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Bank-corporate direct linkage method and system on cross-border e-commerce platform

An e-commerce platform, bank-enterprise direct technology, applied in the field of cross-border e-commerce platform settlement, can solve problems such as low operational efficiency and accuracy, and achieve the effect of reducing platform risks, reducing manual participation, and reducing financial operating costs

Inactive Publication Date: 2017-06-27
数贸科技(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this process, there are too many links involved in human operation, so there are considerable operational risks, and the corresponding operational efficiency and accuracy are also very low.

Method used

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  • Bank-corporate direct linkage method and system on cross-border e-commerce platform
  • Bank-corporate direct linkage method and system on cross-border e-commerce platform
  • Bank-corporate direct linkage method and system on cross-border e-commerce platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0062] attached Figure 1-4 It can be seen that it is a method of direct connection between banks and enterprises on a cross-border e-commerce platform, including an e-commerce platform. The e-commerce platform receives the withdrawal application, and the e-commerce platform reviews the withdrawal application. Call the bank-enterprise direct connection front-end machine to remit money to the application account.

[0063] The e-commerce platform receives the cash withdrawal application initiated by the merchant and judges whether the withdrawal conditions are met. If the bank account is suspended or the platform account is frozen, it will prompt that the cash withdrawal is not allowed;

[0064] If the judgment condition is passed, then register the cash withdrawal application information according to the cash withdrawal amount, currency and bank account number, account name, branch and sub-branch information of merchant A;

[0065] Carry out the judgment of the withdrawal cond...

Embodiment 2

[0098] A cross-border e-commerce platform bank-enterprise direct connection method, including an electronic merchant client, the electronic merchant client initiates a cash withdrawal application, and after the merchant enters the cash withdrawal amount he needs, clicks to confirm the cash withdrawal;

[0099] The background judges whether the withdrawal conditions are met. If the bank account is suspended or the platform account is frozen, it will prompt that the withdrawal is not allowed;

[0100] If the judgment condition is passed, then register the cash withdrawal application information according to the cash withdrawal amount, currency and bank account number, account name, branch and sub-branch information of merchant A;

[0101] Carry out the judgment of the withdrawal conditions again on the working day. If the withdrawal conditions are not met, the withdrawal application will be set as a failure, and the withdrawal amount will be returned to the merchant's fund accoun...

Embodiment 3

[0109] It is a cross-border e-commerce platform bank-enterprise direct connection system, including an e-commerce platform, which is configured to receive withdrawal applications, and the e-commerce platform will review the withdrawal applications. If the withdrawal application meets the withdrawal conditions, the e-commerce platform will call the bank-enterprise direct connection The front-end computer remits money to the application account.

[0110] Withdrawal conditions include bank account status verification.

[0111] Withdrawal conditions include: withdrawal amount, currency and bank account number, account name, branch and sub-branch information registration and withdrawal application information.

[0112] The e-commerce platform is also configured to save cash withdrawal records, register remittance details and batch information.

[0113] The e-commerce platform is also configured to update the database according to the withdrawal record.

[0114] After the informat...

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Abstract

The present invention relates to a bank-corporate direct linkage method and system on a cross-border e-commerce platform. The method comprises that: the e-commerce platform receives the application for withdrawal and checks the application for withdrawal, and if the application for withdrawal meets the conditions of withdrawal, a bank-corporate direct linkage front-end processor is invoked by the e-commerce platform to remit to the application account; according to the total amount of remittances and the bank account balance, the financial operator carries out corresponding allocation of funds, clicks for checking after the corresponding allocation of funds is completed, and still carries out determination on the conditions of withdrawal; and for the records that pass the determination condition, the bank-corporate direct linkage front-end processor is invoked for issuing. According to the bank-corporate direct linkage method and system on the cross-border e-commerce platform disclosed by the present invention, in the process from generating the withdrawal data to registering the issuing batch, systematic processing is realized, steps of manual participation are reduced, and without uploading an issuing file to the e-bank, the financial operating costs are reduced and the operational risk is reduced.

Description

technical field [0001] The present invention relates to the settlement field of a cross-border e-commerce platform, and specifically relates to a method and system for direct connection between banks and enterprises on a cross-border e-commerce platform. Background technique [0002] In the actual business operation process of the e-commerce platform, there is also a natural settlement process for the merchants on the platform. From the overseas buyer's order payment, to the merchant's delivery and the buyer's confirmation of receipt of the goods, to the foreign trade e-commerce platform to lend money to the merchant, and finally the merchant's own cash withdrawal, the financial operator of the platform will settle the settlement for the merchant. [0003] In the process of settlement processing on traditional foreign trade e-commerce platforms, financial operators need to check and adjust the format of merchant cash withdrawal data downloaded and exported from the platform....

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/40G06Q30/06G06Q40/02
CPCG06Q20/102G06Q20/4014G06Q30/0601G06Q30/0609G06Q40/02
Inventor 赵红强段艳松薛继东
Owner 数贸科技(北京)有限公司
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