, and the secret key comprises a pair of public and private keys; the private key is used for signing, namely, a ciphertext is generated; the public key is used for verifying the signature, namely decrypting the ciphertext; simultaneously providing a visitor identity (Guest ID) for the registered domestic bank electronic system, and obtaining a certificate identity (Cert ID) through the visitor identity of the corresponding domestic bank electronic system and the corresponding public key; when at least one cooperative domestic bank electronic system requests an interface, receiving a ciphertext generated by the cooperative domestic bank electronic system through a private key and a visitor identity and a certificate identity carried in the domestic bank electronic system request, inquiring through the visitor identity and the certificate identity carried in the domestic bank electronic system request to obtain a public key corresponding to the domestic bank electronic system, and decrypting the ciphertext generated by the private key by using the public key.
In this embodiment, the public key is used to decrypt the ciphertext generated by the private key, and if the decryption is successful, it indicates that the section of ciphertext is the ciphertext generated by the corresponding electronic system of the domestic bank, i.e., the signature generated by the ciphertext is not modified; the hacker is prevented from intercepting and modifying the data transmitted by the electronic system of the internal bank, and the security of the system of the party is damaged.
In addition, when the domestic bank electronic system transmits the first account opening data first and then transmits the second account opening data; verifying first account opening data signed by using a private key by using a public key, and receiving the first account opening data if the signature verification is passed; after receiving the first account opening data, receiving second account opening data through direct transmission, namely the second account opening data is not required to be encrypted for receiving; and performing associated storage on the received first account opening data and the second account opening data.
When the domestic bank electronic system transmits the second account opening data first and then transmits the first account opening data, the domestic bank electronic system directly receives the second account opening data; after the second account opening data is received, verifying the first account opening data signed by the private key by using the public key, and if the signature verification is passed, receiving first account opening data information; and the received second account opening data and the first account opening data are stored in a correlation mode.
The first account opening data carries information comprising a merchant name, a merchant address and a contact telephone; the second account opening data carries information of files including a business license scanning piece, a legal person and stockholder identity card scanning piece, an account opening license scanning piece, a tax registration card scanning piece and the like. The first account opening data is transmitted in a character string mode, and the second account opening data is transmitted in a file stream mode.
Certainly, when the message notification data is subsequently transmitted to or received from the domestic bank electronic system, the message notification data does not need to be encrypted and can be directly transmitted; particularly, the content such as message notification data, account opening data and the like transmitted by the cross-border mechanism electronic system is directly received for the cooperative cross-border mechanism electronic system, and the encryption requirement is not made for the cooperative cross-border mechanism electronic system; the message notification data transmitted for the cooperating cross-border facility electronic systems may be received and stored directly.
In this embodiment, the domestic bank electronic system does not need to encrypt the second account opening data transmitted through the interface, because the second account opening data is transmitted in a file stream form, and the file stream is large, transparent transmission is allowed, that is, direct transmission is allowed; the account opening data uploaded by the electronic system of the domestic bank through the request interface comprises: the first account opening data and the second account opening data are encrypted through a secret key through the first account opening data uploaded through the character string, so that a hacker is prevented from intercepting and modifying the merchant information, and wrong merchant information is prevented from being received. And for the cooperative cross-border mechanism electronic system, the content transmitted by the cross-border mechanism electronic system is directly received without signature verification.
In this embodiment, the electronic device (for example, the server/terminal device shown in fig. 1) on which the data processing method for cross-border transaction operates may receive details of at least one cross-border merchant transmitted by the electronic system of the home bank through a wired connection manner or a wireless connection manner. It should be noted that the wireless connection means may include, but is not limited to, a 3G/4G connection, a WiFi connection, a bluetooth connection, a WiMAX connection, a Zigbee connection, a uwb (ultra wideband) connection, and other wireless connection means now known or developed in the future.
It should be noted that the embodiments of the present application need not be concerned with and do not relate to a data interaction method and process between a cross-border institution electronic system and an overseas bank.
Step 202, extracting merchant information from the account opening data to match an account opening auditing request initiated by a cross-border organization electronic system;
in the embodiment, when the cooperative cross-border organization electronic system is used for opening an account for a merchant in an overseas bank, the merchant information required by the corresponding country for opening the account is called from the account opening data according to the content of the merchant information required by the overseas bank opening provided by the cross-border organization electronic system, so that a set of complete merchant information can be used in a plurality of countries, and the workload of the bank is effectively reduced.
Step 203, transmitting the merchant information to the cross-border mechanism electronic system through a second transmission interface so as to enable the cross-border mechanism electronic system to complete account opening verification;
in the embodiment, the merchant data required by the electronic system of the cross-border mechanism is transmitted, so that the rapid transmission of the merchant data is realized; compared with the docking of the domestic bank electronic system and the cross-border institution electronic system, the transfer effectively reduces the docking times; particularly, when the home bank and the cross-border institution have a large base number, for example, 50 home banks and 50 cross-border institutions exist, and the home bank electronic system of each home bank needs to be interfaced with the cross-border institution electronic system of 50 cross-border institutions, 50 × 50 times is 2500 times, but by the data processing method of cross-border transaction of the present application, the actual number of interfacing between the home bank electronic system and the cross-border institution electronic system only needs 50+50 times, which is 100 times. The domestic bank does not need to prepare merchant data for different cross-border organizations any more, and the workload of the domestic bank is greatly reduced.
Wherein, after the step of transmitting the merchant data to the cross-border institution electronic system through the second transmission interface, the method comprises the following steps: synchronously feeding back a successful merchant data submission notice to a domestic bank;
or after the notification of successful audit of the cross-border organization electronic system is asynchronously received, the successful audit notification of the merchant data is fed back to the domestic bank.
Step 204, when the merchant account opening success information fed back by the cross-border mechanism electronic system is obtained, sending an account opening success notice of the cross-border account to the domestic bank electronic system;
in this embodiment, after the merchant account opening success information fed back by the cross-border mechanism electronic system is obtained, the account opening success information is fed back to the domestic bank electronic system, so that the timely delivery of the message is fully realized.
Wherein, when the merchant account opening success information fed back by the cross-border mechanism electronic system is obtained, the step of sending the account opening success notice of the cross-border account to the domestic bank electronic system comprises the following steps: when acquiring the successful account opening information of the merchant represented by the foreign language or the identification fed back by the cross-border mechanism electronic system, recognizing and converting the foreign language or the identification into the domestic language, and sending an account opening success notice of the cross-border account represented by the domestic language to the domestic bank electronic system.
In this embodiment, the information fed back by the electronic system of the cross-border mechanism is often an overseas language or a string of codes, and the like, and the formats are also different, and the embodiment of the application also identifies the overseas language or the string of codes, and the like, determines the content of the overseas language or the string of codes, and feeds back the overseas language or the string of codes to the electronic system of the domestic bank through the international language and the fixed format, so that the workload of the electronic system of the domestic bank is reduced, and the electronic system of the domestic bank can read the.
In an embodiment of the present application, the remittance comprises:
step 2051, when receiving the cross-border remittance request from the domestic bank electronic system, obtaining a cross-border remittance amount from the cross-border remittance request;
step 2052, obtaining the main account balance of the cross-border account from the cross-border institution electronic system, and comparing the main account balance with the remittance amount;
step 2053, if the balance of the primary account is greater than or equal to the money transfer amount, sending the cross-border money transfer request to the cross-border institution electronic system; and
and step 2054, when the remittance success information fed back by the cross-border institution electronic system is obtained, sending a transfer success notice to the domestic bank electronic information system.
Wherein after the steps of obtaining a primary account balance of the cross-border account from the cross-border institution electronic system and comparing the primary account balance with the money transfer amount, further comprising: and if the balance of the main account is less than the remittance amount, sending a request for re-inputting the remittance amount to the electronic system of the domestic bank.
In this embodiment, the domestic bank electronic system determines whether the payment of the cross-border merchant can enter the border after being checked, and if so, provides a remittance request; according to the balance of the main account of the electronic system of the cross-border institution, whether a remittance request is sent to the electronic system of the cross-border institution is judged, if the balance is insufficient, the electronic system of the domestic bank is requested to input remittance amount again, so that the electronic system of the domestic bank can know that the balance of the main account is insufficient in time and change the remittance amount in time without waiting for the reply of the electronic system of the cross-border institution, and the problems of communication delay, insufficient account funds of cross-border merchants in the electronic system of the domestic bank and.
Wherein prior to the step of obtaining a primary account balance of the cross-border account from the cross-border institution electronic system and comparing the primary account balance to the money transfer amount, comprising:
and obtaining the authority for inquiring the balance of the main account of the cross-border mechanism electronic system through identity verification according to the identity password provided by the cross-border mechanism electronic system.
In an embodiment of the application, the transfer includes:
step 2061, sending a fund collection transfer request to the cross-border institution electronic system according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to a main account in a unified manner;
creating a running record of the transfer request so as to record the transfer request; and
step 2062, transfer conditions are queried synchronously or transfer status information is received asynchronously.
The step of sending a fund collection transfer request to the cross-border institution electronic system according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to a main account in a unified manner comprises the following steps: and determining whether the cross-border institution electronic system regularly transfers funds, and if the cross-border institution electronic system does not regularly transfer funds, regularly sending a fund collection transfer request to the cross-border institution electronic system so as to uniformly transfer funds in different sub-accounts in one country to a main account.
In this embodiment, for the electronic system of the cross-border institution that does not perform fund transfer collection at regular time, the fund collection and transfer request is sent to the electronic system of the cross-border institution at regular time, which is beneficial to collect the fund in the sub-account into the main account in time, and when the electronic system of the domestic bank makes a remittance request, sufficient money can be remitted to the electronic system of the domestic bank. And a running record is created, so that related personnel can know the account transfer condition in time.
Of course, the step of sending a fund collection transfer request to the cross-border institution electronic system according to the fund condition of the cross-border account monitored in real time so as to transfer funds in different sub-accounts in one country to the main account in a unified way comprises the following steps: determining whether the cross-border institution electronic system regularly performs fund collection and transfer, and if the cross-border institution electronic system does not regularly perform fund collection and transfer, setting a fund threshold value;
comparing the balance of the cross-border account with a preset fund threshold in real time;
and when the balance of the cross-border account is greater than a preset fund threshold value, sending a fund collection transfer request to the cross-border institution electronic system so as to transfer funds in different sub-accounts in one country to a main account in a unified manner.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
With further reference to fig. 3 and 4, as an implementation of the method shown in fig. 2, the present application provides an embodiment of a cross-border transaction data processing system, which corresponds to the embodiment of the method shown in fig. 2, and which is particularly applicable to various electronic devices.
As shown in fig. 3 and 4, the data processing system 300 for cross-border transaction according to the embodiment includes;
a control layer 301, configured to receive first data including message notification data and/or account opening data transmitted by an electronic system of an domestic bank or a cross-border merchant;
an interface 302 that can invoke an internal service layer;
an internal service layer 303, configured to obtain, through the interface 303 capable of calling the internal service layer, first data transmitted by the control layer 301;
a data access layer 304, configured to receive the first data transmitted by the internal service layer 303; when the data access layer 304 receives the account opening data, the data access layer 304 is used for transmitting the merchant information extracted from the account opening data to the cross-border mechanism electronic system;
a relational database management system 305 for storing first data including message notification data and/or account opening data transmitted by the data access layer 304; and
a data caching system 306 for caching data called from the relational database management system 305.
In the embodiment, the first data is transmitted and stored to the relational database management system through the control layer, the internal service layer and the data access layer, so that stable transmission of the data is ensured; meanwhile, the internal service layer can also receive data transmitted by the cross-border mechanism electronic system, and the internal service layer is used for transmitting the data transmitted by the cross-border mechanism electronic system to the relational database management system through the data access layer; the internal service layer is also used for transmitting the data transmitted by the cross-border mechanism electronic system to an domestic bank electronic system or a cross-border merchant through the control layer; the transmitted data comprises message notification data, account opening data and the like; the data caching system is used for caching the called data, so that the system can accurately and quickly respond when the related content is used next time, and the response speed of the system is increased.
The data processing system of the cross-border transaction further comprises a timing task unit, wherein the timing task unit is used for sending fund collection transfer requests to the cross-border institution electronic system at regular time so as to transfer funds in different sub-accounts in one country to a main account in a unified mode;
the timing task unit transmits the fund collection and transfer request to the internal service layer through an interface which can call the internal service layer; the internal services layer transmits a request for a consolidated transfer of funds to the cross-border institution electronic system.
The data processing method for cross-border transaction provided by the embodiment of the application is generally executed by the server/terminal equipment, and correspondingly, the data processing system for cross-border transaction is generally arranged in the server/terminal equipment; the data processing system for cross-border transaction further comprises a background service system and a gateway service system, wherein the background service system comprises a public module, an organization merchant module, a transfer module, a remittance module and a log module. The gateway service system includes: a gateway module and a registration module; the gateway module is used for data verification, when the domestic bank electronic system requests an interface of a data processing system for cross-border transaction, the gateway module is used for verifying, and after the verification is passed, the domestic bank electronic system is determined to have the qualification of the interface request. The log module is used for recording the interactive process and times of the interface, recording the request and success or failure times of remittance and the like, and can be used for analyzing the reasons of remittance failure.
And the background service system displays an incompatible visual operation page on the terminal for different users according to different user permissions.
FIG. 4 is an interaction diagram of the data processing system of the cross-border transaction of the present application with a cross-border merchant, an in-home bank electronic system, a cross-border e-commerce platform, a foreign bank, a cross-border agency electronic system; as shown in fig. 4, the data processing method of the cross-border transaction of the present application is executed by a corresponding data processing system of the cross-border transaction, and a cross-border e-commerce platform (amazon is exemplified in the figure) and the data processing system of the cross-border transaction of the present application are in an interactive relationship; the cross-border transaction data processing system further comprises a relational database management System (SQL), a data access layer (Dao), an internal Service (Service), an interface (facede) capable of calling the internal Service, a control layer and a data cache system (R), wherein the interface capable of calling the internal Service is a standardized interface and can be used for calling the internal Service (Service); the data cache system (R) is used for data caching, such as key caching, namely after the key is used this time, the key does not need to be searched in the database next time, and the key can be directly and quickly called from the data cache system, so that the searching time is saved, and the response speed of the system is accelerated.
After the electronic system of the domestic bank passes the firewall and the gateway to check the label, the data of opening an account is transmitted to the data processing system of the cross-border transaction by calling an Application Programming Interface (API); after the data processing system of the cross-border transaction checks the label according to the needs of the cross-border mechanism electronic system through the gateway, the data processing system transfers the merchant data required by the corresponding cross-border mechanism electronic system to the cross-border mechanism electronic system by calling an Application Programming Interface (API), the cross-border mechanism electronic system then sends the merchant data to an overseas bank for account opening, and the account successfully opened is the account of the payment filled in the cross-border mechanism electronic platform (illustrated by Amazon in the figure); after the amazon platform stores the payment obtained by the cross-border merchant selling goods on the amazon platform into the account of the corresponding overseas bank, the cross-border mechanism electronic system can obtain the information of the stored payment; meanwhile, the cross-border merchant can also inquire and know whether the payment of the goods arrives at the account or not through the client of the data processing system of the cross-border transaction, the information such as the volume of the goods in the amazon platform and the like, and a background manager of the data processing system of the cross-border transaction can detect whether the fund flow and the transaction condition are normal or not through the data processing system of the cross-border transaction.
The gateway sign checking position is also provided with current limiting, namely, the electronic system of a bank in the same house visits the data processing system of the cross-border transaction for a plurality of times in fixed time, and the transaction is not accepted any more in the fixed time, so that the safety of the data processing system of the cross-border transaction is ensured.
The data processing system of the cross-border transaction has a timing task, aiming at the cross-border institution electronic system which is not provided with the timing fund transfer collection, when a certain time interval is set, the data processing system of the cross-border transaction can send the requirement of the fund transfer collection to the cross-border institution electronic system, and the cross-border institution electronic system transfers the fund in the sub-account to the main account after receiving the requirement, so that the fund transfer collection is completed.
The domestic bank receives the merchant fund flow sent by the data processing system of the cross-border transaction as well as the merchant fund flow sent by the amazon platform; the cross-border merchant receives the payment on the Amazon platform and makes the payment into a bank account managed by the cross-border mechanism electronic system; the cross-border mechanism electronic system sends an account notification to the cross-border transaction data processing system, and the cross-border transaction data processing system sends the account notification to the internal bank electronic system; the electronic system of the convenient domestic bank can process money in time, and the electronic system of the convenient domestic bank can reconcile the account through the merchant fund flow sent by the amazon platform and the data processing system of the cross-border transaction.
FIG. 5 is an interaction diagram of the server of the cross-border transaction data processing system of the present application with the cross-border agency electronic system server and the domestic bank electronic system server; as shown in fig. 5, the domestic bank electronic system server transmits data to the cross-border agency electronic system server through the Nginx proxy server, wherein the Nginx proxy server is located in a region (such as hong kong) which is not required to be connected to the outside of the country through the input VPN; the data of the electronic system server of the domestic bank is subjected to data transfer through the Nginx proxy server, and the data is transmitted to the electronic system server of the cross-border institution; the application server is used for processing the service; the database server is used for storing data, and comprises a main database server and an auxiliary database server, wherein the main database server is used for storing data, and the auxiliary database server is used for replacing the main database server to store data when the main database server has problems.
In order to solve the technical problem, an embodiment of the present application further provides a computer device. Referring to fig. 6, fig. 6 is a block diagram of a basic structure of a computer device according to the present embodiment.
The computer device 6 comprises a memory 61, a processor 62, a network interface 63 communicatively connected to each other via a system bus. It is noted that only a computer device 6 having components 61-63 is shown, but it is understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead. As will be understood by those skilled in the art, the computer device is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable gate array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.
The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing devices. The computer equipment can carry out man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch panel or voice control equipment and the like.
The memory 61 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the memory 61 may be an internal storage unit of the computer device 6, such as a hard disk or a memory of the computer device 6. In other embodiments, the memory 61 may also be an external storage device of the computer device 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a flash Card (FlashCard), and the like, which are provided on the computer device 6. Of course, the memory 61 may also comprise both an internal storage unit of the computer device 6 and an external storage device thereof. In this embodiment, the memory 61 is generally used for storing an operating system installed in the computer device 6 and various application software, such as program codes of data processing methods for cross-border transactions. Further, the memory 61 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 62 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 62 is typically used to control the overall operation of the computer device 6. In this embodiment, the processor 62 is configured to execute the program code stored in the memory 61 or process data, for example, execute the program code of the data processing method of the cross-border transaction.
The network interface 63 may comprise a wireless network interface or a wired network interface, and the network interface 63 is typically used for establishing a communication connection between the computer device 6 and other electronic devices.
The present application further provides another embodiment, which is a computer-readable storage medium storing a computer program executable by at least one processor to cause the at least one processor to perform the steps of the data processing method of cross-border transactions as described above.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.
It is to be understood that the above-described embodiments are merely illustrative of some, but not restrictive, of the broad invention, and that the appended drawings illustrate preferred embodiments of the invention and do not limit the scope of the invention. This application is capable of embodiments in many different forms and is provided for the purpose of enabling a thorough understanding of the disclosure of the application. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to one skilled in the art that the present application may be practiced without modification or with equivalents of some of the features described in the foregoing embodiments. All equivalent structures made by using the contents of the specification and the drawings of the present application are directly or indirectly applied to other related technical fields and are within the protection scope of the present application.