CN111754347A - Cross-border transaction processing method and device - Google Patents
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Abstract
The invention discloses a cross-border transaction processing method and a device, wherein the method comprises the following steps: receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request; dividing a plurality of services into services requiring customer participation and services not requiring customer participation; the method and the system can relieve the performance pressure of a high-traffic peak system, improve the cross-border transaction processing efficiency, shorten the waiting time of the client and further improve the experience of the client.
Description
Technical Field
The invention relates to the technical field of transaction processing, in particular to a cross-border transaction processing method and device.
Background
The cross-border transaction business processing flow is complex and the scene is complex, at present, a bank system can execute the processing of the next cross-border transaction business after completing all business flows of the cross-border transaction business, after a client submits a cross-border transaction application, the client can obtain the feedback whether the transaction is successful after waiting for the bank to complete all business flows, in addition, during the peak period of the cross-border transaction business volume, the system is under huge transaction performance pressure, and the client waiting time after queuing is long, the efficiency is low, and the client experience is poor.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a cross-border transaction processing method, which is used for improving the cross-border transaction processing efficiency and comprises the following steps:
receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request;
dividing a plurality of services into services requiring customer participation and services not requiring customer participation;
and calling the service needing the participation of the client, sending identification information needing the completion of the execution of the service needing the participation of the client to the client after the calling processing is completed, calling the service not needing the participation of the client at regular time, and completing the cross-border transaction processing.
The embodiment of the invention provides a cross-border transaction processing device, which is used for improving the cross-border transaction processing efficiency and comprises the following components:
the service determining module is used for receiving the cross-border transaction request and determining a plurality of services to be called according to the cross-border transaction request;
the service classification module is used for dividing the plurality of services into services which need customer participation and services which do not need customer participation;
and the service calling module is used for calling the service needing the participation of the client, sending the identification information of the completion of the execution of the service needing the participation of the client to the client after the calling processing is completed, calling the service not needing the participation of the client regularly, and completing the cross-border transaction processing.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the cross-border transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the cross-border transaction processing method.
The embodiment of the invention comprises the following steps: receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request; dividing a plurality of services into services requiring customer participation and services not requiring customer participation; the service needing customer participation is called, after the calling processing is completed, the identification information needing the service execution completion of the customer participation is sent to the customer, the waiting time of the customer is shortened, the service needing no customer participation is called regularly, the performance pressure of a high-traffic peak system can be relieved, the cross-border transaction processing efficiency is improved, and further the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a cross-border transaction processing method according to an embodiment of the invention;
FIG. 2 is a diagram illustrating a foreground service flow in an embodiment of the present invention;
FIG. 3 is a schematic diagram of a transaction path determination service flow in an embodiment of the invention;
FIG. 4 is a diagram illustrating a message generation service flow in an embodiment of the present invention;
FIG. 5 is a diagram illustrating a messaging service flow in an embodiment of the present invention;
FIG. 6 is a diagram illustrating a cross-border transaction processing device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, 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.
In order to solve the technical problems of low efficiency and poor customer experience caused by the fact that when the cross-border transaction service is processed in the prior art, the next cross-border transaction service can be processed after all service flows of the cross-border transaction service are completed, an embodiment of the invention provides a cross-border transaction processing method for improving the cross-border transaction processing efficiency, and fig. 1 is a schematic diagram of a cross-border transaction processing method flow in the embodiment of the invention, as shown in fig. 1, the method includes:
step 101: receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request;
step 102: dividing a plurality of services into services requiring customer participation and services not requiring customer participation;
step 103: and calling the service needing the participation of the client, sending identification information needing the completion of the execution of the service needing the participation of the client to the client after the calling processing is completed, calling the service not needing the participation of the client at regular time, and completing the cross-border transaction processing.
As shown in fig. 1, an embodiment of the present invention is implemented by: receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request; dividing a plurality of services into services requiring customer participation and services not requiring customer participation; the service needing customer participation is called, after the calling processing is completed, the identification information needing the service execution completion of the customer participation is sent to the customer, the waiting time of the customer is shortened, the service needing no customer participation is called regularly, the performance pressure of a high-traffic peak system can be relieved, the cross-border transaction processing efficiency is improved, and further the customer experience is improved.
In specific implementation, the processing flow of the cross-border transaction service is complicated, and the scenario is complex, for example, when the cross-border transaction service is a cross-border remittance service, the services to be invoked include various services such as customer identity verification, remittance rate calculation, remittance deduction, charging (handling fee, tax), remittance clearing path search, interest date calculation, money laundering check prevention, remittance message generation, remittance message sending and the like, and may also include other types of cross-border transaction services and services, which is not limited in the present invention. In step 101, after receiving a cross-border transaction request initiated by a client, a plurality of services to be invoked can be determined, in step 102, the plurality of services can be divided into services requiring client participation and services not requiring client participation according to the relevance between each service and the client, for example, services such as client identity verification, exchange rate calculation, money transfer deduction and charging (handling fee and tax) have strong relevance with the client during service processing, interaction and information confirmation with the client are required, the services can be determined as the services requiring client participation, services such as remittance clearing path search, interest day calculation, money laundering check, remittance message generation and remittance message sending have weak relevance with the client during service processing, interaction with the client is not required, and the services can be determined as the services not requiring client participation.
In one embodiment, the cross-border transaction request comprises: the cross-border remittance request, step 103, calls a service requiring customer participation, and after the call processing is completed, sends identification information indicating that the service requiring customer participation is completed to the customer, which may include:
calling foreground service to carry out client identity authentication;
after the identity verification of the client passes, determining the deduction amount according to the transaction amount in the cross-border transaction request;
sending deduction amount confirmation information to the client, and deducting money from the transaction initiating account after receiving a confirmation instruction of the client;
and after the deduction is completed, sending deduction completion information to the client.
In one embodiment, determining the debit amount based on the transaction amount in the cross-border transaction request may include:
determining exchange rate parameters of the transaction according to a transaction initiation place and a transaction receiving place in the cross-border transaction request;
and determining the deduction amount according to the transaction amount in the cross-border transaction request and the exchange rate parameter.
In specific implementation, because the service that needs customer participation has strong correlation with the customer, multiple services that need customer participation can be integrated into a foreground service, the foreground service is invoked according to a cross-border transaction request initiated by the customer, and relevant service invocation processing is performed, fig. 2 is a schematic diagram of a foreground service flow in the embodiment of the present invention, and as shown in fig. 2, for example, the method may include: calling a client authentication service, and performing client authentication through interaction with a client; if exchange rate conversion is involved, exchange rate calculation service is called, exchange rate parameters of the transaction are determined according to a transaction initiation place and a transaction receiving place in the cross-border transaction request, and deduction amount is determined according to transaction amount in the cross-border transaction request and the exchange rate parameters; transferring remittance deduction service, sending deduction amount confirmation information to the client, deducting money from the transaction initiating account after receiving a confirmation instruction of the client, temporarily hanging account accounting subjects of the remittance deduction account, and recording an account flow; the charging service can be called, the handling fee and the tax fee required by remittance are calculated, and the charging running water is recorded; the system can also call a service number service to generate a unique number of the remittance service for subsequent related services, after the service calling process is finished, the state of the cross-border remittance service can be updated to FGAH (indicating that the service calling process needing customer participation is finished), the deduction finishing information can be determined as identification information of the service execution finishing needing customer participation, the deduction finishing information is sent to the customer, and the customer can leave a bank outlet after receiving the deduction finishing information without waiting all the time, so that the waiting time of the customer can be shortened. In addition, if the deposit account is involved, the information input service can be called, and the asynchronous additional recording of the deposit account information can be completed by combining a cross-border remittance request, an accounting flow and a charging flow.
In one embodiment, services that do not require customer involvement include: a transaction path determination service, a message generation service and a message transmission service;
in step 103, regularly invoking a service that does not require participation of a client to complete cross-border transaction processing, which may include:
after the service calling processing needing customer participation is completed, the transaction path is called at regular time to determine the service;
after the transaction path determining service calling processing is completed, calling a message generating service at regular time to generate a cross-border transaction message;
and after the message generation service calling processing is finished, calling a message sending service at regular time and sending the cross-border transaction message.
In specific implementation, after the service calling process requiring customer participation is completed, the state of the cross-border transaction service can be recorded as FGAH, in step 103, the cross-border transaction service with the state of FGAH can be timed and round robin based on the design thought of JAVA micro-servitization, and the service not requiring customer participation is asynchronously called to perform corresponding service calling process, so that the service requiring customer participation is intensively called in the peak period of high traffic, and the service not requiring customer participation is called in the low traffic, so that the performance pressure of the system in the peak period of high traffic can be relieved, the cross-border transaction processing efficiency is improved, on the other hand, the waiting time of the customer can be further shortened, and the customer experience is improved.
In step 103, services that do not require customer participation may be integrated into a transaction path determination service, a message generation service, and a message sending service according to their service types, as shown in fig. 3, 4, and 5, for example: when the cross-border transaction service is a cross-border remittance service, the cross-border remittance service with the timing round-robin state of FGAH is invoked to invoke the transaction path determination service, the remittance clearing path search, the daily calculation of interest, the reverse money laundering check and other services are sequentially completed, after the reverse money laundering check is passed, the state of the cross-border remittance service can be updated to BGRC (the transaction path determination service invocation is completed), then the cross-border remittance service with the timing round-robin state of BGRC is invoked to invoke the message generation service, the remittance clearing path and the daily verification of interest, the remittance message construction and other services are sequentially completed, in addition, if a deposit account is involved, the information input service can be invoked to complete the asynchronous complement of deposit account information, after the remittance message is generated, the state of the cross-border remittance service can be updated to UNPR (the message generation service invocation is completed), then the cross-border remittance service with the timing round-border, and calling message sending services, sequentially completing services such as clearing position message sending, remittance message sending and message queue sending, sending the remittance message to a bank payment platform, and completing cross-border remittance processing.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
The first step is as follows: receiving a cross-border remittance request initiated by a client and determining a plurality of services to be called;
the second step is that: dividing a plurality of services into services needing customer participation and services not needing customer participation, integrating the services needing customer participation into foreground services according to service types, and integrating the services not needing customer participation into transaction path determination services, message generation services and message sending services;
the third step: calling foreground service in real time, completing calling processing of services such as customer identity verification, remittance information check, remittance rate calculation, remittance withholding, charging and the like in sequence, updating the state of cross-border remittance service to FGAH (indicating that the service calling processing needing customer participation is completed), and sending withholding completion information to the customer;
the fourth step: the cross-border remittance service with the timing round-robin state being FGAH calls a transaction path determination service, completes the call of services such as remittance clearing path search, daily interest bearing calculation, anti-money laundering submission and the like in sequence, and updates the state of the cross-border remittance service to BGRC (indicating that the call of the transaction path determination service is completed) after the anti-money laundering submission is passed;
the fifth step: the method comprises the steps that a cross-border remittance service with a timing round-robin state as BGRC is called to generate a message, the remittance clearing path, the verification of the arrival date and the verification of the remittance message, the establishment of the remittance message and other services are sequentially called, and after the remittance message is generated, the state of the cross-border remittance service is updated to be UNPR (the call of the message generation service is finished);
and a sixth step: and (4) calling a message sending service by the cross-border remittance service with the timing round-robin state of UNPR, sequentially finishing the services of clearing position sending, remittance message sending, message queue sending and the like, sending the remittance message to a bank payment platform, and finishing cross-border remittance processing.
The implementation of the above specific application is only an example, and the rest of the embodiments are not described in detail.
Based on the same inventive concept, the embodiment of the present invention further provides a cross-border transaction processing apparatus, as in the following embodiments. Because the principle of the cross-border transaction processing device for solving the problem is similar to that of the cross-border transaction processing method, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
An embodiment of the present invention provides a cross-border transaction processing device for improving cross-border transaction processing efficiency, and fig. 6 is a schematic diagram of a structure of the cross-border transaction processing device in the embodiment of the present invention, as shown in fig. 6, the device includes:
the service determining module 01 is used for receiving the cross-border transaction request and determining a plurality of services to be called according to the cross-border transaction request;
a service classification module 02 for classifying a plurality of services into a service requiring customer participation and a service not requiring customer participation;
the service calling module 03 is configured to call a service that needs customer participation, send identification information that the execution of the service that needs customer participation is completed to the customer after the call processing is completed, call the service that does not need customer participation at a fixed time, and complete cross-border transaction processing.
In one embodiment, the cross-border transaction request comprises: a cross-border remittance request;
the service invocation module 03 is specifically configured to:
calling foreground service to carry out client identity authentication;
after the identity verification of the client passes, determining the deduction amount according to the transaction amount in the cross-border transaction request;
sending deduction amount confirmation information to the client, and deducting money from the transaction initiating account after receiving a confirmation instruction of the client;
and after the deduction is completed, sending deduction completion information to the client.
In one embodiment, determining the debit amount based on the transaction amount in the cross-border transaction request comprises:
determining exchange rate parameters of the transaction according to a transaction initiation place and a transaction receiving place in the cross-border transaction request;
and determining the deduction amount according to the transaction amount in the cross-border transaction request and the exchange rate parameter.
In one embodiment, services that do not require customer involvement include: a transaction path determination service, a message generation service and a message transmission service;
the service invocation module 03 is specifically configured to:
after the service calling processing needing customer participation is completed, the transaction path is called at regular time to determine the service;
after the transaction path determining service calling processing is completed, calling a message generating service at regular time to generate a cross-border transaction message;
and after the message generation service calling processing is finished, calling a message sending service at regular time and sending the cross-border transaction message.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the cross-border transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the cross-border transaction processing method.
In summary, the embodiment of the present invention provides: receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request; dividing a plurality of services into services requiring customer participation and services not requiring customer participation; the service needing customer participation is called, after the calling processing is completed, the identification information needing the service execution completion of the customer participation is sent to the customer, the waiting time of the customer is shortened, the service needing no customer participation is called regularly, the performance pressure of a high-traffic peak system can be relieved, the cross-border transaction processing efficiency is improved, and further the customer experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and variations of the embodiment of the present invention may occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A cross-border transaction processing method, comprising:
receiving a cross-border transaction request, and determining a plurality of services to be called according to the cross-border transaction request;
dividing the plurality of services into services requiring customer participation and services not requiring customer participation;
and calling the service needing the participation of the client, sending identification information for completing the execution of the service needing the participation of the client to the client after the calling processing is completed, and calling the service not needing the participation of the client at regular time to complete the cross-border transaction processing.
2. The method of claim 1, wherein the cross-border transaction request comprises: a cross-border remittance request;
calling a service needing customer participation, and after the calling process is completed, sending identification information of the service needing customer participation completion to the customer, wherein the identification information comprises:
calling foreground service to carry out client identity authentication;
after the identity of the client passes the verification, determining the deduction amount according to the transaction amount in the cross-border transaction request;
sending deduction amount confirmation information to the client, and deducting money from the transaction initiating account after receiving a confirmation instruction of the client;
and after the deduction is completed, sending deduction completion information to the client.
3. The method of claim 2, wherein determining a debit amount based on the transaction amount in the cross-border transaction request comprises:
determining exchange rate parameters of the transaction according to the transaction initiation place and the transaction receiving place in the cross-border transaction request;
and determining the deduction amount according to the transaction amount in the cross-border transaction request and the exchange rate parameter.
4. The method of claim 1, wherein the services that do not require customer involvement comprise: a transaction path determination service, a message generation service and a message transmission service;
the service which does not need customer participation is called regularly to complete cross-border transaction processing, and the cross-border transaction processing comprises the following steps:
after the service calling processing needing customer participation is completed, the transaction path is called at regular time to determine the service;
after the transaction path determining service calling processing is completed, calling a message generating service at regular time to generate a cross-border transaction message;
and after the message generation service calling processing is finished, calling a message sending service at regular time and sending the cross-border transaction message.
5. A cross-border transaction processing device, comprising:
the service determining module is used for receiving the cross-border transaction request and determining a plurality of services to be called according to the cross-border transaction request;
the service classification module is used for dividing the plurality of services into services which need customer participation and services which do not need customer participation;
and the service calling module is used for calling the service needing the participation of the client, sending the identification information of the completion of the execution of the service needing the participation of the client to the client after the calling processing is completed, calling the service not needing the participation of the client at regular time and completing the cross-border transaction processing.
6. The apparatus of claim 5, wherein the cross-border transaction request comprises: a cross-border remittance request;
the service calling module is specifically configured to:
calling foreground service to carry out client identity authentication;
after the identity of the client passes the verification, determining the deduction amount according to the transaction amount in the cross-border transaction request;
sending deduction amount confirmation information to the client, and deducting money from the transaction initiating account after receiving a confirmation instruction of the client;
and after the deduction is completed, sending deduction completion information to the client.
7. The apparatus of claim 6, wherein determining a debit amount based on the transaction amount in the cross-border transaction request comprises:
determining exchange rate parameters of the transaction according to the transaction initiation place and the transaction receiving place in the cross-border transaction request;
and determining the deduction amount according to the transaction amount in the cross-border transaction request and the exchange rate parameter.
8. The apparatus of claim 5, wherein the service that does not require customer involvement comprises: a transaction path determination service, a message generation service and a message transmission service;
the service calling module is specifically configured to:
after the service calling processing needing customer participation is completed, the transaction path is called at regular time to determine the service;
after the transaction path determining service calling processing is completed, calling a message generating service at regular time to generate a cross-border transaction message;
and after the message generation service calling processing is finished, calling a message sending service at regular time and sending the cross-border transaction message.
9. 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.
10. 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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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113205407A (en) * | 2021-05-28 | 2021-08-03 | 中国工商银行股份有限公司 | Distributed sub-transaction processing method and device |
| CN113705484A (en) * | 2021-08-31 | 2021-11-26 | 中国工商银行股份有限公司 | Remittance instruction checking and additional recording method and device |
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| CN101694711A (en) * | 2009-10-21 | 2010-04-14 | 中国工商银行股份有限公司 | Capital receipt and payment system and method thereof |
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| CN113205407A (en) * | 2021-05-28 | 2021-08-03 | 中国工商银行股份有限公司 | Distributed sub-transaction processing method and device |
| CN113705484A (en) * | 2021-08-31 | 2021-11-26 | 中国工商银行股份有限公司 | Remittance instruction checking and additional recording method and device |
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