CN107103462A - A kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank - Google Patents
A kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank Download PDFInfo
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- CN107103462A CN107103462A CN201710243840.4A CN201710243840A CN107103462A CN 107103462 A CN107103462 A CN 107103462A CN 201710243840 A CN201710243840 A CN 201710243840A CN 107103462 A CN107103462 A CN 107103462A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/16—Payments settled via telecommunication systems
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention provides a kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank, it is related to microcomputer data processing field.Method includes：Receive the cross-border money transfer request information that client is sent by terminal device；According to the corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account inquiry client's remittance account, and cross-border money transfer transactions SNAPSHOT INFO is sent to terminal device, to cause terminal device to show, the cross-border money transfer transactions of one to multiple bar of client's remittance account in cross-border money transfer transactions SNAPSHOT INFO are recorded；Receive the remittance information that client is sent by terminal device；Client's remittance key element is converted into message remittance key element, and obtains from the cross-border money transfer transactions of customer selecting record message converge road information, message is remitted money into key element and message converges road information and is assembled into cross-border remittance message；Cross-border remittance message is sent to receiving row server；Store the incidence relation of client's remittance key element, message remittance key element and message remittance road information.
Description
Technical field
The present invention relates to the place in microcomputer data processing field, more particularly to a kind of cross-border remittance snapshot data of bank
Manage method and apparatus.
Background technology
Currently, as economy and finance globalization and China's opening deepen continuously, finance internationalization has turned into China's silver
The important trend and trend of industry development, promote the fast of the cross-border remittance of China's banking and cross-border payment and settlement field business
Speed development, the cross-border remittance typing service of this client to bank operated with the amended record of Batch Processing personnel's message propose it is higher will
Ask.Especially for the large bank that is commenced business in global multiple countries of needs, if can not effectively solve how client across
The problem of border remittance typing mends defeated automatically with message remittance road, causes very big by developing and popularization to the cross-border money transfer transactions of bank
Restriction.Wherein, cross-border remittance refers to bank client within defined quota limit, to the regional banks beyond China's Mainland
The payee opened an account carries out the business of remittance in foreign currencies.
At present, in cross-border money transfer process, foreground client needs typing remittance application, by backstage teller by remittance key element
Information is converted into message key element, and amended record message converges road information, and the cross-border message mode of manual typing traditional at present exist it is more
The operation that problem, such as client fill in cross-border remittance application in cabinet face is extremely cumbersome, and typing key element is more, and in remittance next time
The cross-border remittance application can not be reused during to same client.In addition, though thering is snap shot to subtract by electronic channel
Change client typing remittance key element, but each electronic channel snapshot contents be difficult to it is shared use, such as client Net silver channel initiate it is fast
According to can not then be used in Mobile banking's channel, customer experience effect is poor, and ease for use is low.In addition, the front and rear number of units of current bank
It is believed that breath is isolated, the remittance element information of foreground typing can not be automatically converted into message key element for backstage teller and carry out cross-border converge
Money, and banking personnel need to be converted into message information by hand according to the information of foreground typing, and can not automatic linkage message
Remittance road information, banking personnel are needed by pen according to account Hang Hui roads information in the middle of gathering row, payee account acknowledgment of your inquiry,
Same client is required for being re-converted into message information and query message remittance road letter every time to the multiple remittance of identical payee
Breath, operation flow is longer, cumbersome, and the consumption useless time is long.It can be seen that, current cross-border money transfer process exists more artificial dry
Relate to, and whole flow process very complicated so that whole cross-border money transfer process is slower.
The content of the invention
Embodiments of the invention provide a kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank, current to solve
Cross-border money transfer process there is more artificial interference, and whole flow process very complicated so that whole cross-border money transfer process is slower
The problem of.
To reach above-mentioned purpose, the present invention is adopted the following technical scheme that：
A kind of processing method of the cross-border remittance snapshot data of bank, including：
Receive the cross-border money transfer request information that client is sent by terminal device；The cross-border money transfer request information includes visitor
Family remittance account；
The corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account is inquired about according to client remittance account, and
The cross-border money transfer transactions SNAPSHOT INFO is sent to the terminal device, cross-border remittance is handed over to cause the terminal device to show
The cross-border money transfer transactions record of one to multiple bar of client's remittance account described in easy SNAPSHOT INFO；
Receive the remittance information that client is sent by terminal device；The remittance information includes client's remittance key element, described
What information and client in cross-border money transfer transactions record of client's remittance key element including customer selecting were filled in by terminal device
Side information；
Client remittance key element is converted into message remittance key element, and from the cross-border money transfer transactions record of customer selecting
Message remittance road information is obtained, message remittance key element and message remittance road information are assembled into cross-border remittance message；
The cross-border remittance message is sent to receiving row server；
Store the incidence relation of client's remittance key element, message remittance key element and message remittance road information.
Further, after the remittance information that client is sent by terminal device is received, including：
, will to each client remittance in the remittance information according to each client remittance key element format information pre-set
Element carries out format checking；
, will according to each client remittance after each client remittance key element in the remittance information carries out format checking success
Element forms remittance return, and the remittance return is printed.
Specifically, inquiring about the corresponding cross-border money transfer transactions snapshot of client's remittance account according to client remittance account
Information, including：
The corresponding customer information numbering of client's remittance account prestored is obtained according to client remittance account；
Numbered according to the customer information, inquire about the customer information and number corresponding cross-border money transfer transactions SNAPSHOT INFO；
The cross-border money transfer transactions SNAPSHOT INFO includes business factor information and the traffic use information of each business factor；Institute
Stating business factor information includes customer information numbering, remittance element information and message element information；The remittance key element letter
Breath include remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, collect money every trade number,
Gathering row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；The message
Element information include 50 sender informations, row information in the middle of 56,57 gathering row informations, 59 receiver informations, 70
Client's postscript information and 72 bank's postscript information.
Specifically, client remittance key element is converted into message remittance key element, and handed over from the cross-border remittance of customer selecting
Message remittance road information is obtained in easy record, message remittance key element and message remittance road information are assembled into cross-border remittance message, including：
Type of message numbering is obtained from the remittance information, and the message class is inquired about according to type of message numbering
Type numbers corresponding message transformation rule；
According to the incidence relation of the client's remittance key element, message remittance key element and message remittance road information pre-set, and
The type of message numbers corresponding message transformation rule, and client's remittance key element is converted into message remittance key element, and by message
Remittance key element is converted into cross-border remittance message remittance key element field；
According to message remittance road information and cross-border remittance message remittance key element field, message remittance key element and message are converged
Road information is assembled into cross-border remittance message.
Specifically, the cross-border remittance message is sent to receiving row server, including：
The message pre-set from the cross-border remittance Receive message sends parameter automatically；
Parameter is sent according to the message automatically, determines whether the cross-border remittance message needs to be checked；
If the cross-border remittance message needs to be checked, the cross-border remittance message is sent to after pre-setting
Cabinet person is checked in queue；
If the cross-border remittance message need not be checked, the cross-border remittance message is automatically sent to receiving row
Server.
Specifically, storing the incidence relation of client's remittance key element, message remittance key element and message remittance road information, bag
Include：
Remitter's account, currency type information, gathering every trade in customer information numbering and client's remittance key element
Number and payee account, inquire about the snapshot key assignments that pre-sets；
If successful query is to the snapshot key assignments, by client's remittance key element, message remittance key element and message remittance road information
Incidence relation is updated processing, is recorded with updating cross-border money transfer transactions；
If inquiring about the snapshot key assignments failure, the pass for key element, message remittance key element and message remittance road information that client is remitted money
Connection relation carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions record.
A kind of processing unit of the cross-border remittance snapshot data of bank, including：
Cross-border money transfer request information receiving unit, believes for receiving the cross-border money transfer request that client is sent by terminal device
Breath；The cross-border money transfer request information includes client's remittance account；
Cross-border money transfer transactions Snapshot query unit, for inquiring about client's remittance account according to client remittance account
Corresponding cross-border money transfer transactions SNAPSHOT INFO, and the cross-border money transfer transactions SNAPSHOT INFO is sent to the terminal device, with
So that the terminal device shows the cross-border remittance of one to multiple bar of the remittance account of client described in cross-border money transfer transactions SNAPSHOT INFO
Transaction record；
Remittance information receiving unit, for receiving the remittance information that client is sent by terminal device；The remittance information
Including client's remittance key element, client's remittance key element includes information and visitor in the cross-border money transfer transactions record of customer selecting
The side information that family is filled in by terminal device；
Cross-border remittance message module units, for client remittance key element to be converted into message remittance key element, and from visitor
Message remittance road information is obtained in the cross-border money transfer transactions record that family is selected, message remittance key element and message remittance road information are assembled into
Cross-border remittance message；
Cross-border remittance packet sending unit, for the cross-border remittance message to be sent to receiving row server；
Memory cell, for storing client's remittance key element, message remittance key element and the association pass of message remittance road information
System.
Further, the processing unit of the cross-border remittance snapshot data of the bank, in addition to：
Format checking unit, for according to each client remittance key element format information pre-set, to the remittance letter
Each client remittance key element in breath carries out format checking；
Remittance return generation unit, format checking is carried out for each client remittance key element in the remittance information
After success, according to each client remittance key element formation remittance return, and the remittance return is printed.
Specifically, the cross-border money transfer transactions Snapshot query unit, including：
Customer information numbering enquiry module, for obtaining the client prestored remittance account according to client remittance account
Number corresponding customer information numbering；
Cross-border money transfer transactions Snapshot query module, for being numbered according to the customer information, inquires about the customer information and compiles
Number corresponding cross-border money transfer transactions SNAPSHOT INFO；
Wherein, the cross-border money transfer transactions SNAPSHOT INFO includes the traffic use letter of business factor information and each business factor
Breath；The business factor information includes customer information numbering, remittance element information and message element information；The remittance will
Prime information includes remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, gathering row
Line number, gathering row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；Institute
Stating message element information includes row information, 57 gathering row informations, 59 payee's letters in the middle of 50 sender informations, 56
Breath, 70 client's postscript information and 72 bank's postscript information.
Specifically, the cross-border remittance message module units, including：
Message transformation rule enquiry module, for obtaining type of message numbering from the remittance information, and according to described
The type of message numbering inquiry type of message numbers corresponding message transformation rule；
Key element modular converter, for according to the client's remittance key element pre-set, message remittance key element and message remittance road letter
The incidence relation of breath, and the type of message number corresponding message transformation rule, and client's remittance key element is converted into message
Remittance key element, and message remittance key element is converted into cross-border remittance message remittance key element field；
Cross-border remittance message assembling module, for according to message remittance road information and cross-border remittance message remittance key element word
Section, cross-border remittance message is assembled into by message remittance key element and message remittance road information.
Specifically, the cross-border remittance packet sending unit, including：
Message sends parameter acquisition module automatically, and the message for being pre-set from the cross-border remittance Receive message is automatic
Send parameter；
Cross-border remittance Message processing judge module, for sending parameter automatically according to the message, determines the cross-border remittance
Whether money message, which needs, is checked；
It is cross-border remittance message review module, for it is described it is cross-border remittance message need to be checked when, will be described cross-border
Remittance message, which is sent to the backstage teller pre-set, to be checked in queue；
Cross-border remittance message sending module, for when the cross-border remittance message need not be checked, will it is described across
Border remittance message is automatically sent to row server of receiving telegraph.
Specifically, the memory cell, including：
Snapshot key assignments enquiry module, acknowledges a debt for the remittance in key element of being remitted money according to customer information numbering and client
Number, currency type information, gathering every trade number and payee account, inquire about the snapshot key assignments pre-set；
Cross-border money transfer transactions record update module, for when successful query is to the snapshot key assignments, client's remittance to be wanted
The incidence relation of element, message remittance key element and message remittance road information is updated processing, is recorded with updating cross-border money transfer transactions；
The newly-increased module of cross-border money transfer transactions record, for when inquiring about the snapshot key assignments failure, by client remit money key element,
The incidence relation of message remittance key element and message remittance road information carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions to remember
Record.
A kind for the treatment of method and apparatus of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention, receives visitor first
The cross-border money transfer request information that family is sent by terminal device；The cross-border money transfer request information includes client's remittance account；Root
The corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account is inquired about according to client remittance account, and will be described cross-border
Money transfer transactions SNAPSHOT INFO is sent to the terminal device, to cause the terminal device to show cross-border money transfer transactions SNAPSHOT INFO
Described in client's remittance account one to multiple bar cross-border money transfer transactions record；Receive the remittance letter that client is sent by terminal device
Breath；The remittance information includes client's remittance key element, and the cross-border money transfer transactions that client's remittance key element includes customer selecting are remembered
The side information that information and client in record are filled in by terminal device；Client remittance key element is converted into message remittance
Key element, and message remittance road information is obtained from the cross-border money transfer transactions record of customer selecting, message remittance key element and message are converged
Road information is assembled into cross-border remittance message；The cross-border remittance message is sent to receiving row server；The client is stored to converge
The incidence relation of money key element, message remittance key element and message remittance road information.It can be seen that, the application believes according to cross-border money transfer transactions snapshot
Breath, and according to the incidence relation of client's remittance key element, message remittance key element and message remittance road information, cross-border remittance can be automatically generated
Money message content, is handled with reducing the cross-border remittance typing operation of client and the artificial amended record message information in backstage, effectively improved
The efficiency of cross-border remittance, can solve current cross-border money transfer process and there is more artificial interference, and whole flow process is cumbersome multiple
It is miscellaneous so that the problem of entirely cross-border money transfer process is slower.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the accompanying drawing used required in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, may be used also
To obtain other accompanying drawings according to these accompanying drawings.
Fig. 1 is a kind of flow chart one of the processing method of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention；
Fig. 2 is a kind of flowchart 2 of the processing method of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention；
Fig. 3 is a kind of structural representation of the processing unit of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention
One；
Fig. 4 is a kind of structural representation of the processing unit of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention
Two.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
As shown in figure 1, the embodiment of the present invention provides a kind of processing method of the cross-border remittance snapshot data of bank, including：
The cross-border money transfer request information that step 101, reception client are sent by terminal device.
Wherein, the cross-border money transfer request information includes client's remittance account.
It is fast that step 102, account of being remitted money according to the client inquire about the client corresponding cross-border money transfer transactions of account of remitting money
The terminal device is sent to according to information, and by the cross-border money transfer transactions SNAPSHOT INFO, to cause the terminal device to show
The cross-border money transfer transactions record of one to multiple bar of the remittance account of client described in cross-border money transfer transactions SNAPSHOT INFO.
The remittance information that step 103, reception client are sent by terminal device；The remittance information includes client's remittance will
Information and client in element, cross-border money transfer transactions record of the client's remittance key element including customer selecting pass through terminal device
The side information filled in.
Step 104, client remittance key element is converted into message remittance key element, and handed over from the cross-border remittance of customer selecting
Message remittance road information is obtained in easy record, message remittance key element and message remittance road information are assembled into cross-border remittance message.
In this application, message remittance road information refers to that fund is clear between remittance abroad bank and receiving bank in cross-border money transfer process
Each node path information passed through is calculated, is transmission and reception, the calculating of credit and debt and confirmation, fund that interbank carries out message
The reconciliation of contact such as checks and writes off at a series of operating path of programs.In this application can with automatic decision payee bank of deposit whether be
The agency of branch or proxied row or system for settling account ginseng is belonged to together in branch in group of industrial and commercial bank, group of industrial and commercial bank
With the relation such as row, and the priority rule set according to business personnel supplements the remittance road information of cross-border remittance.Group of industrial and commercial bank passes through
Extensive country covering the whole world and the Settlement Network Problem by Using in area, system can realize that support is gone to whole process institute of payee bank of deposit from transmitting messages
The remittance road for having node is led directly to, also can prioritizing selection remittance circuit node Duan Hui roads information automatically.
Step 105, by it is described it is cross-border remittance message send to receiving row server.
Step 106, the incidence relation for storing client's remittance key element, message remittance key element and message remittance road information.
A kind of processing method of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention, receives client and passes through first
The cross-border money transfer request information that terminal device is sent；The cross-border money transfer request information includes client's remittance account；According to described
Client's remittance account inquires about the corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account, and the cross-border remittance is handed over
Easy SNAPSHOT INFO is sent to the terminal device, to cause the terminal device to show described in cross-border money transfer transactions SNAPSHOT INFO
The cross-border money transfer transactions record of one to multiple bar of client's remittance account；Receive the remittance information that client is sent by terminal device；Institute
Stating remittance information includes client's remittance key element, and client's remittance key element is included in the cross-border money transfer transactions record of customer selecting
The side information that information and client are filled in by terminal device；Client remittance key element is converted into message remittance key element,
And message remittance road information is obtained from the cross-border money transfer transactions record of customer selecting, by message remittance key element and message remittance road information
It is assembled into cross-border remittance message；The cross-border remittance message is sent to receiving row server；Store client remittance key element,
The incidence relation of message remittance key element and message remittance road information.It can be seen that, the application according to cross-border money transfer transactions SNAPSHOT INFO, and
The incidence relation for the key element, message remittance key element and message remittance road information of being remitted money according to client, can automatically generate cross-border remittance message
Content, is handled with reducing the cross-border remittance typing operation of client and the artificial amended record message information in backstage, effectively improves cross-border remittance
The efficiency of money, can solve current cross-border money transfer process and there is more artificial interference, and whole flow process very complicated so that
The problem of entirely cross-border money transfer process is slower.
In order that those skilled in the art is better understood by the present invention, a more detailed embodiment is set forth below,
As shown in Fig. 2 the embodiment of the present invention provides a kind of processing method of the cross-border remittance snapshot data of bank, including：
The cross-border money transfer request information that step 201, reception client are sent by terminal device.
Wherein, the cross-border money transfer request information includes client's remittance account.
Herein, the terminal device can be the computer of bank counter, or the terminal with Net silver, Mobile banking
Equipment, or cross-border remittance self-help terminal equipment etc..
Step 202, the corresponding customer information of client's remittance account prestored according to client remittance account acquisition
Numbering.
Step 203, numbered according to the customer information, inquiring about the customer information, to number corresponding cross-border money transfer transactions fast
According to information.
Specifically, the cross-border money transfer transactions SNAPSHOT INFO includes business factor information and the traffic use of each business factor
Information；The business factor information includes customer information numbering, remittance element information and message element information；The remittance
Element information includes remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, gathering
Every trade number, gathering row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；
The message element information includes 50 sender informations, 56 middle row informations, 57 gathering row informations, 59 payees' letters
Breath, 70 client's postscript information and 72 bank's postscript information.
Wherein, above-mentioned cross-border money transfer transactions SNAPSHOT INFO can be with as shown in table 1 below：
Table 1：
Wherein, SWIFT messages are made up of header, text, telegram end, and designate one kind of transmit messages bank and receiving bank
Message.
Step 204, the cross-border money transfer transactions SNAPSHOT INFO is sent to the terminal device, to cause the terminal to set
The standby cross-border money transfer transactions record of the one to multiple bar for showing the account of client's remittance described in cross-border money transfer transactions SNAPSHOT INFO.
The remittance information that step 205, reception client are sent by terminal device.
Wherein, the remittance information includes client's remittance key element, and client's remittance key element includes the cross-border of customer selecting
Information in money transfer transactions record is (in the cross-border money transfer transactions record such as remitter's account, remitter's name in an account book, remitter address
Original information) and client filled in by terminal device side information (such as money transfer amount, remittance client's postscript client
The information rewritten).
Step 206, key element format information of being remitted money according to each client pre-set, to each visitor in the remittance information
Family remittance key element carries out format checking.
Herein, each client's remittance key element format information can be pre-set, i.e., the input control of each client's remittance key element
The relations such as system, form, length can be with as shown in table 2 below, but is not only limited to this：
Table 2：
Step 207, to it is described remittance information in each client remittance key element carry out format checking success after, according to each visitor
Family remittance key element formation remittance return, and the remittance return is printed.
Step 208, the acquisition type of message numbering from the remittance information, and according to type of message numbering inquiry institute
State type of message and number corresponding message transformation rule.
Herein, the message transformation rule can be pre-set, such as shown in table 3 below, list several messages
Processing rule：
Table 3：
Step 209, the association pass according to the client's remittance key element, message remittance key element and message remittance road information pre-set
System, and the type of message number corresponding message transformation rule, and client's remittance key element is converted into message remittance key element, and
Message remittance key element is converted into cross-border remittance message remittance key element field.
Step 210, converge according to the message road information and cross-border remittance message and remit money key element field, message is remitted money key element
Cross-border remittance message is assembled into message remittance road information.
Step 211, the message pre-set from the cross-border remittance Receive message send parameter automatically.
It can be according to remittance currency type, money transfer amount, payee bank of deposit, payee that message herein sends parameter automatically
Account, the key element such as special keyword is set, so as to control message to be automatic send or landing checks processing.
Step 212, parameter sent according to the message automatically, determine whether the cross-border remittance message needs to be answered
Core.
If the cross-border remittance message needs to be checked, step 213 is performed.Otherwise, if the cross-border remittance message
It need not be checked, then perform step 214.
Step 213, the cross-border remittance message sent to the backstage teller pre-set and check in queue, and on backstage
After teller is manually checked, cross-border remittance message is sent to receiving row server.
Step 214, by it is described it is cross-border remittance message be automatically sent to receive telegraph row server.
After step 213 and step 214, step 215 is performed.
Step 215, according to the customer information number and client remit money key element in remitter's account, currency type information,
Every trade number of collecting money and payee account, inquire about the snapshot key assignments pre-set.
If snapshot key assignments can be inquired in the local database herein, then it represents that there are client's remittance in local data base
Remitter's account, currency type information, gathering every trade number cross-border money transfer transactions record corresponding with payee account in money key element.
The form of specific snapshot key assignments can be with as shown in table 4 below：
Table 4：
If step 216, successful query converge client's remittance key element, message remittance key element and message to the snapshot key assignments
The incidence relation of road information is updated processing, is recorded with updating cross-border money transfer transactions.
If step 217, inquiring about snapshot key assignments failure, remit money key element, message of client is remitted money into key element and message converges road
The incidence relation of information carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions record.
Here is snapshot case (this that a ZHANG SHANG carries out 10000 Canadian dollar remittances to TORONTO banks LI SI
Key element is only enumerated at place)：
The field information of cross-border money transfer transactions SNAPSHOT INFO is as shown in table 5 below：
Table 5：
The content of cross-border remittance message after assembling can be for shown in table 6 below：
Table 6：
A kind of processing method of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention, receives client and passes through first
The cross-border money transfer request information that terminal device is sent；The cross-border money transfer request information includes client's remittance account；According to described
Client's remittance account inquires about the corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account, and the cross-border remittance is handed over
Easy SNAPSHOT INFO is sent to the terminal device, to cause the terminal device to show described in cross-border money transfer transactions SNAPSHOT INFO
The cross-border money transfer transactions record of one to multiple bar of client's remittance account；Receive the remittance information that client is sent by terminal device；Institute
Stating remittance information includes client's remittance key element, and client's remittance key element is included in the cross-border money transfer transactions record of customer selecting
The side information that information and client are filled in by terminal device；Client remittance key element is converted into message remittance key element,
And message remittance road information is obtained from the cross-border money transfer transactions record of customer selecting, by message remittance key element and message remittance road information
It is assembled into cross-border remittance message；The cross-border remittance message is sent to receiving row server；Store client remittance key element,
The incidence relation of message remittance key element and message remittance road information.It can be seen that, the application according to cross-border money transfer transactions SNAPSHOT INFO, and
The incidence relation for the key element, message remittance key element and message remittance road information of being remitted money according to client, can automatically generate cross-border remittance message
Content, is handled with reducing the cross-border remittance typing operation of client and the artificial amended record message information in backstage, effectively improves cross-border remittance
The efficiency of money, can solve current cross-border money transfer process and there is more artificial interference, and whole flow process very complicated so that
The problem of entirely cross-border money transfer process is slower.
Corresponding to the embodiment of the method corresponding to above-mentioned Fig. 1 and Fig. 2, as shown in figure 3, the embodiment of the present invention provides a kind of silver
The processing unit of the cross-border remittance snapshot data of row, including：
Cross-border money transfer request information receiving unit 31, for receiving the cross-border money transfer request that client is sent by terminal device
Information；The cross-border money transfer request information includes client's remittance account.
Cross-border money transfer transactions Snapshot query unit 32, for inquiring about client's remittance account according to client remittance account
Number corresponding cross-border money transfer transactions SNAPSHOT INFO, and the cross-border money transfer transactions SNAPSHOT INFO is sent to the terminal device,
To cause the terminal device to show the cross-border remittance of one to multiple bar of the remittance account of client described in cross-border money transfer transactions SNAPSHOT INFO
Money transaction record.
Remittance information receiving unit 33, for receiving the remittance information that client is sent by terminal device；The remittance letter
Breath includes client's remittance key element, client remittance key element include customer selecting cross-border money transfer transactions record in information and
The side information that client is filled in by terminal device.
Cross-border remittance message module units 34, for client remittance key element to be converted into message remittance key element, and from
Message remittance road information is obtained in the cross-border money transfer transactions record of customer selecting, by message remittance key element and message remittance road information assembling
For cross-border remittance message.
Cross-border remittance packet sending unit 35, for the cross-border remittance message to be sent to receiving row server.
Memory cell 36, for storing client's remittance key element, message remittance key element and the association of message remittance road information
Relation.
Further, as shown in figure 4, the bank it is cross-border remittance snapshot data processing unit, in addition to：
Format checking unit 37, for according to each client remittance key element format information pre-set, to the remittance
Each client remittance key element in information carries out format checking.
Remittance return generation unit 38, row format inspection is entered for each client remittance key element in the remittance information
After looking into successfully, according to each client remittance key element formation remittance return, and the remittance return is printed.
Specifically, as shown in figure 4, the cross-border money transfer transactions Snapshot query unit 32, including：
Customer information numbering enquiry module 321, converges for obtaining the client prestored according to client remittance account
The corresponding customer information numbering of money account.
Cross-border money transfer transactions Snapshot query module 322, for being numbered according to the customer information, inquires about the customer information
Number corresponding cross-border money transfer transactions SNAPSHOT INFO.
Wherein, the cross-border money transfer transactions SNAPSHOT INFO includes the traffic use letter of business factor information and each business factor
Breath；The business factor information includes customer information numbering, remittance element information and message element information；The remittance will
Prime information includes remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, gathering row
Line number, gathering row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；Institute
Stating message element information includes row information, 57 gathering row informations, 59 payee's letters in the middle of 50 sender informations, 56
Breath, 70 client's postscript information and 72 bank's postscript information.
Specifically, as shown in figure 4, the cross-border remittance message module units 34, including：
Message transformation rule enquiry module 341, for obtaining type of message numbering from the remittance information, and according to institute
State the type of message numbering inquiry type of message and number corresponding message transformation rule.
Key element modular converter 342, for according to the client's remittance key element, message remittance key element and message remittance road pre-set
The incidence relation of information, and the type of message number corresponding message transformation rule, and client's remittance key element is converted into report
Text remittance key element, and message remittance key element is converted into cross-border remittance message remittance key element field.
Cross-border remittance message assembling module 343, for being wanted according to message remittance road information and cross-border remittance message remittance
Plain field, cross-border remittance message is assembled into by message remittance key element and message remittance road information.
Specifically, as shown in figure 4, it is described it is cross-border remittance packet sending unit 35, including：
Message sends parameter acquisition module 351 automatically, for the message pre-set from the cross-border remittance Receive message
It is automatic to send parameter.
Cross-border remittance Message processing judge module 352, for sending parameter automatically according to the message, is determined described cross-border
Whether remittance message needs to be checked.
Cross-border remittance message review module 353, for when the cross-border remittance message needs to be checked, will it is described across
Border remittance message, which is sent to the backstage teller pre-set, to be checked in queue.
Cross-border remittance message sending module 354, for when the cross-border remittance message need not be checked, by described in
Cross-border remittance message is automatically sent to row server of receiving telegraph.
Specifically, as shown in figure 4, the memory cell 36, including：
Snapshot key assignments enquiry module 361, for the remittance in key element of being remitted money according to customer information numbering and client
People's account, currency type information, gathering every trade number and payee account, inquire about the snapshot key assignments pre-set.
Cross-border money transfer transactions record update module 362, for when successful query is to the snapshot key assignments, client to be remitted money
The incidence relation of key element, message remittance key element and message remittance road information is updated processing, is recorded with updating cross-border money transfer transactions.
The cross-border newly-increased module 363 of money transfer transactions record, for when inquiring about the snapshot key assignments failure, client is remitted money will
The incidence relation of element, message remittance key element and message remittance road information carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions
Record.
A kind of processing unit of the cross-border remittance snapshot data of bank provided in an embodiment of the present invention, receives client and passes through first
The cross-border money transfer request information that terminal device is sent；The cross-border money transfer request information includes client's remittance account；According to described
Client's remittance account inquires about the corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account, and the cross-border remittance is handed over
Easy SNAPSHOT INFO is sent to the terminal device, to cause the terminal device to show described in cross-border money transfer transactions SNAPSHOT INFO
The cross-border money transfer transactions record of one to multiple bar of client's remittance account；Receive the remittance information that client is sent by terminal device；Institute
Stating remittance information includes client's remittance key element, and client's remittance key element is included in the cross-border money transfer transactions record of customer selecting
The side information that information and client are filled in by terminal device；Client remittance key element is converted into message remittance key element,
And message remittance road information is obtained from the cross-border money transfer transactions record of customer selecting, by message remittance key element and message remittance road information
It is assembled into cross-border remittance message；The cross-border remittance message is sent to receiving row server；Store client remittance key element,
The incidence relation of message remittance key element and message remittance road information.It can be seen that, the application according to cross-border money transfer transactions SNAPSHOT INFO, and
The incidence relation for the key element, message remittance key element and message remittance road information of being remitted money according to client, can automatically generate cross-border remittance message
Content, is handled with reducing the cross-border remittance typing operation of client and the artificial amended record message information in backstage, effectively improves cross-border remittance
The efficiency of money, can solve current cross-border money transfer process and there is more artificial interference, and whole flow process very complicated so that
The problem of entirely cross-border money transfer process is slower.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can be used in one or more computers for wherein including computer usable program code
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram are described.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which is produced, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Apply specific embodiment in the present invention to be set forth the principle and embodiment of the present invention, above example
Explanation be only intended to help to understand the method and its core concept of the present invention；Simultaneously for those of ordinary skill in the art,
According to the thought of the present invention, it will change in specific embodiments and applications, in summary, in this specification
Appearance should not be construed as limiting the invention.
Claims (12)
1. a kind of processing method of the cross-border remittance snapshot data of bank, it is characterised in that including：
Receive the cross-border money transfer request information that client is sent by terminal device；The cross-border money transfer request information is converged including client
Money account；
The corresponding cross-border money transfer transactions SNAPSHOT INFO of client remittance account is inquired about according to client account of remitting money, and by institute
State cross-border money transfer transactions SNAPSHOT INFO and be sent to the terminal device, cross-border money transfer transactions are fast to cause the terminal device to show
The cross-border money transfer transactions record of one to multiple bar for account of being remitted money according to client described in information；
Receive the remittance information that client is sent by terminal device；The remittance information includes client's remittance key element, the client
The supplement that information and client in cross-border money transfer transactions record of the remittance key element including customer selecting are filled in by terminal device
Information；
Client remittance key element is converted into message remittance key element, and obtained from the cross-border money transfer transactions record of customer selecting
Message remittance road information, cross-border remittance message is assembled into by message remittance key element and message remittance road information；
The cross-border remittance message is sent to receiving row server；
Store the incidence relation of client's remittance key element, message remittance key element and message remittance road information.
2. the processing method of the cross-border remittance snapshot data of bank according to claim 1, it is characterised in that receiving client
After the remittance information sent by terminal device, including：
According to each client remittance key element format information pre-set, each client remittance key element in the remittance information is entered
Row format is checked；
After each client remittance key element in the remittance information carries out format checking success, according to each client remittance key element shape
Printed into remittance return, and to the remittance return.
3. the processing method of the cross-border remittance snapshot data of bank according to claim 2, it is characterised in that according to the visitor
Family remittance account inquires about the corresponding cross-border money transfer transactions SNAPSHOT INFO of client's remittance account, including：
The corresponding customer information numbering of client's remittance account prestored is obtained according to client remittance account；
Numbered according to the customer information, inquire about the customer information and number corresponding cross-border money transfer transactions SNAPSHOT INFO；
The cross-border money transfer transactions SNAPSHOT INFO includes business factor information and the traffic use information of each business factor；The industry
Business element information includes customer information numbering, remittance element information and message element information；The remittance element information bag
Include remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, gathering every trade number, gathering
Row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；The message key element
Information includes 50 sender informations, 56 middle row informations, 57 gathering row informations, 59 receiver informations, 70 clients
Postscript information and 72 bank's postscript information.
4. the processing method of the cross-border remittance snapshot data of bank according to claim 3, it is characterised in that by the client
Remittance key element is converted into message remittance key element, and the acquisition message remittance road information from the cross-border money transfer transactions record of customer selecting,
Message remittance key element and message remittance road information are assembled into cross-border remittance message, including：
Type of message numbering is obtained from the remittance information, and the type of message is inquired about according to type of message numbering and is compiled
Number corresponding message transformation rule；
The incidence relation for the key element, message remittance key element and message remittance road information of being remitted money according to the client pre-set, and it is described
Type of message numbers corresponding message transformation rule, client's remittance key element is converted into message remittance key element, and message is remitted money
Key element is converted into cross-border remittance message remittance key element field；
According to message remittance road information and cross-border remittance message remittance key element field, by message remittance key element and message remittance road letter
Breath is assembled into cross-border remittance message.
5. the processing method of the cross-border remittance snapshot data of bank according to claim 4, it is characterised in that will be described cross-border
Remittance message is sent to receiving row server, including：
The message pre-set from the cross-border remittance Receive message sends parameter automatically；
Parameter is sent according to the message automatically, determines whether the cross-border remittance message needs to be checked；
If the cross-border remittance message needs to be checked, the cross-border remittance message is sent to the rear cabinet pre-set
Member is checked in queue；
If the cross-border remittance message need not be checked, the cross-border remittance message is automatically sent to row service of receiving telegraph
Device.
6. the processing method of the cross-border remittance snapshot data of bank according to claim 5, it is characterised in that the storage visitor
The incidence relation of family remittance key element, message remittance key element and message remittance road information, including：
According to the customer information number and client remittance key element in remitter's account, currency type information, gathering every trade number and
Payee account, inquires about the snapshot key assignments pre-set；
If successful query is to the snapshot key assignments, by the association of client's remittance key element, message remittance key element and message remittance road information
Relation is updated processing, is recorded with updating cross-border money transfer transactions；
If inquiring about the snapshot key assignments failure, the association pass for key element, message remittance key element and message remittance road information that client is remitted money
System carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions record.
7. a kind of processing unit of the cross-border remittance snapshot data of bank, it is characterised in that including：
Cross-border money transfer request information receiving unit, for receiving the cross-border money transfer request information that client is sent by terminal device；
The cross-border money transfer request information includes client's remittance account；
Cross-border money transfer transactions Snapshot query unit, for inquiring about client's remittance account correspondence according to client remittance account
Cross-border money transfer transactions SNAPSHOT INFO, and the cross-border money transfer transactions SNAPSHOT INFO is sent to the terminal device, to cause
The terminal device shows the cross-border money transfer transactions of one to multiple bar of the remittance account of client described in cross-border money transfer transactions SNAPSHOT INFO
Record；
Remittance information receiving unit, for receiving the remittance information that client is sent by terminal device；The remittance information includes
Information and client in client's remittance key element, cross-border money transfer transactions record of the client's remittance key element including customer selecting is logical
Cross the side information that terminal device is filled in；
Cross-border remittance message module units, for client remittance key element to be converted into message remittance key element, and is selected from client
Message remittance road information is obtained in the cross-border money transfer transactions record selected, message remittance key element and message remittance road information are assembled into cross-border
Remittance message；
Cross-border remittance packet sending unit, for the cross-border remittance message to be sent to receiving row server；
Memory cell, for storing client's remittance key element, message remittance key element and the incidence relation of message remittance road information.
8. the processing unit of the cross-border remittance snapshot data of bank according to claim 7, it is characterised in that also include：
Format checking unit, for according to each client remittance key element format information pre-set, in the remittance information
Each client remittance key element carry out format checking；
Remittance return generation unit, format checking success is carried out for each client remittance key element in the remittance information
Afterwards, according to each client remittance key element formation remittance return, and the remittance return is printed.
9. the processing unit of the cross-border remittance snapshot data of bank according to claim 8, it is characterised in that cross-border remittance is handed over
Easy Snapshot query unit, including：
Customer information numbering enquiry module, for obtaining the client prestored remittance account pair according to client remittance account
The customer information numbering answered；
Cross-border money transfer transactions Snapshot query module, for being numbered according to the customer information, inquires about the customer information numbering pair
The cross-border money transfer transactions SNAPSHOT INFO answered；
Wherein, the cross-border money transfer transactions SNAPSHOT INFO includes business factor information and the traffic use information of each business factor；
The business factor information includes customer information numbering, remittance element information and message element information；The remittance key element
Information includes remitter's account, remitter's name in an account book, remitter address, money transfer amount, remittance currency type, trade date, gathering every trade
Number, gathering row title, gathering row address, payee account, payee's name in an account book, payee address and remittance client's postscript；It is described
Message element information include 50 sender informations, row information in the middle of 56,57 gathering row informations, 59 receiver informations,
70 client's postscript information and 72 bank's postscript information.
10. the processing unit of the cross-border remittance snapshot data of bank according to claim 9, it is characterised in that described cross-border
Remittance message module units, including：
Message transformation rule enquiry module, for obtaining type of message numbering from the remittance information, and according to the message
Type number inquires about the type of message and numbers corresponding message transformation rule；
Key element modular converter, for according to the client's remittance key element, message remittance key element and message remittance road information pre-set
Incidence relation, and the type of message number corresponding message transformation rule, and client's remittance key element is converted into message remittance
Key element, and message remittance key element is converted into cross-border remittance message remittance key element field；
Cross-border remittance message assembling module, remits money key element field for converging road information and cross-border remittance message according to the message,
Message remittance key element and message remittance road information are assembled into cross-border remittance message.
11. the processing unit of the cross-border remittance snapshot data of bank according to claim 10, it is characterised in that described cross-border
Remittance packet sending unit, including：
Message sends parameter acquisition module automatically, and the message for being pre-set from the cross-border remittance Receive message is sent automatically
Parameter；
Cross-border remittance Message processing judge module, for sending parameter automatically according to the message, determines the cross-border remittance report
Whether text needs to be checked；
Cross-border remittance message review module, for when the cross-border remittance message needs to be checked, by the cross-border remittance
Message sends to the backstage teller pre-set and checked in queue；
Cross-border remittance message sending module, for when the cross-border remittance message need not be checked, by the cross-border remittance
Money message is automatically sent to row server of receiving telegraph.
12. the processing unit of the cross-border remittance snapshot data of bank according to claim 11, it is characterised in that the storage
Unit, including：
Snapshot key assignments enquiry module, for according to the customer information number and client remit money key element in remitter's account,
Currency type information, gathering every trade number and payee account, inquire about the snapshot key assignments pre-set；
Cross-border money transfer transactions record update module, for when successful query is to the snapshot key assignments, by client's remittance key element, report
The incidence relation of text remittance key element and message remittance road information is updated processing, is recorded with updating cross-border money transfer transactions；
The cross-border newly-increased module of money transfer transactions record, for when inquiring about the snapshot key assignments failure, by client's remittance key element, message
The incidence relation of key element of remitting money and message remittance road information carries out newly-increased processing, to be used as newly-increased cross-border money transfer transactions record.
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| CN110378681B (en) * | 2019-06-17 | 2024-04-05 | 平安银行股份有限公司 | Method, device, equipment and storage medium for determining account resource transfer path |
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| CN113643013A (en) * | 2021-08-11 | 2021-11-12 | 中国工商银行股份有限公司 | Model establishing method, business processing method, device, electronic equipment and medium |
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