CN113538142A - Foreign exchange settlement method and device, storage medium and electronic equipment - Google Patents
Foreign exchange settlement method and device, storage medium and electronic equipment Download PDFInfo
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Abstract
本发明提供一种外汇结算方法及装置、存储介质及电子设备，该方法包括：当接收到用户发送的外汇结算请求时，确定外汇结算请求对应的结算信息；依据结算信息及预设的预测模型，判断外汇结算请求是否为合规请求，若其为合规请求，则确定用户对应的核查信息；将结算信息与核查信息发送至区块链网络，使区块链网络基于结算信息和核查信息，对外汇结算请求进行审核；获取外汇结算请求对应的审核结果，若审核结果表征外汇结算请求通过审核，则基于结算信息进行外汇结算。应用本发明的方法，用户可发送外汇结算请求触发外汇结算业务的办理流程，无需前往网点柜台办理业务，可提高业务办理的便利性，提升用户的服务体验。
The present invention provides a foreign exchange settlement method and device, a storage medium and an electronic device. The method includes: when a foreign exchange settlement request sent by a user is received, determining settlement information corresponding to the foreign exchange settlement request; according to the settlement information and a preset prediction model , judge whether the foreign exchange settlement request is a compliance request, and if it is a compliance request, determine the verification information corresponding to the user; send the settlement information and verification information to the blockchain network, so that the blockchain network can be based on the settlement information and verification information. , to review the foreign exchange settlement request; obtain the review result corresponding to the foreign exchange settlement request, and if the review result indicates that the foreign exchange settlement request has passed the review, the foreign exchange settlement is performed based on the settlement information. By applying the method of the present invention, the user can send a foreign exchange settlement request to trigger the foreign exchange settlement business handling process, without going to the branch counter to handle the business, which can improve the convenience of business handling and enhance the user's service experience.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a foreign exchange settlement method and apparatus, a storage medium, and an electronic device.
Background
In the financial service industry, foreign exchange settlement is one of the common financial services provided by banks, and refers to the transaction that a foreign exchange collector collects foreign exchanges into money for sale to the banks, and the banks pay equivalent domestic currency according to a certain exchange rate, namely, the transaction of exchanging the foreign currency into RMB.
With the development of national policies, more and more middle-aged organizations working overseas are also one of the main customer groups of foreign exchange settlement services. At present, foreign exchange settlement business generally needs a client to hold relevant identification and go to a bank counter for handling. In real life, the outsiders are difficult to frequently return to the country during the period of outsiders, the operation of going to the counter is inconvenient, the procedure of the client for handling the foreign exchange settlement service is complicated, and the client experience is poor.
Disclosure of Invention
In view of this, the embodiment of the present invention provides a foreign exchange settlement method, so as to solve the problems that a client needs to go to a counter to handle a foreign exchange settlement service, the procedure is complicated, a lot of inconvenience exists, and the user experience is poor.
The embodiment of the invention also provides a foreign exchange settlement device which is used for ensuring the actual realization and application of the method.
In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:
a foreign exchange settlement method, comprising:
when a foreign exchange settlement request sent by a user is received, determining settlement information corresponding to the foreign exchange settlement request;
judging whether the foreign exchange settlement request is a compliance request or not according to the settlement information and a preset prediction model;
if the foreign exchange settlement request is a compliance request, determining checking information corresponding to the user;
sending the settlement information and the checking information to a block chain network, so that the block chain network verifies the foreign exchange settlement request based on the settlement information and the checking information;
and acquiring an audit result corresponding to the foreign exchange settlement request, and performing foreign exchange settlement based on the settlement information if the audit result represents that the foreign exchange settlement request passes the audit.
Optionally, the determining settlement information corresponding to the foreign exchange settlement request includes:
acquiring a material picture uploaded by the user from the foreign exchange settlement request, and performing character recognition on the material picture to obtain authentication information corresponding to the user;
acquiring the settlement information input by the user from the foreign exchange settlement request;
and taking the authentication information and the settlement information as the settlement information.
Optionally, the method for determining whether the foreign exchange settlement request is a compliance request according to the settlement information and a preset prediction model includes:
inputting the settlement information into the preset prediction model, and obtaining a prediction result output by the preset prediction model; the preset prediction model is a classification model set based on a plurality of clustering algorithms;
if the prediction result represents that the settlement information is compliance information, the settlement information is sent to an auditor so that the auditor can manually audit the settlement information;
and acquiring a manual review result corresponding to the settlement information, and if the manual review result indicates that the settlement information passes the manual review, determining that the foreign exchange settlement request is a compliance request.
Optionally, the determining the checking information corresponding to the user includes:
determining identity information corresponding to the user;
acquiring labor contract information and foreign exchange transaction information corresponding to the user based on the identity information;
and taking the labor contract information and the foreign exchange transaction information as the checking information.
The above method, optionally, further includes:
and if the foreign exchange settlement request is not a compliance request, determining abnormal information corresponding to the foreign exchange settlement request, and sending the abnormal information to the user.
The above method, optionally, further includes:
and after foreign exchange settlement is carried out based on the settlement information, determining a foreign exchange settlement record corresponding to the settlement information, and sending the foreign exchange settlement record to the block chain network.
The above method, optionally, further includes:
and the block chain network sends the settlement information, the checking information, the auditing result and the foreign exchange settlement record to a supervision agency.
A foreign exchange settlement apparatus comprising:
the system comprises a first determining unit, a second determining unit and a third determining unit, wherein the first determining unit is used for determining settlement information corresponding to a foreign exchange settlement request when the foreign exchange settlement request sent by a user is received;
the judging unit is used for judging whether the foreign exchange settlement request is a compliance request or not according to the settlement information and a preset prediction model;
a second determining unit, configured to determine, if the foreign exchange settlement request is a compliance request, checking information corresponding to the user;
the auditing unit is used for sending the settlement information and the checking information to a block chain network so that the block chain network audits the foreign exchange settlement request based on the settlement information and the checking information;
and the settlement unit is used for acquiring an audit result corresponding to the foreign exchange settlement request, and performing foreign exchange settlement based on the settlement information if the audit result represents that the foreign exchange settlement request passes the audit.
The above apparatus, optionally, the first determining unit includes:
the identification subunit is configured to acquire a material picture uploaded by the user from the foreign exchange settlement request, perform character identification on the material picture, and acquire authentication information corresponding to the user;
the first acquisition subunit is used for acquiring the settlement information input by the user from the foreign exchange settlement request; and taking the authentication information and the settlement information as the settlement information.
The above apparatus, optionally, the determining unit includes:
the input subunit is used for inputting the settlement information into the preset prediction model and acquiring a prediction result output by the preset prediction model; the preset prediction model is a classification model set based on a plurality of clustering algorithms;
the sending subunit is configured to send the settlement information to an auditor if the prediction result indicates that the settlement information is compliance information, so that the auditor performs manual audit on the settlement information;
and the first determining subunit is configured to obtain a manual review result corresponding to the settlement information, and determine that the foreign exchange settlement request is a compliance request if the manual review result indicates that the settlement information passes the manual review.
The above apparatus, optionally, the second determining unit includes:
the second determining subunit is used for determining the identity information corresponding to the user;
the second acquiring subunit is used for acquiring labor contract information and foreign exchange transaction information corresponding to the user based on the identity information; and taking the labor contract information and the foreign exchange transaction information as the checking information.
The above apparatus, optionally, further comprises:
and the first sending unit is used for determining abnormal information corresponding to the foreign exchange settlement request and sending the abnormal information to the user if the foreign exchange settlement request is not a compliance request.
The above apparatus, optionally, further comprises:
and the second sending unit is used for determining the foreign exchange settlement record corresponding to the settlement information after foreign exchange settlement is carried out based on the settlement information, and sending the foreign exchange settlement record to the block chain network.
The above apparatus, optionally, further comprises:
and the third sending unit is used for sending the settlement information, the checking information, the auditing result and the foreign exchange settlement record to a monitoring mechanism by the block chain network.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium resides to perform a foreign exchange settlement method as described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the fx settlement method as described above.
Based on the foreign exchange settlement method provided by the embodiment of the invention, the foreign exchange settlement method comprises the following steps: when a foreign exchange settlement request sent by a user is received, determining settlement information corresponding to the foreign exchange settlement request; judging whether the foreign exchange settlement request is a compliance request or not according to the settlement information and a preset prediction model, and if the foreign exchange settlement request is the compliance request, determining corresponding checking information of the user; sending the settlement information and the checking information to a block chain network, and enabling the block chain network to check the foreign exchange settlement request based on the settlement information and the checking information; and acquiring an audit result corresponding to the foreign exchange settlement request, and performing foreign exchange settlement based on the settlement information if the audit result represents that the foreign exchange settlement request passes the audit. By applying the method provided by the embodiment of the invention, the corresponding information can be acquired to check the foreign exchange settlement request based on the foreign exchange settlement request sent by the user, and if the foreign exchange settlement request passes the check, the foreign exchange settlement is carried out. The user can send foreign exchange settlement requests through various front ends to complete the handling of foreign exchange settlement services, the user does not need to go to a website counter to handle the services, the service handling process is convenient, and the service experience of the user can be improved.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a method for foreign exchange settlement according to an embodiment of the present invention;
FIG. 2 is a flowchart of another method for foreign exchange settlement according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a foreign exchange settlement apparatus according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a foreign exchange settlement apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
It is known from the background art that in the existing business handling process, a client needs to go to a website counter by himself to handle foreign exchange settlement business, especially if the personal settlement amount exceeds fifty thousand dollars in a year, the client needs to hold valid identity documents and certification materials to go to the website counter to handle business so as to prevent illegal transactions utilizing the exchange rate. Going to the domestic counter to handle the business is very inconvenient for the customers, and even for the common domestic customers, the situation that the customers do not go to the website conveniently also often occurs. Therefore, the existing foreign exchange settlement service handling method leads the flow of the foreign exchange settlement service handling of the client to be very complicated, has poor convenience and causes great adverse effect on the service experience of the client.
Therefore, the embodiment of the invention provides a foreign exchange settlement method, which can respond to a foreign exchange settlement request sent by a user to perform foreign exchange settlement, the user does not need to go to a counter to handle business, the convenience of business handling of the user can be improved, and the service experience is improved.
The embodiment of the invention provides a foreign exchange settlement method, which can be applied to a foreign exchange settlement system, wherein an execution main body of the foreign exchange settlement method can be a server of the system, and a method flow chart of the method is shown in figure 1 and comprises the following steps:
s101: when a foreign exchange settlement request sent by a user is received, determining settlement information corresponding to the foreign exchange settlement request;
in the method provided by the embodiment of the invention, the user can send the foreign exchange settlement request to the server of the foreign exchange settlement system through various front ends, wherein the various front ends can be mobile banking client sides, online banking webpages or self-service business handling machines and the like. The user can upload the identity authentication material through the front end and input the related information of the foreign exchange settlement so as to request to transact the foreign exchange settlement service. When the server receives a foreign exchange settlement request sent by a user, relevant information for foreign exchange settlement input by the user, such as a foreign exchange source, a redemption purpose, a payee name, a redemption amount and the like, can be obtained from the foreign exchange settlement request. And determining the relevant information for foreign exchange settlement as settlement information corresponding to the foreign exchange settlement request.
S102: judging whether the foreign exchange settlement request is a compliance request or not according to the settlement information and a preset prediction model;
the method provided by the embodiment of the invention is provided with a prediction model in advance, wherein the prediction model is used for predicting whether the foreign exchange settlement request sent by the user is a request meeting the regulation, namely whether the foreign exchange settlement behavior of the user is legal or not, and whether illegal transactions such as foreign exchange frying are suspected or not. The prediction model is obtained based on big data training. The predictive model may be enabled to predict whether the foreign exchange settlement request is a compliance request based on the settlement information.
S103: determining checking information corresponding to the user;
in the method provided by the embodiment of the invention, if the foreign exchange settlement request is judged to be a compliance request, the corresponding checking information of the user is further determined. Specifically, the information corresponding to the user may be obtained from a related information system based on a networking mechanism. For example, the foreign exchange transaction information corresponding to the user can be obtained from the information system of the supervision mechanism such as the foreign exchange administration. Under the scene of salary settlement, the bank can sign a settlement agreement that does not occupy the line with the enterprise organization, when the staff applies for the salary settlement, the bank does not occupy the line of the personal settlement, the checking information of the user can also comprise information such as labor contract of the user, and the information can be specifically obtained from the information management system of the enterprise organization corresponding to the user.
S104: sending the settlement information and the checking information to a block chain network, so that the block chain network verifies the foreign exchange settlement request based on the settlement information and the checking information;
in the method provided by the embodiment of the present invention, a block chain network may be pre-constructed, and the block chain network may adopt a federation chain. The objects of supervision institutions such as banks and foreign exchange administration, enterprise institutions and the like can be used as contract participants to jointly make intelligent contracts of the block chain network, and each contract participant can obtain corresponding foreign exchange settlement information from the block chain network. Based on the settlement information and the verification information, a unique identification corresponding to the transaction can be generated in the blockchain network.
The server of the foreign exchange settlement system can send the settlement information and the checking information of the current user to the block chain network so as to trigger the block chain network to check the foreign exchange settlement request through a corresponding intelligent contract based on the settlement information and the checking information, and if the settlement information and the checking information represent that the foreign exchange settlement request accords with the preset intelligent contract condition, the foreign exchange settlement request is determined to pass the check, and a corresponding check result is generated.
S105: and acquiring an audit result corresponding to the foreign exchange settlement request, and performing foreign exchange settlement based on the settlement information if the audit result represents that the foreign exchange settlement request passes the audit.
In the method provided by the embodiment of the invention, the server of the foreign exchange settlement system can subscribe the audit result in the block chain network, when the audit result corresponding to the foreign exchange settlement request is generated in the block chain network, the audit result can be obtained from the audit result, if the foreign exchange settlement request passes the audit, the foreign exchange settlement is carried out based on the settlement information, namely, the settlement application corresponding to the foreign exchange settlement request is received, the corresponding foreign exchange settlement service is handled, the foreign exchange settlement is carried out on the foreign exchange held by the user according to the exchange amount input by the user, and the exchanged money is input into the collection account input by the user.
In the method provided by the embodiment of the invention, if the audit result indicates that the foreign exchange settlement request does not pass the audit, the alarm is given, the current processing flow of the foreign exchange settlement request is ended, and the relevant information that the audit does not pass can be sent to the user.
Based on the method provided by the embodiment of the invention, the user can send the foreign exchange settlement request to the server through various front ends, and when the server receives the foreign exchange settlement request sent by the user, the server can determine the corresponding settlement information and judge whether the request is a compliance request. If the request is a compliance request, checking information corresponding to the user is determined, and the settlement information and the checking information are sent to the block chain network, so that the block chain network can check the foreign exchange settlement request, and if the request passes the check, corresponding foreign exchange settlement is carried out. By applying the method provided by the embodiment of the invention, the user can send the foreign exchange settlement request to transact the foreign exchange settlement service at any time and any place, the server can complete information verification and service transaction on line, the user does not need to go to a website counter, the transaction process of the foreign exchange settlement service is simpler and more convenient, the service transaction convenience is higher, and the service experience of the user can be improved. And secondly, the checking materials of the user can be obtained by the server, the materials required by the user are simple, the convenience of business handling is further improved, and the service experience of the user can be further improved.
The intelligent contracts mentioned in the above embodiments are briefly introduced, and refer to a working mechanism deployed on a blockchain through code, and can complete specified functions on the chain without supervision. The full life cycle of the intelligent contract comprises: the method comprises three parts of contract generation, contract issuing and contract execution.
The contract generation process mainly comprises the following steps: the method comprises four links of contract multi-party negotiation, contract specification formulation, contract verification and contract code acquisition. The implementation process in a specific scene is as follows: the contract participators carry out negotiation, the rights and obligations of each party are defined, standard contract texts are determined and programmed, and standard contract codes are obtained after verification. The contract verification refers to verification on a virtual machine based on a system abstract model, and is an important link related to the safety of a contract execution process so as to ensure the consistency of contract codes and contract texts.
The contract issuing process mainly comprises the following steps: the signed contract is distributed to each node by means of P2P, and each node temporarily stores the received contract in the memory and waits for consensus. All nodes eventually agree on the newly issued contracts and the agreed contract sets are spread in block form to the nodes in the block-chain network.
The contract execution process mainly comprises the following steps: the intelligent contracts based on the block chain comprise transaction processing and saving mechanisms and a complete state machine, and are used for receiving and processing various intelligent contracts. The whole contract processing process is automatically completed by an intelligent contract system arranged in the bottom layer of the block chain, and the contract processing system is transparent and can not be tampered.
Further, on the basis of the method shown in fig. 1, an embodiment of the present invention provides another foreign exchange settlement method, in the method provided in the embodiment of the present invention, the process of determining the settlement information corresponding to the foreign exchange settlement request in step S101 includes:
acquiring a material picture uploaded by the user from the foreign exchange settlement request, and performing character recognition on the material picture to obtain authentication information corresponding to the user;
in the method provided by the embodiment of the invention, the material pictures uploaded by the user through the front end, such as the identity card pictures or the pictures of various certification materials, can be obtained from the foreign exchange settlement request sent by the user. And performing character recognition on the material picture by a preset character recognition technology to recognize character information corresponding to the material picture, and extracting related information such as names, identification card numbers and the like from the recognized characters. So as to obtain the authentication information corresponding to the user. A specific text Recognition technique may employ Optical Character Recognition (OCR).
Acquiring the settlement information input by the user from the foreign exchange settlement request; and taking the authentication information and the settlement information as the settlement information.
In the method provided by the embodiment of the invention, the remittance information input by the user at the front end can be obtained from the foreign exchange settlement request sent by the user, and the remittance information can comprise information such as a foreign exchange source, an exchange purpose, a payment account, a collection account, a payee name and the like. And forming settlement information corresponding to the foreign exchange settlement request by using the authentication information and the settlement information.
Based on the method provided by the embodiment of the invention, the material picture uploaded by the user can be identified based on the preset character identification technology so as to extract the related information, the user can provide the related material in a picture uploading mode, the process is convenient, the convenience of business handling can be further improved, and the service experience of the user is improved.
To better illustrate the method provided by the embodiment of the present invention, on the basis of the method shown in fig. 1, the embodiment of the present invention provides another foreign exchange settlement method, and the process of determining whether the foreign exchange settlement request is a compliance request according to the settlement information and a preset prediction model mentioned in step S102 includes:
inputting the settlement information into the preset prediction model, and obtaining a prediction result output by the preset prediction model; the preset prediction model is a classification model set based on a plurality of clustering algorithms;
in the method provided by the embodiment of the invention, the settlement information can be input into a preset prediction model, and the prediction model can output the prediction result based on the settlement information after the settlement information is processed by the prediction model. The prediction model may predict whether the settlement information may relate to an improper transaction, that is, whether the settlement information is compliant information, based on learning ability learned based on big data training. To determine whether to classify the user as a normal user or an abnormal user. In a specific implementation process, the factors influencing the prediction result may be the foreign exchange settlement frequency of the user, whether the payee account is the user's own account, whether the foreign exchange settlement amount is reasonable, and the like.
In the method provided by the embodiment of the invention, the prediction model is a classification model set based on a plurality of clustering algorithms, and for example, the prediction model can be designed by combining a spectral clustering algorithm, a Mini Batch K-Means algorithm and a classification Regression Tree (CART) algorithm. The Mini Batch K-Means algorithm is an optimized variant of the K-Means algorithm, the K-Means algorithm refers to a K-Means clustering algorithm and is a clustering analysis algorithm for iterative solution, and the Mini Batch K-Means algorithm adopts a small-scale data subset on the basis of the algorithm so as to reduce the calculation time. The three clustering algorithms are all the existing clustering algorithms, and are not specifically described here.
In the method provided by the embodiment of the invention, a large number of training samples can be obtained based on big data in the design process of a prediction model, for each training sample, an original sample point x can be converted into a new sample point y through a standardized Laplace algorithm in a spectral clustering algorithm, and then the new sample point y is processed based on a Mini BatchK-Means algorithm to obtain a clustering cluster. In order to improve the accuracy of the algorithm, the Mini BatchK-Means algorithm can be adopted for processing for multiple times to obtain different random sampling sets to obtain clustering clusters, and the optimal clustering cluster is selected. In addition, CART trees can be set based on CART algorithms, which are very easy to overfit to the training set, resulting in poor generalization ability. In the method provided by the embodiment of the invention, in the application process of the CART algorithm, abnormal data in a training sample is detected by a post pruning method, unknown data with low accuracy rate are pruned, trees grown in a training set are pruned by using an independent verification data set, the prediction effect after pruning is tested by using cross verification, and the pruned tree with the best generalization prediction effect is selected as the final CART tree. The prediction model can be set in a parallel classification mode through the three algorithms, namely the three algorithms are trained through training samples and then combined with the three prediction results to determine the final prediction result. The CART tree can be used as a final prediction model, the prediction result of the CART tree is used as a prediction result, in the training process, other two-class algorithms are used for carrying out data processing on the training samples, and the processed data are used as training data of the CART tree.
It should be noted that the specific setting manner of the prediction model provided by the method provided by the embodiment of the present invention is only to better illustrate one embodiment provided by the method provided by the embodiment of the present invention, and in a specific implementation process, the prediction model may be set in combination with other clustering algorithms and other combination manners, without affecting the implementation function of the method provided by the embodiment of the present invention. The method provided by the embodiment of the invention aims to improve the accuracy of the prediction result by combining the advantages of various clustering algorithms.
If the prediction result represents that the settlement information is compliance information, the settlement information is sent to an auditor so that the auditor can manually audit the settlement information;
in the method provided by the embodiment of the invention, if the prediction result output by the prediction model is that the settlement information is compliance information, the settlement information is sent to the auditor, specifically, the settlement information can be sent in a form of mail or can be sent through a system account number so as to prompt the auditor to manually audit the settlement information.
In the method provided by the embodiment of the invention, if the prediction result output by the prediction model is that the settlement information is not the compliance information, the foreign exchange settlement request is determined not to be the compliance request.
And acquiring a manual review result corresponding to the settlement information, and if the manual review result indicates that the settlement information passes the manual review, determining that the foreign exchange settlement request is a compliance request.
In the method provided by the embodiment of the invention, after the auditor audits the settlement information, the manual audit result corresponding to the settlement information can be sent to the server. And if the manual review result represents that the review is passed, determining that the foreign exchange settlement request is a compliance request. And if the manual review result representation does not pass the review, determining that the foreign exchange settlement request is not a compliance request.
The method provided by the embodiment of the invention can set a prediction model based on various clustering algorithms, can improve the prediction accuracy, improves the accuracy of judging whether the foreign exchange settlement request is compliant or not, and is favorable for avoiding foreign exchange settlement for transacting illegal transactions. And secondly, the auditor can further audit the settlement information, so that the accuracy of judging whether the foreign exchange settlement request is in compliance can be further improved, and the transaction validity is guaranteed.
Further, on the basis of the method shown in fig. 1, an embodiment of the present invention provides another foreign exchange settlement method, where the process of determining the check information corresponding to the user in step S103 includes:
determining identity information corresponding to the user;
in the method provided by the embodiment of the invention, the identity and the employment unit name corresponding to the user can be obtained from the foreign exchange settlement request, the identity can be information such as name, identification card number and the like, and the identity and the employment unit name corresponding to the user are taken as the identity information corresponding to the user.
Acquiring labor contract information and foreign exchange transaction information corresponding to the user based on the identity information; and taking the labor contract information and the foreign exchange transaction information as the checking information.
In the method provided by the embodiment of the invention, the information management system of the enterprise institution corresponding to the user, namely the information management system of the employment unit of the user, can be determined based on the name of the employment unit of the user, and the corresponding labor contract information, such as the contract validity period, the salary amount and other information can be obtained from the system by the identity of the user. Based on the user's identity, the foreign exchange transaction information corresponding to the user, such as foreign exchange settlement records, foreign exchange settlement periods, etc., can be obtained from the information management system of the supervision authorities such as the foreign exchange administration. And taking the obtained labor contract information and the foreign exchange transaction information as the corresponding checking information of the user.
Based on the method provided by the embodiment of the invention, the bank server can acquire the related checking information from each related information management system based on a networking mechanism, and a user does not need to provide a large amount of proof materials, so that the convenience of handling business by the user can be improved, and the service experience of the user is further improved.
Further, on the basis of the method shown in fig. 1, an embodiment of the present invention provides another foreign exchange settlement method, where the method provided in the embodiment of the present invention further includes:
and if the foreign exchange settlement request is not a compliance request, determining abnormal information corresponding to the foreign exchange settlement request, and sending the abnormal information to the user.
In the method provided by the embodiment of the present invention, in the determination process of step S102, if it is determined that the foreign exchange settlement request is not a compliance request, an alarm is given in time, abnormal information corresponding to the foreign exchange settlement request is determined, and the abnormal information is fed back to the user, for example, the reason of non-compliance. The user can inquire the information of the checking progress, the processing state, the processing result and the like of the foreign exchange settlement request at the front end, and can also receive the abnormal information through the front end, wherein the received abnormal information also represents that the current foreign exchange settlement application is not handled. After receiving the abnormal information, the user can modify the previously submitted information through the front end according to the abnormal information so as to resend the foreign exchange settlement request.
Based on the method provided by the embodiment of the invention, when the foreign exchange settlement request is not in compliance, the corresponding abnormal information can be fed back to the user in time, so that the user can modify the information conveniently, and the service experience of the user can be further improved.
To better explain the method provided by the embodiment of the present invention, on the basis of the method shown in fig. 1, the embodiment of the present invention provides another foreign exchange settlement method, a flow chart of the method is shown in fig. 2, and the method provided by the embodiment of the present invention further includes:
s106: and determining a foreign exchange settlement record corresponding to the settlement information, and sending the foreign exchange settlement record to the block chain network.
In the method provided by the embodiment of the invention, after the foreign exchange settlement transaction is carried out based on the settlement information, a corresponding foreign exchange settlement record can be generated and sent to the block chain network.
Based on the method provided by the embodiment of the invention, the foreign exchange settlement record can be fed back to the blockchain network for storage, so that each participant corresponding to the blockchain network can obtain the relevant information of the transaction through the blockchain network.
Further, on the basis of the above embodiment, an embodiment of the present invention provides another foreign exchange settlement method, where the method further includes:
and the block chain network sends the settlement information, the checking information, the auditing result and the foreign exchange settlement record to a supervision agency.
In the method provided by the embodiment of the invention, the blockchain network can store various types of received foreign exchange settlement transaction related information, such as settlement information, processing progress, foreign exchange settlement records, verification information and the like. And when the foreign exchange settlement transaction corresponding to the foreign exchange settlement request is completed, the block chain nodes corresponding to the monitoring system in the block chain network can push the settlement information, the checking information, the auditing result, the foreign exchange settlement record and other information of the foreign exchange settlement transaction to the monitoring system according to the subscription requirement, so that a monitoring person can monitor the foreign exchange settlement transaction.
Based on the method provided by the embodiment of the invention, a supervision mechanism can obtain the relevant information of the foreign exchange settlement transaction through the block chain, can supervise the foreign exchange settlement transaction on line, supervise whether the bank has illegal approval behaviors or not in real time, and monitor whether the user and the enterprise have bad transaction behaviors, such as foreign exchange settlement frequency abnormity and the like, and can process the abnormal behavior in time when the abnormity is found.
Further, in the method provided by the embodiment of the present invention, besides the foreign exchange settlement system and the supervision system of the supervision entity, the related system of each enterprise entity may also be connected to the blockchain network, and correspond to each blockchain link point in the blockchain network. Each enterprise organization may also obtain information about the foreign exchange settlement transactions of its enterprise employees from the blockchain network. The bank can also obtain the relevant information of the foreign exchange settlement transaction from the blockchain network so as to monitor the fund flow.
Furthermore, in the method provided by the embodiment of the invention, the participating parties such as enterprise institutions and the like can directly upload materials such as relevant labor contracts and the like to the foreign exchange settlement system.
In a specific application scenario, in the method provided by the embodiment of the present invention, various information is obtained in a flexible manner. Next, with reference to an actual application scenario, an embodiment of the present invention provides another foreign exchange settlement method.
In the method provided by the embodiment of the invention, the user A wants to apply for foreign exchange settlement without occupying personal quota, the bank B and the enterprise C sign a personal quota settlement agreement, and the user A and the enterprise C sign a labor contract. Under the condition of meeting the supervision condition, a list access mode is adopted, namely the enterprise organization C provides the list of the employees to the bank B, and the employees in the list can enjoy a mechanism without occupying personal amount.
The user A can upload the foreign exchange settlement request through the front end, and the enterprise organization C also uploads the relevant labor contract equivalent data. The fx settlement system may preliminarily predict whether the information uploaded by the user a and the information uploaded by the enterprise C are compliant based on the prediction model, that is, whether the current fx settlement request is compliant. The user A and the enterprise organization C can check the corresponding labor contract equivalent data, the application material corresponding to the foreign exchange settlement request, the processing progress of the request and other information in the system. And if the foreign exchange settlement request is in compliance, sending the related information to the block chain network to trigger the intelligent contract to be checked, and if the foreign exchange settlement request is in compliance, handling the related foreign exchange settlement transaction. If the request is not in compliance or the audit is not passed, the current processing process is ended, and the current foreign exchange settlement application is not processed.
Further, on the basis of the above embodiment, the user a may submit a request form of material to the enterprise organization C through the foreign exchange settlement system, and the enterprise organization C may upload relevant material such as receipt credentials after receiving the request form, and if the system receives the relevant material such as receipt credentials, the system may trigger the smart contract in the block chain network to perform auditing based on the material, and if the relevant material is not received, the current processing procedure is ended, and the foreign exchange settlement is not handled.
Corresponding to the foreign exchange settlement method shown in fig. 1, an embodiment of the present invention further provides a foreign exchange settlement apparatus, which is used for implementing the method shown in fig. 1, and a schematic structural diagram of the foreign exchange settlement apparatus is shown in fig. 3, and includes:
a first determining unit 201, configured to determine, when a foreign exchange settlement request sent by a user is received, settlement information corresponding to the foreign exchange settlement request;
a determining unit 202, configured to determine whether the foreign exchange settlement request is a compliance request according to the settlement information and a preset prediction model;
a second determining unit 203, configured to determine, if the foreign exchange settlement request is a compliance request, checking information corresponding to the user;
an auditing unit 204, configured to send the settlement information and the checking information to a block chain network, so that the block chain network audits the foreign exchange settlement request based on the settlement information and the checking information;
and the settlement unit 205 is configured to obtain an audit result corresponding to the foreign exchange settlement request, and perform foreign exchange settlement based on the settlement information if the audit result indicates that the foreign exchange settlement request passes the audit.
Based on the device provided by the embodiment of the invention, a user can send a foreign exchange settlement request to the server through various front ends, and when the server receives the foreign exchange settlement request sent by the user, the server can determine the corresponding settlement information and judge whether the request is a compliance request. If the request is a compliance request, checking information corresponding to the user is determined, and the settlement information and the checking information are sent to the block chain network, so that the block chain network can check the foreign exchange settlement request, and if the request passes the check, corresponding foreign exchange settlement is carried out. By applying the device provided by the embodiment of the invention, a user can send a foreign exchange settlement request to transact foreign exchange settlement service at any time and any place, the server can complete information verification and service transaction on line, the user does not need to go to a website counter, the transaction process of the foreign exchange settlement service is simpler and more convenient, the service transaction convenience is higher, and the service experience of the user can be improved. And secondly, the checking materials of the user can be obtained by the server, the materials required by the user are simple, the convenience of business handling is further improved, and the service experience of the user can be further improved.
On the basis of the apparatus provided in the foregoing embodiment, in the apparatus provided in the embodiment of the present invention, the first determining unit 201 includes:
the identification subunit is configured to acquire a material picture uploaded by the user from the foreign exchange settlement request, perform character identification on the material picture, and acquire authentication information corresponding to the user;
the first acquisition subunit is used for acquiring the settlement information input by the user from the foreign exchange settlement request; and taking the authentication information and the settlement information as the settlement information.
On the basis of the apparatus provided in the foregoing embodiment, in the apparatus provided in the embodiment of the present invention, the determining unit 202 includes:
the input subunit is used for inputting the settlement information into the preset prediction model and acquiring a prediction result output by the preset prediction model; the preset prediction model is a classification model set based on a plurality of clustering algorithms;
the sending subunit is configured to send the settlement information to an auditor if the prediction result indicates that the settlement information is compliance information, so that the auditor performs manual audit on the settlement information;
and the first determining subunit is configured to obtain a manual review result corresponding to the settlement information, and determine that the foreign exchange settlement request is a compliance request if the manual review result indicates that the settlement information passes the manual review.
On the basis of the apparatus provided in the foregoing embodiment, in the apparatus provided in an embodiment of the present invention, the second determining unit 203 includes:
the second determining subunit is used for determining the identity information corresponding to the user;
the second acquiring subunit is used for acquiring labor contract information and foreign exchange transaction information corresponding to the user based on the identity information; and taking the labor contract information and the foreign exchange transaction information as the checking information.
On the basis of the device provided by the above embodiment, the device provided by the embodiment of the present invention further includes:
and the first sending unit is used for determining abnormal information corresponding to the foreign exchange settlement request and sending the abnormal information to the user if the foreign exchange settlement request is not a compliance request.
On the basis of the apparatus shown in fig. 3, another foreign exchange settlement apparatus according to an embodiment of the present invention is provided, and a schematic structural diagram of the apparatus is shown in fig. 4, and the apparatus according to an embodiment of the present invention further includes:
a second sending unit 206, configured to determine a foreign exchange settlement record corresponding to the settlement information after foreign exchange settlement is performed based on the settlement information, and send the foreign exchange settlement record to the blockchain network.
On the basis of the device provided by the above embodiment, the device provided by the embodiment of the present invention further includes:
and the third sending unit is used for sending the settlement information, the checking information, the auditing result and the foreign exchange settlement record to a monitoring mechanism by the block chain network.
The embodiment of the invention also provides a storage medium, which comprises stored instructions, wherein when the instructions are executed, the equipment where the storage medium is located is controlled to execute the foreign exchange settlement method.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 5, which specifically includes a memory 301 and one or more instructions 302, where the one or more instructions 302 are stored in the memory 301 and configured to be executed by one or more processors 303 to perform the following operations for the one or more instructions 302:
when a foreign exchange settlement request sent by a user is received, determining settlement information corresponding to the foreign exchange settlement request;
judging whether the foreign exchange settlement request is a compliance request or not according to the settlement information and a preset prediction model;
if the foreign exchange settlement request is a compliance request, determining checking information corresponding to the user;
sending the settlement information and the checking information to a block chain network, so that the block chain network verifies the foreign exchange settlement request based on the settlement information and the checking information;
and acquiring an audit result corresponding to the foreign exchange settlement request, and performing foreign exchange settlement based on the settlement information if the audit result represents that the foreign exchange settlement request passes the audit.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
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