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1. (WO2018176179) RAPID SETTLEMENT METHOD FOR CROSS-BORDER PAYMENT BASED ON BIG CREDIT DATA

Pub. No.:    WO/2018/176179    International Application No.:    PCT/CN2017/000351
Publication Date: Fri Oct 05 01:59:59 CEST 2018 International Filing Date: Sat May 13 01:59:59 CEST 2017
IPC: G06Q 20/08
Applicants: HANGZHOU PINGPONG INTELLECTUAL TECHNOLOGY CO., LTD.
杭州呯嘭智能技术有限公司
Inventors: XIONG, Wei
熊伟
CHEN, Yu
陈宇
LU, Shuai
芦帅
WANG, Ning
汪宁
CHEN, Peng
陈鹏
Title: RAPID SETTLEMENT METHOD FOR CROSS-BORDER PAYMENT BASED ON BIG CREDIT DATA
Abstract:
Disclosed is a rapid settlement method for cross-border payment based on big credit data. In the present invention, based on big historical transaction data accumulated on an e-commerce platform by a merchant, a commodity and a customer, assessment is performed on the transaction risk using an artificial intelligence method. With regard to a transaction with a low assessment risk, an advance payment on account mode of a third-party platform is used to settle capital to a domestic account of a merchant in advance, so as to avoid tedious procedures of a conventional clearing and settlement mode which needs to wait for the customer to confirm transaction completion, e-commerce platform account period completion, e-commerce settlement to a third-party platform and third-party platform clearing to the domestic account of the merchant via a bank. On the premise that the payment on account risk is controlled, the beneficial effects of simplifying a cross-border capital clearing and settlement procedure for a merchant, increasing third-party payment clearing and settlement efficiency, shortening a merchant capital accounting date, increasing the merchant capital turnover efficiency, reducing an exchange rate change risk caused by an excessively long conventional settlement period, and reducing the business risk of a merchant are achieved.