Cross-border separate accounting arrangement method and platform based inline electronic account, and payment platform

Abstract

The invention relates to a cross-border separate accounting arrangement method and platform based an inline electronic account, and a payment platform. The inline electronic account is pre-distributed to a user, during separate accounting arrangement, a deposit withdrawal request of a client is received, and a target inline electronic account, a target store, a target bank account, a target overseas main account and a target domestic main account are determined according to information items contained in the deposit withdrawal request and mapping relationships; a cross-border transaction volume of the target store is transferred to the target overseas main account, and a virtual transaction fund equivalent to the cross-border transaction volume is inputted into the target inline electronic account; an actual separate accounting arrangement sum is calculated according to the virtual transaction fund in the target inline electronic account, the actual separate accounting arrangement sum is transferred through the target domestic main account to the target bank account, and zero clearing of the target inline electronic account is further carried out. The method is advantaged in that a merchant has no need to go to an overseas extension counter of an overseas bank to open an account, and deposit withdrawal of the cross-border transaction volume can be realized through distributing only the inline electronic account to the user.

Description

technical field [0001] The invention relates to the technical field of financial payment, in particular to a cross-border account sharing method based on an inline electronic account, an account sharing platform, and a payment platform. Background technique [0002] In recent years, with the development of world economic integration and globalization, the impact of e-commerce on the economic development and social changes of various countries has gradually increased. Since 2008, the development of my country's traditional foreign trade has been weak, and the average annual growth rate has slowed down to below 10%, but cross-border e-commerce has shown a rapid development trend. According to statistics from the Ministry of Commerce, from 2008 to 2016, the transaction volume of cross-border e-commerce in my country has been increasing rapidly year by year. From 2008 to 2016, the average annual growth rate of cross-border e-commerce transaction volume was close to 30%. It is e...

AI Technical Summary

Problems solved by technology

In the actual operation process, due to the requirements of financial supervision, overseas banking institutions require merchants to go to the counters of overseas branches to open overseas bank accounts. For most small-scale merchants in my country, they have never stepped out of the country and need It takes a lot of time, energy and money. Therefore, the difficulty in the recovery and use of the above-mentioned foreign currency payment has caused certain obstacles to the development of the domestic cross-border e-commerce industry.

Some merchants have to choose the transfer method through underground banks, which has capital risks and legal risks

At the same time, constrained by the e-commerce platform account period and the bank's foreign exchange settlement and sale review management process, the payment process is complicated, inefficient, and the account period is long. It usually takes 6 to 23 working days to receive the payment

The long and inefficient process of fund clearing and settlement has caused great financial pressure on cross-border merchants, brought certain exchange rate risks, seriously affected the efficiency of capital use, and increased the operational risks of cross-border merchants

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