CN110503436B - Payment message processing method and system for transmitting image file through SWIFT - Google Patents
Payment message processing method and system for transmitting image file through SWIFT Download PDFInfo
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- CN110503436B CN110503436B CN201910800919.1A CN201910800919A CN110503436B CN 110503436 B CN110503436 B CN 110503436B CN 201910800919 A CN201910800919 A CN 201910800919A CN 110503436 B CN110503436 B CN 110503436B
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- G—PHYSICS
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The invention discloses a payment message processing method and a payment message processing system for transmitting an image file through SWIFT, wherein the method comprises the following steps: receiving an image file through a SWIFT network; after receiving the payment message, splitting the payment message to obtain a bank identification code, a unique serial number of the payment message and a payment instruction of an enterprise corresponding to the payment message; according to the payment instruction, inquiring the image file which is matched with the bank identification code of the enterprise corresponding to the payment message and the unique serial number of the payment message in the image file; after the matched image file is inquired, the image file is audited to obtain an audit result; and after the verification is passed, processing a corresponding payment request according to the payment instruction, and generating a state message. The method and the system can transmit the image file and the payment message through the SWIFT network, automatically match the image file and the payment message and then perform auditing, complete the whole financial transaction business process on line, and have higher safety and high auditing efficiency.
Description
Technical Field
The invention relates to the technical field of standard message processing formulated by the financial telecommunication association of the cycloglobe group in financial business, in particular to a payment message processing method and a payment message processing system for transmitting an image file through SWIFT.
Background
The financial telecommunication society of the world-wide college banking (SWIFT) is a non-profit cooperative organization between international banking unions, providing communication services for its members. Banks and other financial institutions exchange telegraph text with the same industry through SWIFT so as to complete financial transactions, and banks applying for joining the SWIFT organization must work out SWIFT address codes of the bank in advance according to the unified principle of the SWIFT organization, and become effective formally after being approved by the SWIFT organization. The Bank Identification Code (BIC) is composed of eight bits or eleven English letters or Arabic numerals which can be automatically read by a computer and is used for clearly distinguishing different financial institutions related to financial transactions in SWIFT messages.
In the existing financial transaction business process, image materials need to be provided offline, manual intervention is needed in the inquiry and matching processes of the image materials, the efficiency is low, the processing mode is not beneficial to unified management and material storage, and the overall efficiency of payment message processing is low. Therefore, a payment message processing scheme capable of processing image materials efficiently is needed.
Disclosure of Invention
In order to solve the problems, the invention provides a payment message processing method and a payment message processing system for transmitting an image file through SWIFT, wherein the image file and the payment message can be transmitted through a SWIFT network, the image file and the payment message are automatically matched and then are audited, the whole financial transaction business process is completed on line, and the method has higher safety and high auditing efficiency.
In an embodiment of the present invention, a payment message processing method for transmitting an image file through SWIFT is provided, where the method includes:
receiving an image file through a SWIFT network; wherein, the image file includes: the image material, the bank identification code of the enterprise and the unique number of the payment message are identified;
after receiving the payment message, splitting the payment message to obtain a bank identification code of an enterprise, a unique serial number of the payment message and a payment instruction corresponding to the payment message;
according to the payment instruction, inquiring an image file matched with a bank identification code of an enterprise and a unique serial number of the payment message corresponding to the payment message in the image file;
after the matched image file is inquired, the image file is audited to obtain an audit result;
and after the verification is passed, processing a corresponding payment request according to the payment instruction, and generating a state message.
Further, after receiving the payment message, splitting the payment message to obtain the bank identification code, the unique serial number of the payment message, and the payment instruction of the enterprise corresponding to the payment message, the method further includes:
and splitting the payment message, and then obtaining the unique number of the payment instruction.
Further, when the image file further comprises a payment instruction unique number,
according to the payment instruction, inquiring the image file matched with the bank identification code of the enterprise corresponding to the payment message and the unique serial number of the payment message in the image file, and further comprising:
and according to the payment instruction, inquiring an image file matched with the bank identification code of the enterprise, the unique serial number of the payment message and the unique serial number of the payment instruction corresponding to the payment message in the image file, wherein the matched image file is used for auditing the corresponding payment instruction.
Further, when the image file does not include the payment instruction unique number,
the matched image file is used for auditing all payment instructions in the corresponding payment message.
Further, the payment message is a pain.001 or MT101 message.
Further, after the status message is generated, the status message is sent to the corresponding enterprise; wherein, the state message is a pain.002 or MT199 message.
Furthermore, the image material is a support material for bank to check payment instructions, and is an image file or a PDF file, including identity information data and/or foreign exchange application data.
In an embodiment of the present invention, a payment message processing system for transmitting an image file through SWIFT is provided, including:
the file receiving module is used for receiving the image file through the SWIFT network; wherein, the image file includes: the image material, the bank identification code of the enterprise and the unique number of the payment message are used as the unique numbers;
the splitting module is used for splitting the payment message after receiving the payment message to obtain a bank identification code, a unique payment message number and a payment instruction of an enterprise corresponding to the payment message;
the inquiry module is used for inquiring the image file which is matched with the bank identification code of the enterprise corresponding to the payment message and the unique serial number of the payment message in the image file according to the payment instruction;
the auditing module is used for auditing the image files after the matched image files are inquired to obtain an auditing result;
and the service processing module is used for processing the corresponding payment request according to the payment instruction after the audit is passed and generating a state message.
In an embodiment of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the payment message processing method for transmitting an image file through SWIFT.
In an embodiment of the present invention, a computer-readable storage medium is provided, where a computer program for executing the payment message processing method for transmitting an image file through SWIFT is stored in the computer-readable storage medium.
The payment message processing method and system for transmitting the image file through the SWIFT transmit the image file and the payment message through the SWIFT network, automatically match the image file and the payment message and then audit the image file and the payment message, and the whole financial transaction business process is completed on line, so that the method and system have high safety and high audit efficiency; the method and the system adopt the online transmission of the image file, the image file is provided with the standard image file name, in the automatic matching process, the standard image file name is matched with the corresponding payment instruction, and a bank does not need to specify the corresponding field in a payment message interface to identify the image file name, thereby facilitating the popularization of the payment interface.
Drawings
Fig. 1 is a flowchart illustrating a payment message processing for transmitting an image file through SWIFT according to an embodiment of the present invention.
Fig. 2 is a flowchart illustrating a payment message processing for transmitting an image file through SWIFT according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of a pain.001 message according to an embodiment of the present invention.
Fig. 4 is a diagram illustrating an MT101 message according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating file names of video files according to an embodiment of the invention.
Fig. 6 is a schematic structural diagram of a payment message processing system for transmitting image files through SWIFT according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given only to enable those skilled in the art to better understand and to implement the present invention, and do not limit the scope of the present invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, the payment message processing method and the payment message processing system for transmitting the image file through SWIFT are provided, the image file and the payment message can be transmitted through the SWIFT network, the image file and the payment message are matched and then are audited, the whole financial transaction business process is completed on line, and the method and the system have higher safety and high auditing efficiency.
In this context, it is to be understood that, in the terms referred to:
SWIFT: the Society For world bank Financial Telecommunication (SWIFT) is a non-profit international cooperation organization between international banks. SWIFT operates a world-wide financial network of telegraph text through which banks and other financial institutions exchange telegraph text with peers to complete financial transactions. Through which the business may also send payment or collection instructions to the financial institution (the issuer or the agent).
And (3) BIC: the SWIFT bank identification codes, the unit applying for adding the SWIFT organization must work out the SWIFT address codes of the line in advance according to the unified rule of the SWIFT organization, and the SWIFT bank identification codes take effect formally after being approved by the SWIFT organization.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flowchart of a payment message processing method for transmitting an image file through SWIFT according to an embodiment of the present invention.
As shown in fig. 1, the method includes:
step S1, receiving image files through SWIFT network; wherein, the image file includes: the image material, the bank identification code (BIC ') of the enterprise and the unique number of the payment message (MSGID').
The image material refers to a non-text message transmitted by an enterprise to a bank through a SWIFT network, and the bank is used as a support material for checking a payment instruction, for example, identity information, foreign exchange application material and the like, which can be an image file or a PDF file and the like.
Step S2, after receiving the payment message, splitting the payment message to obtain the Bank Identification Code (BIC), the unique payment message number (MSGID) and the payment instruction of the enterprise corresponding to the payment message.
The payment message refers to a pain.001 or MT101 message transmitted to a bank by a business through a SWIFT network, and one pain.001 or MT101 may include one payment instruction or a plurality of payment instructions.
And step S3, according to the payment instruction, inquiring the image files matched with the BIC and the MSGID corresponding to the payment message in the image files.
In one embodiment, the query process queries the image files corresponding to the BIC 'and MSGID' that are the same as the BIC and MSGID.
In one embodiment, the image file may include a unique number (endOENDID ') of the payment instruction in addition to the corresponding MSGID'.
Accordingly, the payment message may also include a unique number (endteendad) of the payment instruction.
If the image file does not include endteoendid', the image file can be used as a matching image file of all payment instructions in the corresponding payment message for auditing all payment instructions.
If the video file includes endOENDID', the step S3 is executed as follows:
and S3', according to the payment instruction, inquiring the image files matched with the BIC, the MSGID and the ENDTOENDID corresponding to the payment message in the image files, wherein the matched image files are used for checking the corresponding payment instruction.
That is, if endcondtid' is included in the image file, the file can be used only for the verification of the corresponding payment instruction. For example, if the image file includes a unique serial number of a payment instruction, the file can only be used as the image file of the payment instruction after matching for the verification of the payment instruction.
Usually, the payment message includes endtocondid, which is used in the subsequent service processing, and the image file does not necessarily include endtocondid'.
And step S4, after the matched image file is inquired, the image file is checked to obtain a checking result.
The auditing process can be carried out by bank personnel, after the auditing is finished, the bank personnel enter the auditing result, and correspondingly, the bank system receives and records the auditing result.
If the image data in the image file is a file with a PDF format or other format capable of identifying the content, the verification can be automatically performed, for example, the image data is compared with the historical image data to determine whether the image data is legal.
In an embodiment, whether to perform step S5 may be determined by receiving an audit result entered by a bank staff or according to a result of the automatic audit, and if the result of the audit is that the audit is passed, step S5 is performed.
And step S5, processing the corresponding payment request according to the payment instruction after the verification is passed, and generating a state message.
Step S6, after the status message is generated, the status message is sent to the corresponding enterprise; wherein, the state message is a pain.002 or MT199 message.
For a clearer explanation of the payment message processing method for transmitting the image file through SWIFT, a specific embodiment is described below, but it should be noted that the embodiment is only for better explaining the present invention and is not to be construed as an inappropriate limitation to the present invention.
Fig. 2 is a flowchart illustrating a payment message processing for transmitting an image file through SWIFT according to an embodiment of the present invention. Taking the example that the enterprise needs to make two payment requests to the bank, as shown in fig. 2:
step S101, the enterprise sends a payment message to the bank through the SWIFT network, wherein the payment message can be pain.001 or MT 101.
Step S102, the bank receives and splits the payment message, wherein the payment message comprises MSGID and ENDTOENDID of the payment message 1 、ENDTOENDID 2 、BIC。
For example, as shown in fig. 3 and fig. 4, a diagram of a pain.001 message and a diagram of an MT101 message are respectively shown. As shown in fig. 3, in the pain.001 message, the BIC is marked in the area 301, and is located in the BEI tag of the pain.001 message, the area 302 is the MSGID, and the area 303 is the endteondendid. As shown in fig. 4, in the MT101 message, the zone 401 is marked by BIC, i.e. the BIC part in block2, the zone 402 is MSGID and is located in 20 fields of the message, and the zone 403 is endtenidd and is located in 21 fields of the message.
And step S103, the enterprise sends the image file to the bank for the bank to check.
Step S104, the bank receives the image file, splits and records each content of the message, including BIC, payment message type, payment instruction dimension and corresponding MSGID, ENDTOENDID 1 、ENDTOENDID 2 A transmission sequence number, a reception time, etc.
For example, as shown in fig. 5, a schematic diagram of a file name of an image file is shown. Wherein, the file name of the image file comprises:
sending BIC, IATACAMM of enterprise;
payment message type, MX 001; wherein MX001 is pain.001, and MT101 is MT 101;
payment instruction dimension, E; wherein E is single-stroke matching, and M is whole message matching;
message or instruction ID (MSGID or endteondendid), 1201808070040;
sending sequence number, 001; the system selects the image files which meet the conditions and are uploaded latest when the system is matched;
extension, not shown; can be in the format of image data such as "JPG" "or". PDF "".
Step S105, the bank personnel inquire a payment instruction through a Bancslink system (a bank counter front-end system) (or a system can trigger a prompt when receiving the payment instruction), and according to the payment instruction, the bank system inquires the payment instruction according to BIC, MSGID and ENDTOENDID 1 、ENDTOENDID 2 Inquiring the image files meeting the conditions, and if a plurality of image files meet the conditions, selecting the latest uploaded image file; if the image file is found, step S106 is executed, and if the image file is not found, a payment status message pain.002(pain.001 status message) or MT199(MT101 status message) is returned to notify the enterprise that the image file is not found.
And S106, auditing the image file to obtain an approved or non-approved auditing result, and recording auditing opinions of bank personnel. The audit of the image file can be carried out by bank personnel, after the audit is completed, the bank personnel inputs the audit result, and the bank system receives and records the corresponding audit result.
And step S107, if the verification result is that the verification is passed, the bank system sends the payment request to the core system to complete the posting according to the payment instruction.
And step S108, if the audit result is that the audit is not passed, the payment instruction state is failure.
Step S109, the bank returns a payment state message pain.002 or MT199 to the enterprise through the SWIFT network, wherein the message comprises a processing result, a state and a corresponding reason (audit opinion).
And step S110, the enterprise receives the state message, and the payment message processing flow is finished.
In another embodiment, the image file may only include ENDTOENDID 1 ', then, the image file can only be associated with ENDTOENDID 1 Matching corresponding payment instructions for endOENDID 1 And checking the corresponding payment instruction. ENDTOENDID 2 ' the corresponding payment instruction cannot be matched with the image file, and cannot be verified according to the image file.
If the image file does not include any ENDTOENDID', the image file can be used for auditing all payment instructions in the payment message corresponding to the MSGID.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
The method can transmit the payment file and the image file through the SWIFT network and return the processing result, and has high safety and timeliness. The conventional SWIFT organization Pain.001 and MT101 message specification has no special label or field-associated image file, the image file is transmitted on line by specifying the image file name, the specified image file name is used for matching a corresponding payment instruction, and a bank does not need to specify the corresponding field identification image file name in a payment message interface (Pain.001 or MT101), so that the payment interface is convenient to popularize.
It should be noted that, in the present specification, BIC ', MSGID', ENDTOENDID with single quotation mark 1 '、ENDTOENDID 2 The payment method comprises the steps that a bank identification code of an enterprise, a unique number of a payment message, a unique number of a payment instruction, a unique number of a first payment instruction and a unique number of a second payment instruction which correspond to an image file are included; BIC, MSGID, ENDTOENDID without single quotation mark 1 、ENDTOENDID 2 The bank identification code of the enterprise corresponding to the payment message, the unique number of the payment instruction, the unique number of the first payment instruction and the unique number of the second payment instruction.
Based on the same inventive concept, the present invention further provides a payment message processing system for transmitting image files through SWIFT, as shown in fig. 6, the system includes:
a file receiving module 601, configured to receive an image file through a SWIFT network; wherein, the image file includes: the image material, the bank identification code of the enterprise and the unique number of the payment message are identified;
the splitting module 602 is configured to split the payment message after receiving the payment message, and obtain a bank identification code, a unique serial number of the payment message, and a payment instruction of an enterprise corresponding to the payment message;
the query module 603 is configured to query, according to the payment instruction, an image file in the image file, where the image file matches a bank identification code of an enterprise corresponding to the payment packet and a unique serial number of the payment packet;
the auditing module 604 is configured to audit the image files after the matched image files are queried, and obtain an auditing result;
and the service processing module 605 is configured to process the corresponding payment request according to the payment instruction after the verification is passed, and generate a status message.
It should be noted that although several modules of the payment message processing system for transmitting image files via SWIFT are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Based on the same inventive concept, the invention further provides a computer device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein when the processor executes the computer program, the payment message processing method for transmitting the image file through the SWIFT is realized.
Based on the same inventive concept, the invention also provides a computer readable storage medium, which stores a computer program for executing the payment message processing method for transmitting the image file through SWIFT.
The payment message processing method and the payment message processing system for transmitting the image file through the SWIFT network transmit the image file and the payment message through the SWIFT network, automatically match the image file and the payment message and then audit the image file and the payment message, complete the whole financial transaction business process on line, and have higher safety and high audit efficiency; the method and the system adopt the online transmission of the image file, the image file is provided with the standard image file name, in the automatic matching process, the standard image file name is matched with the corresponding payment instruction, and a bank does not need to specify the corresponding field in a payment message interface to identify the image file name, thereby facilitating the popularization of the payment interface.
While the spirit and principles of the invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (7)
1. A payment message processing method for transmitting image files through SWIFT is characterized by comprising the following steps:
receiving an image file through a SWIFT network; wherein, the image file includes: the image material, the bank identification code of the enterprise and the unique number of the payment message are identified;
after receiving a payment message, splitting the payment message to obtain a bank identification code, a unique serial number of the payment message, a payment instruction and a unique serial number of the payment instruction of an enterprise corresponding to the payment message;
when the image file does not comprise the unique serial number of the payment instruction, inquiring the image file matched with the bank identification code of the enterprise and the unique serial number of the payment message corresponding to the payment message in the image file according to the payment instruction, wherein the matched image file is used for auditing all the payment instructions in the corresponding payment message;
when the image file further comprises a payment instruction unique number, according to the payment instruction, inquiring an image file matched with a bank identification code of an enterprise corresponding to the payment message, the payment message unique number and the payment instruction unique number in the image file, wherein the matched image file is used for auditing the corresponding payment instruction;
after the matched image file is inquired, the image file is audited to obtain an audit result;
and after the verification is passed, processing a corresponding payment request according to the payment instruction, and generating a state message.
2. The method as claimed in claim 1, wherein the payment message is a pain.001 or MT101 message.
3. The payment message processing method for image file transmission by SWIFT according to claim 1, wherein after the status message is generated, the status message is sent to the corresponding enterprise; wherein, the state message is a pain.002 or MT199 message.
4. The method as claimed in claim 1, wherein the image material is a support material for bank to check payment instruction, and is an image file or a PDF file, which includes identification information data and/or foreign exchange application data.
5. A payment message processing system for transmitting video files via SWIFT, the system comprising:
the file receiving module is used for receiving the image file through the SWIFT network; wherein, the image file includes: the image material, the bank identification code of the enterprise and the unique number of the payment message are identified;
the splitting module is used for splitting the payment message after receiving the payment message to obtain a bank identification code, a unique serial number of the payment message, a payment instruction and a unique serial number of the payment instruction of an enterprise corresponding to the payment message;
the inquiry module is used for inquiring an image file matched with a bank identification code of an enterprise and the unique serial number of a payment message corresponding to the payment message in the image file according to the payment instruction when the image file does not comprise the unique serial number of the payment instruction, and the matched image file is used for auditing all payment instructions in the corresponding payment message;
when the image file further comprises a payment instruction unique number, according to the payment instruction, inquiring an image file matched with a bank identification code of an enterprise corresponding to the payment message, the payment message unique number and the payment instruction unique number in the image file, wherein the matched image file is used for auditing the corresponding payment instruction;
the auditing module is used for auditing the image files after the matched image files are inquired to obtain an auditing result;
and the service processing module is used for processing the corresponding payment request according to the payment instruction after the verification is passed and generating a state message.
6. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
7. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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